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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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CRS txting me every day over old Pixie Loans


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Hello,

 

I have the following issue and was wondering if someone could help me figure out what I should do:

 

CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans.

 

 

They only text, never call and I never received any letters via post,

I think they don't know my address as I have moved.

 

They are threatening with court actions and CCJs.

And told me that they have sent me a letter but I never received anything apart from regular texts.

 

Is there anything they can really do,

can they really take me to court if I have not received any official letters via post?

 

I was thinking of sending them a letter and asking to do everything only in writing

but at the same time if they do not know my address and my email address

- I do not want to give them that information.

And sending a letter without a return address doesn't seem to make sense...

 

Not sure what to do in this case.

Are these texts enough to get me a CCJ?

should I reply?

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Send a cease and desist letter read up on harrison vs link. Also inform the regulator.

 

Also can you give more info surrounding the debt so we can advise on that part of your issue.

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

:D

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Thanks for replying!

I am very bad at all legal stuff, what is a cease and desist letter?

 

Regarding the debt - there's not much to say... About 3 years ago took out a payday loan for around £300 (don't remember exactly) and was not able to pay it back as I lost my job at the time and had to turn to my parents for financial support. I was a bit stupid and didn't contact Pixie Loans to tell them my circumstances charged and I just kind of left it like that...

Pixie Loans never contacted me themselves, I have not received any letters from them until recently started receiving txts from CRS with reference to pixie loans...

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Does CRS use the same number? Can you block it? Or are they in breach of regulation and law by using multiple different numbers?

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

:D

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Then you need to get complaining. They are NOT allowed to do that at all.

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

:D

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Ok, how and who do I complain to? (I'm only 21 years old and never really been in a situation like this before...)

 

Also, would you know if are they still able to take me to court without me having an official letter from them? I mean, can they take me to court if I change my number for example and they can not reach me?

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simply ignore them

they are a DCA and are NOT A BAILIFF

and cant do anything to you

who are they stating is their client?

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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They are just stating a reference number over txt that starts with PIXIExxxxxxxx.

 

They are not a bailiff yes,

because i do not have a ccj yet.

But I am scared that they will take me to court,

get a ccj and then will send bailiffs...

 

I am just wondering if i should send them a letter and expose my current address or not do anything and hope they wont take legal action?

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they are not a bailiff even if they get a ccj.

 

 

they have no more powers than you or I

if someone owes us money

all we can do is issue a court claim.

 

 

THEY CANNOT get a CCJ

only the owner

 

 

check your credit file

see who owns it

 

 

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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Forward the text messages to 7726 (spam) on your phones keypad, this is sent to your operators system, which is then sent off to the ICO for any legal action they may choose to take.

 

Does your credit file have your correct address on?

 

Be very careful about not keeping that up to date, as they 'may' get a CCJ by default.

 

I would imaging that what you owe is inflated with all of their fees and charges and extortionate interest rate.

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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about time you did.

whatever address is on your credit file as to where you are now is immaterial.

its them not being informed in writing of a move that the important bit

else backdoor CCJ's will be sought

 

 

its better NOT to totally ignore fleecers if whatever debt they are chasing was taken out at a previous address and that you've not informed them or their clients or the OC previously of a moved.

 

 

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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Changed my address to the correct one on my credit file, so all should be in order now.

 

 

There are 3 addresses there for the last 4 years so I think if they would start anything against me it would be visible on my credit file?

There's not even a default there for this ...

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well that sorts your credit file...

but NOT that you have by letter informed your debt owners of your correct address

so DOES NOT protect against a backdoor CCJ.

 

 

so who is shown as the owner of this debt CRS are chasing for them?

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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so the address that you were at, at the time of the loan is showing though?

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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I think id be sending them a CCA request

 

 

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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