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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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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Safeloans Ltd v me. Apparently


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Hello all and good evening.

 

I had an email in my spam folder to an email that they never had been given.

 

The email was sitting in my spam folder. I had a loan with these fools years ago in 2009 and as far as I was concerned thishad been settled. Three years later they come to me telling me I owe them over 500.00. The start of the email is Safeloans ltd v me. **** bags. I had not changed address so why did they leave it sooooo long to contact me? What are they up to?

 

Any advice most welcome.

 

Many thanks

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Hi, phillyg.

 

I've moved this thread to the PDL Forum.

 

Regards.

 

Scott.

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

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Is it the same as the account number you had with them?

 

You could write to them if your really worried but I would just ignore it.

 

Also does th email have any personal information on it, your details, account info?

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Send them the prove it letter from the library on this site. Dont chase it up.

 

Itsnup to them to get the correct info. Chances are theyre fishing for a cash cow.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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All they have said in the email is if i don't make a token payment of 20.00 they will issue court proceedings. They are giving me till the 26th may. They have also given two payment plan offers. Why would they leave it so late? Also why have they not sent letter previous to this to my home address?

 

The email also does not state any dates as to when the debt was from.

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I do not even know the account number that was used at the time so I would not even know. The bank I also used at the time had also been closed down. They will have a hard job to get anything from me as I have nothing to give. I am in receipt of dla and esa and everything is always tight already.

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Stop worrying and send them the prove if letter. As for your email, pdls are known for sharing your details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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OK I have had a chance to view my experian credit report and nothing makes any sense with the inputs from Safeloans.

 

There are six inputs on my credit file and it states that I had settled four of them in 2010 all on the same date!!!! There is another one that is states defaulted on 24/05/2010 and another that shows my account showing three payments late dated 27/08/2009.

 

Now here is the confusion.... All of the four previous are showing as settled and the date is exactly the same 18/10/2011 on all four. I never made any payments in 2011 as the last loan I had from them was in 2009.

 

The letter that I received from Safeloans states I owe roughly £520.00 and looking at the credit file it states I am in default by £446 and the three payments late showing states £303.00 which gives a total of £749.00.

 

Can anyone make any sense of this or am I just thick?

 

It looks as though they are cooking the books. The settled inputs on experian from them are dated after the default date!!! They are (Edit)

 

Any help please.

Edited by maroondevo52
Removed unsuitable wording.
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If you have multiple entries for the same debt, at the same time/date, give the CRA a call and they can investigate for you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hello all and good evening.

 

Just to let you know I decided to contact Safeloans Ltd so I sent a few emails over the last two days and stated I hold no acknowledgement of this debt and for all correspondence to cease.

 

I also wanted my credit file amended with Safeloans Ltd details.

 

I received an email today advising me as of immediate effect the alleged debt is to be wiped and experian have been contacted to clear the information from file.

 

Good day really.

 

Don't give up just persevere.

 

Good luck

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