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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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Blemain finance (now together money) charges help!


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I took out a Blemain finance loan back in 2005 for £16.913.00 , secured against my property (it was actually a refinancing of a previous loan with First National Home Finance) .

 

 

I sold my property in Jan 2012, both the mortgage and the Blemain loan were paid off.

The interest on the loan was 12.2%

 

The final redemption payment to Blemain was for £23,253.36 in Jan 2016 and this was paid in full.

 

I got the SAR from them

i have a break down off all the charges.

 

 

Through out the loan I did have money problems,

looking at the breakdown of my account there is quite a number of late payments.

 

There's just a few things I could do with help on:-

 

Over the period of the loan I've been charged for:

 

Letters = £30 - £35

Visit = £100

telephone charge = £30 - £35

Monthly charge - arrears = £33 - £46

Dishonoured Receipt = £30 - £35

Default Notice = £50

Buildings Insurance = £85 - £184

Buildings Insurance Block policy Charge = £16

legal costs = £282

application to suspend legal action = £13

settlement figure fee sent to 3rd Party= £30

Court preperation fee = £53

court hearing fee = £13

land registry copies =£4

online issue fee = £100

Issue warrant for possession = £18

collections instruction = £176.25

Legal fees to HMCS = £150

Post - Legal monthly Charge 2 = £130 - £215

 

I did get close to getting the house repossessed twice, which is why i had to sell it quickly and under the market value.

 

Some of the above were charged multiple of times, others just a few,

All in all the total charges come to £5,865.50

 

plus there was a Broker fee at the start for £1,500 (this is not included in the £5,865.50)

 

1) I can't remember who I approach to get the loan, It could have been Blemain directly.

£1500 seems an awful lot,

do I need to speak to Blemain about that as it seems excessive.

 

2) Which of the above charges can I try to claim back for?

bearing in mind they did attempt to take me to court a few times fir monies owed,

this was during the time I was trying to sell my house as i couldn't afford to live.

 

3) I have downloaded the CIsheet (compoundinterest calculator) and entered all the charges.

 

Bearing in mind the loan interest rate was 12.2% APR what % do I put in the interest rate (Apr) column, is it the APR of the loan which was 12.2%?

I take it the sheet automatically works out the 8£ compound interest rate in the final column.

 

4) Is there a letter template to try to claim back these unfair charges from Blemain

 

Any advice would be grateful

 

Regards

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http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

 

you use the CISHEET but you cant reclaim legal nor broker fees

use their apr in cell d15

 

 

you should set the claim to date as the date you settled it.

 

 

you are entitled to 8% stat int using the statint sheet from that total on that settlement date.

 

 

reclaim letter is in the mortgage section of the library.

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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Hello and welcome to CAG.

 

I'm sorry you haven't had any replies yet. I've flagged your thread for the site team to see if someone can help. Please bear with us. :)

 

My best, HB

 

 

Thanks :)

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