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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!
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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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help, in a mess with WDA!


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Hi,

 

I have been a sporadic user of payday lenders, primarily WDA for about 6 years now.

 

Anyway, my latest borrowing was £750... a repayment of £937.50.

 

Now I won't trouble you with the usual sob stories, I accept ultimately this is my own fault but...

 

This level of repayment is too much for me, indeed it is >50% of my income.

 

In the first instance, I have contacted my bank.

They said "unusually", in their words, it is a Direct Debit set up, not a CPA, so I can (and have) cancelled it by myself...I simply can't afford to have that amount of money to come off in a given month.

 

Where I need help...what should I do next?

I intended to write to WDA, inform them I have cancelled, advise of change of circumstances (with budget sheet) and offer some sort of repayment plan?

 

Does this sound right?

Can I insist they do not attempt to use a CPA, add further interest, etc.?

 

Also, what is the lowest £ value or % of my available funds would they likely accept as a minimum?

 

I'm not looking to blame the Lender but my living costs have spiked due to higher work related expenses and childcare recently so I would really like to stop the rot.

 

Many thanks for your help! :oops:

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Get all transactions cancelled to them. They do and will use cpa if they have your card details.

 

You then need to work out how much you actually owe without all their bogus charges then work out a simple budget summary.

 

You can then offer them a repayment plan in writing and send the summary to prove your circumstances. They will likely decline but we can cross That bridge when we get to it.

 

The main thing is to secure your bank 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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Thanks renegadeimp,

 

How can I secure my bank account against a CPA if they haven't previously used one, or can I only shut the stable door after the horse has bolted?

 

I don't mind paying them the loan capital plus the interest I agreed to over a period of time but I certainly don't want to indulge 'fees'.

You mentioned a repayment plan being declined, is this their typical first response to angle for the full amount as a single payment?

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You secure it by writing a latter of instruction to them that states you want ALL transactions to them or their named merchants cancelled and any future transactions declined. Should they not follow your instructions you will seek legal advice as well as regulatory advice. Be aware that many banks completely ignore the law and say they will put a note on the account.

 

You dont want that. You want full written confirmation, signed and dated that states that no future transactions to that company or their merchant will happen.

 

With Repayment plans, PDL's are very reluctant to agree to one, and even when they do, they try and charge a bunch of unlawful/unenforceable charges to make even more profit off you. You need to be firm, stand your ground and leave them in no doubt that if they do not agree that you will take it further. Never take the soft approach with PDL's, to them, you are just a number, You need to play hardball with them. Every. Single. Time.

  • Confused 1

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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They cannot refuse any payment towards an outstanding debt. So if they refuse to give their bank details and a reference number, youll have to use a postal order and deduct the cost of said postal order and stationary used to send it, from the total debt owed :)

 

But before we worry about that. Send the offer of repayment and the summary once you have secured your bank account. We can then see what their reply is.

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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Got a text... "contact collections department...to avoid further action being taken". Not sure if I have a matching letter (away from home), instinct would tell me to avoid phone contact and keep everything written, would that be correct? They have obviously received my letter and I'm guessing are looking to bully me into some type of agreement/unfavourable repayment plan?

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Correct

No phone, no texts :)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Only deal with things in written format through your letterbox, unless you specifically gave them an email to contact you on.

 

Repayment plans are easily sorted, and if they refuse, then you can force them to accept payment. If they tried to take legal action, it could be seen as vexatious.

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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So WDA have received my letter by now. No written response, just two missed calls ("sorry we missed you"). Also today a text saying "daily default" interest is being added to my account. I assume this isn't legitimate? Any suggestions on a next step... Should I write again and reiterate my intent to pay/proposed plan and insist account is frozen, or just wait until I'm in a position to make the first payment and contact them then? Cheers

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If they keep adding interest despite your complaint, then we can take it further.

 

Was your complaint headed as such? if so, they have 56 days to resolve the complaint or you can take further action. Be it regulatory or legal. In my opinion, even though i wish all PDL's would be shut down, you should give them ample time to resolve the complaint and also ensure you follow the regulations/law yourself. Let them make the slip up.

 

Dont make further contact with them yet if the above applies to you. Just make a log of all calls/emails/texts to you to back up your case.

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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If they keep adding interest despite your complaint, then we can take it further.

 

Was your complaint headed as such? if so, they have 56 days to resolve the complaint or you can take further action. Be it regulatory or legal. In my opinion, even though i wish all PDL's would be shut down, you should give them ample time to resolve the complaint and also ensure you follow the regulations/law yourself. Let them make the slip up.

 

Dont make further contact with them yet if the above applies to you. Just make a log of all calls/emails/texts to you to back up your case.

It wasn't a complaint I sent, just notice I was in financial difficulties and a proposed payment plan.

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If they ignore you, then make sure you get a formal complaint in. YOU are in charge of repayments if you are in difficulty. NOT them.

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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If you have details of the DD odds are you can get the account details

 

To be fair to WDA they easily accepted a payment plan from me and did not add any extra interest. Now maybe I am the only one who had no problems at that point I don't know. It was later when I wasn't working that I had problems.

 

So you have written to them and proposed a repayment plan and asked for their account details and ref No?

 

Maybe, just maybe , if they do catch you on the phone it is worth just saying " I have written to you and am awaiting a reply , I am not prepared to discuss this on the phone"

 

I would send a follow up email , with your proposals. I assume they have been emailing you ...make sure you use the same email address

 

One thing to add, after I had cancelled my DD they continued to re set it up until I told them in writing not to

Any opinion I give is from personal experience .

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  • 3 weeks later...

Hi, just back looking for some more help. I have continued to receive emails and phone calls from WDA but no acknowledgement yet regarding my proposal re. a repayment plan. Can I attempt to force a repayment plan on them by making an s/o payments using their standardised details on this site (or any someone can provide)? I don't know whether I should formally complain re. their unresponsiveness pre- or post- payment. Thanks. I want to start making payments but i'm not entertaining the 'daily interest' they claim to be adding while all the while ignoring my clear letter.

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Yep to all. Ignore the silly daily interest.

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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Jamezon,

 

Sorry your getting grief from this company.

 

You've made a reasonable attempt to mediate, they've refused it. This is their problem not yours. rene suggested on 2nd June you put a formal complaint in? Have you? You must report this shower, the FCA have been sniffing around PDL's and Wage Day Advance are already under scrutiny for -

 

• communications with customers including telephone calls, SMS, online, written and any other form of interaction with customers,

• the collection of payments including the use of continuous payment authorities,

• the application of fees and charges,

• the management of accounts in arrears, including the provision of appropriate forebearance to customers in financial difficulties, and

• complaints handling

 

http://www.fca.org.uk/your-fca/documents/requirement-notices/wageday-advance-limited-vreq

 

Don't be bullied, start fighting back.

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  • 1 month later...

Just an update...issued a formal complaint to their complaints address last week. They attempted to contact by phone regarding my 'correspondence'. I disregarded this as I'd specifically said "writing only" on my complain letter. Have promised to pay as per my offer on payday if I don't hear from them positively by then and ultimately complain to FOS if no response within 8 weeks.

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  • 2 weeks later...
Just an update...issued a formal complaint to their complaints address last week. They attempted to contact by phone regarding my 'correspondence'. I disregarded this as I'd specifically said "writing only" on my complain letter. Have promised to pay as per my offer on payday if I don't hear from them positively by then and ultimately complain to FOS if no response within 8 weeks.

A further mini-update...following me disregarding their telephone calls, they shortly afterwards sent a standard complaint holding letter (investigating, will issue full response, etc.). Have made a first payment directly to their bank today as laid out in my complaint.

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  • 4 weeks later...

Hi, back for some more help!

 

 

WDA have responded to my complaint saying they have partially upheld my complaint-

1) Yes, they will accept my payment offer, for 6 months, then to be reviewed and they require bank statements meantime

2) They are demanding proof of postage to justify not applying further interest

 

 

My thoughts...

1) It is not appropriate for them to request financial documents to establish I&E as is not a secured debt

2) Their claim is I sent the original letter to their 'old' address. This is patent nonsense as it was signed for and was their current address at the time.

I find this element completely unreasonable, even if I had sent this standard mail, surely that intent would be plenty for the Ombudsman?

How on earth can I predict companies' future addresses? ;) I may/may not have the tracking number but either way, this will only show a squiggle and will be of no 'proof' other than someone signed it.

 

 

Any advice on the key issues above please?

In reality if I were to do a full I&E, I think I could justify offering even less!

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  • 2 months later...

Hissing snakes! Having 'partially upheld' my complaint and accepting my payment plan (at frozen interest), wageday advance in their wisdom have sent through a default notice. Surely that isn't cricket if there's an agreement in place?

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