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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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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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£45k loan with Swift [Portfield Loans in 2004] , paid over £100k, still owe more.......


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I took out a loan for £45,000 with Swift in 2004 paid PPI 6,100.

 

Loan was done through portfield loan, Rotherham. The loan and PPI amounted to 51,000.

 

I am still trying to pay this loan off, i have paid over 100,000 been to FCA, FCSC, had lawyers trying to get Swift to write off any better f the debt to no avail.

 

Swift come back and say loan was unregulated. PPI wasn't don't through them but a broker but I was mis sold that 6100 plus all the interest. Does anyone have any idea how I can recoup this money - Swift not interested and neither is anyone else.

 

Any advice? Thanks

Edited by honeybee13
Paras.
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Eh???

 

So you took out a £6,100 loan, which ended up being £51,000? And to date you have paid in excess of £100,000??

 

Makes absolutely no sense to me sorry?

 

How much was the loan for?

 

What was the APR or interest rate?

 

Were you working at the time you took out the loan?

 

Were you miss sold the PPI?

 

Why are you still paying them anything?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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PPI reclaim thru the fscs as the broker is bust?

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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Eh???

 

So you took out a £6,100 loan, which ended up being £51,000? And to date you have paid in excess of £100,000??

 

Makes absolutely no sense to me sorry?

 

How much was the loan for?

 

What was the APR or interest rate?

 

Were you working at the time you took out the loan?

 

Were you miss sold the PPI?

 

Why are you still paying them anything?

 

No I have not made it clear loan was for 45,000 in 2004 plus 6100ppii, my husband took not well fell into arrears, when interest rate fell they increased my payments. My husband still not well to,work

Wrote to Swift explaining I had paid in excess of 99,000 not interested - said they could reduce payments but this was not touching the balance outstandingly. Sought legal advice, Martin Lewis etc to no avail. PPI plus interest charged on 6100 would clear balance.

 

PPI reclaim thru the fscs as the broker is bust?

 

I tried that - they rejected the claim. Saying that it was about 2 years ago and things have changed since then. Do you think I should try again?

 

The FSCS said they couldn't help as the loan was unregulated at that time. I have all paperwork, it's like banging your head against a brick wall. How do they get away with this? Why isn't the Gov doing something about Swift and their practice?

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I wish you luck Fudge,

I feel there are a load more of you on Swifts books

they just don't know it because they haven't got to the end of their loan yet.

 

The sheer lack of info supplied by Swift over the years allows all the charges and interest to accrue before you have a chance to nip it in the bud.

 

Because of the capital/interest repayment schedule very little is coming off of the capital at the beginning so any charges placed then stop the repayment being any use and once you end up owing more than you borrowed it is a slow downward spiral.

 

The cynical amongst us would say that this is there overall plan, they certainly understand how little help the victims receive from the law and regulators.

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I have been in contact with legal dept at Swift,

had a lawyer looking at their dealing,

 

been to my local MSP to bring this up in Parliament,

written to Martin Lewis all to no avail or help,

 

as this was unregulated - sold to me through Broker who is no longer trading.

 

FSCS won't repay PPI charges as loan unregulated and taken out in 2004.

Swift eventually came up with no more interest or fees to be added to account but still owe them 10,000, each I am paying off every month.

 

If I got PPI back with interest this would clear The balance.

I did not think I have anywhere else to go who can help.

 

Any suggestions much appreciated.

 

I have all my paperwork back to 2004.

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Hi yes I have tried the insurance company too,

 

I had a lengthy talk with FSCS today told me that there was no where to go as the loan was taken out in 2004 July which was not regulated.

 

In Jan 2005 new laws were enforced re loans and insurance, but I am not covered.

 

Tracked down Director Mark Stringer who worked for Portfield Loans,

when shares a building with Norton Finance which he is a Director, but there seems no where else to go.

 

I think I will just have to give up on PPI.

 

As for the loan with Swift - they don't care.

My husband is very ill with the behaviour from Swift, he has mental health issues, PTSD caused by Swifts behaviour.

 

Nothing I can do just hope we both live to see this loan repaid.

Biggest mistake I have ever made.

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As far as I know you can reclaim PPI back up to twenty years ago, that aside Portfield Loans no longer trade. I think it's still an idea to write to the the PPI insurance company and find out if they paid a commission to Swift for your business. This imo would make Swift involved in the sale.

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Yes you can claim back 20 years if company still trading, FSCS would have got involved if it had been after Jan 2005. I will phone and ask them but every avenue I have tried revert back to Portfield. Swift probably paid Portfield a commission but it all reverts back to it being unregulated and prior to Jan 2005.

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