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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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    • 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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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

Minicredit debt KAPAMA CREDIT chasing...


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I have been looking at my debts with a view to clearing them.

 

I have checked various credit reference agencies and noticed that some of debts are not there depending on where you look.

 

I have been receiving text messages regarding a debt with Minicredit which I vaguely remember taking out but not the amount outstanding.

 

After checking my credit records it states that I purchased it in 26/11/2011 and the amount outstanding is £1531.20 which I feel is mostly interest as I not think it was that much as you can only borrow small amount of up to £400 I notice!

 

yesterday I received an email below. By the way, I didn't receive a Notice of Intent.

 

Debt Type: KAPAMA CREDIT

Balance: £1,531.20

Telephone: 0203 096 5899 (Calls are recorded)

 

NOTICE OF INTENT

 

Dear Angela (full name deleted)

 

As you are aware we issued a Notice of Intent against you in July 2016 but were then instructed by our client to offer affordable repayment plans as an alternative to the consideration of further action and cost, the Notice issued does not effect the Notice of Default registered on your Credit File for this debt which is preventing you from obtaining any further credit until paid.

 

Despite our clients gesture regarding your MiniCredit debt the matter still remains outstanding, we are now reissuing your Notice to start the Recovery procedure for the retrieval of our clients funds and will then advise them on the possible action they will need to consider to finally resolve your liability this could include but not limited to;

 

STARTING LEGAL PROCEEDINGS

 

To obtain a County Court Judgement (Decree for Scotland) against you which if obtained may result in further legal proceedings to enforce the judgement debt. Some of which are;

 

Attachment of Earnings (Earnings Arrestment for Scotland)

If you are employed, money will be deducted directly from your employment salary to repay the Debt.

 

Charging Order (Inhibition Order of Scotland)

If you own your home, the debt will be secured against your home preventing you from selling it without repaying the debt first. A separate application could also be made to force the sale of your home to repay the debt.

 

Warrant of Execution (Decree Warrant for Scotland)

Goods may be removed from your home up to the value of the debt and sold at auction. If legal action is taken the total amount you owe may be higher than the current outstanding balance as recoverable cost and interest incurred during the legal process will be added to the debt.

 

We would like to advise you we are willing to offer flexible repayment solutions that will meet your needs. Where this is not affordable our agents will also discuss alternative options available for you. We can accept £765.60 in a lump sum payment to clear the debt. Please be assured that we will take your financial circumstances into account when discussing any repayment plan to ensure suitability and have your best intentions to heart.

 

Maintaining payments or settling your account will be positively reflected with the Credit Reference Agencies.

 

TO MAKE PAYMENT

All payments through the post should be made payable to Hellix Limited with our reference number clearly stated at all times. You can make payment by Standing Order, or if your bank account allows by On-line or telephone banking Quoting Account Number 08763317 Sort Code 09-01-28 and our reference number, you can also make payment at any Santander Branch with our above bank details.

 

Debit or Credit card facilities are available on 020 3096 5899

 

 

Yours sincerely

 

Mr Nigel Goddard

Collections Manager

Hellix Limited

6 St Margarets Business Park

Moormead Road

Twickenham

TW1 1JN

Main Line 0203 096 5899 (Calls are recorded)

[email protected]

www.hellix.co.uk

 

What should I do next as I have never been in contact with any these companies?:?:

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Arh my favorite firms - Minicredit, OPOS, Kapama & Helix...

 

Helix are just an agent in relation to this Account. OPOS & Kapama are one and the same.

Id safely say ignore. Kapama and co never do court. Dont stir the hornets nest. A defaulted account will remain for 6 years on your CRA.

 

Notice in their letter it says;

 

The Notice issued does not effect the Notice of Default registered on your Credit File for this debt which is preventing you from obtaining any further credit until paid.

 

Thats is a lie. It wont stop you at all, It maybe though that you end up paying a slightly higher rate of interest...

 

We could do with some help from you.

 

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Can I echo my colleagues statement. Minicredit added loads of charges and when the debts were assigned to Opos. They (probably) added a few of their own. As such, if they were to ever try it on in court the figures wouldn't match what they were claiming and likely get thrown out.

If you are asked to deal with any matter via private message, PLEASE report it.

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When was the default placed on your account ?

 

 

They say you entered into the agreement in 2011 and sent a notice of intent (that's a new one) in 2016.

 

 

I suspect their letter/email might also be in breach of the debt collection guidelines, as it would appear they do not advise that the actions they say they will be able to take would not be possible unless and until they obtained a court judgment in their favour!

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