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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!
    • 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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    • 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.

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Nationwide Partnership mortgage


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Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

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  • 3 months later...
Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

 

Hi 123fat,

I am in the middle of trying to get Nationwide off my back and get my house from them. I have paid the mortgage, but they are looking for a % of the equity of my house. I too have a partnership mortgage or in my eyes had. I still believe once the mortgage had been paid the partnership should cease. Is this the same with you? Where are you up with them. I would be happy to try and get in touch with as many as possible and look at taking a collective case against them. My mortgage ended in Aug 2014, I had it attached with an endowment policy which did not cover the mortgage, I had a shortfall of 30thousand. Nationwide threatened to take me to court for non payment of the mortgage. I had a double wammy. I had to borrow the shortfall of the endowment and paid it to Nationwide. Then within days they were looking for the % of the equity- 45.5%. I have tried Ombudsman, waste of time and effort.

Do get back to me.

Bonnie Mac

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  • 2 years later...

I would love to take them to court but don`t have the financial means to do so. We were conned into a trap which has only benefited Nationwide.

I feel doomed to stay here forever as I can`t see a way out. May be live in a caravan.

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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

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no off thread comms please

read our rules!!

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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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

Thank you very much. I think the lawyers are probably expensive. It`s a pity the Press doesn`t expose them. It`s not the best way to spend retirement trapped in my flat after spine op and joint replacements.

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Hi Kanga65,

Totally agree. The only thing is if you go with the ones I have been using, they will already be "in the loop" and do not need hours getting their heads around it. They may also be able to help with negotiating. Remember, they still have a hold on your property, well they do on mine. Take care.

Bonnie Mac

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please read our rules gentlemen...

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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Hi Kanga65,

I have just emailed my solicitor to see if it is ok with him to put his Firms name on this site, lots of things I am not sure about posting here! so do not want to get anyone into trouble. There is not doubt the legal advice is expensive, but look if he agrees, he will already have the gist of mine and I suspect strongly it is very similar to yours. If he agrees, and to be honest I do not see why not... two cases are better than one. However we will obviously be at different stages so let's just see. I will keep an eye on the blogs.

Take care

Bonnie Mac

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Please do not post the name of your Solicitor here on the open forum...you can PM it to any of the Site Team.

 

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

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Hi Andy,

thank for reply.

 

What does "PM it to the site team mean"? and how do i do this?

 

Is it possible for site team to give me phone number of Kanga65 if she wants too??

 

Or can I put a phone number up here for Kang65 to ring me???

 

I know too many questions........!

 

Bonnie Mac

Edited by dx100uk
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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here

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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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here

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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Hi Kanga65,

I an not sure how we go about me / you contacting it seems I can not put up a contact number! I am not sure if you have a public phone near you? I know all in my area are gone, I thought that might work ? If you have any ideas or suggestions let me know

Bonnie Mac

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as said thru the siteteam we are willing to forward your solicitors details simple click our username on the left

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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