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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Anyone know anything about Car Cash Point Ltd


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Hi I stupidly took out a log book loan with this company in June.

 

Unfortunately due to my financial situation have recently fallen behind in my payments by approx £900 (the original loan was £4500)

I have been in regular contact with them via e mail & asked if they could change my weekly repayments & let me pay off the arrears £100 per month

but they would only reduce it by £10 a week which didn't help much.

 

I have now been told that the matter has been sent to there DCA company.

 

I have emailed them to say I can pay some of it on the 20th Dec & asked for a final settlement figure.

 

I received an e mail this evening to say unless I pay tonight they can no longer help me & gave no settlement figure.

 

I'm really worried as I can't work without my car and therfore could lose everything also my husband doesn't know about the loan and would hit the roof.

 

What should I do next?

 

will the DCA company let me come to an arrangement or will they just turn up & take my car?

 

help & advice would be very much appreciated as I'm not sure what to do next.

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Hi and welcome to CAG.

 

Not my ball game unfortunately but I will flag this up to the team and see if someone can help.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi thanks for the info

I haven't had a chance to go through it properly yet but I will tomorrow.

 

They have sent me a settlement figure which includes a £300 from them a £310 fee from a company called burlingtons & a £60 storage fee!!

 

Over £5000 in all

 

has anyone dealt with burlingtons?

 

I have asked car cash point to give me until tues to pay the arrears

 

they refused I also e mailed burlingtons asking what the procedure was once instructed.

 

I am so so stressed & worried that they will just arrive & take the car at any time.

 

Please help the more info I have the better thanks

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Hi I posted on here over the weekend as I was about to lose my car through a log book loan with Car Cash Point.

I had got myself into some financial problems & had arrears over £800.

 

I had been in contact with them via e mail but was too scared to phone them face to face especially after reading all the horror stories about other log book loan companies.

 

However Mr Paul Hilburn contacted me this morning & couldn't have been more helpful.

 

I was very stressed & quite upset about the very stupid situation I had got myself in & didn't know which way to turn.

 

At the end of the day I had borrowed the money & they were perfectly within their rights to take the car,

however Paul was amazing & they have put together a new repayment plan for me which is now affordable.

 

All I can say is not all log book loan companies are the same & they definately deserve their number 1 title.

 

They were very understanding and I just wished I had contacted them earlier.

 

I can now look forward to a very merry Christmas

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thats good news

 

i sincerely hope you are not however going to pay any unlawful late charges etc

there is no legal remit to allow these to be levied

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

I posted on here last week regarding a problem i was having with Car Cash Point (cant find it now), but i just want to update the situation.

 

The next day i got to speak to Paul Hilden of CCP and explained to him what was going on. He said he would look into it and try and find out if there was anyway he could help.

 

Within an hour Paul rang me back and proposed a solution that was very much acceptable to me and due the misunderstanding made a reasonable concession on my account.

 

The moral of the story is, although CCP are a company out to make money..................if you do fall into financial difficulties, speak to Paul before panicking. Like most companies if they can help, they will.

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Worries me when people take out Logbook Loans. These guys are in the business of ripping people off, I've studied this kind of loan fairly extensively recently and its clear that 99% of them are very unforgiving when it comes to trying to help you get out of the debt because at the end of the day, they have your car as leverage. Just take a look on Google for all the lawsuits filed against Logbook Loan companies recently.

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  • 5 months later...
  • 4 years later...

yes the staff are nice when you take out the loan

promise you the world

paul is nice at 1st then as soon as you want anything its a no or unlawful charges

avoid at all cost if you can

 

took a 6000 loan after paying 10 months i decided to pay the loan off managed to get another loan to pay them

 

i got a loan with 1500 intrest ontop yes high but mutch better off paying 7158.46 and get rid off them

I paid 480 a month for a 6000 loan

i paid this for 10 months i asked for settlement figure

 

and after paying them 5700 in total the loan only went down to £5,658.46 for loan of 6000

so thats 341.54 off the loan and 5659 to them in intrest

 

avoid at all cost

 

very easy to get loan THINK THINK THINK before taking it

 

once you accept it unless you can pay it back very fast intrest is stupid no way out i would of paid back £28800.00 over the period of the loan

 

also if you are in the position to settle and get these robbers off your back

 

BEWARE BEWARE BEWRE early settlement charge in small print 480 if you decide to settle early

 

and once you decide to settle and say good riddens

they are not happy and VERY VERY RUDE total different from the start.

 

my advise to anyone thinking of getting a loan

before taking out this option shop around there are lots of other companies better than them

 

also check the reviews on other site then you get to see the real carcashpoint reviews

 

and they delete bad reviews

 

p.s AVOID on all occasions!!!!!!!

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