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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • 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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Debts in France, Living in the UK - What will happen to me?


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Hello, I will try to explain as clearly as possible my situation:

 

I am a UK Citizen and I lived in France for about 10 years.

I moved back to the UK last year to help my father who was sick but had some large loans in France with my French Bank Account and a Loan Company.

 

I tried to keep up with payments but slowly my salary was not enough in the UK to cover my daily living and pay my monthly payments. I started to dip into a Credit Reserve to keep up with payments which is now at its maximum and now I am into my overdraft. Overall we are now looking at about 32,000 €.

 

I cannot manage on my current salary to pay anything towards my French Debts.

My French Bank has sent a letter saying I need to refund my Overdraft and the situation is getting worse. I have no money to refund my overdraft and it keeps getting worse with the monthly payments that are coming out of my account.

 

I tried to find a company in France that would group my debts so I could reduce my monthly payments but this is impossible as I am no longer resident in France. In the UK it is impossible as I have only been back a year and my credit rating is low and I would never get a loan to cover even a quarter of the amount I owe.

 

I do not know what to do, as it is a debt in a foreign country I cannot seem to find any assistance or advice here in the UK.

 

What could I face with regards to debt recovery? Can the French Banks take any action whilst I am here living in the UK?

Please any information would be invaluable.

 

I am prepared to pay my debts but my current financial situation would only allow me to pay maybe 150€ - 200€ a month, not the current 800€ a month (all added together) plus there is my French overdraft which is now at about 3000€ and getting worse.

 

Thank you for your help.

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If you defaulted on these debts there are reciprocal agreements in place where it would be possible for an EU creditor to take enforcement action within other member States. However, because you are now resident in the UK and any French CCJ is absent they would have to take action in a UK court using French law. Given that the amount is so high it is probable that they may attempt to do so.

 

It really depends on your circumstances as to what advice can be given. Do you own property or have any assets?

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If your job is not dependent on you having a clean credit file you could consider bankruptcy which would clear these debts. There are other options too which if you contact http://www.nationaldebtline.co.uk/ they will be able to go through with you. It is a charity & does not charge for their help.

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Thank you once again.

I did contact the national debtline for some advice but they said as I had not yet defaulted on payments and that my debts are abroad and no action had yet been taken, they were limited on the advice that they could give me. They sent me information on budgeting etc but I just do not have the income to keep up with the payments that they require.

I really do not know what to do, I tried to speak with companies in France and also at first my bank but typically they reply that they cannot help as I am no longer a French Resident and I have to find a solution on my own. They are not clear with what the next steps will be for me if I do not keep up with the payments.

Do I just have to wait and see? Is it best to lie low, ignore any letters from my bank in France and wait until I am contacted by a debt recovery company in the UK?

I assume I cannot file for bankruptcy until there is action taken here in the UK, is this correct?

I would so much rather deal with this with an English Speaking Company, my French is good but not when it comes to this kind of talk.

I do appreciate the help, I feel so panicked at the moment with a million questions and its hard to find someone to actually sit and talk this through to find the best solution.

Thank you.

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I assume I cannot file for bankruptcy until there is action taken here in the UK, is this correct?

You can personally file for BR at anytime but it will cost around £700.

 

Some people chose to wait for there creditors to send a 'Statutory Demand' which is a precursor to them applying for your bankruptcy which would mean the creditor paying the fees. The problem with this is it can take several months [if ever] for them to do it + you will have debt collectors writing & telephoning all the time & even via your employer if they have those details.

 

If your creditors are aware you have no assets they will be likely to sell the debt on after a few months too.

 

As it stands now I personally would default on the payments, obviously you cannot afford them, and wait & see what they do. Even if you make reduced payments it will have little impact on the debt & they will increase in any case because of the interest & charges they will add on.

 

There is no need to panic, this is purely a civil matter & the bottom line is there isn't a great deal they can do other than harass you via the post and on the telephone. If they do ring refuse to speak to them & tell them you will only communicate in writing. If they do start to harass you there are plenty of things which can be done to stop them so do not feel intimidated by them. ;)

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Thank you, I need to take a deep breath, take this all in and think about this further in the morning instead of making myself ill with worry.

Your advice and reassurance is greatly appreciated :)

What a mess eh! :s

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I know it's easier said than done, but honestly do not worry about it. You are one of many tens of thousands of people in exactly the same position due to world's economic situation & personal problems. Debt is no longer the stigma it once was, in fact it's fast becoming the norm.

 

Long gone are the days of the debtors prisons & they cannot abduct your eldest born. ;)

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