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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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Australian Debt being chased in UK - Help?!


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Please can anyone help me? I lived in AustraliaFrom 2003-2007 whilst there I got myself into bad debt. I returned home to the UK and myrelationship broke down and I was diagnosed with depression. In short I failedto keep up with payments to my Australian Debt and have not contacted themsince.

They have now caught up with me and are calling my new place of work andbeing very aggressive.

Whilst on a call to a work colleague they mentionedmy young son and that they were calling my husbands place of work.

I am incredibly frightened as I have just started a new job and amworried what they will think.

I am scared for my Son and my husbands place ofwork. I fear this will make me ill and I dont know where to turn? I have nomeans of paying the money and I don’t want to speak to them as I am scared canyou help me please?

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You are under no obligation to speak to them let alone give them any information. If they continue to 'phone & they are an Oz DCA make a complaint to the ACCC http://www.accc.gov.au/content/index.phtml/itemId/142 and the ASIC http://www.asic.gov.au/asic/asic.nsf/byheadline/Contacting+us

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If they are an Oz collector you will have to use the Oz authorities to deal with them. If UK based a complaint should be made to the OFT via Trading Standards.

 

When was the last time you made payment on this debt & roughly how much is it?

 

Did you live in the NTs?

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How did they find you? Are your details listed on any social network sites like linkedin or facebook?

 

If they call again refuse to answer any security questions on security grounds :-)

 

This is a good thread to read as regards a dca contacting someone at work

http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK

 

In the case above the DCA was Credit Corp

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Thanks Guys!

I have just found my Passport and I left Australia in April 2006 therefore Ithink in one week the debt is SB?

If this is the case do you suggest that I tell them when they call as 6 years have passed without any payments or contact or willthey just stop calling?

I guess the question is when can you admit who you are and quote the law tothem?

The company is Credit Corp. And once again thanks for your help on this.

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I have just found my Passport and I left Australia in April 2006 therefore Ithink in one week the debt is SB?

 

The SB clock starts one month after the payment became due. So if you last made a payment in Feb 2006 it would be SB March 2012.

 

If this is the case do you suggest that I tell them when they call as 6 years have passed without any payments or contact or willthey just stop calling?

 

It would be best to ignore them until you are certain it's SB.

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:-(Well they have raised their game, calling work, asking for my boss, then calling my sisters boyfriends parents, this is beyond harrassment, they have also emailed me at work offering a reduced payment plan etc.

 

Do you know if I reply to the email am I acknowledging the debt? I also need to be ready to answere the phone tomorrow (they call in the mornings as Oz time) and am not sure what to say as I want to quote the law? Can I put a complanit into the ASIC even if I owe the money? Sorry...... Very distressed and embarrased now its getting me down :-(

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Thanks and yes I did, very useful, I am still not clear on whether I can lodge the complaint while I owe the money but as you say I can so I will do this ASAP.

 

I am worried that if I lodge the complaint then this tells Credit Corp who I am and that I acknowledge the Debt, is this the case?

 

I have also found a template letter to respond to chaser emails regarding the SB status of the debt would you suggest I send this - even though I cannot be sure if the SB applies or not although it will apply within 4 weeks!

 

Thanks - Again!

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if I lodge the complaint then this tells Credit Corp who I am and that I acknowledge the Debt, is this the case?

 

 

No, any acknowledment MUST be signed by you (Aus law).

 

 

Just deny and deny and put in ALL mails that you do not acknowledge the alleged debt. Also never sign anything. In the mean time you can reply to one of their emails telling them that you HAVE reported their collection activities to the ASIC and to the office of the privacy commissioner. Also that they have never had your permission to send emails to you. Also mention that you have put in complaints to the UK office of fair trading about their illegal activities in the UK as they do not hold a UK credit licence. Tell them you are about to file a dispute with the Australian financial ombudsman (that one costs them money) and you are going to request ALL information that CREDIT CORP hold on you, and you will be requesting a copy of their credit licence for the period of the alleged assignment. Even if you don't do anything they will know that you are going to fight back and do know your rights.

Credit Corp in my opinion are Australia's worst parasites and one of the worst offenders for breaking collection guidlines.

Take a look www.creditcorp.net.au/index.php and maybe ask the guy who runs it to take a look at your thread here. He is a great guy to have on your side.

 

Just remember if you fight back and fight hard they will soon leave you alone. DO NOT worry too much and remember their intimidation is intended to wear you down in the hope you admit to the debt or make a payment just to shut them up.

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Hi juat thought Id let you know that I send the complaint to ASIC and I responded to the email, I have recieved no calls at all today! Thanks again for all your kind support and assistance, Fingers crossed!

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Hi juat thought Id let you know that I send the complaint to ASIC and I responded to the email, I have recieved no calls at all today! Thanks again for all your kind support and assistance, Fingers crossed!

 

Your so close to being staute barred that they would try anything to get a responce from you and maybe a payment that would reset the clock. They might well call again so expect it, but now your well armed. :-)

Let us know how you get on.

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  • 1 month later...

Well just thought I would update you - All has been quiet since the above and today my husband and a work collegue get a call from a 'crystal' claiming to be an old friend asking very personal questions. They havnt called my phone since I sent the email and I have since complained to ASIC, I am now situe Barred and they keep calling? Is this normal?:razz:

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