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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.
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Hi guys...

 

I was sent the below email to which I responded that I am only willing the pay the amount to the half rule which is 2672.88

 

I was then informed that they were instructing their Scottish lawyers to seek a money order or something?

They are claiming the additional charges are for a replacement set of keys, which were left in the car...

an admin fee for replacing the keys and 480 quid for recovery.

What should I do/say in response?

 

"We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account.

 

You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340.

 

If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances

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they cant charge any of that.

 

so can you update us fully please

 

scan up the letters or the emails follow UPLOAD

 

have been saving money since june every month to pay this off to the 50% mark?

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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No I had to take a loan out for other car purchase and made sure loan amount covered what was required to may the 50% value...please wait for email uploads...

 

Can't workout how to attach or send the image of said email trail from my phone...can I forward the trail to your email address?

 

I've just sent the trail in a pm via copy and past...apologies for not being able to do it more efficiently as I'm only using my phone.

 

Thanks

 

Thomas

 

Dear Mr

 

We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account.

 

You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340.

 

If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances.

 

We are open between 8am and 8pm Monday to Thursday and 8am to 6pm on Friday.

 

Yours sincerely

 

Moneybarn

 

Website: www.moneybarn.com

 

 

Also you are not entitled to seek recompense for recovery/repo as a result of general wear and tear. This resulted by way of the car being modified electronically without my knowledge prior to purchase...as previously stated I wouldn't have touched it had I known.

Hide quoted text

 

On 28 Sep 2017 15:17, "wrote:

I am seeking an amicable end to this situation hence my communications.

 

I am merely stating my argument against the charges and have not in any correspondence relating to this email stated an intention to not pay.

 

I am simply staying that I will agree to pay the 2672.88 as it's what I seen responsible for.

 

I have that money sitting here ready to pay once agreed but not a single penny more

 

On 28 Sep 2017 13:53, "Alysa Emery" wrote:

Dear

 

I attach a copy of the terms and conditions of your agreement. The charges that have been added to your account have been added in accordance with Clauses 7 and 10.

 

We have instructed our Scottish solicitors Brodies to proceed to obtain a money judgment against you for the outstanding balance.

You will receive the writ and relevant documentation from the sheriff officers in the next few weeks.

We suggest you seek independent legal advice once this has been received.

 

Kind regards

 

From:

Sent: 23 September 2017 16:30

To: Moneybarn Recoveries

Subject: RE: Please Contact Moneybarn. Contract No.

 

I will not be paying these additional charges as the original key was under the fuel filler cap:

 

Replacement Keys £167.38

 

Replacement Keys Administration Fee £8.00

 

Nor will i be paying the recovery fee as the vehicle being immobilised was as a result of it being mis sold to me and subsequently blowing up:

 

Recovery Agent Fees £490.00

 

 

I understand that I shall be liable to you for the amount calculated under the formula in Section 100

of the Consumer Credit Act 1974.

.

**As I have not paid more than the amount calculated under the formula in Section 100 the amount due is £2672.88

 

On 22 Sep 2017 14:23, "Moneybarn Recoveries" wrote:

 

Alysa Emery

Litigation Assistant

 

DDI: 01730 715320

Email: [email protected]

Website: www.moneybarn.com

 

Dear

 

Thank you for your email which has been duly noted.

 

The balance on your account is due to the following additions as per the attached copy of your final billing letter:-

 

Replacement Keys £167.38

 

Replacement Keys Administration Fee £8.00

 

Recovery Agent Fees £490.00

 

We have deducted the £5,785.63 for the half rule but as you would have been advised when your exit options were communicated to you any additional expenses would be added to the balance and you would be liable for.

 

Please call us on 0330 555 2340 to complete an Income and Expenditure form with you and come to an affordable and sustainable payment plan with you.

 

 

Kind regards

 

Moneybarn

 

From:

Sent: 19 September 2017 12:17

To: Moneybarn Recoveries

Subject: Re: Please Contact Moneybarn. Contract No.

 

Can you also give me an itemised breakdown on how you've come to this conclusion please?

 

On 18 Sep 2017 17:53, "> wrote:

 

The Recoveries Team

 

0330 555 2340

Email: [email protected]

 

 

As previously stated...i will not be paying a single penny more than the £2672.88.

 

This is the amount payable up the 50% of the agreement and even at that I'm reluctant to do so as I have clearly been mis sold the car and bought a previously "tinkered" with car of which I was not made aware.

 

If I had been made aware of such modifications ie the remap which my mechanic discovered, I wouldn't have touched the bloody thing!

 

On 18 Sep 2017 13:40, "[email protected]" wrote:

 

Contract No.

 

Dear

 

We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account.

 

You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340.

 

If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances.

 

We are open between 8am and 8pm Monday to Thursday and 8am to 6pm on Friday.

 

Yours sincerely

 

Moneybarn

 

Website: www.moneybarn.com

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good on you!!

 

email back stating you'll gladly see them in court where the sheriff will hear the full story with my detailed documentary evidence and the Consumer Credit Act where by this clearly states such sums are not allowed

 

I will also outline that the fault which caused the car to fail was there upon purchase from you so i'll push to recover all my money under miselling under Consumer rights act...

 

I willingly await your threat of a 'money judgement' whatever that is under the Scottish simple procedure rules??

 

in the meantime the offer of £XXXX is sitting here waiting for you and can be paid as under the rules of the CCA Section 100 within 2hrs.

to fully conclude the matter.

 

ball is in your court [sic]

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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Perfect, I shall get this into an email and send it over

 

This was sent...

 

I will gladly see you in court where the sheriff will hear the full story with my detailed documentary evidence and the consumer credit Act where by this clearly states such sums are not allowed

 

I will also outline that the fault which caused the car to fail was there upon purchase from you so i'll push to recover all my money under miselling under the consumer rights act

 

I willingly await your threat of a 'money judgement' whatever that is under the Scottish simple procedure rules??

 

in the meantime the offer of £2672.88 is sitting here waiting for you and can be paid as under the rules of the CCA Section 100

to fully conclude the matter.

 

Ball is in your court

 

And this was received...

 

Thank you for your emails.

I have now discussed your account with my manager.

 

If we receive the sum of £2,672.87 by close of business on Wednesday 11th October 2017, we are prepared to remove the disputed charges from the balance and discontinue our legal action.

 

Please make the payment by bank transfer. Our details are as follows:

 

Result! Cheers Guys...

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Well done

 

Dx

 

 

 

 

The Consumer Action Group needs help to cover its expenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

or by downloading our toolbar and using it to search the web instead of your normal search engine:-

http://consumeractiongroup.co.uk/cag_plugin.php

Please help.

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

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