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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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Leaving DMP to continue on own


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Just want to clarify a few things for a family member. They have been with CCCS for about 3 years now all creditors accepting the payments and interest frozen

 

They now need to go it alone and leave cccs because an overdraft was taken out on the joint account and they will no longer administrate the dmp unless said family member closes all accounts with this bank which includes their mortgage etc obviously this cant happen.

 

 

Anyway, they are panicking quite understandably, but I have said get all the details from the creditors and offer to continue to make the same payments that were on the dmp plan and see what happens.

 

Now my only worry for this is they have a house with a mortgage, on the upside they retire this year and will be able to pay off all debts then so I'm hoping if any creditor gets funny they can use this to help get it sorted. Is there anything Im missing? or should be doing?

 

Any advice welcome

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There is no reason why your family member cant go it alone. They would still be paying the same amounts as with CCCS.

 

I think it is a bit strange that CCCS are insisting that they close their mortgage account !!:noidea:

 

If you want to know more about Debt management, have a look at Sequenci's Debt blogs the link is in my signature :)

 

HTH

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I agree that there is no reason whatosever why the can't go it alone without the third party, however once your friends retire and are in a position to pay off the debts, I would be very tempted to offer them greatly reduced final settlements.

 

It is highly unlikely that court action will be raised in the interm period as payments are being made.

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unless said family member closes all accounts with this bank which includes their mortgage etc obviously this cant happen.

 

 

The CCCS have made a mistake there, the mortage is its own seperate entity and has no bearing on the other accounts. They should have never said that the mortgage account needs to be closed too!

 

Having said, we can certainly help and support with self-negotiations

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When i left the cccs to do my own DMP i never told anyone that i left them i just have standing orders to each creditor and they havent said a word about it and still most intrest frozen. Whatever you decide to do i would defientely think of doing your own dmp as a positive rather than a negative!

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Sorry the other thing i was going to say is that i am sure their is a cccs rep on this site and maybe he could look into this matter for you to make sure the information you had from the cccs agent was correct Not sure where you will find him though sorry.

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thanks all for the replies, Will forward the advice

 

Crocdoc, I did advise offering lower final amounts because also most debts have been sold now anyway to DCA's so deffinately will be looking at that.

 

Baz1986 I did wonder if it would be an idea to just continue the payments, for instance APEX have just given the details to them of how to pay, no mention of cccs even though they are the ones who have been administering the payments so shall try that first.

The only issue he has is that as the debts are sold now he doesnt have their bankers details to start making immediate payments so will have to get the details.

 

Citizen B will have a nose at the blog thanks :wink:

 

 

Thanks again for the help everyone :)

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It makes absolute sense for you to do as Baz did and just continue as though you were still with CCCS. I don't think you have any obligation to tell them you're now managing it yourself, though obviously you need to tell CCCS. It will inevitably gradually come to light with the passage of time, but tis should not affect the repayments.

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Yeah i pay my original creditors at the moment and was easy to get there details as they put them on statements etc to set up standard orders, But i do believe that by a lot of searching and when contacting the people it has been sold to asking for details without giving your personal details could be worth a go!! And yes your right even knowing the cccs is payed for my the creditors in theory they have no obligationa or right to tell them they have stopped using the cccs!!

 

I would say to ensure you keep to the payments agreed other wise suspision starts to arise and if they were to find out in future the proof will be that you have payed every month and what diff does it make whether the cccs pay or you pay? your still in financial hardship either way!!

 

Baz

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