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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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Problems with KJK Investments/G Loans SIPP


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I am having this problem with KJK Investments/G Loans.

 

My situation is very similar.

I have been trying, so far without success, to appeal a hefty tax penalty over a pension-backed loan I took out (perhaps naively but in good faith).

 

With these companies now in liquidation and virtually no hope of recovering the rest of my pension, I could face bankruptcy.

 

Would be very keen to get in touch with others who have been victims of this firm.

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Ok thanks, I haven't had any correspondence regarding the appeal as yet, I did however have a good talk to FCA, and they say we might have a case against the sip provider Guardian Pension Consultants for lack of due diligence.

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ok they did use other sip suppliers. You would of had to get a sip then you would of told them that you wanted the pension invested in KKJ Investments.

 

Have you had any correspondence from Aaron & Partners Solicitors regarding the liquidation of KJK and G-loans.

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They first wrote to me in 2012 and it's been an ongoing battle since then. At the moment I'm making a final attempt to appeal the whacking great tax penalty they imposed (which I have no way of paying). Have you been in contact with any other victims of these two firms?

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Yes I know 2 more, Have a read of this.

Extra-statutory concession A19 (ESC A19)

HOME»FINANCE»PERSONAL FINANCE»CONSUMER TIPS»TAX

 

Why won't HMRC pay up for tax blunders?

After The Telegraph secures a £10,000 rebate for a reader, questions remain over why taxpayers face such a struggle for justice

HM Revenue and Customs tax Return form and coins

The tax office drags its feet even when it's in the wrong Photo: Alamy

Dan Hyde By Dan Hyde7:03AM GMT 22 Feb 2014 Comments139 Comments

A 64-year-old pensioner who faced a shock £10,000 tax bill because of blunders made by HM Revenue & Customs has won a belated refund following the intervention of The Telegraph.

http://www.telegraph.co.uk/finance/personalfinance/tax/10654501/Why-wont-HMRC-pay-up-for-tax-blunders.html

 

Its the special tax rule called extra-statutory concession A19”that I want you to look at how long after the loan and they contacted you.

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Sorry honeybee. I cant find the artic I have taken it from, but it was to do with the telegraph, but have found this one.

 

 

http://www.theguardian.com/money/2010/sep/07/tax-error-letter-templates. And also this http://taxaid.org.uk/wp-content/uploads/2010/02/Standard-letters-for-you-to-use-2012-2013.pdf.

Its a bit old but the letters and rules are the same now.

 

OK found it now

 

 

http://www.telegraph.co.uk/finance/personalfinance/tax/10654501/Why-wont-HMRC-pay-up-for-tax-blunders.html.

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O thank you, in my case I loan from G-Loans was take out in tax year 2009-2010, first contact made by tax was 2012, as far as I was concerned my tax was up-to-date and didn't know KJK and G-Loans were connected, I was only working P/T so I didn't even pay tax.

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Thanks - that's very helpful.

 

 

I'll have to do a bit more research as I don't know exactly how that would affect me.

 

 

My G Loan was taken out in July 2011 and HMRC contacted me in 2012

(I presume you also got the letters from G Loans at around that time, including a barrister's opinion saying the loan was perfectly OK?)

 

 

However, it was only a couple of months ago that HMRC told me the amount of tax I have to pay as a result of the loan.

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  • 4 weeks later...

am also in the same situation and facing bankruptcy.

 

The situation is incredulous as Guardian are now chasing me for annual SIPP fees which I cant pay and they are threatening legal action, they will not accept any responsibility for the situation

 

will be interested to hear more about the process of reporting them to the FCA for not completing due diligence.

 

have correspondence and copies of accounts which were monthly management accounts which I requested from KJK as I was getting nervous about their financial situation for the 6 months before they were wound up.

 

They are clearly completely fabricated and may help in any case against them.

 

you may also be surprised to learn that Greg Garratt from G loans has set up another Financial Services company,

 

s much for regulations!

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I also had a letter from them for fees,

I asked them for a break down of the fees,

 

I asked for a copy of the agreement which said I had to pay these fees,

I haven't had a reply,

 

I also stated that their lack of due diligence had a part to play.

 

How much tax are you having to pay mine is about £19k

 

Donmac4 have you been or are you on going with an appeal.

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I may ask the for the same information.

I know Guardian are being investigated at the moment by the FCA

I am sure they will be keen to hear that they are chasing fees.

 

My bill is about £34k

I was also told that there would be no tax liability,

there is no way I can pay as the loan was used to pay off debts so bankruptcy is the only option.

 

I am going to approach a firm of solicitors to see how we may be able to take further action

I will let you know how I get on.

 

Also considering going to the press in view of the fact that the directors of the companies seem to be living it up on our cash

 

A f

I also had a letter from them for fees, I asked them for a break down of the fees, and I asked for a copy of the agreement which said I had to pay these fees, I haven't had a reply, I also stated that there lack of due diligence had a part to play. How much tax are you having to pay mine is about £19,000.
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