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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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.
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DCA want income and outgoings. No right?


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I have made an offer for a payment plan to a DCA. They want my income and outgoings. My understanding is I don't have to give that to them.

 

They have alreday threatened court action (for a debt they don't own) and to pass my details to a debt investigation agency (they don't have my permission to pass my data on).

 

I want to make it clear I know my rights so advice on the income/outgoing would be appreciated. Thanks!

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As you have now offered a payment you have aknowledged the debt.

 

It often helps to include an I&E but their is no legal requirement.

 

"I am under no legal obligation to provide you with documentary proof, however this will be made available to any court should they be required.

 

I am well aware of my rights in this matter and will not be subjected to bullying, threats or underhanded methods. I would remind you that the offer made to you is with the help and guidance of the CCCS, and is on a pro rata basis as used by the county courts. My finances are being reviewed on a regular basis and the pro rata payments are subject to change.

 

I am unable to provide copies of the documents you may require as these amounts are paid into my bank, and I do not have the facility or finance to copy any documents. The originals, will however, be made availble to any court should they be required. "

 

Hope this helps.

 

Regards....Turnaround

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They have alreday threatened court action (for a debt they don't own) and to pass my details to a debt investigation agency (they don't have my permission to pass my data on).

 

 

If they are the DCA - what in heavens name is a debt investigation agency - you've admitted the debt so umm what are they investigating actually?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks. This is what I thought. The way I see it is if they don't like the payment I offered they can get the original creditor to initiate court proceedings. I don't have any more money so it makes little difference to me.

 

I'm not with CCCS or anyone but I think I will go and have a word with CAB. I sent my first cheque with payment plan which they cashed practically instantly and I think if I stick to the plan I suggested it will at least show the court I am trying to pay the debt off.

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gizmo, I have no idea what the 'Investigation Agency' was. They just listed 3 things which were obviously supposed to scare me.

 

1) court action - I said you don't own the debt so you can't.

2) send someone round - I said so?

3) investigation agency - try passing on details and you will be chatting to the information commissioner.

 

I owe the money I will pay the money but don't treat me like a monkey :rolleyes:

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