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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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Debenhams/Santander Cards-Viking Collection Services LTD


Nicola85
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Ignore Viking and them telling you they want all or nothing, that is an unlawful request, and they will never admit to saying that in front of a judge!

 

If all you can manage to pay them, is the token payment of £1 a month, then do that, until such time that you are able to post up a clearer image of the agreement they sent you.

 

All you need is their bank details and you can set up a standing order, DO NOT set up a Direct Debit with them under any circumstances.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Images are just the front of the agreement. The right to cancel box is contained within the terms and conditions which were sent seperate from the agreement. The CAA I was sent was an A4 piece of paper with a 4x5 inch copy of the agreement. The back of the A4 piece of paper was blank and the terms and conditions for it were sent out seperate so I have no idea if they are the right ones for this agreement.

 

Is it still enforceable without the pescribed terms i.e repayments? Or are they allowed to put them in the terms and conditions?

 

I have been sent loads of documents by the DCA. They just say the usual like this debt isint going to go away so pay us the money you owe us and if I don't they will take me to court etc.

Edited by Nicola85
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I don't mean to be a pain but I would really like to move on with this. Is there someone who can tell me If my agreement is legally enforceable in court? It would really help so I can get started on the best course of action.

 

The agreement I recieved was a Microfiche.

 

The terms and conditions sent seperate from the agreement are current and not those used when I signed the agreement.

 

The 'right to cancel' box and the repayments are contained within the terms and conditions.

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On the face of things, what they have produced could be seen as enforceable. However if it went to court you could bring them to 'Strict Proof' where they would have to produce the original agreement... not a microfilche copy.

 

If the T&Cs they have supplied do not pertain to the CCA at its inception then it makes the CCA unenforceable. Send Viking this & see what their response is;

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2009 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a mere application form which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain any of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required. Suffice to say none of the terms are present in the document

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable, it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

I trust this out lines the situation

Print name do not sign

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I recieved a letter on Monday from Viking stating that it was more than likely that since they can't get payment from me they would be passing back my account back to Santander cards who will probably take legal action. Is there anything I should do? Should I start to worry yet?

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No nothing at all to worry about, wait until the OC starts sending you correspondence then take it from there.

 

What they are saying, when you read between the lines, is that they have no evidence to legally extort money from you, so will off load this lemon back to the idiots that sold it...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks, Bazooka Boo. Is this what happens with most peoples debts? Debt Collector buy the debt from Original Creditor then the Debt Collector finds that they have no legal evidence to take money from people so they sell it back to the Original Creditor? How often does the Original Creditor persue legal action? Just thinking that if a Debt Collector has not got enough evidence then it's not very likley that the Original Creditor will have any more.

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How often does the Original Creditor pursue legal action? Just thinking that if a Debt Collector has not got enough evidence then it's not very likely that the Original Creditor will have any more.

 

What normally happens is the the OC will use their own in-house collection agency first, for instance if you ran up a debt with the Halifax:D then you can expect to get letters from Blair Oliver & Scott, which is an acronym for Bank Of Scotland. Hence Halifax using their own in-house DCA.

 

Then to off load these 'Bad' debts, they will sell them in 'bulk' to other DCA's for a knock down price, and has been reported, for as little as 6p in the pound!

This then frees up the OC from having this Bad debt around their necks, and the rest of the money they are still owed is paid for by their insurance, so they don't lose anything.

 

The DCA who has bought your £1000 debt for say £160 will tell you that you owe them £1000, but are able to offer you a once in a lifetime offer to pay the debt off and can reduce that amount to say £800, this is how these companies make their profits and a why they are able to remain in business.

 

So rest assured that asking for the CCA, and then being told by that DCA that they have sent your file back to the OC is clarification that they bought your debt in bulk and have not been given the full file on your account.

 

And if they 'close' their files, it is safe to say that there is no such agreement and it will go quiet for a while, until such time as the OC flogs it on again to another DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Today I recieved court papers. I'm not quite sure what to do. I know that I have to either deny or accept that I owe the debt. The problem I have is that YES I do owe the debt but I have no money in which to pay it with. If I accept that I owe the debt then I'll recieve a CCJ and I have no money to pay the CCJ. If I deny the debt then it's more than likely they can prove I owe them money and I'll still end up with a CCJ. I was never trying to get out of paying my debt. I just hit a bad financial patch and then things sarted to go down hill from there. I've tried talking to theese people and come to some sort of a payment arrangement but I'm not getting anywhere. Is there anyone who can give me some advice? Thanks so much. Nicola.

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Have you kept all correspondence relating to your payment proposals?

 

If you have stated to them that you will pay X amount per month/week and they have refused then, they will not have a leg to stand on in court, the judge will simply tell them that all they will get from now on is the amount you stated that you could afford, and if thats £1 a week, then tough on them.

 

Is it an SD you have received? If so you have 14 days in which to acknowledge it, and you can even do it online, so are able to take it right up to the 11th hour.

 

It's a shame you can't post it up for Cerbs to have a look at, does it refer to the document as a Statutory Demand?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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As far as I can tell, it's a Claim form and a response pack. I'm suppost to fill in one of the two forms. One is to deny the other to accept. From what I can tell they are real papers they have been stamped by the court and it has a reference number. It's not a statutory demand.

 

What I really would like to ask is can I be issued with a CCJ if I don't have a wage and I don't owne a home or car?

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I think I'll just fill in the form and say I accept the debt. I can't fill in the one to deny as I have no defence as Yes I do owe the debt. So I'll just fill it in and tell them I have no wages and I don't have any outgoings and see what happens from there as they are never going to get any money out of me I have none and I doubt I'll have any for the forseable future. They can't take what I have not got.

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Just read through your thread and can't see any reply re default notice? Have you had one? Also, an assignment? Does it refer to these docs in the court claim? If so, you need to see them.

I'm going through a similar case. I sent a CPR request to the solicitors who came back with ...'don't have in their possession, are in process of retrieving...etc'. Then go on to give me extra time...etc!!! Do NOT fall for this. They try to get a CCJ by default.

 

Please try to find the strength to defend yourself. You've nothing to lose. Ask to see all docs they refer to now and file an embarrassed defence in the meantime. Online is very straightforward. Then it's up to them to prove they have a legitimate claim.

Good luck!

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Yes, it might be wise to send them a CPR request, I understand that you admit you owe this money but I would still defend, as you really have nothing to lose, I owe circa 55K and even though I do know I owe that money, I will defend myself at every turn.

 

If you need expert help quickly, then you can always click on the Red triangle to get the site teams attention and help.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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