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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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American Express debt passed to SRJ - Income and Expenditure


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Hi All

 

I had an American Express debt passed to SRJ and had a payment arrangement in place.

 

A E have now passed that debt to another debt company vilcollections.

 

I am continuing to pay vilcollections

but they are saying that no payment arrgt was agreed with them

and i must supply an income and expenditure form which is very detailed.

 

They say my payment is a good will payment.

 

What are my obligations?

 

Many Thanks

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None, if an arangement was made with the original creditor then they must accept the situation.

Tell them so!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes. If an agreement was already in place, they must honor it. Ignore them and tell them that is how much they are going to get. Non negotiable.

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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http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

Have a read of the article in the link above. If a payment arrangement was in place when this new kid on the block took it on.. then they must accept what was in place. They simply cannot renege on the agreement, they purchase the debt with any encumbrances.

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now in amex forum.

 

can i just point out

that SRJ

 

and even more so

VILE collections

 

are very very much bottom feeders

 

and only real in lemon debts

 

how old is this card

does this debt show on your cra file [see below]

ever CCA'd them

ever sent an SAR to get all the statements and get reclaiming.!

 

its a pass the parcel debt me thinks

 

here you have a vit, this guy is coughing nicely...

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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I have sent them an email advising them of this, and stating that my payments are not goodwill payments, they are an ongoing payment arrangement. I do have a copy of my original credit agreement so i cant argue anything. However, I doubt they will take me to court for not supplying an I and E form!!

 

Watch this space for their reply!!

 

Many Thanks

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They cant take you to court simply for not supplying anI&E form. Mainly because it is not a legal requirement and only a court can order you to provide one. Of course, you can provide them one simply to make things a little easier in some cases, but theres no obligation on you to do so.

  • Confused 1

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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can you please answer the q's in post 8

 

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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Hi

 

Ive a copy of the credit agreemnt which i signed in 2005/2006 and i started the payment arrangement in 2007 i think. ive not checked my credit file(mosstly because its all bad!!) and ive never sent a SAR.

 

Vilcollections have said i must complete the i and e form as they have to review accounts on a regular basis.

 

I note that it is very detailed and asks for a lot of info- also about my partners income, dependants etc which i dont feel inclined to give.

 

any thoughts would be appreciaited.

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two words... bugger then off!

 

they have NO legal powers to demand ANYTHING.

 

i'd sar the OC and get your cra file.

 

fire a CCA to vile too

 

see if they have the agreement.

 

does this debt show?

 

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...
HiIve had several letters from vilcollections asking me to contact them, but ive ignored them!!Ive just carried on paying!!

 

why?

 

as post 13

 

and

 

post 8

 

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 years later...

Hi all

 

i have an old American express debt which was originally passed to srj

and i made a payments arrangement odf 10 per month but cant find the paperwork.

 

 

It thrn got passed to Vilcollections who said this was a goodwill gesture

and kept asking for an income and expenditure form.

 

 

I didnt provide this but continued to pay them.

 

 

This then got passed to firstsource llc

confirnmed by American express and have continued to pay them without problem.

 

i have had the signed credit agreement from American express.

 

How i have now received a letter from first source

stating that i have a payments arrangement with their office

but their records indicate that no confirmation letter has been sent.

 

They then state going forward if i establish a different payment arrangement

a payment arrangement confirmation letter will be sent to me.

 

they then apologise for the inconvenience.

 

It then states that American express will continue to register the status of my account

with the credit reference agencie

Its currently not listed on ghem at all!

 

i feel they are trying to get more money but this repayment is in line with my other creditors.

 

Any thoughts?

 

Many thanks

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old and new threads merged

 

 

have you ever sent vile a CCA request?

 

 

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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who too?

 

 

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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Cca request sent a couples ofcyesrs ago and they sent me a copy of my credit agreement.

 

Hi i sent it to American express and they sent it back. They assigned it to srj and wrote confirming this the same with Vilcollections and firstsource.

 

Dont know why its not on my credit file

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so on the DCA letters it states our client Amex?

 

 

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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assigned means sold

who on the vile col letter do they say is their client

 

 

and it wont be on your credit file

it was defaulted more than 6yrs ago

never to return

 

 

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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