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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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Woolwich/Barclays tried to stitch me up!!!!


paulwlton
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3 weeks ago I asked for a redemption statement so I could repay my mortgage. The first statement that sent included £195 final repayment charge an interest payment that I couldn't understand how it had been calculated and a monthly payment that had not been credited to the account.

 

I questioned these and was told that Id agreed to the final repayment charge when I took out the mortgage and the interest payment was calculated pursuant to terms id agreed.

 

The next redemption statement was correct save for the interest Of £84 and the £195 fee. I took issue with this again but got no where.

 

I rang the FOS and they contacted Barclays and registered a complaint. Ive just spoken with their complaints dept and they now acknowledge that my mortgage offer did not include a repayment charge and they have failed to justify the £84 interest they've debited and are now saying the two redemption statements were just for illustration purposes.

 

I accused them of Fraud pursuant to section 2 Fraud Act 2006.

 

I await their next response.

 

Naughty, naughty.

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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3 weeks ago I asked for a redemption statement so I could repay my mortgage. The first statement that sent included £195 final repayment charge an interest payment that I couldn't understand how it had been calculated and a monthly payment that had not been credited to the account.

 

I questioned these and was told that Id agreed to the final repayment charge when I took out the mortgage and the interest payment was calculated pursuant to terms id agreed.

 

The next redemption statement was correct save for the interest Of £84 and the £195 fee. I took issue with this again but got no where.

 

I rang the FOS and they contacted Barclays and registered a complaint. Ive just spoken with their complaints dept and they now acknowledge that my mortgage offer did not include a repayment charge and they have failed to justify the £84 interest they've debited and are now saying the two redemption statements were just for illustration purposes.

 

I accused them of Fraud pursuant to section 2 Fraud Act 2006.

 

I await their next response.

 

Naughty, naughty.

 

Regards

 

 

Ive had fun with mortgage companies in the past lol.

 

http://www.mirror.co.uk/money/personal-finance/man-of-steel-has-won-on-penalties-461858

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Just spoke with a media contact who is extremely interested in this. Watch this space.

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi Paul,

 

We'll be watching to see how this unfurls.

 

:-)

We could do with some help from you

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Hi Paul,

 

We'll be watching to see how this unfurls.

 

:-)

 

when I initially challenged them they said the fee would have been included in "your mortgage" offer and therefore contractual. When I told them I've got the original from 2002 and there were no provision for a am early repayment and/or an interest charge they said it was mandatory. I've asked the complaints team to listen to the recoded calls and I've asked for copies.

 

I have no idea how the final interest charge has been calculated and the person in complaints didn't have a clue either. 😂

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi Paul,

 

....... and the person in complaints didn't have a clue either.

 

No surprises there, then !!

 

But it's terrible, what they tell you, assuming you have no proof from way back when or that you would not be inclined to challenge them in the way you have.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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

 

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Thanks !:-)

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Hi Paul,

 

 

 

No surprises there, then !!

 

But it's terrible, what they tell you, assuming you have no proof from way back when or that you would not be inclined to challenge them in the way you have.

 

According to Barclays their system automaticaly includes all historical charges in redemption statements even though in lots of cases the mortgage offer doesn't include one.

 

The question I asked is how many people have been charged this (system error) when they shouldn't have been.

 

Im informed they'll respond in writing once they have sought advice because theres now media interest.

 

Regards

PW

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Received the banks response. The banks system is set up to charge every customer an exit fee when they make the final payment notwithstanding the original offer may have not included a fee........very naughty!!!!

 

 

 

The case will feature in the National press a week on Wednesday.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

We could do with some help from you.

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

 

Why haven't you claimed it back. I claimed the fee back on my old mortgage as it should only represent the cost of closing the mortgage.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

 

Andy, its estimated that the true cost of closing a mortgage is £35.00

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Andy, its estimated that the true cost of closing a mortgage is £35.00

 

I realise so Paul..Im good at advising others...and not so effective with regards myself:wink:

We could do with some help from you.

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The Woolwich has hitherto failed to explain how the interest was applied and whether it was applied pursuant to the original terms and conditions. They agree that the statements provided are neither clear nor transparent. I await their further response.

 

PW

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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