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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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Barclaycard Visa SAR / PPI help


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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

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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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

dx

 

Yes it did and was taken over by Goldfish then Barclays, in which I have been maintaining requested monthly payments.

 

What should I do regarding 8% simple application - Should I dispute it with barclays first asking for clarification of said policy or should I go to FOS ?

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ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy

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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Share on other sites

ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy

 

Oh ok but might have to give them a call about it anyway, as contact has given me her details to discuss further if need be.

 

Good question and sorry to sound stupid but not really sure. The letter just states Card Protection Insurance (CPI) complaint on your Barclaycard account but prior to January 2005.

 

I have already received a refund cheque from CPP for post January 2005.

 

Do you know if the application of 8% interest is correct ? If so should I have not received amount (not against balance) less tax, and premium refund deducted from card balance ?

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due to the weak agreement to resolve the cpp issue,it was agreed interest was only refundable at 8% and BC seem to have followed this, although obviously you were charged compound interest on your account. The 8% should in any case have been refunded to you less 20% tax which you can reclaim if a non taxpayer. Personally I would argue it out with BC on both counts

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due to the weak agreement to resolve the cpp issue,it was agreed interest was only refundable at 8% and BC seem to have followed this, although obviously you were charged compound interest on your account. The 8% should in any case have been refunded to you less 20% tax which you can reclaim if a non taxpayer. Personally I would argue it out with BC on both counts

 

Many thanks for your reply. Where can I find details regarding this decision ? Or am I probably wasting my time ?

 

Don't really want another issue with FOS at the moment as have no confidence in them. May have to just accept it as can see this dragging on for another few years !

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  • 5 months later...

Hi

my OH took out a FA Premiership Barclaycard Visa account in September 2001 (now paid up and closed) and

 

 

on recently checking old statements, she had been paying PPI.

To be honest she didn't have a clue about PPI at the time and what it was all about.

 

I got her to send a SAR and she received most of the statements.

Terms & Conditions and a grainy microfiche copy of the application.

She is sure that it was applied for via her Barclays branch in London and over the phone.

 

The copy of the application is mostly unreadable and looks as if Barclays have typed it up,

including 'X' against employment, other cards, annual income boxes etc

apart from the Payment Protection Insurance box,

where the 'X' has been badly penned in ?

 

They have also marked 'X's' against her signature and date for her to sign and the insurance wording states,

'For a small monthly premium this insurance will cover your payments if you are unable to work etc...

........Please tick the above box if you require protection.'

 

There is no wording or any other explanation as to what was covered or excluded, cost etc.

 

She also contacted Barclays and they confirmed that insurance was added and

they sent out a questionnaire to be completed with a covering letter.

The letter requested details of how the policy was sold and how conditions were disclosed

including copy of original agreement, statements showing PPI and policy schedule ?

 

Do you think she has a case for miss-selling on the basis of the above ?

She also had a very good employment redundancy, sickness, death in service cover

and company shares in which she sold some to pay up and close the account.

 

I have read up on forum regarding some unsuccessful claims with Barclays

and just wondered if anyone had a similar case

and can confirm that it was probably applied by post or completed at a branch.

 

Any advice would be most appreciated.

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I would say that you need to use the fact that the PPI is not pre ticked

 

 

and has been entered by hand.

 

 

could she have done it?

 

 

or was it an advisor or bank clerk after the commission/bonus?

 

 

if it was done over the phone

theres no way it her tick!!

 

 

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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Share on other sites

I would say that you need to use the fact that the PPI is not pre ticked

 

and has been entered by hand.

 

could she have done it?

 

or was it an advisor or bank clerk after the commission/bonus?

 

if it was done over the phone

theres no way it her tick!!

 

dx

 

Thanks dx as always.

 

That's what is confusing the issue, as she does not remember anything about asking for PPI.

 

The application is a very bad copy as parts are unreadable and the penned 'X' is just about readable, but others are clearly typed in.

 

 

My OH has signed and dated it but as I said someone has put 'X' s against where she was to sign it ?

 

 

There also seems to be another faint penned 'X' under the insurance section as well.

 

I can also just about make-out a Servicing Branch Details field where a penned number has been entered

and also a staff and application reference that has also been written in pen ?

 

Should my OH be asking for the actual CCA details ?

Or just proceed with completing questionnaire saying that she never agreed to the PPI being added as she would not have needed it ?

 

They also did not provide statements from Sept 2001 to Sept 2002 as per her SAR and no explanation as to why not ?

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yes ofcourse you can ask for the missing/better details/copy

and in writing only

 

 

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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  • 3 weeks later...

Just been checking my OH Barclays SAR details and came across a single insurance premium amount at start of her barclayloan.

 

Can someone kindly confirm if the calculations are correct ?

 

Loan Amount £10,000

Insurance Premium Amount £3,035.42

Monthly Repayment Amount £238.68

 

£3,035.42 / £13,035.42 x 100 = 23.29%

 

£238.68 x 23.29% = £55.59 (Insurance part of monthly payment)

 

Cheers

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10/10

 

 

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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Share on other sites

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