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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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Multiple Loan Nightmare


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Hi,

Just registered on the forums after reading some threads similar to my situation.

I currently have multiple payday loans due to mainly stupidity on my part, as a 19 year old i admit the temptation of easy credit fooled me into this mess and I have been given a real wake up call and kick up the backside. Now i just want out of this mess by the quickest and cheapest way possible. I'm not looking for sympathy or to be told i am a stupid wee boy, i just want it paid off and finished with. I'll post up where i stand with all of the companies and if anyone could give advice as to what my next steps should be, or which companies to try to pay off first then this would be great.

 

Wonga- Agreed plan £16 per week, will be paid off by christmas, they have been great to deal with to be fair.

Quickquid- Owe £531, emailed them regarding setting up a plan but have had no response as yet.

Minicredit- Owe £168

Txtloan- Owe £234

Payday Express- Owe £207

PaydayUK- Owe £119

Speed-e-loans- Owe £190

Speedydosh- Owe £149

 

Any advice on who is likely to accept plans and who i am as well trying to pay off first?

 

Thanks in advance.

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UPDATE:

 

Agreed plans with Wonga (16 per week), Speedydosh (10 per week), Txtloan (50 a month)....

 

Quickquid are willing to agree to a plan, but only over four months at a rate i dont think i can afford, Payday UK emailed back saying that I had to default before I could set up a plan which i think is ridiculous and obviously just a way to hit me with all the charges. MiniCredit, Payday Express and Speed-e-loans still havent got back to me. As the loan amounts for the latter 3 arent as large as some of the others do you think i should just try to pay them off ASAP and just get by for a few weeks or will these people eventually give in?

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Did you get those agreements in writing along with specific amounts to be debited on certain dates? If not, then the agreements are worth nothing as the PDL's will take whatever they like, whenever they like and simply say you authorised it.

 

If you want to pay them off ASAP and suffer for a few weeks, then i have to ask the question, why did you come and post on here?

 

The basics of dealing with any debt is work out your finances and work out a budget. Only offer ANY creditor what you can realistically afford without putting yourself into hardship each week/month. For example, you could start repayments that leave you with no money for yourself. What would you do if an emergency happened such as something in your house breaking? Your car breaking down? A family emergency etc?

 

You need to take all that into account.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have the agreed arrangements in writing on emails and my accounts on their websites have been updated accordingly with how much they will take on which date. My wonga plan has been up and running for 3 payments and everything has went fine so far.

 

I think ill just keep emailing the ones who are ignoring me until i get some sort of response, could anyone with prior knowledge of how the companies in question operate tell me if i have a realistic chance of striking a deal? From what i have read on here Minicredit seem a nightmare to deal with but ive not seen so much about Speed-e or Payday express and im surprised that Payday UK are rejecting my first offer.

 

Thanks for the help :)

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They are obliged by regulation to agree a repayment plan with you. However, because nobody is reporting them to the regulatory body, they now have the attitude of they can say and do whatever they like without repercussion.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes, they certainly give off that impression anyway, well the majority of them anyway. I have to admit i've been pleasantly surprised by how wonga have treated me, they get a lot of bad press but have been the most supportive and speedydosh replied within three minutes with standing order details. It just seems like there is a few companies who dont want to be fair.

 

Renegadeimp- Is it worthwhile to let my payday uk loan go into default in order to get the plan up and running? Or should they accept before i default? It's really annoying that on their sites they say if you run into problems that you should contact them right away yet when you do they just tell you to default, this is the email they sent me minus the personal details.

 

 

Dear ********,

 

Many thanks for your email.

 

We will need to try for payment as per your Loan Agreement terms and conditions on **/**/2012. If this payment fails then a member of our Repayment Team will contact you.

 

Payment is taken from the Debit Card provided and not by Direct Debit. Please check with your card issuer regarding any authorisation charges.

 

As we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

If you have any further queries please do not hesitate to contact us on 0871 271 6111^ (Call charges apply – 10p per minute from BT landlines, mobiles and other providers may vary). Our office is open 9am - 8.30pm Monday to Friday and 10am - 4pm on Saturday.

 

Kind Regards,

 

*******

 

Customer Services

 

PaydayUK (T3L),

PO Box 255,

Bicester,

Oxfordshire,OX26 4ZY

Telephone : 0871 271 6111^

Fax: 0845 127 4365

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You can let them default if you like. Just be aware that a lot of PDL's will try and throw on charges for it. But almost all the penalty charges are not legally enforceable anyway.

 

They say that they need to try for repayment anyway, that is completely false. You need to write or email them and revoke any and all permission for them to touch your account. Then contact the bank and tell them not to authorise any transactions related to the PDL.

 

Also :

 

As we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

PDL loans are short term, unregulated loans. They cannot increase your credit rating. However they can have a very negative impact. PDL's do not share info on a monthly basis. Especially for a PAYDAY LOAN. Which by definition is 7-31 days long. They can only put on a negative marker saying you have defaulted on the entire payment or a CCJ marker if they are successful in court.

 

Get that letter in a complaint to the OFT.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have two seperate accounts already, and ive got my employer to send my wages into the one that isnt linked to any PDL's, i just planned on moving money in when it was due so they could only get what was available, for example my first txtloan payment is tomorrow so ill move the exact amount into that account before i go to sleep tonight just incase they decide to try for more.

 

Ill get that letter to the OFT wrote up tonight :)

 

In regards to payday uk, i'm definitely going to take the fight to them and make it clear that they are not authorised to touch my account and see what kind of response i get then, thanks for all the help tonight renegadeimp, hopefully i'll have some good news tomorrow :)

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You are very welcome. Just remember that it takes a lot of patience and persistance to get them to listen.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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UPDATE

 

Now agreed a £10 per week payment plan with Payday UK and am in negotiations with Payday Express for the same, Minicredit and Speed-e-loans seem to be refusing to even reply though but i will be sure to keep plugging away at them.

 

I think the trick with payday uk is to just keep emailing them your plan, even when they email you back offering to defer payment for a month or to pay half, just be very persistent and eventually they will give in. I basically told them either they accepted what i was offering and they would get everything i owed or they risked getting nothing because there is no way i was going to be paying the default charges that they hit you with after the loan due date.

 

So anyway, i now have plans set with: Quickquid, Wonga, Speedydosh, Txtloan and Payday UK. Feel so much better being in control of whats coming out of my accounts on which days :)

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Congrats :) Just make sure you get reciepts or copies of statement of account after each payment, and you keep up to date with them. Just in case they try anything.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I just emailed their collections ([email protected]) and they told me to talk to a live chat agent which i did and set up a four month plan, i then emailed collections again and asked them to send me a confirmation email of the plan with dates/ payments just in case they tried a fly one, i also saved the live chat log. They are only really willing to set up 4 month plans, which was affordable enough for me and all interest was frozen but i dont know what your situation is so dont know if this will be much use?

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Gooner

Speed-e-loans were ok, what email address did you use ?

Minicredit are total wind up merchants, masters of copy and paste.

 

I think it was techsupport@ one, do you have a better address? This would be appreciated as I've not heard anything back at all.

Thanks

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Speed-e-loans.com emails that ive found.

 

Administrative Contact:

Miller-Cheevers, Gary [email protected]

507

Centennial Park

Elstree, Herts WD6 3FG

GB

447590563377

 

Technical Contact:

Miller-Cheevers, Gary [email protected]

507

Centennial Park

Elstree, Herts WD6 3FG

GB

447590563377

 

 

Worth a shot i guess since he seems to be the boss.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

UPDATE

 

Ive managed to arrange a plan with Speed-e-loans as well at a tenner a week :D The GMC email address worked and he said 'his team would assist with the matter' and to be fair to him it was all set up by close of business the next day. My repayment plans are now as follows:

 

Wonga- £15 per week

Speedydosh- £10 per week

Speed-e-loans- £10 per week

Payday UK- £10 per week

Q.Q- £120 per month (only 3 to go)

Txtloan- £50 per month

 

Minicredit and Payday Express are still refusing to help me out though, if anyone knows how to crack them then that would be appreciated.

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The email probably worked because he didnt think anyone had the address :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Payday Express are an absolute nightmare to be honest. I am currently in a DMP which all of my other creditors are sticking to but Payday Express continue to call me at least 5 times a day and refuse to deal with the company arranging my DMP. I have also emailed them and written to them several times requesting that I do not wish to be contacted by phone and they still ignore me!

 

If you have any luck with them please let me know!!

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Send them the telephone harassment letter from the library on this site. If they continue to call, then report them to OFCOM.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...
Hi,

 

Wonga- Agreed plan £16 per week, will be paid off by christmas, they have been great to deal with to be fair.

Quickquid- Owe £531, emailed them regarding setting up a plan but have had no response as yet.

Minicredit- Owe £168

Txtloan- Owe £234

Payday Express- Owe £207

PaydayUK- Owe £119

Speed-e-loans- Owe £190

Speedydosh- Owe £149

 

Any advice on who is likely to accept plans and who i am as well trying to pay off first?

 

Thanks in advance.

 

UPDATE

 

Paydayuk, paydayexpress and Quickquid are all paid off.

 

Still on payment plans with Wonga, Speedy dosh, speed e loans txtloan and still trying to argue with minicredit, they just wont budge.

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