Jump to content


  • Tweets

  • Posts

    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Restons Solicitors and Arrow Global threatening CCJ old egg debt


chris_m_
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2703 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards.

 

 

I defaulted during the crash as I was made redundant and career effectively ended.

 

 

I went into default immediately

 

 

after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks.

It looks serious to me too; I've not had a letter like this before.

 

What can I do?

I've put a little money aside (around £3k) which I could try to use to keep them off my back,

but that would then acknowledge the debt

and I'm so close to the 6 year statute bar.

And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

Link to post
Share on other sites

Hi chris_m_and Welcome to CAG

 

I have moved your thread to a more appropriate forum for the best response.

 

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

 

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

Link to post
Share on other sites

Hello all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards. I defaulted during the crash as I was made redundant and career effectively ended. I went into default immediately and after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks. It looks serious to me too; I've not had a letter like this before.

 

What can I do? I've put a little money aside (around £3k) which I could try to use to keep them off my back, but that would then acknowledge the debt and I'm so close to the 6 year statute bar. And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

 

send a CCA request and report back here their response, they have 12 + 2 days to produce or they cannot proceed without satisfying your request, initially that is a start, best to list all details regarding this account i.e. taken out . when, last payment, default date, etc etc without giving personal info on here i.e reference numbers.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

I have debts that are approaching 6 years old

 

How close is close chris ?

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

Link to post
Share on other sites

Thanks for all the quick replies!

 

Close is about March next year.

 

Given that they have 14 days to respond to the CCA,

and they've already said they will proceed with CCJ in 14 days,

 

 

can they do both simultaneously

. ie hit me with both letters in the post at the same time?

 

 

If they do that I would have lost my opportunity to negotiate a reduced payment, yes?

 

Thanks

Link to post
Share on other sites

Send your section 77/78 request ...pronto.

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

Link to post
Share on other sites

OK Thanks. And this should go to Arrow Global right, rather than Restons?

 

Yes

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

Link to post
Share on other sites

Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

 

Not necessarily..This is Restons ..the request is not legally binding unless its sent to the creditor...you could drop them a line in response to their threatogram stating that you are currently waiting a response to your section 77/78 request......that will stall them if their intentions are true.

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

Link to post
Share on other sites

Legal Information

Arrow Global Limited

Registered Number: 5606545

VAT Number: 997 3442 67

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). Consumer Credit Act Licence Number: 0578436

Data Protection Act Notification Number: Z9260328

 

Arrow Global Accounts Management Limited*

Registered Number: 05478076

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9477941

 

Arrow Global Management Limited*

Registered Number: 07373491

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z3628309

 

Arrow Global Receivables Management Limited*

Registered Number: 5875306

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9580720

 

Arrow Global Limited, Arrow Global Accounts Management Limited, Arrow Global Management Limited and Arrow Global Receivables Management Limited are registered in England and Wales.

 

Registered Office:

20-22 Bedford Row

London WC1R 4JS UK

 

Arrow Global Guernsey Limited*

Registered Number: 49547

Data Protection Act Notification Number: Z1552619

 

Arrow Global Guernsey Limited is registered in Guernsey.

Registered Office:

La Plaiderie House

La Plaiderie

St Peter Port

Guernsey GY1 1WG

 

* Accounts are administered through Capquest Debt Recovery Limited, which is authorised and regulated by Financial Conduct Authority to carry on regulated consumer credit activities under registration number 475757.

 

Capquest Debt Recovery Limited

Registered Office:

Belvedere

12 Booth Street

Manchester M2 4AW

Registered Number: 03772278

Data Protection Act Notification Number: Z7224604

:mad2::-x:jaw::sad:
Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

Well that's the intention..... to play with your mind.....if they issue a claim just because you made a request for the agreement then it does not bode well for any prospective F&FS negotiations.....which you can still do even if they do submit a claim.

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

Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

See Item 6 above:-

 

you could send copy of CCA1974 request to Restons for information purposes1 see if they continue to issue a N1 court case form, they all use scare tactics to see if you panick and pay up. read threads and you will see what happens oir get a good idea.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

daverules - I would say before, but it might be tight. I don't have exact records, and I think I may have consolidated a couple of credit cards into a loan with the same company around that time. I was foolish in those days and didn't keep records.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...