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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.
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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.

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      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
        • Like

cabot finance paying since 2005 for an old citi credit card debt - help


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Hi Susanne exactly same as me I got letter saying 40 days etc then waited until 12 plus 2 was up then sent them the account in dispute letter off here then got another letter saying all activity was ceased etc please see my thread but basically I know they won't have a coca (mine old cities card from about 94) and I've paid them a fortune (about 4k) since 2010 so as far as I'm concerned now just gonna forget about them x see my thread

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thanks for that will wait until the 15 april then as thats when the 12+2 days are up then send other letter ive been in contact with citi and i know they have no record of me and they seached a long time lol ive only paid over the grand so thats not to bad

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nothing to stop you both demanding you money back

 

if it''ll work is another matter.

 

but don't just accept they CAN cash-cow and get away with it.

 

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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  • 5 months later...

im new to this site and not sure how it works,i had a barclaycard many years ago and took out ppi on it but failed to make updated payments due to unemployment.i then recieved a letter yesterday saying cabot have taken over the debt in 2005 but that was 8 years ago of no contact no payments.can any1 help me with where i stand.i was told after 6 years it was statured barred or something.i need help.alsothe credit card limit was 1000,now i owe 2300???

Edited by sazzlepea
forgotto add more info
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see the link below on how to start your own thread

 

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...

Hello,

I too have been paying Cabot off since 2005. I had forgotten all about my Barclays student account and Barclaycard when they contacted me about since it was over 5 years after I had last used them.

 

 

I had been homeless living on the street or living in sheltered accommodation for most of those years and had just got a bed-sit and was getting back on my feet when Cabot got in touch with me about them.

 

 

I used another credit card to pay off the Barclay card. I think it was less then a thousand pounds and Cabot gave me a small discount for paying it off quick.

 

 

The Barclays account was £2800 and is now down to £900 I pay them £20 a month. Cabot call every six months wanting to know about my situation in case I can pay them more and clear it off sooner.

 

 

Funny Cabot is not on my credit file nor is Barclays or Barclaycard which I suppose is because it is 15 years since I was with them.

 

 

Barclays is a dodgy bank I have since found out and have been fined billions for dodgy deals. I would steer clear of them everyone.

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Hello,

I too have been paying Cabot off since 2005. I had forgotten all about my Barclays student account and Barclaycard when they contacted me about since it was over 5 years after I had last used them.

 

 

I had been homeless living on the street or living in sheltered accommodation for most of those years and had just got a bed-sit and was getting back on my feet when Cabot got in touch with me about them.

 

 

I used another credit card to pay off the Barclay card. I think it was less then a thousand pounds and Cabot gave me a small discount for paying it off quick.

 

 

The Barclays account was £2800 and is now down to £900 I pay them £20 a month. Cabot call every six months wanting to know about my situation in case I can pay them more and clear it off sooner.

 

 

Funny Cabot is not on my credit file nor is Barclays or Barclaycard which I suppose is because it is 15 years since I was with them.

 

 

Barclays is a dodgy bank I have since found out and have been fined billions for dodgy deals. I would steer clear of them everyone.

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Hello,

I too have been paying Cabot off since 2005. I had forgotten all about my Barclays student account and Barclaycard when they contacted me about since it was over 5 years after I had last used them.

 

 

I had been homeless living on the street or living in sheltered accommodation for most of those years and had just got a bed-sit and was getting back on my feet when Cabot got in touch with me about them.

 

 

I used another credit card to pay off the Barclay card. I think it was less then a thousand pounds and Cabot gave me a small discount for paying it off quick.

 

 

The Barclays account was £2800 and is now down to £900 I pay them £20 a month. Cabot call every six months wanting to know about my situation in case I can pay them more and clear it off sooner.

 

 

Funny Cabot is not on my credit file nor is Barclays or Barclaycard which I suppose is because it is 15 years since I was with them.

 

 

Barclays is a dodgy bank I have since found out and have been fined billions for dodgy deals. I would steer clear of them everyone.

 

 

thread is numerous years old

 

 

you need to start a new thread

 

 

of your own

 

 

you wont get seen here

 

 

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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thread close to stop it being posted on

now

 

 

if you have an issue

 

 

start a new thread

 

 

of your own

 

 

dx

siteteam

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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Thread Locked

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If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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