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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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mums swift loan - paid £36k for a 2005 £10k loan - they still want £36k more!!


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Hi hoping someone can help.

 

Just recently found out my mum borrowed £10k in 2005 she has paid to date £36k and still owes £36k.

They increased loan on two occasions to cover arrears.

 

We made final offer of £20k to them but they refused countered at £34k.

 

In my letter I made reference to her mental health not being fit to sign for loan and also they must have know not able to afford.

 

They have passed to complaints.

Unfortunately during this time my mum diagnosed cancer and has only weeks to live.

I desperately wanted to sort before she dies but unless I can find £34k not going to happen.

 

When my mum dies will the freeze loan until house sells??

I've asked for the actuarial statement.

 

How do I claim charges back can I do this even after she dies???

 

I'm heartbroken about all this can't believe this company is allowed to get away with what they do.

Any help greatly appreciated.

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one thing you need to say is what company it is also you should send a sar's (Statuary access request ' that will give you all the info they hold dont forget to include £10 for it . also you did not say what kind of loan is this

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Name names please.

 

What company is this?

 

A SAR (Subject access request) will get all of the info needed to reclaim any fees/charges etc.

 

However, this isn't a priority ATM, your Mum is!

 

Unless this is a secured loan? Then this can and will wait.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry it's with Swift Advances and it is a secured loan.

 

 

I will ask for SAR.

 

 

My main concern is mounting charges even after she passes.

 

 

I know it's morbid but it's stressful enough without worrying when my dad died mortgage company just froze account until house sold. Worried Swift won't do same

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Well here's the 'Lending Code' which they have signed up to, this is the current one, so will have changed since 2005.

 

Were they aware of your mums mental health issues at all?

 

Telling them now of financial hardship and your mums current diagnosis (in writing) will/should put a stop to any of their extortionate charges being levied on the account.

 

I'm intrigued to find out just how a 10k loan from 2005, has shot up to over 60k!!

 

Get your local MP involved too.

 

Once you have sent them the SAR (£10) they have 40 days in which to send you everything they have regarding this account/agreement, but you may have to get your mums permission to deal with her finances on her behalf for them tosend you the documents.

 

Once you have received the SAR, then you can trawl through it all and tot up their fees/charges and go about claiming them back under the hardship rules.

 

Does your mum have much equity?

As cold & heartless as it is, but when she passes, would her estate cover her debt?

 

Such a cruel world. :sad:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks we have POA so dealing with them direct now.

 

I've not told them mums diagnosis as thought they would sit and wait for money by the time mortgage and them are paid will be nothing left

we don't want or need any money but it pains me they will have got a total of £72k on an original £10k loan.

 

 

How long does it take to claim charges back?

 

 

Is there sample letter I can write to them.

 

 

Thanks

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you need all the statements ...

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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Send them a SAR, they have 40 days in which to send you everything they hold.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

For 72k to be owing on a 10k debt, there is definitely something very very wrong!

I know they have no morals, but seriously!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They add an amount at the beginning of the loan on top of the original amount borrowed. The agreement is a sheep in wolfs clothing. On £10k it's poss they added £20k from day one so you're paying £30k plus interest accruing on the debt.They don't tell you this type of loan is not suitable for short term borrowing, meaning the redemption figure is calculated using the whole term quoted on the agreement say in this case 10 or 15 years.

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36k paid so far on a 10k loan??

 

Gawd blimey!!

 

That's absolutely ridiculous...

 

I do feel for your mum & yourself & I do hope you get this sorted out asap, so that you both have peace of mind & can enjoy the time you have left together without all this stress...

 

Good luck indeed!

I don't suffer from insanity, I enjoy every single minute of it!!

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use the cisheet here

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

put every charge in on its own row.

enter their int rate [apr] in cell d15

 

 

the sheet will work the interest charged on them out for you

no need to enter that figure

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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