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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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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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speed credit


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Hi There

Im just looking for some help on what my next steps should be regarding speed credit, i took out a loan and not long after lost my job im now on income support i live alone with my son and this is my only income, i contacted cccs who were very helpful and gave me template letter to send to the speed credit stating that id offer token payments and that could they consider freezing interest. i also sent a letter stating i cancelled CPA at my bank and that i was Cancelling it with them too at their end. I sent both these letters recorded delivery to the warwick address thats on their website, i have proof of delivery due to they were both signed for.

I have recieved emails off them stating that the loans overdue and needs paid for etc...

Yesterday i received a phone call of an unknown number which i did not answer and a msg was left my NDR saying i needed to contact them regarding my speed credit loan, at that point speed credit hadnt even informed me that it had been passed on to their debt collectors. But this morning i recieved the following email.

 

 

Ref ID:

14/07/2012

Ref Loan:

 

Sum outstanding GBP 354

 

 

We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on and you have made no effort to return these enquiries.

We have also warned you in advance of additional charges you have incurred.

As we make clear to all our customers our product is intended to be a short term financial solution. If the loan is extended this product can become expensive.

As we have not heard from you and not received payment we have been left with no alternative and are writing to advise you that this debt will be passed on to our Debt Collections Agency in the next 24 hours.

As per the terms of the contract between Speed Cr edit and yourself instructing the Debt Collections Team will add a further GBP 150 to the balance you owe. Debt recovery agents will call at the addresses we have on file for you until they are able to successfully collect the sums you owe. If our debt recovery agents, after a reasonable attempt at the addresses on file, cannot successfully recover the monies owed by you, we will issue a claim against you in the County Court for the outstanding balance plus the further charges and recovery costs that have been incurred.

You should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR) accessed by employers, insurers and banks and may result in:-

a) difficulties in obtaining future credit

b) difficulties in obtaining a mortgage

c) being questioned at a County Court as to your financial circumstances

d) any current employers be ing informed so an application against your earnings can be issued

e) difficulty in securing future employment due to an adverse credit history and credit score

f) a Warrant of Execution and bailiffs being instructed

We will apply for a County Court Judgement followed by a Warrant of Execution and a Bailiff order to seize goods from your addresses to be issued simultaneously to the County Court Judgement. This Warrant authorises Certificated Bailiffs to seize goods at the addresses held on file for you (including what may be your family home). These goods will be taken and put up for sale at public auction until the total amount you owe is satisfied.

The initial cost of issuing a County Court Judgement is GBP 45, this will be charged to your account on the date of issue.

The further court costs including solicitors time, application for a Warrant of Execution and the appointment of Bailiffs will also be added to what you owe.

 

As yo u can see this will ultimately cost you a great deal more if you do not deal with this matter now.

It will also cause you a great deal of difficulty for many years to come.

We strongly recommend that you settle this amount immediately to limit further costs, preserve your credit rating and your ability to gain full time employment.

Please immediately pay 354 by either:

 

1) Paying online by visiting. and clicking Pay Now;

or

2) Make a bank transfer for GBP 354 to:

Barclays Bank

Account number 93462382

Sort code 20-50-94

Ref: Use your mobile number (as a reference so we can match it correctly

 

ALSO please EMAIL us confirming that this has been done to stop the debt being passed to the Debt Collection Team and further charges being incurred.

 

If you ignore this and our debt recovery agency is instructed it will be a short matter of time before the CCJ is issued and Bailiffs are instructed to seize goods.

 

We look forward to hearing from you confirming a speedy resolution of this matter.

 

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

 

Regards

 

 

 

Speed Credit - LEGAL RECOVERY

t: 084 3381 3381

ïï€ Please consider the environment before you print this email.

__________________________________________________ ___________________

 

NOTICE

The views and opinions expressed in this email may not reflect the views and opinions of any member of Mobile Credit Online Capital Limited. The information contained in this message is confidential and may also be privileged. It is intended only for the addressee named above. The unauthorised use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee ( or responsible for delivery of the message to the addressee), please notify the originator immediately by return message and destroy the original message. This message and any attachments have been scanned for viruses prior to leaving our network. However, we do not guarantee the security of this message and will not be responsible for any damages arising as a result of any virus being passed on or arising from any alteration of this message by a third party. We may monitor emails sent to and from our network.

 

 

Theyve never texted me so thats a lie on their behalf, and its obviously already been passed over cos they rang me yesterday, and why would a debt collector come to my address shortly, its not like id let them in, these seem quite threatening to me, what should be my next step with them.

Sorry for the long post, thanks in advance for any help.

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Ignore them. SImply tell them youa re on income support. Get a quick letter from the jobcentre to prove it, and tell the PDL they are getting £1 a month. Also, this PDL is under investigation for breaking their credit license and a few other things. They seem to have become a lot more desperate lately, possibly because they could lose their license since theyve already had action taken against them before.

 

 

Should they try and take you to court, its a straightforward defence where you can show a judge proof you are on IS and that youve tried to contact the PDL but they ignored you. However, this PDL rarely goes to court, and when they actually do submit a claim, they run off when a defence is filed.

 

You also must file a full complaint with teh oft and trading standards, as they are posing as bailiffs which they are not. Keep that letter and show a judge it, if you ever go to court. If you need help with a letter to send these muppets to put them in their place, let me know. These are my favourite PDL to deal with.

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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SC only passes it to their inhouse DCA. Meaning its the same company, just a different trading name.

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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Aaahh right well there gonna get nothing but token payements out of me so they can send as many threaten emails as they like, when i read what the email said about how ive made no attempt to contact them i was so tempted to drop them an email saying " uve signed for recorded delivery mail which you've made no attempt to reply to'

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No harm in telling them that. Infact it strengthens you position as you have proof and youve asked them to check again.

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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Thank you it makes it so much easier sharing my problem and getting advice from people who have knowledge of how these companies work and what to expect, theres alot of kind hearted people here :-)

I sent them a email that said

 

"Regarding the email you sent yesterday that said i have made no effort to contact with regarding the outstanding debt, i have sent 2 letters to you regarding my current financial situation and included a budget form. these were sent recorded delivery mail which were both signed for which i have proof of. which you have made no effort to reply to, so may you please recheck your files.

Also on the email it stated you had sent me numberous texts which you have not, i havent recieved any texts off you"

 

I should of really included in that email that their email was a lie stating the debt was going to passed over in 24 hours when i had already received a call from NDR the day before.

Ive posted the revoke of visiting my home letter, so i guess its just a case of siiting back and waiting to see what their next move/threat is.

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just recieved the following email, and sugestions on how to reply since the seem to ignore any form of communication.

 

Thank you for your message passed to us from Speed Credit.

We are fully compliant with all necessary laws, legislation and the Office of Fair Trade (OFT) Guidelines.

Our company registration number is 6956396 and our Consumer Credit License Number is 631166 details of which can be verified on the Office of Fair Trade website.

Your current outstanding balance is £354.

On 24.07.12 you will incur the following charges:

£350 recovery fee

£10 missed fee

1 interest charge of £48

which will make your outstanding balance £762.

You must pay either

1) £354 by 23.07.12,

OR

2) £762 by 07.08.12.

If you have any questions please don\'t hesitate to call us on 0843 381 0843.

Failure to make either payment will result in your file being passed to a third party bailiff company who will commence proceedings against you in your local county court.

Yours sincerely,

COLLECTIONS (129)

NORTHERN DEBT RECOVERY

0843 381 0843

NOTICE: The contents of this e-mail are intended for the named addressee only.

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy

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Its the usual crap from them. Send it to the oft. Theres no way theyll ever get those charges to stand up on any sort of level.

 

Not to mention theyre trying to threaten you with bailiffs. Get it to the oft as its breaking multipe clauses of the guidance.

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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thanks will do, it seems funny that as a "debt collector" as they refer themselves as, that theres no way of even contacting them, the form on the website has an error msg, they have no email address and they dont post their postal address on their website.

Hows anyone ever getting intouch with these crooks?

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Thats how they operate. It's also a reason why you MUST get a complaint into the OFT, each and every time you recieve a letter like that. If you dont complain, then the OFT thinks the company is acting legally and with no issues.

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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Ive put in my complaint to OFT, lets hope the more ppl that do it gets them shut down. I yet again emailed speed credit asking for contact information for NDR, and their reply was NDR are a paperless office and someone from their office will call you.

How the heck are they a paperless office? surely that cant stand up right for them in court?

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Paperless office means inhouse DCA and they dont want repercussions if anyone is to question them. More evidence of them operating illegally. They can simply say " prove we are NDR. Good luck finding any documents!" Make sure you get the paperless office quote to the OFT.

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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CCA wont stop them. You need to write to them and revoke authorisation for them to debit the account. you then need to follow the procedure to cancel the CPA with your bank. If you have a new account but with the same banking group, its possible the bank will just give them the new info because you havent shown that you revoked transaction rights.

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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CCA wont stop them. You need to write to them and revoke authorisation for them to debit the account. you then need to follow the procedure to cancel the CPA with your bank. If you have a new account but with the same banking group, its possible the bank will just give them the new info because you havent shown that you revoked transaction rights.

I sent the cpa revoke and theyve chose to ignore it, the bank cancelled toothfairy taking anything out the bank does.NDR try to debt from that account or their own, my new account is with a totally different bank

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Who ignored it? The bank? Name and shame them.

 

If so, put it in writing and go to your nearest bank. By law ( FSA ruling 2009), they MUST cancel the CPA upon your instructions.

 

If they still refuse, then you must make formal complaints to the bank and FSA. If the bank doesnt adhere to the law within 8 weeks, contact the FOS.

 

 

Also, did you instruct them before the debit attempt? If so, should any money come out of your bank, the bank must put the money back and return the account to how it was before the transaction happened. This includes removal of any overdraft fees etc.

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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I sent the cpa revoke and theyve chose to ignore it, the bank cancelled toothfairy taking anything out the bank does.NDR try to debt from that account or their own, my new account is with a totally different bank

 

Which bank was your original bank with and who are you with now? A lot of banks are ran by the same banking group and share account 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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Which bank was your original bank with and who are you with now? A lot of banks are ran by the same banking group and share account details.

 

I think i didnt explain in the right way.... I cancell cpa with speed credit, halifax wouldnt cancel it first i had to threaten them with reporting them to FOS to get them to cancel it. So now its been passed on to NDR 2 days ago they said they were extending it to the 24 as a good will etc yet today ive recieved an email sayin their taking funds tonight, ive send off a cancel Cpa to the address i could find for ndr which their choosing to ignore, ive rang bank abd they said they cant cancel cpa for ndr cause they havent yet took any funds from my bank

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Yes, lloyds is in the same group as halifax.

 

http://www.lloydsbankinggroup.com/media1/our_brands2.asp

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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My new bank is lloyds tsb are they in the same group as halifax, new account has no overdraft so it wiuld bounce anyways

 

Not necessarily. If theres a CPA, halifax/lloyds have been known to create an unauthorised overdraft due to the PDL using a CPA, and the bank will charge you for it.

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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Not necessarily. If theres a CPA, halifax/lloyds have been known to create an unauthorised overdraft due to the PDL using a CPA, and the bank will charge you for it.

 

So if i instruct them that the £144 is unauthorised as i havent gave NDR my details will the bank have refund it?

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