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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Kensington SPO ***Resolved***


markez78uk
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thanks spudzulu - means the world mate

Eviction letter is getting put up in my garage to remind me that the fight was nearly lost - but we got there in the end

and now I'm in a much better paid job - all payments will be made

priority priority - kennys wont have the last laugh - I will and that's a promise

now to try and get my credit file sorted - so I can move away from these in the next 2- 3 years

 

Again thx

Mark

 

It's simple to avoid being in this situation again, never miss a payment, never talk yourself into "oh it will be OK this month..." because it won't. Mate I've been there and it got to the point where it was damaging my health that we just handed the keys back.

 

Just look after yourself, don't go off on any crusade for a while about charges. Just flipping chill out and get into a good space. You need a period of normality, trust me normal is good and often under rated.

 

Spud

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oh my days

Kenny have sent a new letter today stating new cmi next month will be rising again from £592 to £612

so the cmi was £540 in may

£544 in june after the fca re address it shot up to £589 end of june

then £592 july ,august September

Now October payment will be £612

 

extra £52 a month within 5 months :(

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I told you Markez about this Business model and I attach here a chart I drew up about the Swift Advances rates which are based upon the Libor rate or so they said when it was convenient, but changed it in court to suit themselves and introduced ' financing costs' too when asked why they raised rates rather than reduce them when the Libor and Bank of England rates went down. Punters never saw a rate decrease throughout their loan term and as Kenny's business model is the same, yours won't either.

 

You can see the initial Swift rate for a loan was 13.44 in the yellow column on the right against a Libor rate on the left of 4.75 back in Feb 2006. I have nothing against the mark-up, that's what business is all about and they make their profits on the mark-up, but follow the headings down and watch as the Libor rates and the Bank of England rates tumble, yet the Swift margin increases as they fail to reduce rates to customers.

 

Their margin (Profit) goes from an initial 8.62% to a whopping 15.5% + when everyone in the country is struggling at that time from the banking crashes.

 

That's why you won't see these kinds of companies giving you a penny unless forced to do so.

 

Hope that helps? (It probably won't, but it helps understand what makes them tick!)

Swift Advances rates Libor & Bof E comparison.pdf

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Disgusting !! - they should be jailed - the whole lot of the sub prime lenders - all in one jail where we can keep an eye on them !! I've been helping to fight them for years on this forum and they're nothing but a blight on the country. How does lending people money then engineering them to fail so they can repossess be a fair practice, it's just peddling misery !

 

 

(rant over - for the time being)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Disgusting !! - they should be jailed - the whole lot of the sub prime lenders - all in one jail where we can keep an eye on them !! I've been helping to fight them for years on this forum and they're nothing but a blight on the country. How does lending people money then engineering them to fail so they can repossess be a fair practice, it's just peddling misery !

 

 

(rant over - for the time being)

 

Very true, however my family and I will be forever in debt to you. I will never be able to thank you for what you did. Sorry to hijack your thread Mark.

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Swift went on the rampage using this business model repossessing thousands and thousands of people's homes right across the Country. Northern Ireland was particularly badly hit. The minute a customer got into arrears the profit machine kicked-in charging for letters, default notices late payment fees and anything else they could add to the capital balance.

 

One particular gripe I have, and this applies not just to Swift but to most lenders including the High Street lenders and that is the procedures, or lack of them, in place to stop the debt spiraling out of control.

 

Rarely, when charges are being applied at the time of what they'd like to term as the 'offence' did the debtor get informed they might like to pay the 'fine or charge' off so as not to attract further interest over the term of the loan.

 

With 1st mortgages (1st Charge that is, not your first mortgage ever), a mortgage statement is issued generally once a year in January meaning that any charges which had been applied say the January before, the cost of the penalty for want of a word, had been applied to the capital balance for almost a year before the customer was informed or aware of the charge and that charge had attracted interest for that year. Many had that with Second charge loans too and this makes a hefty profit for these companies. It is my belief that any charge being applied to a loan of any kind should be preceded by a letter stating the charge will attract interest and should the customer wish to pay it, the interest would not make their debt situation worse.

 

To me that's common courtesy, to them it's profit so keep stum!

 

I agree with you Elle-nn the sub-prime market should be exterminated, regulators are no use, we had the OFT overseeing the likes of Swift and they were as much use as a chocolate kettle and the unregulated loans (over 25k back then) were like giving them a blank cheque.

 

Try get them out of your life Markez, you'll be a happier man for it!

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This guidance note from the FCA may be of interest: https://www.fca.org.uk/publication/finalised-guidance/fg17-04.pdf

 

Although published in April 2017, I suspect that some within the industry are ignoring the FCA guidance and including arrears in their CMI calculations.

PLEASE HELP US TO KEEP THIS SITE RUNNING

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No... you can't eat my brain just yet. I need it a little while longer.

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too right they are!!

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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The FCA 'Guidelines' are often stated as just being guidelines by these companies, not the law, happened with the OFT back then too. I have had many dealings with the FCA, but as with most regulators, they won't entertain any dialogue with the customer so you never know whether your particular complaint or concern is thrown in the bin when it arrives or is being treated seriously and acted upon.

 

Regulators do not get involved in individual account disputes, they just 'listen' to people's concerns and if they do act on them, you never get to know how or what was done.

 

To the concerned punter, that's not much help when he or she is fighting for their life against an alleged injustice by an unscrupulous lender or practice. In fact, it just frustrates the punter even more.

 

One just hopes someone hears what's going on and does something for the rest of mankind to stop the organisation from doing it again - but you never know!

 

That takes people to the legal option and I have not seen many people come away unscathed from taking these companies on as the T & C's in their contracts mean that the punter pays for their defence and costs no matter what the result is and that's hardly a fair term in a consumer contract is it? There is no level playing field from the very start.

 

It's a very hard battle to win against these people without cost so best not get into bed with them in the first place if at all possible - credit can be useful, but it's dangerous to one's health.

 

Andrew

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  • 1 month later...
  • 3 weeks later...

Hi guys . Update

I've paid on time for the past 3 months and exactly in line with court order .

Today my statement came and it showed applied 3rd party charges £249 applied 16th of November

 

I had no option but to call them to find out what these were for

The call handler stated it's the costs involved canceling the warrant back in August ..

I will take that a's at leat it was cancled

Now yet again the best bit

 

She asked if the account was still been investigated by Fos

I replied yes

 

She then proceeded to advise me that depending on the outcome of the complaint kennys may still enforce the eviction warrant !!! I replied you what even tho I've made 3 month's of payments !

 

Her response was the only way the warrant would of been canceled was upon full recipt of all the arrears

 

I replied but you have canceled it and I've made 3 payments .

She said doesn't matter as we ant the full arrears to stop any further action ..

 

And depending on the outcome of Fos complaint depends on what action they will take next .

Godsake /polite word

 

I've recorded the whole call and passed the info on to Fos

Kennys are going to be the death of me

Regards

Markez

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wonder why they put those charges on there..maybe cause they know you'd phone up...god how many more times are you going to fall for their tactics.

they've got you on a string.

 

good you recorded it good you've added it to the complaint.

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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The minute you get into arrears they have a right to repo. That's when the clock begins to tick with regard to if and when the lender will go for it. With the likes of Kenny's it's not 'if, it's always when. They know they have a legal right and will just remind you to keep the control freak attitude over you as DX suggests.

 

Just keep doing what you are doing and paying on time and gradually the balance of control will reduce and once you are out of arrears the game changes. Kenny's know they can do and say what they have said to you and no doubt the charges applied can be charged too under their Mortgage Conditions. If you can pay those charges to save yourself added interest then so much the better, but they'll take whatever you paid and just reduce it from your arrears.

 

Try and ignore their emotional attitude because it will wind you up - but then that's exactly what they do as it's their business model, so try keep off the phone and put anything you want to ask them in writing - just keep up the payments until the arrears are paid and 6 months of payments will make a significant difference to any outcome if they haul you in front of a Judge again.

 

Wipe out of your mind what they say, like you would something you scrape off your shoe that's been left on the pavement by a dog walker - there's not a lot of difference! Look forward to the day you are rid of them and having a happy Christmas with your family. Search out for the 'feel-good' factors around you, not these dross.

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  • 1 month later...

Hi all just an update ..the fos have replied and basically said they can't see anything wrong and because I'm on variable interest Kenny's are in the right to keep upping the cmi .and because they refunded £8000 towards the arrears they have followed what most banks would do .. now I have to await the dreaded letter from Kenny's for an eviction as they stated they may still go for eviction as the warrant was only suspended because the fos asked them too ..and the deal was they would only cancl it if I paid off the £20000 arrears in full of which I can't do

So I b et they reissue it ..my head and heart have sank to the lowest point ...I've been paying on time since the warrant was suspended in August ..regards markez

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That's not what the judge said

Stop worrying about it

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 know DX but I was late with a payment back in August and couldn't afford the full amount . That's why they issued the original eviction warrant ..

I have paid ever since it was canceled tho ..so hopefully that will be in my favour

Regards

Markez

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I have the option to appeal,can I check something the Fos has said IÂ’m on a variable interest rate and kennys are entilted to put my cmi up .which is fair enough but the interest rate has only changed twice last year and kennys have changed my payment over 7 times in the last year .

 

Fos have stated only 1 change on the reply letter from £589 to £592 kennys have since changed it from £592 to £604 then £612 and this month changed it to £615 do u guys feel thatÂ’s enough for me to appeal against there decision and try and point out the Fos are missing the point that they keep changing the cmi even when there is no change in the interest rate ....variable also means it can go down of which it never has 😔

 

Regards

Markez

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Try to stay calm, DX is right that it is not what the court order said. Please do not start the cycle of feeling down, this terrible company can say what they want but the only way they can seek possesion is if you miss a single FULL payment. So relax.

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We had this problem when attacking Swift who operate the same business model. They put their rates up in a similar manner when the Libor and B of E rates plummeted and somehow, when they took people into court and the point was argued, they said the increases reflected their own 'borrowing' and financing costs which the Judges seem to accept as okay as this was to fund the business and did not reflect Libor or B of E like most other high street banks.

 

It's another ruse by companies who operate this kind of sub-prime business which seems to be above the intelligence of the Judiciary to see through. It just makes it harder for people like you markez to argue when faced with court hearings and is another reason why you should get the hell out of their grips at the first opportunity.

 

Just listen to what the guys here say though, they know what they're saying.

 

Keep calm and just keep to the payment plan.

 

good luck.

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