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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!
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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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Blemain - lies and harassment


Challenging
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I called Blemain yesterday regarding their failure to provide a breakdown of charges and supply me with their complaints procedure. I spoke to their aggressive and appalling Collections Manager who told my husband that they were going to throw us out of our house next week. We told him that they had to follow the correct legal procedure and that they hadn’t notified us. He told us that they could do what they liked and that he didn’t have to write to us. He told us that they could just turn up and didn’t have to give notice. We told him that the eviction date related tour 1st Mortgage, not them and that this was being deferred and sorted. He told us that we were talking rubbish.

We today visited the bailiff who told us that they didn’t have an eviction date and that it did indeed relate to the first mortgage. He told us that Blemain had called him and asked for us to be evicted next week. He told them that they had to apply for a warrant and wait approximately 4 weeks (they applied to the wrong court). They weren’t happy with this and asked for it to be executed at the same time as the first lender – even he was appalled. He told them not to bother to turn up as they had no jurisdiction. I am so angry at their tactics and will make it my mission to make them pay. The FSA have lodged a complaint about their conduct and unlawful tactics, Trading Standards told me to call the police and the FSA also told me to call the Ombudsman about their behaviour, which I will do tomorrow. I am also going to meet my MP about these bullies and have lodged a complaint with Cheshire Mortgage Corporation

Any advice on their tactics?

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I know when timing becomes critical that there is a temptation to use the phone. Try to avoid it as anything can be said over the phone that would not

be put in writing. But once you have it on paper, your case becomes stronger.

So only ever write to these people.

In order to establish what was said on the phone yesterday, you could try writing to them restating what the Collections manager said and pointing out

that you maintain that legally they have to observe the proper procedures.

And ask for their comments. Do not mention your conversation with the bailiff

company to them, nor that you are involving the FSA TS etc etc.

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Where a phone conversation has taken place, it is often helpful to follow up with a letter along the lines of:

 

I refer to my telephone conversation with XXX of (date). My understanding of the conversation is that XXX stated that Blemain are not obliged to comply with the law and intend to 'have us thrown out' of our house next week. I would be grateful if you could clarify your position in writing in case I have misunderstood.
List all the points they made, and standby for the backpedalling answer.
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Hi Sequenci

It relates to a secured loan. My husband got into arrears, didn’t tell me and apparently they went to court and got a CCJ. We were recently remortgaging but the new mortgage didn’t completely cover the 1st mortgage and secured loan because of the ERC and collection costs. Blemain refused the deed of postponement even though most of then loan remaining with them would be charges. Their reason given was account conduct and this is stopping us from progressing. Basically Blemain have threatened us with eviction when they had not followed a process. We have asked for a transcript of the call.

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Are you sure it is a CCJ for a secured loan? it should be a suspended possession order. Please find out ASAP and get back to me. Also, have you sent them a SAR?

 

Apologies about my posts earlier, my pc was playing up.

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I haven't sent a SAR yet but will do today as I am making an official request for all data protection stuff, record of call and justification of collection costs via Cheshire mortgage Corporation and will ask for their written opinion on what I was told by the Collections Manager.

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They have definately told me on more than one occasion since I have become involved that it is a CCJ

 

well it is a county court process, the same as obtaining a money judgment. it's just that the process for repossession for secured lending is very different from enforcing an unsecured money judgment. if it IS a secured loan then previously i would imagine the court has agreed to a suspended possession order on terms that you meet the contractual payment of the loan agreement plus something towards the arrears.

 

if this agreement has been breached then you will need to apply to the court for another suspended possession order on the n244 form.

 

you did mention that the wrong court was used to perhaps the mortgage lender has used an incorrect court process. it could be worth calling the court and finding out what the score is.

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Following our conversation Monday, it appears that he checked his facts and found that we were right. They had applied for a warrant (in the last week) as we checked with the courts, but had applied to Liverpool. The application has therefore got to be transferred and they have to wait 4 weeks, so he stamped his feet and said that he wanted us out. I will pay the arrears to stop this but I am confused as they never mentioned a suspended possession order, just a CCJ. It is vital that I get all documents asap and challenge them. I just can’t believe their vindictiveness.

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knowing blenheim they are a shower ob (edit my own language)but they will try every dirty trick in the book ,you must get some recording eqipment and record all conversations with these ****,when eventually i have my operations i intend bringing a serious claim against them ...so hang in their google blenheim and keep a full detailed record of everything said ,its a shame your hubby did not take them seriously had he been on here a month or so before he would now be in a position to do something and releive some of the stress on you,but dont worry on here you will get the best advice in this forum but you must act quickly good luck

patrickq1

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Thanks to everyone for your help. I am pretty depressed at the moment. My husband is the type to bury his head in the sand and there has been no need to cause this. I am on annual leave and it's unbearable.

 

The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

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The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

 

If he took out those loans to pay off unsecured debts you should CCA / SAR those creditors - there are bound to be bucketloads of charges to recover.

"Why CCJ when you can CCA!"

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  • 4 weeks later...

Challenging; i do feel for you. Blemain are an outfit that should not (if it were up to me) be allowed to trade.

 

They've enabled you to be in this awful position just to make a profit.

 

Shylock from The Merchant of Venice comes to mind.

 

I once worked there and regret it wholeheartedly.

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does this blemain company have a really bad reputation? as my mum is in the middle of getting a laon through access and apparently blemain has something to do with it after reading these posts im now slightly worried about them!!

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Blemain are sub prime lenders, they usually lend to people with adverse credit or who have problems obtaining credit elsewhere, you would normally pay a broker who will arrange finance with sub prime lenders such as blemain, they usually secure loans on your property and if you maintain your payments on time then every thing should be ok, but if you fall into arrears then your in trouble, 3 months arrears and they will go for full reposession of your home, also if you want to redeem your loan early the redemption figures are very high, tread very carefully with this company..Gc

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Hi

 

I have sent a SAR to Bf back in June which they have replied to by sending a copy of my agreement ,T&C's a statement of account (not showing any charges) and a copy of their complaints procedure.

 

I have lodged a complaint with ICO but no reply as of yet. I have written to FISA several times they have tried to help but say they do not regulate their members.

 

I have also contacted the OFT and am awaiting a reply. Trading Standards and FOS both say it is not in their remit.

 

Blemain are a law unto themselves and it does seem that no regulatory bodies are prepared to intervene leaving us all at their mercy.

 

I really feel for you they are complete barstewards and have no respect for the law at all.

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