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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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FinancialNinja Vs Triton/RBos


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Firstly, This is my first post so please bear with me.

About 18 months ago I left my then wife and moved out of the then marital home, then following lengthy legal proceedings (Divorce) I remortgaged said house and moved back in only to find that I had debts that I didn't know about and worse still they hadn't been paid and even worse still THEY WERE IN MY NAME!!

 

Having spoken to everyone and agreed to pay I found that I couldn't manage making all the repayments and fell behind. I then had a good month at work and upon reciept of my commission I paid RBos £1100 towards the debt that I had with them:(

 

The day after they cashed the cheque I recieved a letter from Triton telling me that I had 7 days to pay the full balance or they would start legals. I called both them and RBoS explained that I had paid and there must be a mistake, however they insisted that no mistake had been made and I felt terrible, so I adopted the bury your head in the sand approach and ignored them both.

 

Several months later I recieved another letter explaining that they would be sending someone to my house etc etc and at that point I panicked and googled Triton. The search directed me to this site and a post by Alan From Derby who had posted the CCA letter to another user having problems with Triton.

 

I sent off the CCA letter recorded 13 days ago with my £1 PO and eagerly awaited the response, first a letter from Triton informing me that they had sent the file back to RBoS and then nothing!!! Yesterday I recieved a letter explaining that they "did not have sufficiant information to satisfy my request" and that "they were treating my outstanding balance as discharged and the credit agreement as ended"

 

I would like to thank EVERYONE who has contributed to this site and enabled me to solve just one of many problems, I had claimed bank charges back previously via the Martin Lewis WS but I didn't even think this was possible!!

 

Questions:

 

Can I ask RBoS to remove the default on my credit rating?

 

Can they ever come back and chase the money?

 

Can I do anything to help CAG?

 

Once again thanks to all!!

 

Andy:D

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Hi FinancialNinja and welcome to CAG. Well done on sorting out your problem with RBS.

 

Can I ask RBoS to remove the default on my credit rating?

 

Default removal can be difficult, it's not impossible though. Did you receive a default notice?

 

only to find that I had debts that I didn't know about and worse still they hadn't been paid and even worse still THEY WERE IN MY NAME!!

 

Is this a case of your ex took them out and you don't want to get her in trouble by telling the credit card companies this?

 

Can they ever come back and chase the money?

 

It's highly unlikely that they would, but just keep the letter safe in case.

 

Can I do anything to help CAG?

 

Certainly, we are a free site but we do have running costs. If you would like to make a donation to the site you can do this through Paypal by clicking the please donate button, under the ads for books at the top of the page. Alternatively we have an address that donations can be sent to.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory,

 

Default removal can be difficult, it's not impossible though. Did you receive a default notice?

 

I don't recall recieving a default notice.

 

Is this a case of your ex took them out and you don't want to get her in trouble by telling the credit card companies this?

 

It's a little more complicated than that, but in all honesty yes, we have two children together that I see lots of and I am sure that a fraud case etc would not be good for their formative years. Also i obtained a court order for financial matters when the divorce was going through and within contains that I would pay all marital debt. So I just decided to take it on the chin and deal with it.

 

Certainly, we are a free site but we do have running costs. If you would like to make a donation to the site you can do this through Paypal by clicking the please donate button, under the ads for books at the top of the page. Alternatively we have an address that donations can be sent to.

 

Donation on it's way!!

 

Thanks

 

Andy

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I don't recall recieving a default notice.

Okay, you can then go down the route of you never received one. They would have to prove that they sent one (it's a legal requirement to send a default notice to set out how the breach can be resolved before defaulting you).

 

Donation on it's way!!

 

Very much appreciated. Thank you :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

All has been quiet on this one for a while, however I have been trying to get the default removed as I have no recolection of them ever sending me a default notice.

 

I sent my letter asking that they remove the default and they replied with a good old GET LOST!!

 

I then sent another letter as they were stating in their reply that "I agreed when I signed the CCA that they could process my data" My argument is that as they couldn't find the CCA then surely thay can not quote the terms within!!

 

I recieved their second reply in which they advise me that I can approach the ICO and they might help etc etc.

 

Having got absolutely nowhere with the ICO I rang the FSO yesterday and spoke to a very helpful guy who listened to my problems and agreed that they are not playing fair. So they are sending a letter and we will see how they handle this one!!

 

I'll keep you posted

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