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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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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Desperate to help stepdaughter stop Swift Group repossessing home for charges of £50k on £10k loan.


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2007 stepdaughter and her husband took a secured loan (against house) for £10k.

 

They subsequently separated and daughter was left high and dry to pay mortgage, loan and bills etc.

 

Inevitably she fell into arrears but managed in 2014 to pay off all the arrears and has continued to pay monthly.

 

The loan term ends in April 2017 and she has now been told she must pay £32k in further interest and legal charges.

If she doesn't pay they will repossess.

 

This would bring the total cost of the loan to over £50k as she has already paid them in excess of £23k.

 

Ombudsman has investigated but says her claim against them is out of time according the paperwork she has seen from Swift.

 

I was thinking of writing to the company and asking them to extend the term and freeze the charges and perhaps to offer to pay a lump sum to reduce the cost

- but we can only afford a couple of thousand.

 

Would they be obliged to accept an offer to continue payment?

 

We fear the only alternative would be for her to sell the house but she has three children of 17, 13 & 12.

 

Would paying a debt solicitor for legal advice/intervention be likely to help in any way?

 

Finally although permanently separated she and her husband are still legally married but has not even contributed child maintenance.

 

Would it be reasonable to give Swift his contact details and ask them to serve proceedings on him also?

 

As you can tell

- we are in turmoil and need advice urgently on what steps we can take to prevent my stepdaughter and her children being made homeless.

Edited by fkofilee
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Welcome to CAG Stepmum!

 

Hold out for the team, unfortunately i'm not a whizz on a secured loan, but that seems extortionate!

Either way we will help where we can.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thats not a problem... No disrespect but Swift Bailiffs are hardly that...

Ive asked for more help from the team.

 

So how does the full amount breakdown right at this time. Who was the original lender?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I don't currently have all the paperwork to hand.

We are going to see stepdaughter in a few minutes as we need to go through it all again with her.

 

I was under the impression that Swift was the original lender but this may not be the case and I will check. Incidentally there was PPI on the loan.

I don't know if this is of any significance.

 

It is also fair to say that we only just discovered her difficulties

- when she got into arrears she buried her head in the sand (as many young people do) as the debts around her mounted.

 

However since 2014 she has kept up all payments on her bills etc. and thought she was on top of things until this demand for a further £32k arrived.

 

Please bear with us as we gather the information to hand. I will contact you later today. Thanks

Edited by fkofilee
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Thank you very much. More info you can get the better we can sort this.

Finally, take copies of all the paperwork she has. Could be useful.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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So nothing to do with swift bailiffs..

 

Swift group were a terrible lot

100's of threads on them here

 

90% of the debt will be arrears and all manner of penalty fees all can be reclaimed

And all the insurances too

 

If she's not got every statement and the agreement

Get an sar running

 

Also scan up go PDF the last series of letters

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 there, I think the first thing you need to do is ask for a breakdown of this £32k they say she owes, we can then get a better idea of how this has cone tio be.

 

You should send a letter by either recorded or special delivery so they have to sign for it - Swift are a slippery outfit so you need to be on your guard at each step. We will help you as much as we can. If you need help with a letter please let me know and I'll draft something for you to edit to suit.

 

The other thing you need to ask for is a Subject Access Request, this will give you everything they have in the file - the cost is £10 (best to send them a postal order), they have 40 days to respond so it's best to get it off to them asap - again, use a signed for delivery. If you need help with that, please let us know.

 

You should keep copies of everything you send to them (and receive) start a file and keep everything in date order. When you send anything by a signed for service, make sure you keep the receipt safe so you can print of the proof of delivery and keep with the letters.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I now have a photocopy of the original agreement and copy statements dating from May 2007 to December 2016. The totals read as follows:

 

Instalment Due Bounced Items Monies Received Arrears Arrears in Months

22,823.63 820.20 23,587.81 56.58 0.3

 

 

The loan amount is stated as £12,825 for 120 months. Current monthly instalment £195.63. (She has been consistently paying more than this since April 2013). What I do notice is that there have been periods where she has either left payment until after the due date or missed payment for 2-3 months. This will be because of the way she is paid (I believe it is a four week rota on her salary) or because she has had other bills to pay. I am assuming that this is where the interest charges have piled on.

 

 

A letter received from Swift dated 8 March 2017 states Arrears of £102.21.

 

"Further to our previous letters we are very concerned that we still do not have an agreement on your account to assist you with managing your arrears"

 

Key Information concerning your loan account:

Current monthly repayment: £195.63

Last Payment Received: £195.63

Last payment received: 23 February 2017

Current Interest Rate on Arrears: 1.230%

Additional Interest charged to date: £20,640.35

(This includes interest on arrears, all disbursements and added charges).

 

If you cannot clear these arrears immediately then you must contact us. If you do nothing then you risk losing your home. Furthermore, if you delay contacting us or making your payment then your account will continue to be subject to additional fees and interest: this will mean you have to pay more and it will make it harder for you to repay your loan within the agreed term.

 

 

If you call us we will try and help you through any financial difficulties you are experiencing. We will review your financial circumstances and agree a way forward that is both affordable and fair."

 

 

It goes on to offer a face to face visit for a cost of £110.

 

 

She has asked them to provide a final settlement figure. She also has recorded on her phone receipts for all her payments up to date. Later today she will email me every piece of correspondence she has from the company.

 

 

I'm not sure how £32K (the original cost they quoted she would owe at the end of the term) has reduced to £20,640.35.

 

 

What we need now is advice on what to say/what not to say to the company and what NOT to do!

 

 

Please let me know if you need further information and I hope all of the above makes sense.

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As said before - you need to see a breakdown of how they have arrived at the figure they are demanding to settle the account.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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too right

rathe than post up what they sent

scan it to PDF and upload their leters

follow the upload

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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  • 2 weeks later...

For what reason was the 10K secured loan obtained, at what APR?

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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