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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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    • 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  
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Moorcroft chasing Lloyds loan now sold to 1st credit


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Since April last year I have been on repayment plan for loan - paying £50 a month rather than £300 and £50 a month drawing down an od. Not missed a beat then out of the blue letter and phone call from Moorcroft. Loan plan was not due to finish til Feb next year.

 

any advice please - Moorcroft pressed for higher repayments on phone -said no and would not deal with them on phone. Had no communication from LTSB this ws about to happen.

 

intend (to fight ):mad2:

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On letter gives a Mooorrap reference and a client reference - then opens "we hve been instructed by Lloyds TSB Bank plc - then is bog standard - like another I have seen on this site

 

thanks for quick reply

 

Intend

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Update - now had letter from Moorcroft asking for £50 per month with Standing order form attached.

Still no notification from LTSB they have subbed it out.

 

Does this mean LTSb have sold the debt??

Should I still ignore them, should I contact LTSb for clarification??

 

Should I still pay £50 to LTSB as per our agreement?

Def not speking to Moorcroft.

 

Intend

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Just had third letter from Moorcroft - acknowledged recent payment of £50 "made direct to our client". Letter states they "are now responsible for administrtation of your account" and asking for immediate contact with an offer of repayment. Had no notification from LTSB they would not honour the agreement we had.

 

Any advice welcome - should I complain to LTSB they have ended the agreement wiyh no valid reason? Can still pay the original sum but inclined to ignore Moorcroft and deal with LTSB - worth sendin g for CCA and a SAR??

 

should I have this thread in the debt section?

 

Cheers - Intend

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  • 1 month later...

Have been trying to sort out son-in-laws fianaces

- deep in debt to LTSB - loan, od and cc,

 

much due to keeping roof over his head after his mother was seriously ill and his dad looked after her.

 

Has only come to light after married.

 

Since April have reduced his OD and should clear it this month with refund of charges from CrapOne.

 

Have been paying reduced loan payments - agreement due to end in Feb,

then out of blue letters from Moorcroft

 

- first at beginning of Nov.

 

Have ignored them and carried on paying LTSB the money £50, by cash each month.

 

Then get letter of acknowledgement from MC quoting "our client"

 

Having read lots of threads I am looking for advice

 

Think loan might have PPI - so need to CCA or SAR?

- inclined to do both as think lots of charges on his Credit Card.

 

Should I write to LTSB with offer of new repayment - would keep at £50 (about 20% of total monthly payment)

- stating a good offer in view of increases in VAT and energy cost.

 

Did send an I&E statement in April which showed nothing left for debts.

- feel they will ignore this as they did with my OD letter.

 

Sould I send a prove it letter to Moorcroft??

 

Thanks in advance

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What are Moorcr@p demanding in their letters?

 

That you pay them instead of Lloyds, or are they purporting a different alleged debt to someone else?

 

If you have been paying the bank direct and they have sprung up demanding payment for the same debt that is being paid,

then ignore the fools and enter into Lloyds complaints procedure with a view to exhausting it fully and escalating your complaint to the FSA.

http://www.lloydstsb.com/contact_us/complaints_procedure.asp

 

A CCA for the loan would throw up whether there was any PPI on it or not,

if there is and they do not pay out,

then reclaim it,

but expect to wait a long time for it,

as they are deliberately stalling the process on PPI reclaims.

 

If Lloyds are happy to receive the offer of £50 a month then I would let sleeping dogs lie until they raise the question.

 

It all depends on what Moorcr@p are demanding as to whether you should enter letter tennis with them.

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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Lloyds tried to set Moorcroft on me over my loan......I CCA'd them and they wrote back saying that their client couldn't supply an agreement and handed it back to Lloyds.

 

So I would CCA Moorcroft and SAR Lloyds as this would cover the CC, Loan and OD so you should see all the charges, PPI etc.

 

You'll get Wescots or AIC next!!!

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Thanks BB for reply

- Moorcap first letter stated "been instructed by LTSB"

- with usual pay in full or telephone with payment offer,

 

subsequent letter confirming prepared to accept £50 with Bankers Order form

- I have ignored this, still paid LTSB nd then got letters advising receipt of £50 paid direct to "our client".

 

assume LTSB have just subbed this out and not sold.

Will do as you advised and go throu' complaints procedure - had some success last year with bank charges being refunded!! so happy to do this.

 

Will continue with the £50 til LTSB start writing and ignore Moorcrap.

 

8Will CCA LTSB - in it for the long haul - seen the excellent advice on this site.

 

Hi Tartan Barty - definitley worth the £10 to SAR and find out all the rip-off charges applied. Thanks

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Plea for information - hopefully OD with LTSB will be cleared next week - courtesy of CrapOne refund. As have lon and CC with LTSB, I would like to close the current account to avoid any dangers of set-off.

 

Should this be straight forward or would LTSb fight to keep the ccount open so they could set-off in the future??

 

Cheers Intend

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If he still banks with Lloyd's then he needs to open a separate bank account with one that isn't in the same banking group as Lloyd's, and make that complaint to Lloyd's using their complaints procedure..

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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Cheers BB

 

Thanks to this site - got him a parachute account early doors and now manage the debt effectively and have stopped LTSB evil charges to his current account - even managed to get about £500 wiped off by using complaints procedure via office of Mr Daniels. Note is is about to collect £2m bonus plus £2m in shares - wish we could cash in from our bank.

 

Will use compalints procedure and see what happens

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CCA request going off to Moorcroft tomorrow.

 

About to write complaint letter to LTSB

- one copy via complaints and one to the Executuve office

- used this second route to get some current account charges refunded.

 

Then intend to SAR for all his details

- should be worth the tenner

- can anybody help with an address for the SAR

- assume the template in library.

 

Cheers - Intend

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No idea where you would address it to sorry, maybe you could ring them and ask? Or go into a local branch and ask?

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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Cheers BB - trawled site and now have an address for SAR and CC if I decide to CCA on it.

Will keep everone posted

 

CCA requests send recorded delivery today - will keep eye on when signed for and then work out the 12+2 date

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should I have this thread in the debt section?

 

 

Agree, thread moved.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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