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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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Scottish widows ppi


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Ive just got my annual plan summary for my Life Insurancelink3.gif and noticed both me and my partner are paying PPIlink3.gif tho i dont remember asking for it or being offered it, as it only pays out after 26weeks hardly seems worth having. Can i reclaim this back and if so how do i go about it?

 

Many thanks

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Theres lots of info in our stickies in this forum.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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skittish widows will wriggle like hell

 

and you'll prob get the run around that it was the lloyds or C&G rep that did it and they are not responsible

 

they will quote that you agreed to it in your 'recommendatios' statement.

 

go get 'em

 

the mortgage reps i'm sure get a hidden commission for selling this

 

when i did mine earlier on it the year

 

i was bombarded with phonecalls from my mortgage asdvisor from her private phone

trying to convince me I DID ask for it.

 

i did NOT and it got sneaked through.

 

look at the 1st page wording on your per sum and our recs & app dets

 

then i bet its not mentioned there

 

but i bet you'll find it on pages 2/3 were it says:

its WAS discussed with you & is included

 

doesn't say ANYWHERE you WANTED IT

 

just you discussed it.

 

go get em

 

dx

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i don't like that link

 

its very circumspect leaving lots of well maybe's flying around.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I really dont remember asking for it or agreeing to it, ppi is something i never agree too as i dont beleive in it, it doesnt kick in for 26weeks so hardly seems worth waiting 6months for them to pay just over £20 a month. This is the problem, the women i spoke to about remortgageing works for lloyds but my mortgage is with c and g and the insurance is with widows so as far as im concerned they are who is taking the money each month.

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How long have you had this policy ?

Scottish Widows were ordered to pay millions last year for irregularities,and other issues to customers spanning quite some years.

How was the policy taken out originally ?

The first thing you need to do is calculate how much you have already paid.

Then make a preliminary request in writing for it to be refunded.

What is it exactly that you are unsure of at this point ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The policy is about 2 yrs old now.

The policy was taken out when i remortgaged in 2009 and was offered life insurance

It works out at just over a £1 each month for both me and my partners policy

Just dont know where to start to claim it back, spent ages scanning thru posts, is there a template letter to send do i need to find the terms and conditions?

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Ok understand.

Right,first of all you need to establish why you think it was missold or is not of any benefit.

PPI Insurance differs greatly from one policy to another,that is to say that there is no template letter as such for a one fits all use,the letter needs to be specific to what you believe was unfair/that the PPI was no use or benefit to you.

Yes it is a good idea to have the terms and conditions,although most are easily found on the internet.

Its also a very good idea to look around and see which terms and criteria that others have used to claim back PPI in the case of Scottish Widows-I am sure there is no shortage-I will see if I can point you to any CAG cases.

So the process is as follows;

 

1.Identify a case for refund.

2.Make a preliminary request in writing.

 

The focus on PPI and investigations/guidance from the regulators I think began to really start around 2008.

Many Financial Institutions dragged their feet,which led to the regulators ordering them to deal with claimants.

In many cases refunds were made relatively quickly and in some cases they were ordered to make refunds.

But I think as things went on-some policy wording was changed as they became aware of the claims implications.It was only in 2010 however,that the Industry finally agreed to make positive changes,faced with the threats friom the regulators and new guidance.

Some of the main points which have led to refunds include;

 

1.Applicant was not given alternative options which may have cost less or offered better packages.

 

2.Applicant was led to believe that without taking the PPI they would not get the loan/insurance

 

3.The benefits of the policy were unsuitable (Example-the policyholder was self employed)

 

I will see if can find some cases and post here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Here is an example of typical reasons to seek a refund.

This is a case which was referred to the FOS and upheld in the applicants favour.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/omb-decision-B.pdf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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