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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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Australian Debt - Complete Credit Solutions


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Hi there,

 

I have recently been contacted by the above company about an outstanding debt from my time in Aus, I left 5 years ago.

 

They have called and emailed (not sure how they got my details plus my name has changed). Below is the email from them, firstly I don't work, I am a stay at home mum and secondly, I just need any advice possible on what my course of action should be - any advice much appreciated.

 

'My office has made several attempts to contact you to discuss your outstanding Commonwealth Bank Personal Loan matter that has been assigned to my office. Your balance as of today currently stands at $xxxxx with interest continuing to compound daily at the contractual rate of 15.9%p.a.

 

For your reference, I have also attached the following documents:

1. A copy of the Notice of Assignment letter issued to your previous address confirming your matter has been assigned to our office.

2. A copy of the Final Notice letter issued to you today, outlining the current status of your matter.

 

Our investigations confirm you are now residing in the UK and are no longer in Australia. With this being said, I kindly request you contact our office to resolve your outstanding balance.

 

Unfortunately, if you do not make contact or if we are unable to resolve this matter with you, we will be transferring your matter to our UK agent, who will be instructed to make direct contact with you to recover and secure your balance. Please note, it is our preference to resolve your matter without the involvement of our overseas affiliates.

 

Should your matter be transferred to our UK agent, the full balance plus all interest charges & transfer costs will be due and payable immediately. However, should you be of a mind to contact us, I will happily discuss a commercial outcome to settle your legacy matter in Australia.

 

I look forward to hearing from you.

 

Kind regards,'

Edited by Andyorch
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In theory UK courts can enforce foreign debts like this, so you could end up with UK court judgement including costs.

 

Stevensdrake have taken Aussie debts to UK courts, but in the case i remember they don't want to handle small repayments over years or get into any argument. As soon as mediation was applied for, they discontinued the claim.

 

You mention having left Australia 5 years ago, but when did you last make a payment towards this debt ?

You don't have to respond at this stage. They might have traced you through UK credit reference searches, but it does not mean any actions will follow. They might continue to write, before handing to Stevensdrake. And Stevensdrake won't immediately issue a court claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Ignore the fleecers...

 

Lots of like threads here about them already

 

They have no legal powers whatsoever

And are not bailiff's..

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 for responding, it's pretty scary, last payment was around 5years and 2 months ago.

 

If they don't issue a UK court claim within 6 years, then it would be subject of statute of limitations and you could defend on that basis.

 

It is your choice as to how you handle it. But if you respond now, they will have hooked a fish and will then hassle you for a settlement. CCS have bought rights to this debt or now own it, so it is just how much they would accept to settle the debt. They might accept a much reduced offer say 20% of the debt value you left behind. You have to be careful if you are negotiating settlement, so do ask for advice if this is something you want to pursue. Or ignore and see how it goes. If Stevensdrake start writing to you, then come back for advice. You might be able yo spin this out, taking it beyond 6 years of the last payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If they issue a UK court claim will this effect my UK credit score?

 

If they gained a UK court judgement against you and it was added to your UK credit record, then yes it would affect you.

 

BUT you may never get to that stage or can obtain an agreement beforehand to avoid judgement.

 

If it were me, i think i would ignore it for now.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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They have called four times, the first was at 3.26am yesterday morning :shock:

 

They go by Aus time, so its likely mid afternoon their time. ALso, it depends on their debt collection rules over there. Over her ein the UK, theres case law which can stop them in their tracks, but its case law on UK companies and collection

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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They have called four times, the first was at 3.26am yesterday morning :shock:

 

You can complain to Aussie regulators, as phoning at these hours is not acceptable. They have upheld complaints about this before.

 

Keep a log to help with any complaint. If you kick up a sh1tstorm, it might save you £6k.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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I don't know if this makes any difference but there is a Notice of Assessment attached that says they basically acquired the debt from another DCA and not direct from the financial institution

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I don't know if this makes any difference but there is a Notice of Assessment attached that says they basically acquired the debt from another DCA and not direct from the financial institution

 

Not really. If they issued a court claim via Stevendrake, part of your defence would be for CCS to prove ownership of the debt.

We could do with some help from you.

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  • 4 weeks later...
Hi LM217,

 

I am in a similar situation to yours. Would you be able to advise on what the outcome was and the steps you took? Any advice appreciated.

 

Thanks. G

 

Hiya, Gemma, sitting waiting for more contact from them (with s ball of dread in my stomach)

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Hiya, Gemma, sitting waiting for more contact from them (with s ball of dread in my stomach)

 

If you hear from Stevensdrake, it might be an idea to write back asking for copies of everything e.g finance agreement, default notice, statements of account, proof that CCS have bought or been assigned the account and are legally entitled to handle the account.

 

If it is the same as the UK, debt collectors like CCS won't have any of the paperwork and they might struggle to get the Aussie Bank to provide it.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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If you're lucky you will be in Scotland and under a statute barred debt is one that can no longer be collected by a creditor due to the elapsed time limit laid down in The Prescriptions and Limitation (Scotland) Act, 1973 after 5 years.

 

So they will be onto plums.

Edited by TheChomper
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doesn't work that way.

 

 

its where you were when you took out the credit.

 

 

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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Guest Mrs Hobbit

Sadly, if it is an Aussie debt the SB depends on which state or territory the debt was incurred. all are 6 years apart from the northern territory it is three years. if it is Court Judgement in all Sataes and territories it is 12 years. The credit agreement will mention which State jurisdiction the debt is incurred in.

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Hi

 

Have a look at this link 'Debt collection guideline for collectors & creditors'.

https://www.accc.gov.au/publications/debt-collection-guideline-for-collectors-creditors

 

If you download the PDF make sure and have a full read of it.

 

These pages may be of interest:

 

Page 12 of PDF - Hours of Contact.

 

Page 13 of PDF - Frequency of Contact

 

Page 45 - Commonwealth Consumer Protection Laws

 

Page 59 - State and territory Limitation of actions laws

 

Please remember that guidance is specific for Australia.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Guest Mrs Hobbit

They can try, but this information should not be given out, I can't be sure but wouldn't this come under employee confidentiality and the DPA?

 

I am sure if you tell your employer not details about yourself is to be given out to anyone. i would put in writing and hand the letter to them. Your employer must have some procedure in place to protect employee confidentiality. Is it old employer in Aust, or here?

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shows how underhand they are trying to be

if they were really owed the money

then they'd go straight to count.

 

 

id be complaining to the FCA under CON rules and the ICO under DRA if it continues.

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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Share on other sites

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