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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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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PPI rejection - Debenhams store card 1999, orig GE Capital - now satan - FOS or Small claims court??


Determined100
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Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with.

 

I have issued a SAR - but already do have copies of Agreement and statements etc.

 

Unsure of whats best as next move

- do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action?

 

The amount of money involved is probably fairly small (circa £200 in PPI premiums?)

 

Any thoughts appreciated!

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Ah the old button holed by the assistant so they could pocket the commission

 

Not got little x's they put and said sign here etc...

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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Absolutely.

 

Brought items in store

- signed an agreement which assistant marked up and advised apparently needed to have PPI if you want immediate approval!

 

Bank now suggest that this was perfectly acceptable practice and I would have had the opportunity to review T's & C's at the point of signing - what!!!

 

Stood in a queue, clutching a pair of jeans and a couple of shirts

- with people waiting to pay behind you

- well of course I'll have a review of your piggin terms to see if I'm being stitched-up

- even though the terms do not state how much this PPI farce will cost me.

 

Bank suggests I would have had 30 days to cancel if I wasn't happy

- but they didnt send the formal info in post to me till 60 days later???

Not amused!

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Look on the fos website

There are a few case examples and here 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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Recently submitted SAR to Santander- the same bank who was handling and rejecting couple of old PPI claims.

They have stated they hold no data for me - despite my having a current account with them for last 12 years - which is registered to my current address - detailed on my original SAR.

 

 

Excerpt of letter below:-

 

Can anyone advise whether you have to detail ALL previous addresses where they may have held data

- I originally provided full name, current address, date of birth

- and asked for data held on any and all addresses for me.

 

 

Equally, I'm not sure they are allowed to suggest they only hold data for 6 years

- when, whilst trying to log a PPI claim, they found data on old store cards going back 17 years?

SAR rejection003.pdf

Edited by Determined100
wrong attachment
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yes you do

read the sar and all its posts

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

Thanks re-read the posts and will write to them again.

 

However, my issue is that

1) not sure I'll remember all my addresses over last 20 years,

2) if it's genuinely only limited to 6 years - pointless exercise,

3) I thought a SAR required all information 'uniquely and personally identifiable' to you

- which an address is not

- whereas a proper name and 'date of birth' is very much unique to me and easily searchable/identifiable?,

4) My current account is with them and at current address - which they haven't even found

5) they clearly do have info beyond 6 years which they have failed to disclose

- as they are dealing with PPI claims older than 6 years (and rejecting them based on the records they hold - even if incorrect!)

 

Have reviewed ICO website regards longevity of data which doesn't suggest any cap of 6 years

- just as long as company holds data, in accordance with rules of DPA and their own compliance policy?

So surely, if they HAVE the data (which they clearly do) - they have to release it?

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Bank has now provided 'final decision' and rejected my claim

- as has the insurer, Axa.

 

 

Have sent SAR to bank but still awaiting results

- although do have my original agreement and statements etc.

 

 

Bank suggest as account prior to 2005, I cant go to FOS with complaint against them - but can against Axa??

 

 

If I wish to proceed and reject their decision

- poss small claims

- do I go after the insurer or bank as original creditor?

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well you need to do a bit of a resit for now

so this was a store card?

with GE money?

and who's store?

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

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

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

You do need to get a move on if you are going to be escalating your claim to the FOS. Aside from which, the FCA have advised there is now a deadline for PPI claims - August 2019.

 

Although as I understand it, "We fight any claim" are or have taken the FCA to court according to an article I found online dated March 2017.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ideally you need all the statements for the FOSrunning sheet to work properly

you can use the fos CI one to get an idea with limited info

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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Although as I understand it, "We fight any claim" are or have taken the FCA to court according to an article I found online dated March 2017.

was initially rejected, some recent info re

http://www.insurancebusinessmag.com/uk/news/breaking-news/we-fight-any-claim-battles-it-out-against-ppi-claims-deadline-75757.aspx

https://www.ft.com/content/f221941a-89b6-11e7-8bb1-5ba57d47eff7

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  • 1 month later...

I am considering starting a small claims action - to recover mis-sold PPI premiums from apprx 20 years ago!

 

Please can someone advise as to whether I have to calculate/show the interest element I am asking for in restitution

- or do I just show the value of premiums paid and ask the Court (if my claim is successful!) to award interest as they see fit?

 

Equally, if I have to identify value of interest

- do I use statutory or ask Court to award compound interest in restitution

- calculated at contractual rate of agreement (15%) charged to date of claim

(even if I could do this - am concerned that 'compound' calculated over 20 years on few hundred pounds could take my claim over £10k - therefore no longer being able to be considered in Small Claims track? Very confused!!

 

All help much appreciated!!

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firstly,

have a look at the fos site re how they calculate ppi redress.

as that wld probably be considered in any claim.

 

generally, it's not simply a case of adding stat interest and compund interest to the amount of premiums paid.

the history of the account would need to be looked at, and if not fully available then a reconstruction.

 

also, generally, interest amounts claimed should not count re the technical value of a claim for the purposes of track.

 

interest should usually be set out separately on a claim form as per the civil procedure rules.

is there a background thread on this, have you exhausted complaints and fos.

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the fosrunninsheet will do it all for you.

you cant charge them at their interest rate after they stopped charging it.

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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Many thanks Ford. I feared it wouldn't be simple!!

Yes, have exhausted route with 2 banks - made original complaints (via Resolver) but one bank claims I have not had PPI on my account - despite my providing copies of statements that clearly show I have! Have queried several times - but they are holding their position and stating thats their final decision? The other bank state I requested PPI on telesales call - which I definitely did not (took out in-store for storecard with pre-ticked application form). I considered escalating through FOS but varying reports/experience on their level of expertise in resolving matters - so issued an LbA to banks and thought I would try and pursue via small claims procedure??

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... I considered escalating through FOS but varying reports/experience on their level of expertise in resolving matters - so issued an LbA to banks and thought I would try and pursue via small claims procedure??

 

maybe should've tried the fos first, never know. which banks, why 'resolver'?

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