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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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Natwest Default


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I have a default of £2,976 with Natwest.

 

£1,176 of which is made from fee's from when I went over my overdraft limit

and then couldn't afford to pay enough money back to the bank to be able to get myself back under the limit.

 

I accrued the overdraft while at Uni.

This was a student account to start of with.

 

The first time I went over the limit was in May 2011.

My owed balance went up from £1767 to over £3000 in the space of 8 months.

 

Even though I complained to the bank that this was spiralling out of control and I didn't know what to do.

They just said you need to pay it back now to get under your overdraft limit.

 

I couldn't afford this, I was only just breaking even at the end of every month anyway.

 

I am now finally in a place financially where I can actually start paying something back.

 

However, I am unsure as to how to go about this.

I have already had debt collectors (Robinson Way) trying to contact me.

This was about 2 years ago.

 

Can anyone advise me on what to do?

What about the fee's of approx. 140 a month will I need to pay all this back?

 

This has been troubling me for a long time and I want it sorted as I really want to try getting my credit record in order

to enable me to get a mortgage.

 

Any help would be greatly appreciated.

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is this on your credit file then and defaulted?

 

and are these PENALTY charges etc since nov 2009?

 

if so you could try BCOBS complaint

 

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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Yes this is showing up on my credit file now,

 

Equifax, Experian and Noddle all show it.

 

The charges are penalty charges.

 

In 2009 Natwest changed how they charge for going over their overdraft limit.

 

it was I think 35 pounds for going over which was charged once in the month.

 

They then set it to be charged per day and that worked out at £5 a day.

 

when I got my statement at the end of the month I was over,

plus they were going to charge me approx. £125 in penalties.

 

This then happened each month.

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did they do this in nov 2009 and afterwards 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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Share on other sites

brill

 

click the bcobs

 

and read the blue RBS link.

 

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

  • 2 years later...

I have a default of £2,976 with Natwest. I actually posted about this sometime ago, but have never managed to get it sorted out.

I really would like to, as its getting me down and holding me and my family back.

 

£1,176 of the total is made from fee's from when I went over my overdraft limit

and then couldn't afford to pay enough money back to the bank to be able to get myself back under the limit.

 

I accrued the overdraft while at Uni.

This was a student account to start off with.

The first D on my Noddle Credit Report is on June 2012.

My owed balance went up from £1800 overdraft to over £3000 in the space of 8 months.

Its now sat at £2976 and has been at this value since October 2014.

 

Even though at the time I complained to Natwest, that this was spiralling out of control and I didn't know what to do.

They just said you need to pay it back now to get under your overdraft limit. And offered no help.

I couldn't afford this, I was only just breaking even at the end of every month anyway.

 

I am now finally in a place financially where I can actually start paying something back.

And hopefully I would like to get a mortgage.

I am in the position where I could pay the money back in full.

But I'd really rather not pay the extra £1200 of charges.

Robinson Way contacted me about this initially and I think Westcot as well, however I did not acknowledge any letters.

 

I went to speak to a bank about the possibility of a mortgage the other day and I mentioned the default.

They say I would need to satisfy the default before I would be considered.

 

I really do not want to risk a CCJ.

The bank(Skipton Building Society) suggest I should complain to Natwest and hopefully they might let me pay back the £1800 without the charges.

 

 

Could anyone please help with what to do?

I only have 9 months until the 6 years of the default is up.

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robbers way and wescot dont buy debts. Theyre just rent a muppet hoping to [problem] you into paying.

 

Just wait for the 9 months imo, as paid or not, if that default is on your file, it wont make any difference to the status of the debt. The default will still be there, paid or not.

 

The debt will become legally unenforceable if you havent paid in 6 years and havent given written acknowledgement the debt is yours.

 

The default will be removed 6 years from date of entry. If you pay it, imo its wasted money as that default will still be there, and the majority of mortgage companies will still refuse you

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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Threads merged..please keep to one thread per issue.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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not paying them anything are you?

ie you've not use the account since?

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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good so statute barred then..

they cant get a CCJ..

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

sb is 6yrs yes.

 

 

whats your problem

its dead..

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

It will be statute barred by Sept 2018.....officially ( The first D on my Noddle Credit Report is on June 2012. ) Thats allowing 3 months for service of the recall notice.

 

But what date did you last actually use the account...deposited money or paid a Direct Debit ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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sb is 6yrs yes.

 

 

whats your problem

its dead..

 

OK, thank you.

 

It will be statute barred by Sept 2018.....officially ( The first D on my Noddle Credit Report is on June 2012. ) Thats allowing 3 months for service of the recall notice.

 

But what date did you last actually use the account...deposited money or paid a Direct Debit ?

 

Andy

 

The date of the default is the 31/05/12. I think I stopped using the account before October 2011.

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So the default was placed 8/9 months later..of course if it went to court they would argue the cause of action runs from xx April ? 2012 (the date on the Recall Notice) and the default was entered 31/05/12...so April/May 2018 would be the creditors version of statute barred.

 

So unless a court claim is issued from now till then it really is not a problem.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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