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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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Payments made into a previous employer's company scheme


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Apologies in advance if this is a dumb question.

 

 

I worked for a company from approximately May/June 1990 to around March 1992,

during which time I had contributions into their pension scheme deducted from my pay.

 

 

I've just reached 65 and am now receiving my state pension and idly wondered what happened to those contributions, whether it would be possible to get those back, or if I could now legitimately claim a pension (however tiny) from that company?

 

Or is it the case that I've effectively kissed that money goodbye?

 

Any assistance or pointers in the right direction would be gratefully received.

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Hello there.

 

Are the company still in business? Have they been sending you annual statements of your pension entitlement or have you moved and not remembered to tell them?

 

There's also the pension tracing service if you can't find the company.

 

HB

Illegitimi non carborundum

 

 

 

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Hi - thanks for the response.

They're still in business (although the company name changed a few years ago)

but I've never had annual statements from them

– I was made redundant with others who worked on a trade magazine & haven't had any contact with them since.

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The pension still exists,

they just have forgotten about you so you will need to remind them.

 

 

Write to the pension scheme trustees or administrator if you have an address or write to the old company.

If they do not respond in a timely manner them ask the Pensions advisory Scheme to contact them on your behalf.

The PAS do this all the time and have details of many closd schemes ect so will know who to poke.

 

What you will get will depend on the terms of the scheme at the time you were made redundant.

Some schemes had to top up the pensions of people made redundant as part of the golden bullet

but that would only apply if you were of a certain age when getting the boot and for very few schemes.

 

 

Most schemes would freeze your benefits or increase them by a small annual amount and you will now be entitield to the pension accrued from those benefits (final salary scheme)

 

 

If it was a money purchase scheme you now have a pot of money you can either commute to a pension or cash in.

The pot will not be much bigger than what you paid in but it is still yours so dont be embarrassed to demand it.

 

 

Dont accept the first annuity/pension quote and get a copy of the scheme rules if you can to make your decision making easier as you only get one bite of the cherry

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Hello again.

 

I don't disagree with EB, but it's worth a phone call on Monday to see if they have a pensions manager. That way you might have news sooner, or a tip on who to ring or write to. [My OH is a pensions manager.]

 

If not, the DWP have a pensions tracing service.

 

HB

Illegitimi non carborundum

 

 

 

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If it was a money purchase scheme you now have a pot of money you can either commute to a pension or cash in. The pot will not be much bigger than what you paid in but it is still yours so dont be embarrassed to demand it.

 

A cautionary tale about a small pension pot: http://www.thisismoney.co.uk/money/pensions/article-3799069/Travesty-vanishing-pension-Paul-s-worth-1-300-90s-year-told-s-left-owes-37-32.html

 

One would hope that over the last 25 years, your small pension pot would have grown by a reasonable amount and is now worth cashing in.

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There is a division within the DWP that is able to trace any pensions that you may have forgotten about. I am also fairly sure but not positive that it is also the duty of the trustees of the pension fund to notify the DWP of this pension. If a small pension probably worth taking it as a lump sum and then claiming back any tax paid.

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yes, but they bottled out an dpaid him with a small profit once their scheming and churning became public knowledge.

A cautionary tale about a small pension pot: http://www.thisismoney.co.uk/money/pensions/article-3799069/Travesty-vanishing-pension-Paul-s-worth-1-300-90s-year-told-s-left-owes-37-32.html

 

One would hope that over the last 25 years, your small pension pot would have grown by a reasonable amount and is now worth cashing in.

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yes, but they bottled out an dpaid him with a small profit once their scheming and churning became public knowledge.

 

However it does make you wonder how many other people have been caught out and never knew about being able to claim anyway. May be in the thousands?

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  • 1 month later...

an awful lot, there was another case in today's Money Mail. The general scheme of things tends to be outrageous managemtn and other fees that breach unfair contracts legislation and also amount to unlawful penalty charges. I think the answer is to be both persistent andpersuasive-let them know that you intend to publicise their behaviour as that seems to have more effect than just telling them they are breaking the law.

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