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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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Taking out assurance when you get a mortgage


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Sorry, if this has been covered in another thread, but needed to ask direct so I can get my head around it. :p

Ok, is it really advisable to take out assurance when we get our house? We (me and the OH) have spoken to quite a few people half say yes, take it our you need the protect in case one of us falls ill, or dies. The other say no, and that it is a waste of money.

We got a quote through our mortgage brooker for £100 a month, which just seems ridiculous. I had a quick look through a few comparison websites and the cheapest quote was £30 for a decreasing mortgage?? with critical illness.

So, can someone advise on what we need and what the cheapest option is??

Thanks, ever so. :)

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I'm not an insurance exert but would advise the cheapest term assurance you can afford that will pay off the mortgage. Take into account any insurance that you may have as part of a work pension scheme, and insure for the amount to pay the mortgage off in the event of death to cover the other partner.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I got ripped off with that wholem thing too.I now have level term instead of decreasing terem as per the mortgage companies (which pays out the total amount , even towards the end of mortgage which would leave kids with nest egg).

Saved myself £51.00 per month and the lovely bank do not get any commission on this.

Hip hip Hooray.

Critical illness is something that you should think about, but will depend on your own circumstances.

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I got ripped off with that wholem thing too.I now have level term instead of decreasing terem as per the mortgage companies (which pays out the total amount , even towards the end of mortgage which would leave kids with nest egg).

Saved myself £51.00 per month and the lovely bank do not get any commission on this.

Hip hip Hooray.

Critical illness is something that you should think about, but will depend on your own circumstances.

 

Who did you go with??

AND

What is the difference between level term and decreasing term???

Thanks

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Who did you go with??

AND

What is the difference between level term and decreasing term???

Thanks

 

Level term cover stays the same for life of policy

Reducing term cover decreases year on year (supposed to be in line with mortgage balance)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Sorry, didnt see the second part of the question.

Deceasing Term

Basically if you snuff it 24 years into your mortgage (don't forget that you will be older and perhaps more likely to be ill, the company will ony pay out the remaining balance on your mortgage).

Level Term

If say, the mortgage at present is £100,000 , the company will always pay £100,000. should you be 1 year or 24 years into it.

So, in 24 years time I will be in my 50s and should I die , my kiddies will get the £100, 000 minus the remaining balnce on the mortgage

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  • 2 weeks later...

I'd definitely get some life assurance to cover the amount of your mortgage. However, it sounds like you're talking about Payment Protection insurance too (aka Accident, Sickness and Unemployment insurance). Whether you get this depends upon your attitude to risk. As somebody who's worked in the PP claims dept, I don't think it's worth the paper it's written on. Yes, it'll cover you if something terrible happens but you'll be paying the premium every month for 25 years, for something that's probably quite unlikely. You need to think about how you'd cope e.g. if you got made redundant, wouldn't you just get another job!? These policies often have restrictions e.g. don't pay out for first 3 months that you're off work or are very specific e.g. certain types of medical conditions but not others. You have to weigh up your personal circumstances e.g. do you have savings or famioly to fall back on against the total premium you'd be paying and the chances of you getting ill.

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I think the matter of whether to take out insurance is rather too complicated to be covered in a couple of sentences.

 

If you ask the question "how much insurance do I need if my OH dies?" the answer is highly unlikely to be "exactly enough to cover the mortgage". I would really recommend giving a bit more thought to what you would need in case one or other of you dies, and taking out the necessary cover.

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Do mortgage companies still require you to have life assurance? I thought that was less common these days (mine certainly doesn't).

 

I was encouraging the OP to look at the issue in the wider context of financial planning.

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Do mortgage companies still require you to have life assurance? I thought that was less common these days (mine certainly doesn't).

 

We are in the process of selling and buying and have been told by our Solicitor that you do no have to have life cover it is optional...

 

however we will be getting life cover, as I would hate to think I left hubby with the mortgage to pay.

 

I personally think that you used to have to have life insurance but it appears it is optional now.

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I HAVE MY DECREASING TERM ASSURANCE WITH LEGAL AND GENERAL - JOINT POLICY WITH MY WIFE AND WE PAY A FIXED PREMIUM OF £10.50 PER MONTH FOR £50K WORTH OF COVER (MORTGAGE ONLY £49k). THE POLICY IS LIFE INSURANCE WITH TERMINAL ILLNESS COVER

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I'd definitely get some life assurance to cover the amount of your mortgage. However, it sounds like you're talking about Payment Protection insurance too (aka Accident, Sickness and Unemployment insurance). Whether you get this depends upon your attitude to risk. As somebody who's worked in the PP claims dept, I don't think it's worth the paper it's written on. Yes, it'll cover you if something terrible happens but you'll be paying the premium every month for 25 years, for something that's probably quite unlikely. You need to think about how you'd cope e.g. if you got made redundant, wouldn't you just get another job!? These policies often have restrictions e.g. don't pay out for first 3 months that you're off work or are very specific e.g. certain types of medical conditions but not others. You have to weigh up your personal circumstances e.g. do you have savings or famioly to fall back on against the total premium you'd be paying and the chances of you getting ill.

 

Based on experience, I'd agree with this 100%.

 

Life insurance is a must, but payment protection - forget it.

 

Incidentally, I have Level Term life cover through work - it pays out £100,000 should one of us die, for £10 pm.

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Guest weegirl

Insurance is something that can be tailored to personal circumstances.

The payments may seem like a waste at the time, the thing is, you don't realise how important it is until you need to claim.

 

You need to add up your savings, other insurances, etc. You may have enough to pay your mortgage if you take temporarily ill, or you may have your home re-possessed. The banks normally are more expensive than independents, but as already stated, bargin bucket insurances may not be good value either. Talk to a reputable company.

 

I personally have my home insured to the eyeballs, critical illness included as I couldn't afford the payments if I took ill.

 

The credit cards can take a running jump though.

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