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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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Halifax credit card Account in dispute sold to Cabot


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Hello,

 

Halifax has sold my credit account to Cabot.

 

I have been in dispute with Halifax since 2014 as they have failed to comply with CCA request in fact they have admitted they dont have credit agreement.

 

Shall I send prove it letter to Cabot or letter stating this account is in dispute with Halifax?

Regards

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Neither ignore them

They've been sold a lemon

 

Just don't ignore a claim form

 

Have you got it in writing HBOS have no CCA?

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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Don't Invite stupid letter tennis

Not sure what this account in dispute thing is

That went out the window years ago and was useless anyway

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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  • 3 years later...

Good morning,

 

I have recently received letter from Mortimer Clarke chasing Cabot debt for an old Halifax Credit Card. The debt is going to be statue barred in March 2021- defaulted on 20/03/2015. 

Letter has come out of the blue as no contact from Cabot over the last few years. Mortimer Clarke are threatening legal action and saying if no contact made they are instructed to start court proceedings. 

Any advise please? 

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old and new threads merged

please fund our drinks bill for the staffs new year party with your free money.

 

as lng as you have not moved in recent times safe to ignore until/unless you get a letter of claim

 

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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Dx,

 

Indeed I have moved house in August this  year- Mortimer Clarke have sent letter to old address but I have mail redirection in place. Shall I email them and ask to update their records? 

 

Thank you

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i would simply do that yes.

 

don't forget any others too!

 

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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  • 1 month later...

click letter of claim

follow post 2 

yes to a new cca request

because..previously failed to fully comply with previous requests.

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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Quote

 The debt is going to be statue barred in March 2021- defaulted on 20/03/2015. 

 

 

Hence the flurry of activity...was the above date the date of the Default Notice or the date it was applied to your CRAs ?

 

Andy

We could do with some help from you.

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Okay.... but it could be earlier than March 21...because it runs from the date of the default notice + 14 days...don't suppose you have the default notice ?

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

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I doubt you will get any joy with them...why not give Halifax a ring and ask...on the off chance ?

 

When you return your PAP its important to inform Carboot that Halifax still remain in default of your section 78 request dated 2018.

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

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Andy,

 

I am sure I did have it as I have sent Sar request in the past to Halifax but all documents got thrown away during our move in August 2020. I will give Halifax a call today and try to find out the date of default. 
Can I just clarify that its Cabot who are in default of section 78 request from 2018. 

Halifax have never supplied Cca either back in 2015. Will that matter? 

 

 

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Even better ...put both Halifax and Carboot are in default from previous  section 78 requests of  2015 and 2018

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

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Obviously if you find the date of the DN.....and you have not made payment or acknowledgment within 6 years...then your response to the PAP will be completely different :becky: 

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

 

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20 hours ago, Andyorch said:

Obviously if you find the date of the DN.....and you have not made payment or acknowledgment within 6 years...then your response to the PAP will be completely different :becky: 

Good morning,

 

I have found old correspondence from Halifax and the last payment on account had been made on 27/01/2014. No default notice, but I have letter confirming Halifax was unable to locate Credit agreement for the above account. Shall I inform Mortimer Clarke and Cabot about it? 

 

Thank you

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Registered on CRAs      20/03/2015

Last payment                 27/01/2014

Default Notice date           unknown

 

Have you spoken to Halifax yet ?

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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22 hours ago, Andyorch said:

Registered on CRAs      20/03/2015

Last payment                 27/01/2014

Default Notice date           unknown

 

Have you spoken to Halifax yet ?

Good morning,

 

Spoken to Halifax- default date is 2/03/2015. 

However I have received letter from Mortimer Clarke stating the preaction protocol letter had been sent out as mistake and to ignore it as they are referring account back to Cabot. I am so confused

 

Thank you, 

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then don't worry about it

if halifax took more than a year to register the default, unless you used the card after that, it's looking like theres good reason to argue its SB'd anyway. cabot will be hard pushed and silly to raise a claim by  20/[03 . not the 1st time we've seen mortimer retract themselves

 

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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I would still complete the PAP and return it anyway...stating the debt is statue barred ...as it will be by 15th March 2021...nothing lost...always do the opposite of what a DCA solicitor advises.

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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oh yea forget about the PAPLOC>>

 

just send them our SB letter from the debt collection section of our library 

or follow post 2 of letter of claim thread

and staple the SB letter to it so CONC is invoked too?

 

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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