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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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Me and Blemain


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Hi everybody,

 

starting a thread regarding Blemain finance,

 

took a loan out for £5k over 5 years secured on my house,

had problems keeping up repayments for reasons that Blemain were informed off.

 

Just managed to clear the loan and the arrears on the account but they have taken advantage of my unfortunate situation with crippling charges and legal costs.

 

I am now going to send a SAR and fight them if i can for the charges to be either cancelled or reduced if possible.

 

As it was a joint loan with my wife we have received in some months 5 letters each at £35 each making them a tidy £350p/m.

 

Update when I get more info.

 

Thank for reading

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Oh dear. Blemain made a mistake doing that to you!

 

Look forward to updates and of course you know you'll get help if you need it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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don't forget to reclaim them at compounded int rate

 

we have new spreadsheets now.

 

there is a very large thread on them here

 

everything you ever want to know is there

 

dx

 

 

ps welcome back

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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  • 1 month later...
Thx dx, found it, its big allright.

 

Oh no, Blemain up to their old tricks again! It sounds like you have incurred arrears charges, and yes they used to charge per letter and send you as many as possible to up the profits!!

 

While you are working on completing the spreadsheet, fire off an email to them at [email protected] and ask them to review the charges applied as you believe they have charged you unfairly. They will then have 8 weeks to respond to your complaint. That way you can go to FOS all the more quicker if you don't get what you think is fair!

 

My partner has had old fees wiped from his account by doing this and the recent SAR we received doesn't show anymore! I wish you luck!

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hi cheesed_off thanks for that, i will do exactly that, asked for statements and got a basic breakdown of what they say is now owed. The loan is paid off but there are outstanding interest and charges. Deep breath-----------COSTS AND CHARGES £6,799.53 and DEFAULT INTEREST AT £4,430.51 TOTAL settlement figure of £11,230.04

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    1. Read and understand these
    2. The final notices for CMCL, Moser and Lawton.

      Quote them to blemain when you complain about charges.

      [*]

      The only reason why CMCL got fined and the rest of the blamain group of companies didn’t, is that, the only company in the group that was regulated bythe FSA is CMCL.

      [*]

      So this is proof that what the blemain group of companies has been doing has been found to be unfair.

      [*]

      CMCL are part of the blemain group, the group all operate out of one building they all operatein the same way.

       

      Blemain will respond by saying that your agreement is with blemain and not with CMCL so this has nothing to do with your charges being fair or unfair.

      [*]

      Take no notice of what they say and tell them that if it is unfair for one of their companies to do something then you believe a court would find it is unfair in all circumstances.

       

      If you read and understand what is shown above then it will be quite easy to get your charges back,

       

      Wp3

       

Edited by welshperson3
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Hi Croydon boy

 

If blemain were to take you to court, then you would put in a defence and use the above as evidence.

 

Second option is that you start a court claim and use this as evidence.

 

 

 

I would not recommend anyone start a court claim until they fully understand the proses, and what they are about to do.

 

Wp3

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  • 6 months later...

Any news bigmac?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 weeks later...

Hi all,

it has been a while since i updated and this is because they do take a while to respond.

 

I eventually complained to Blemain for the level and amount of charges applied to the account

and they gave a final reply in Dec past by saying we will remove £800 from the total!

I wrote back saying this was not acceptable and their reply was the same.

 

My wife then contacted the FOS and gave them a brief explanation of what had been going on

and they said they would investigate our complaint further,

this was around 3 weeks ago so

 

all was quiet until this morning when we received court papers to appear and fight a repossession order next month!!!

 

My wife contacted Blemain and informed them that our complaint was now in the hands of the FOS

and that she would be notifying them of the impending court action.

 

She contacted FOS who then immediately spoke with Blemain and got back to her saying the court case was to be Postponed.

 

My wife wasn't too sure with this being told over the phone so called the court to confirm

and found the court didn't know anything about the case being postponed.

 

She again contacted Blemain and explained we were not happy that a court case was raised whilst our complaint was in the hands of the FOS

and for them to then try to request the case to be sisted was not something we were happy about

and if it was not dropped then we would appear on the day in question to object to that.

 

Long and short of it all is the case is to go to court and they will ask for it to be sisted.

 

Interesting to note that after Blemain were contacted by the FOS their interest in our complaint almost seemed genuine

and they have asked to be allowed another look at the complaint before the FOS deals with it.

 

WP3, Going to start reading up on that.

Edited by Bigmac versus
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how about adding some line breaks?

 

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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:lol:

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 bigmac :-D

 

Sorry to hear you're still having problems.

 

If you haven't already considered it you might like to research if your mortgage was missold for example due, for example due to self certification or not checking affordability.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro,

interesting point as the original amount borrowed also included a payment they made direct to my mortgage arrears of over £1100

so hardly checked affordability,

 

was all rushed through Ocean Finance who were the broker in this loan.

 

Broker fees and loan arrangement fees, title fees, you name it they charged it.

 

I spoke with blemain today (head of complaints) and asked why now they wanted to have another look at our complaint was it because we had contacted the FOS.

 

The reply was that in Oct 2008 changes through the CCA meant handling of charges were changed and any charges prior to that date may be removed.

 

I did touch on the final ruling that WP3 was talking about and their reply was that it has no bearing on this account (as expected)

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Don’t believe what blemain are telling you about them asking for the case to be stayed on the day of court.

 

What blemain will do is to send a solicitor to court with orders to ask for possession of your home.

 

Get yourself ready to deal with a possession hearing

 

 

 

Read up on putting someone to strict prof send blemain and the court a letter saying you dispute the amount claimed and you are putting the claimant to strict prof on what they are claiming.

 

wp3

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Hi WP3 I am bigmac's wife. Thanks for your reply. I was concerned that what you have just said would be the case, so I asked for a letter confirming this was their intention to be emailed to me. I have that stating that their intention is to request a sist until after the complaint with FOS is concluded.

 

I have also telephoned their solicitor and confirmed that they have been instructed by Blemain to sist, which they do not usually do, as they receive instruction the day before.

 

Should I still be suspicious even though i have a letter stating they will sist?

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Hi WP3 I am bigmac's wife. Thanks for your reply. I was concerned that what you have just said would be the case, so I asked for a letter confirming this was their intention to be emailed to me. I have that stating that their intention is to request a sist until after the complaint with FOS is concluded.

 

I have also telephoned their solicitor and confirmed that they have been instructed by Blemain to sist, which they do not usually do, as they receive instruction the day before.

 

Should I still be suspicious even though i have a letter stating they will sist?

 

 

Absolutely you should be suspicious unless you hear directly from the court that it's been sist, As WP3 says, be prepared for a possession hearing.

 

 

Regarding misselling, there's info here. http://www.which.co.uk/consumer-rights/problem/i-think-ive-been-mis-sold-my-mortgage-what-can-i-do

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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