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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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Hfo capital limited


tony c
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hi all bit of a newbie so please bare with me my girlfriend has debts with barclaycard who then sold the debt to hfo capital ltd they have been in touch with us and are takin us to court, because my girlfriend has just sold her house we had money in 2 seperate accounts one was a savings the other was every day use.

we have paid off other creditors inc lloyds tsb, the black horse and the woolwich. HFO in there infinite wisdom went to court and froze our accounts the total being 18000 in total. we phoned hfo and tried to arrange a payment plan of 7000,9000,10,000 11000 12000 all which were refused these lump sums were to be bonded with a payment of 150 pound a month until said debt was cleared.the interim hearing ia scheduled for the 15th nov, just basically need anyones input on what to do thanks

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You will get help - don't worry about that. If you can prepare some more details for us - letters received, court docs received etc Any thing that you can scan in with personal details removed?

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yes more info needed.

have you got the wording from the court order/directions ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This doesn't sound right, HFO cannot freeze your bank account jut by going to court, you obviously did not defend this.... you also state there is an interim hearing on the 15th, what are the particulars of claim which led up to this hearing... thi can and should be defended.

we went to our bank on the 18th oct to transfer money from the savings this we couldnt do as they were frozen we spoke to the bank manager who informed us they had been supeoned by hfo and wandswoth county court to freeze our assets we recieved a letter yesterday from hfo stating the above r.e the assets the bank could not inform us as they would be commiting an offence.

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we went to our bank on the 18th oct to transfer money from the savings this we couldnt do as they were frozen we spoke to the bank manager who informed us they had been supeoned by hfo and wandswoth county court to freeze our assets we recieved a letter yesterday from hfo stating the above r.e the assets the bank could not inform us as they would be commiting an offence.

also i have read on here that hfo capital ltd are based offshore in the cayman isles as these are the people taking us to court NOT hfo services ltd are they entitled to do this ?

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Have you received anything at all from Wandsworth court or have you contacted them? You mentioned an Interim hearing in November?

got a letter on the 21st oct stating the interim hearing on the 15 nov then the proper hearing on the 26th nov i dont think it came from wandsworth cc directly it was from turnball and rutherford the solicitors for hfo but it has a wandsworth county court stamp on it

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Have you contacted the court? If not, you need to first thing on Monday. What other correspondence have you received?
we faxed and wrote to the court manager on wed 20th stating our concerns and worries no reply yet, as i stated on my first post about the sums we offered hfo when we found out all this was happening does anyone think a judge will take these into consideration its not as if we are ignoring the debt, this companty appears not to give a rats about anything my partner is 12 wks pregnant we have to vacate our property we have just sold in the coming weeks and by offering hfo a payment scheme we thought they would oblige, how wrong can you be !!!!!
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Hi Tony

 

If you are unsure about how to upload and remove your personal details - follow the link at the end of this message for a video tutorial.

 

To be able to give you specific detailed advice to your case - rather than just vague, general advice - we need to see the documents you have.

 

http://www.consumeractiongroup.co.uk/forum/content.php?115-How-to-open-a-PhotoBucket-account-and-use-it-to-post-pictures-on-the-Consumer-Action-Group

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This company are only interested in money, correct. The courts are actually there to protect you and your interests which many people forgot. You must ring them as they are often slow at dealing with letters.

 

Please start from the begining again. How much is the debt and how old is it. When was the last payment to BC?

 

Can you list the correspondence received from HFO?

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Considering what HFO pay for these alleged debts, I think your offer was very generous, must be a very large amount they think you owe. I do not know how they can freeze your account.

 

I would do a data SAR to Barclaycard and find out who the account was sold to.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I do not know how they can freeze your account.

 

They have threatened to do this to a few people but this is the first time someone has reported them as actually doing it!

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This company are only interested in money, correct. The courts are actually there to protect you and your interests which many people forgot. You must ring them as they are often slow at dealing with letters.

 

Please start from the begining again. How much is the debt and how old is it. When was the last payment to BC?

 

Can you list the correspondence received from HFO?

17976 pound the last my partner heard from bc was 4yrs ago when she was offering them 50 pound a month her circumstances changed and she fell behind again but rang bc offering 25 a month but they did not send her any documentation for direct debits or standing orders, so i suppose is just extinguished it self until 2wks ago when the house sale went thru, we phoned bc when we found out about the debt to hfo but they very natter of factly said it had been sold to hfo thats when the communication started between them and our selves. i cant scan no paperwork as i have just read that i have to post more than 20 posts to do this .

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They have threatened to do this to a few people but this is the first time someone has reported them as actually doing it!

 

Did they know the funds were in there?

 

Think they are on very dodgey ground if this one turns out like the rest - with very big amounts of money you can get loads of porridge - though i can not advise on brand names :-)

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