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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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How much was my debt sold on for?


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Is there any way I can find out how much my debt was sold on for?. The reason I am asking is that I made a full and final settlement offer to Barclaycard early this year of 20% of the debt, they refused the offer and said the least they could accept was 50%, I could not go to this as I have to offer all my creditors the same percentage which most have now accepted.

 

I have just received a letter telling me that the debt has now been transferred to IDR Finance UK Ltd. I think it is important to know how much our debts are sold on for, as if they are around or below the offers that we have made, then it is not correct to pass the debt on at the same value only to cause more upset down the line, that is my opinion anyway, it should not be allowed if the debtor has tried to negotiate a settlement figure for the debt to then be sold on to a third party for the same sum or less.

 

I have also requested and never received a True Copy of the agreement, only the application form dated 1997. This debt has been with Mercers (I understand they are Barclays inhouse monkeys), and also passed to Power2contact for a short while. I have been informed by Barclays that my offer of 1.00 per month will stand for the next six months, after which IDR will negotiate a new payment plan. I have been out of work now for 18 months, after working for 39 years, and have applied for over two thousand jobs with no luck to date., and really need to know what I am up against with IDR and if it is best to just sit tight for six months and pay the pound, any advice would be really appreciated.

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Hi gem

 

I don't think you will be able to get the information you seek, but you might be able to offer a lower amount to whoever bought the debt, it might work out in your

favour, but be very careful how you word any F & F Settlement.

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Thanks for your reply. Yes I will be careful, I have not settled with any that have not put in writing that they will write the balance off and not pass to a third party etc, I also have True Call, so have recorded anything verbal as well.

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Any charges on the account, Gem ?

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, for a while they added a twelve pound charge ofr not paying the minimum amount, and continued to add interest for a while, this has all now been frozen, and I note tha the balance has been reduced over the last four months by four pounds. Thankyou foryour reply.

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You can re-claim any £12 charges with Interest.

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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For what it is worth, I read on here about 18 months ago when Barclaycard sold my debt to another DCA, that the going rate was 10p in the £pound. I am still saying to them that I will pay, at most, double that which I believe they paid.I STRESS THAT THIS IS HEARSAY, but given that I was offered a 50% discount within 3 months of the sale, I consider it to be fairly near the mark.If you have a repayment plan in place that costs you £1.00 per month, stick with it. Don't be bullied into paying more if you cannot afford it. At worst, a court would uphold your agreement, IF THAT WAS TRULY ALL YOU COULD AFFPORD.15 months after I started to repay my debts, I fould that I couldn't continue at the current rate. I simply wrote and told everyone the facts with a current budget statement, and reduced the standing orders - no-one stuck out against me.A golden rule NEVER PAY BY DIRECT DEBIT - it puts them in control, not you. PAY BY STANDING ORDER - you choose what to pay and when.All of this I have learned in my two years on this site, but each case is slightly different. I wish you well.LSP

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Hi Luckysandpiper (hope you are sending me one) thankyou for your reply. I have managed to negotiate with four of my creditors, Egg snapped my hand off for 20%, MBNA agreed to slightly more, but on a debt of 14K I settled with 4K, the others were also within my budget. I really would like to get the last few sorted as it has been a bad couple of years for me so far and would be good to at least say I have achieved something worthwhile out of it all, to be debt free by the year end was my intention, 60k of debt now down to 20k, so getting there and all thanks to this site and all the amazing people willing to give their time and advice I have learnt so much on here.

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Hi Moroondevo52, How do I go about reclaiming the 12.00 charges?.

 

If you do not have all your statements, send a Subject Access Request to Barclaycard, this will cost you £10 (Postal Order), send it recorded.

When you calculate the charges applied to your account you then send a Prelim letter asking for these charges back.

If after 14 days they have not complied with your request you then send them a Letter Before Action telling them you will be taking the matter to court.

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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