Jump to content


  • Tweets

  • Posts

    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

RBS Mint Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5575 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

I sent a cca request to mint for a copy of my agreement with them,i received the following from them and i wonder if what they sent is a true copy,is this just a application form copy,the box where they sign and date seems to have been cut and pasted on to the form and i can't read what,s dates there or who signed, also the credit amount thats there is wrong it was only around the £2,500 when first taken out.

 

http://i169.photobucket.com/albums/u230/barns66/mint-1.jpg

 

Seperate sheet they sent link below.

 

http://i169.photobucket.com/albums/u230/barns66/mint2-1.jpg

 

barns66

Link to post
Share on other sites

They sent you an application form.

Also the terms and conditions on page two refer to charges of £12. Which were changed recently. But the application form is dated 2000.

The terms and conditions/key information should be the ones that would have been from 2000 and the ones that would have been with the agreement at the time.

 

They've just cobbled together a few bits to make it look like they have an enforceble agreement.

 

All the pescribed terms should be on the signature document. Nowhere does it refer to the second page.

 

So I would say it's unenforcable.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

Link to post
Share on other sites

Quick update on this,i sent a letter pointing out that they seem to have sent me a application form and not what i had requested,waiting to hear back from them.I then got a letter from a dca telling me that they had been instructed to collect the alleged debt from by Rbs mint on the 14th July 2008 that was the same day the letter is dated that they sent with the info shown in photos.I sent the dca a email on Monday pointing out that the account was in dispute with Rsa Mint,they replied informing me that Rbs Mint have never informed them at anytime that the account was in dispute and have returned the account to Rbs Mint.It seems strange to me that they sent it to the dca before i received the info requested,waiting now for further developments.

barns66

Edited by barns66
add
Link to post
Share on other sites

  • 2 weeks later...

Hi

Just a quick up date,i received a letter back from them stating as they have supplied a copy of the credit agreement that i signed,they also included in this letter 2 pages they say are the terms and conditions when the agreement was made,have they now fullfilled there obligation.I am still a bit suspect on what they have sent on 2 matters at least,Point one on the copy of the application form next to the box with gross annual income the other box contains figures of £10,000 these figure have not been entered by me,is this the credit card limit when i took the card out,if it is it's wrong as the limit was far less than that.Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

 

http://i169.photobucket.com/albums/u230/barns66/MINT55.jpg

http://i169.photobucket.com/albums/u230/barns66/MINT45.jpg

 

barns66

Link to post
Share on other sites

Hi, its all smoke and mirrors mate, if the last box on the app form doesnt say prescribed terms overleaf (which i cant read) then its unenforceable and can only be decided upon in court

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Link to post
Share on other sites

Thanks for your reply credit,it does say prescribed terms overleaf,i still don't understand which of the 2 pages sent this refers to,i about to send a letter to them asking for clarification on 3 points on the application form sent.I thought i had read somewhere that any credit agreement before 2005 must contain the t & c within the document and not on a seperate page.Will let you know when i hear back from them.

 

barns66

Link to post
Share on other sites

  • 4 weeks later...

Hi barns66

 

It's very hard to read your scanned agreement, but:

 

Hi

Just a quick up date,i received a letter back from them stating as they have supplied a copy of the credit agreement that i signed,they also included in this letter 2 pages they say are the terms and conditions when the agreement was made,have they now fullfilled there obligation.I am still a bit suspect on what they have sent on 2 matters at least,Point one on the copy of the application form next to the box with gross annual income the other box contains figures of £10,000 what does the text say to the left of the box you are referring to? The '£10,000' looks very neat and may have been filled in as an example? these figure have not been entered by me,is this the credit card limit when i took the card out,if it is it's wrong as the limit was far less than that. I don't think that is meant to be any reference to the credit limit Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

 

http://i169.photobucket.com/albums/u230/barns66/MINT55.jpg

http://i169.photobucket.com/albums/u230/barns66/MINT45.jpg

 

barns66

 

Thanks for your reply credit,it does say prescribed terms overleaf,i still don't understand which of the 2 pages sent this refers to, I agree. Very hard to see, but it looks as if there is a statement which says "I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...." So where is the copy of the details overleaf? Even if they can supply the separate general conditions applicable at the time you took the card, IMHO that would not make the agreement enforceable in court, as they would actually have to be able to show what was being referred to overleaf. So it seems they would have to provide the original 2-sided document to prove their claim in court. Although they may not yet have provided you with a copy of the other side of the application, it does not mean they don't have it, or the original, so I guess you need to pressurize them into supplying a copy of the other side. :rolleyes: i about to send a letter to them asking for clarification on 3 points on the application form sent.I thought i had read somewhere that any credit agreement before 2005 must contain the t & c within the document and not on a seperate page.Will let you know when i hear back from them.

 

barns66

 

Good luck

Rob

Link to post
Share on other sites

Hi Rob,thanks for your reply.

 

what does the text say to the left of the box you are referring to? The '£10,000' looks very neat and may have been filled in as an example

There is no text just £10000

 

Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

I think it as been copied and pasted as well and i can't make out who as signed it or the date it looks like 2000 but the date i can't make out.

 

"I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...

 

This is the text from the declaration box.

 

I apply for an RBS Avanta Card and PIN to be issued to me .I accept and agree to be

bound by the general conditions applying to the card as set out separately amd the details

about the card as set out uverleaf both as may be amended from time to time.If i have

applied for a Gold Card and my application is not approved,I confirm that this form is

am application to be issued with your classic credit card.If requested i hereby autirise

you issue am addional RBS Avanta Card (of the same type issued to me) to the person

named for use on my RBS Advanta Card account.I confirm that my personal informationmay be used as described in the Data Protection box above.I understand that for protection of customers and RBS Advanta the information i have supplied is checked and if any substantial

differences are revealed the Credit Industry Fraud Avoidance System will be informed.

 

barns66

Edited by barns66
add text
Link to post
Share on other sites

 

"I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...

 

This is the text from the declaration box.

 

I apply for an RBS Avanta Card .......

 

Hi

 

I was just re-emphasising what had already been said in the thread regarding the details of the card as set out overleaf as without seeing them you obviously do not know what they are (and neither would the Judge :rolleyes:). Unless RBS can show what those terms were, they cannot prove anything, so you need to insist on receiving the 'other side' of the application form. ;)

 

Cheers

Rob

Edited by robcag
typo
Link to post
Share on other sites

  • 4 months later...

Hi.

Just a quick update,they have now passed this on to Allied International Credit (UK) for collection,would it be a good idea to sent these muppets a in dispute letter and a cca request.I am going to get in touch with Mint again stressing i have still not received what i requested.

 

barns66

Link to post
Share on other sites

You've done the right thing.

 

Keep up the dispute unless they provide something that's properly enforceable.

 

They'll try any tricks to con you into paying something.

 

If you feel brave enough, invite them to take you to court and prove it there. Most of them will decline that offer. Some of them have realised that taking on a CAG member is getting a bit too expensive.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...