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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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My partner debt before she met me - how will this effect me


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Hello

 

My partner moved in with me in january this year and Red debt collection Services working on behalf of Lowell portfolio 1 LTD have sent a letter to my address. The origional creditor was with t mobile who are claiming she owes over £1000 from around 3 years ago (there is an email address for tmobile but there are 3 companies mentioned).

 

The letter states that if my partner doesnt get in touch a licensed home visit agent will attend my home and legal proceedings will commence with the aim of balifs if they get a court order.

 

Now i met my partner last year in july and i do not have anything to do with this debt as it is 3 years ago; i didnt even know my partner then.

 

How does the law stand in relation to my assets, which i can prove i have paid for everything in my flat and my partner and child are not on the tenancy agreement.

 

Another area of concern is that i am disabled and unable to work and my partner is my carer. I really could do without this hasle, and am in the process of trying to find alternative accomodation.

 

My partner has other creditors, who have not located her yet

 

I have not responded to their letter either verbal or writtern.

 

What i want to know is can they take any of my assets, now and if no and we get married in the future, have they the right to claim my property in my flat.

 

Thirdy if my partner has to do a capital expenditure calculation and we are at the moment claiming as a couple. does all the income we recieve have to be declared?????? how does it work.

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What i want to know is can they take any of my assets, now and if no and we get married in the future, have they the right to claim my property in my flat.

The answer to this is quite simply NO.

 

Debt collectors have no more legal power than the milkman, if you got into arrears with the milk bill would the milkman come and do a repossession ? I think not!

 

And regardless of whether or not you get married these debts are in your partners sole name and remain her responsibility no matter what some DCA tries to fob you off with. A licensed home visit agent is nothing more than a posh name for a debt collector.

 

If my partner has to do a capital expenditure calculation and we are at the moment claiming as a couple. does all the income we recieve have to be declared??????

Absolutely not. As previously stated regardless of whether or not you're married if a debt's in your partners sole name, it's her sole responsibility and your income doesn't enter the equation.

 

Have you considered contacting National Debtline or the Consumer Credit Counselling Service, their advice is second to none and free, they are both registered charities..

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck & best wishes, Dave.

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I do not agree.

 

Income of both parties does need to be declared as your partners income is obviously assisting towards the bills. You can hardly claim that 100% of all bills and expenditure are met by you and she does not pay anything towards any of them.

 

CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

Hope that makes sense.

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Have you considered contacting National Debtline or the Consumer Credit Counselling Service, their advice is second to none and free, they are both registered charities..

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck & best wishes, Dave.

 

As Dave has said, it is worth contacting the above charities. They will assist with the expenditure sheet. They will help your partner to work out a repayment plan for her debts that she can afford, if that's what she wants to do. If what she can afford is £1 per month, then so be it. I am assuming, but may be wrong, that you receive benefits which they will not be entitled to either.

 

Regardless of who owns what, no DCA is entitled to enter your property without being invited. They will say such things to intimidate and pressure people.

 

Let us know how you get on.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

 

I did not find that to be the case. One year dealing with Cab was equal to two posts worth of advice i recieved here. Mention CAB to a DCA and you dont get any response, metion CAG and the phone goes down quicker than ......insert own analogy here.

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Is that really true?

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I do not agree.

 

Income of both parties does need to be declared as your partners income is obviously assisting towards the bills. You can hardly claim that 100% of all bills and expenditure are met by you and she does not pay anything towards any of them.

 

CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

Hope that makes sense.

A debtor is solely responsible for debts in his/her own name, any new partner months/years down the line cannot be held jointly responsible even by virtue of marriage.

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Is that really true?

 

I found i got quite biased advice from the CAB and at one point they recommended an IVA based only on the info i have provided here. CAG has the reputation whereby DCA`s do pay a lot more attention if you say you are recieving advice from them. The statistics and the posts speak for themselves. If the CAB recieved as many quieries and had as many returning customers ( for want of a better word) you wouldnt be able to get an appt till next Christmas.

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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I have debts that go back 10 years, met my partner 7 years ago, therefore I had my debts before I even knew him.

 

CAB used to advise me, but once my daughter and i moved in with my partner, CAB said that he had to take 1/2 of the responsbility for my debts as because we shared our lives together we therefore had to share my debts, and if my partner was going to accept responsbility for my daughter then he had to accept joint responbility for my debts. :eek:

 

We did not agree with CAB and they refused to help and advise me. They would only help if my partner shared my debts that were nothing to do with him and incurred before we even knew each other. They also said that he would have to give up all his credit cards and enter into repayment programmes with them. (honestly, they did!)

 

I decided to deal with things myself. After phoning the National Debtline for help to get me started on my own, they advised me what diskmandave has posted earlier:

 

A debtor is solely responsible for debts in his/her own name, any new partner months/years down the line cannot be held jointly responsible even by virtue of marriage.

 

I do not have my name on any of the household bills and the mortgage is in my partners name only. I moved into his house.

 

Our agreement of looking after things is that we each take responsbility for our own personal finances, he pays all the house bills, I run the house, cook, clean, chase after kids etc. Works fine for us.

 

When I was required to complete Income & expenditure forms, I listed my wages, tax credits, child benefit on as my total income, and then for my expenses I listed car expenses, mobile phone expenses, food, clothing, groceries for myself and my daughter, an allowance for haircuts for myself and daughter, a small amount for unexpected payments throughout the year such as birthday presents. To deal with the fact that I lived with someone I also put into my expenses a contribution towards partners mortgage and my contribution towards household bills.

 

This was never queried (other than the usual pay more or else!). As far as I can see this showed an accurate picture of how much money I had available to pay token payments, and my partners income didn't even need to be mentioned.

 

As for bailiffs coming round, well they can't just turn up. Bailiffs would only be involved if the matter went to court and you lost and then failed to pay whatever the court instructed you to pay! (correct me if i'm wrong).

 

Hope this helps!

 

Maggieboo

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Subscribing...

 

You do not take your debt responsibilities jointly with you into a new relationship. They are yours soley, for you, and you alone, to deal with. Ignore the BS from the DCAs, they're just tryigng to scare you and CAB have given the wrong advice :eek:

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I have been in the same situation.

 

1st Credit said they were going to put a charge on the property which my partner solely owns - the debt is from long, long before I even knew him. They also threatened to take his car and the stuff in the house (which belongs to him) I told them they couldnt do that, to which they got shirty and said they could.

 

Thanks to all you lovely CAGgers, I discovered they couldnt, chucked that at them and also may have threatened that if they so much tried to take a thing Id have them arrested for theft. They have now crawled off with their sorry tail between thier sorry legs :D

 

Moral of the story - they cant take anything that doesnt belong to your partner!

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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