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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!
    • 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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Going mental-69 k of debt.


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Have 69 k of credit card debt,

all other priority debts are been paid ..

...mortgage,securedloan,gas,electricity,council tax etc.

 

This debt had built up over time as husband was made redundant a few times in several years.

 

Have still been paying cards,

some I have been robbing Peter to pay Paul with.

 

Have defaulted by one month a couple of times but bought up to date.

 

My question is

can I ask for a CCA on accounts while I am still paying them or do I have to default

and if I do ask and they have proper documentation can they then ask for all monies under the agreement at once.

 

 

Thanks.

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Kaze - Welcome to CAG

 

Take a step back and do this one by one.

 

Please list all debts and amounts and we can help :)

 

Its a lot of money but with the right information - We can help keep them at bay :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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.

 

My question is

can I ask for a CCA on accounts while I am still paying them or do I have to default - you can CCA at anytime but if they are post APR 2007 not much point really.

and if I do ask and they have proper documentation can they then ask for all monies under the agreement at once. - no

 

 

Thanks.

 

 

list your debts please as advised

 

 

type of credit

original creditor

when taken out

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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Also if you are struggling to meet repayments, ask your creditors for a payment break or a reduced amount for a set period. Never pay more than what you can realistically afford.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thankyou,

 

barclaycard(mine)£10,500

lloyds(mine£)6,293

asda creation(mine)£8,000

mbna(mine)£ 348

fluid(mbna)(mine)£1307

mbna(rspca)(mine)£2573

halifax(mine)£495

bank of scotland(mine)£490

tesco(Husband)£6,450

post office(husband)£8127

lloyds(husband)£3400

barclaycard(husband)£6120

mbna(husband)£10,500

virgin(husband)£990

 

Do not know when taken out,some will be pre 2007 I am sure,have asked mbna to reduce payments or freeze interest even on the small debt of £348 but not had any help.Thanks in advance for help.

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You can find out account starting dates by getting hold of your credit report.

As you may know,

it is very important to know whether they were taken out before April 2007,

because of a change to the consumer credit act.

 

 

If creditors want to enforce in court a pre April 2007 debt, they need to supply a copy of original consumer credit agreement, if you defended any court claim.

 

It is going to be a long process over years,

but if you can get hold of as much info as possible now,

it will help you understand how debt collection works,

what you need to do and hopefully avoid sny traps.

 

 

Original creditors don't tend to take court action themselves in regard to unsecured debts and instead sell on the debts to DCA's.

It is the DCA's that look to make money several years down the line.

If you own any property assets, you have to be more careful.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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just to underscore one important point..

can we 100% confirm that NONE of these debts are being paid to any Debt collection agency?

are have/are paying the original named creditor above direct till now?

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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checked clearscore and experian and both give no indication of when opened,do not go back further than 60 months.Any thoughts.?

 

Contact original creditors for account start date.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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why not kill 2 birds with one stone?

 

 

look in the debt collection section of our library

 

 

there is a letter there to offer £xx for XX mts send each one that

and add to the bottom cold you please tell me the date this account was taken out please

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

Have looked in that library and started letter to them all today ,just going to do income and expenditure to get ready to go,going to contact them all first for dates of accounts.

 

All of your advice and help is appreciated and makes me feel I am not alone in this nightmare.

 

If I work out my own payment plan prorota and oc accepts can they later change their mind.

 

I know some just offer token £1 payment to each creditor but is it OK to offer more.

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very ok to offer more but KEEP IT LOW.

 

 

take control of your money DONT let them dictate

they either accept you offer

or they get £1PCM till you die

 

 

take control, DICTATE to them.

 

 

if any income is paid into a bank account [or other member account of the same group]

get it out of their hands them they cant offset.

 

 

go open a parachute account

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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dont panic. They cant do anything to you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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no very very minimal information.

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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https://www.nationaldebtline.org/EW/steps/step2/Pages/Step_2_11.aspx

 

Read that as a guide. Its pretty much foolproof3

 

you fill it in. You keep the full copy, you give the budget summary to your creditors.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Have overdraft of £ 2500 with bank,also savings of about £1805,overdraft limit is £3000,should I move some of savings to new bank account or leave to pay most of overdraft off and just start afresh.Advice please.

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Overdrafts are very bottom of the pecking list...who is the account with ?

 

 

Andy

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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