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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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    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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LLoyd/SCM Tomlin order - can i reduce payments?


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Hi

 

I signed a tomlin order to stay a ccj in 2013 ordered to pay £10 pm

Which was with Llodys Bank

I have adjusted amount to £5 pm as l didn't realise it had been sold to Moorcroft who are saying l have defaulted

Can they enforce the Tomlin order which was with Lloyds Tia:|

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Moorcroft dont buy debts...who are they acting for ...?

 

And no you shouldn't reduce payments agreed by way of a Tomlin Order.

 

Regards

 

Andy

We could do with some help from you.

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whom was the claimant ?

 

bet it wasn't Lloyds in 2013!!

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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SCM (Sechiari Clark & Mitchell ?

We could do with some help from you.

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Who was the claimant and the solicitors 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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Who was the claimant and the solicitors please

The claimant was Lloyds bank and they used their own solcitors they could have been those solicitors

 

SCM (Sechiari Clark & Mitchell ?

Yes these solicitors sound familiar

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Moorcroft are collecing payments and sending letters

I am thinking maybe l should pay arrears with them ? Thanks

 

so now we know

and yes if the arrears they mention equal your multiple £5 light payments

then make up the shortfall

 

just one final question please

 

who on their letters do Moorcroft state as their 'client'

if ifs lloyds/scm then off you go and pay

 

if its not then tell us who.

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

not if it breaks the tomlin.

 

who are their clients please?

 

can we see this letter please

scan it up to one multipage pdf

read upload

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

Moorcroft have said they will offer a discount can they do this ?

 

Can we have all the details please instead of being drip fed...you didn't mention any discounts in your initial post ?

 

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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Sorry the original order was in 2009 the solicitors were SCM for Lloyds Bank it was a credit card

 

I have been paying a standing order for £10 until last year when l dropped it down to £5

 

moorcroft began writing saying l had defaulted on payments and stated We have not received payment under your agreed arrangement if you are experiencing difficulties or arrangement no longer affordable ring their fully trained staff 《standard dca stuff)

 

then another a month later saying a doorstep caller would call ( never did )

 

then last month stated their client that they may be able to offer a substantial discount

 

I haven't had anything else yet

 

l dont know what to do

 

But l am worried about calling them as they ask they dont say what the discount is ....Thanks

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well no you don't call Moorcroft no never

powerless DCA.

 

now one last question

and think I've asked this 5 times now

who do Moorcroft state is their client 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

're Lloyds Bank plc is written at the top of the letters

 

but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

're Lloyds Bank plc is written at the top of the letters but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

Sorry edited clients are Lloyds Bank plc

They have stated

Our client has informed us that "@We " may be able to offer a substantial discount from you outstanding balance

This means if you are able to pay an acceptable sum within the next 14 days "We" will not persue the remaining balance of the debt ...Thanks

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well go ring Lloyds and ask about this discount then.

 

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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Share on other sites

But its Moorcroft that wants you to ring...not LLoyds or SCM...I doubt they are even aware that there is a Tomlin Order in force or the legal consequences and how to change the terms of a Tomlin Order.

 

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

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

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ignore Moorcroft!!

they only chase and are a DCA with ZERO legal powers...as all of them are!!

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

So where does that leave me with the reduced payments?

 

Can they enforce the order or should they send account back to Lloyds l don't know where l stand

 

Moorcroft cant do anything as already advised....but I would reinstate the payment to £10 pm ...its really not worth the hassle for an extra £5.......which you cant just decide to change...you have agreed and consented to the fixed payment.

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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Thank you l understand the process now think l might ring the court for advice as l,m not really happy paying Moorcroft

 

Court cant advise...nothing to advise on...ignore Moorcroft and you must not pay them a penny and reinstate the payment to £10

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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