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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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New Lloyds overdraft charges


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Starting from 2nd Nov, Lloyds are changing their overdraft fees and rates.

There will be no charge for unauthorised overdrafts, as I understand it,

but their rates will be charged at 1p for every £7 you are overdrawn, everyday.

 

I will be switching banks, so it won't bother me.

However, today I worked out the EAR that the new rates would be equivalent to.

 

If x is your current overdraft,

after 1 day you will be charged (x/7)×0.01=x/700.

 

 

So your overdrawn balance will be x+x/700 after one day, assuming you spend nothing else.

 

 

Factorize the x out, and this is the same as x(1+1/700).

 

 

After 365 days that will be x(1+1/700)^365 = 1.68x.

Therefore, the effective percentage increase over the year is 100*(1.68x-x)/x=100*0.68=68%!!!!!!

Have I made a mistake?

 

That is an obscene rate of interest!!!

They say in the literature they sent me that this is to make it easier to understand the charges and control your overdraft, which I find extremely disingenuous.

 

 

I would argue that it is nothing more than a greedy, profiteering, cynical ploy to profit from people, many of whom (including me) may already be struggling to keep their overdraft under control, and may not realize exactly how much more it will cost them.

 

Moreover,

I have not seen anywhere in their literature a statement of the EAR or APR.

I even phoned them this afternoon and asked what the EAR of the new charges is, and she could not give a figure.

 

 

They may be calculating their rates daily, but it does not mean the EAR cannot be calculated, as I have done above.

 

 

I'm not sure about this, so maybe someone who is well versed in credit law can clarify,

but I think that may even be illegal from the quick research I did. I

 

 

think it is a requirement that lenders provide a percentage EAR or APR rate so that consumers can make meaningful comparisons between lenders.

Is this correct? If so, can you give a reference to the appropriate piece of legislation?

 

Apart from my specific questions about the legality of this, I just wanted to warn people.

I'm surprised it hasn't been mentioned yet.

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  • 4 weeks later...

I'm trapped by this at the minute too :(

 

I have quite a sizeable overdraft with Lloyds and every time i think i'll try and reduce it, something else comes up and the money i was going to use has to be used on something else.

These new overdraft fees really do me over.

 

Apparently if you're in a large overdraft the advice was to consider a personal loan instead. All well and good if they would offer one..

 

I looked at other banks but i think unfortunately i wouldn't get accepted with the overdraft elsewhere - so my options at the minute are pay a ridiculous overdraft fee, or get a high interest loan :/

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This was for authorised. If I recall the letter correctly they have removed things like unpaid item fees,unauthorised overdraft fees or the general monthly fee to try and make this horrific idea look better...

 

If you go into unauthorised you get charged at your authorised limit. E.g if your auth is 700 and you are 800 you still only pay the 700 fees.

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  • 1 month later...

I have a large planned overdraft with Lloyds and now instead of it costing me £60-£80 a month, its going to cost me £190 a month! There's no way i can afford this and they won't give me a loan! How can this be allowed? And right before xmas too! Ive no idea what to do!!!

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Amy_Elizabeth, i was in the exact same boat and had a very large unplanned overdraft. I also had a high (ish) APR loan with someone. Luckily LBG suddenly changed their minds on offering me a loan and now i have cleared my overdraft and the higher APR loan and pay overall about £80-100 per month less due to fees, interest etc.

 

It's worth keeping an eye on. On the LBG banking app if you go to the loans section it will usually say there what they think they can offer you - for ages mine was we wont offer anything, then out of the blue it changed and they could.

 

I know that doesnt help much but worth just keeping an eye on it

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I already have 2 loans with them that i've been paying for 2 years. Ive never missed a payment but they point blank refuse to help out in any way. All i can think of doing is opening another basic account with someone, having my money paid into there and asking lloyds to freeze the account and let me pay them a set amount each month for the loans and OD.

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  • 3 months later...

I have a £3k planned overdaft with Lloyds and just worked out their charges equate to over 52%pa uncompounded! does anyone have an idea what Lloyds attitude is to changing this to a personal loan - I too don't think I will get an overdarft elsewhere just now!

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  • 4 weeks later...

I have what was an agreed Lloyds Current Account overdraft of £7000 and yes its on the high side and has remained that way for many years following a redundancy.

 

The new charges mean that instead of me paying £90 per month as I was up until Summer 2017, I now pay over £280 per month. That an increase of £2300 in charges per year totalling over £3400 per annum.

 

Does anyone have any information on whether my situation is actually lawful or not and whether it is worth taking to the ombudsman? I would guess a bank switch is unlikely to be accepted.

 

Feeling particularly aggrieved as I have only ever banked with Lloyds and have done for 40+ years.

I'd appreciate anyone's help or comment.

Thank you.

Edited by dx100uk
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get out of there

open a parachute account and get your income paid into that.

its YOUR MONEY take control

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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