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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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Cabot chasing old RBS credit card 'debt'


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I need help again guys

 

I received a letter from a DCA advising they have bought an old credit card debt.

I received a Termination notice from the original creditor in December 09

and the account was disputed in 2010 after a CCA request.

 

On receipt of the agreement,

I was advised on here that it was unenforceable.

I stopped making payments over 5 years ago

but not quite 6 ( via a debt management company).

The dispute was never resolved and they eventually stopped harassing me.

 

Could you please advise what I should do now?

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Nothing at the moment.

 

 

Keep letters and see how this develops.

 

 

If they start threatening any court claim,

you could send a CCA request,

as this new company might not have a copy and it might take time to get hold of.

We could do with some help from you.

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Not vital but something worth spending £10 on.

 

You could do a full subject access request to the ORIGINAL creditor to see what you can dig up. EG PPI, unlawful credit card charges etc.

Apart from opening up possibilities for reclaims, you would also have paperwork that may give you options to add to your defence should the current owner issue court papers.

 

Knowledge is power, so make sure you have more than the current debt owner :D

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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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Can the new owner also send an SAR request and acquire the same information and shouldn't all the relevant information be on the account they have bought?

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When debt buyers purchase debts they normally do so in bulk and they normally only get details like name address account number and balance etc.

 

They can request copies of documentation regarding the account. BUT not to the same level as you can regarding a Subject Access Request. (SAR)

 

A SAR is governed by legislation in the Data Protection Act that allows "You" as the "Data Subject" access to all personal information regarding yourself. Heres the thing, the debt buyer cannot request that level of detail. A Debt purchaser cannot do a subject access request.

 

Many claims fail as the DCs cannot get the correct paperwork.

 

One such example of this being helpful is should it go to court and they produce a "reconstructed Credit card agreement" using information they "think" is correct, you may have information provided by the Subject Access Request that proves some of the info provided in the recon is not accurate and therefore unenforceable.

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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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they will only send you what info they hold on you and that is diddly squat. Dont communicate with them in any form as I doubt they have bought the debt otherwise you would have had a proper letter of assignment and you would be told exactly what the debt is and signed off by the company selling it to this dca rather than from the dca

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I don't want to mention company names at this stage as I know DCA trolls search these threads for information relating to themselves.

 

I think they may have purchased it because their correspondence outlined the debt and value, they also enclosed a letter from the original creditor advising me that they had sold the debt to them, but not an official letter of assignment.

 

The letter from the OC was unreferenced with no account number.

But maybe you are right, they may be having another pop at it before it expires.

 

They have asked me to ring them and they will help me with repayments,

which I have no intention of doing.

 

I've gone through my bank statements and my last payment to the debt management company was April 2011, so sadly I may not have enough time to stall them.

 

Do you think the OC will have an accurate record of when my payments stopped.

 

The Default fell off my credit file a few months ago.

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please stop hiding important details

name the original creditor

the DCA

and the debt management company please.

 

 

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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Ok sorry, just trying to protect myself.

 

OC RBS, DCA Cabot

 

DMC no longer in business went by the name of Astute Finance Ltd.

 

I guess a lot of you will know Cabot's MO and I truly appreciate all your replies.

 

Will send SAR on Monday.

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great thankyou.

if they pester again.

 

 

CCA request time.

what was your old username

you say you've been here before?

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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Yes, pretty sure user name the same, but possibly around or prior to 2009? Perhaps you can check from my profile details? I tried to revisit my past threads but none came up. Promise I'm above board.

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didn't say you were not above board

cant find old posts mind

but you registered may 2015

must of just read like posts?

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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Another question please:- I also had another RBS credit card that is currently dormant, which expires in January 2017. When I submit an SAR for the resurrected account, will it flag that one up too?

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Couple of questions for you:

 

When did you open this account?

Is it showing on any of the CRA files?

 

Noddle and clearscore are free web based sites for access to your CRA files and will show account start date if they are still within 6 yrs of last payment

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I woudd suggest as with this card

the others been sold too

so no it wont hurt to sar

 

 

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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Hi Martin

 

The account was opened in February 2002.

 

RBS terminated the account in September 2009 and I've disputed it ever since due to unenforceable agreement.

 

It no longer shows on CRA, it dropped off earlier this year.

 

However think I was still paying reduced payments whilst in dispute until April 2011.

 

Many Thanks

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You definately need to sar rbs to get the full history on all the accounts you had

Arm yourself with as much info as you can now in case they try a claim before it becomes sb

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Can anyone enlighten me please what I'm up against regarding Cabot, i.e. their reputation, competence and roughly how long before they usually issue a claim.

 

Many thanks

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every debt buyer is about the same

its pot luck if they do anything

just remember

a DCA IS NOT A BAILIFF

and has

NO SUCH LEGAL POWERS

 

 

all they can do

is the same as you and I

issue a civil court claim.

 

 

and lose against CAG

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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Thanks dx, I'm doing my homework reading similar posts.

 

I have seen not admitting the debt or making payments for 6 years makes them SB.

 

This cc debt is within 9 months of being SB and I was trying to establish if I could realistically stall them until then.

 

I took this down the Unenforceable route with the original OC until they stopped chasing about 3/4 years ago,

 

could this be considered admitting the debt even though I was legally disputing it?

 

Sorry for being so naive

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no lets it run

they are only chasing because SB is prob close or already gone.

 

 

you don't need to send/do anything

 

 

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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