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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!
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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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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if yo want HELP in doing the sheet

we need to SEE THINGS

we are not clairvoyant....

 

 

so the agreement where it mentions PPI

and any statement that mentions PPI.

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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:-):-):-) of course you do, sorry stupid question really haha

i will get on with it tonight

i bet your calling me all the names under the sun :oops:

thanks though

Saranev

 

Don't let them get away with it :mad2:

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no..all part of being in a forum..

 

some people research things themselves and never even post here they read existing threads

 

its what CAG is all about, open knowledge that can be researched

if someone doesn't ask or realise the things you've hit..

 

they'd be nowt to read.

 

dx

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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  • 2 weeks later...
  • 3 weeks later...

attached what you emailed to your above post

 

now

this is a ppi reclaim on loan accounts?

why have you upload your bank account statements???

 

we need the loan statements...!!

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

This is all I have. I thought the bank statements would prove the amounts paid monthly attached to the loan agreements?

Saranev

 

Don't let them get away with it :mad2:

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ok let me see if I can get my knitting needles out later and unravel this.

 

 

dx

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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Share on other sites

  • 2 weeks later...

no been very busy and will be till atleast Tuesday

 

a very quick brush thru.

 

loan 8 mar 1999 13.2% of any payments were PPI. one reclaim

 

loan £10k 17.2% of any payments were for PPI reclaim two

 

bank A/C charges

charges, unauth OD fee [probably not now reclaimable]

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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Share on other sites

  • 1 month later...

Where are you up to so far?

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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Share on other sites

I have the info I posted but don't know what to do with it.

 

I have read until I can't read any more. I'm confused how to proceed.

 

The stuff they sent is not clear cut.

 

Could you give me some guidance please

 

Do you think there is more? Or is the offer fair?

Saranev

 

Don't let them get away with it :mad2:

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post 35 make your spreadsheets

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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Share on other sites

I am trying to do the spreadsheet but the calculations are less than what they have offered in the first place?

I'm obviously doing something wrong.

 

Can i put both on one spreadsheet?

 

Also i have noted that the offers on the other loans have no dates on them so how can i calculate the interest?

Saranev

 

Don't let them get away with it :mad2:

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???you don't need their int rates?

 

 

why do you think you need those?

 

 

use the statint sheet as already advised.

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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omg i have calculated all loans on one spreadsheet and it comes to £14,143.29 could this be correct?

If it is i am lost for words.

May i draw your attention to 2 loans that i apparently claimed against

 

PPI premiums paid £2,512.06

Plus 8% simple interest £1,681.04

TOTAL £4,193.10

 

Less insurance claim £2,493.31

Adjusted PPI premiums and associated interest £1,018.33

Adjusted simple interest £681.46

TOTAL £1,699.79

 

I'm not sure which figure to calculate?

Any advice would be helpful

Thanks

 

I'm sorry for being such a numpty but people like me tend to bury their heads in the sand and then run around like a loon trying to sort things out

Saranev

 

Don't let them get away with it :mad2:

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urm..

attach your spreadsheets here

as .xls file but remove top pers details.

 

if the loans did not refinance each other

you cant put them on the same statint spreadsheet.

 

post 35 gave you the calcs to use on 2 of the loans

were there more then?

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... 

Link to post
Share on other sites

  • 2 weeks later...

ok here goes nothing

 

I have re-read the original letter from the YB and am now of sound mind to dissect it.

 

It clearly states there are 5 loans and then says they also found 4 more (the same loan numbers) so not MORE!

 

PPI upheld on 4 but then goes on to state an offer of recompence on 5

They have only included the agreements for 2 loans so how do they know about the others on which they have made an offer?

 

Could someone please look at the upload on post 4.

If there are 5 loans why have i not got 5 agreements as requested when i sent the SAR, I thought they had to by law?

 

They have agreed the PPI is there and made a token offer so they must have the info somewhere.

 

If you could please have a look and advise how to fill the CISheet v101.xls in it would be of great help.

 

I have printed the ombudsman questionnaire out and the letter as advised but i want to add to it that their letter does not make any sense.

 

So I just need the spreadsheet now.

 

 

Not understanding why i can't put them all on the same sheet?

 

Thanks

sara

Saranev

 

Don't let them get away with it :mad2:

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post 21 has the spreadsheet you need

 

if the loans were not a chain

then you must use a sep spreadsheet for each one.

 

phone and ask for the info you don't have

there is no legal remit sadly to include agreements in an sar

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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