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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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Lowell Claimform - old Vanquis card debt***Settled Tomlin Order***


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I had a Vanquis card up until late 2012.

I lost my job through no fault of my own and contacted them to start the repayment insurance that I was paying them for.

They didn't call it PPI, they called it something else.

I was told I could not claim.

 

I said what on earth was I paying Payment Protection Insurance for if I cannot claim on it.

I told them angrily at the time that as far as I was concerned, the matter was closed and they would not be getting another penny out of me.

 

I had the usual two dozen phone calls each day all from different numbers, but I just disconnected the phone.

In the end, they got fed up and farmed it out to several DCA's all of which I told to get lost.

 

In November last year, they sold the 'debt' to Lowell and I have had them on my back.

I said that as far as I was concerned, I was mis sold insurance and the amount was mostly made up of illegal charges and exorbitant credit fees and the matter was closed.

 

This is due to be Statute Barred in about December, but I don't think that I could hold them off that long.

 

I have heard that Lowlife now go to Court on their 'purchased' debts.

I just wonder what my next move is and would the mis selling route be the best way to do down if they do decide to go through the Courts.

 

Can anyone help? it would be much appreciated.

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No... Letter of claim is first step before claim form...

And Think you need to read up on Repayment Option Plan...

Provident have been slapped recently hard...

 

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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Just searched and it was called ROP (Repayment Option Plan).

It wasn't worth the paper it was printed on as I expected it to cover any repayments whilst I was unemployed.

I was furious at the time and just told them that I was not paying the repayments as I was insured and unemployed.

As far as I was concerned, they were a bunch of crooks.

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they send a letter before the County Court form.

I will wait then until I get that.

 

I was thinking a while ago as it wasn't called PPI,

I wouldn't be able to make a claim,

however, if I can, I sure will.

I would love to get my own back on those robbers.

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go find out when your last payment was

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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my experience with lowell/vanquis,

they passed on to solicitors,

they eventually sent court papers,

with the help of CAG ,

i filed a defence,

their solicitors told me my defence was weak and urged me to settle for a reduced some,

 

i declined and they never paid the court fee,

it was evetually struck out,

 

i received a few letters from solicitors over a few months

then a letter sthey are dropping the court claim,

 

lowell then wrote to advise they we writing the debt off, by this time it was well and truly status barred.

 

they also had a further 2 credit card debts that they purchased,

but have failed to pursue after getting nowhere with court.

.. i also had ROP and i havent gone down the claim route yet

 

hope that helps

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Thanks to everyone who has replied.

I made the last payment in September 2012 because I was made redundant at the end of that month.

 

The default notice was sometime around December 2012 because I looked at my credit history a couple of months ago when all of this kicked off again.

 

I was definitely mis sold this ROP because I was told that it would cover my payments if I lost my job.

When I tried to claim on it when I lost my job, I was told that was not possible.

I was paying for, and being charged interest on something I could not claim on and wasn't worth the paper it was printed on.

I told them that this was breach of contract and I was paying them nothing, as I was insured to cover these repayments.

 

I have received the Pre-Legal Assessment today from them, they are threatening all sorts.

 

I intend to fight Lowell every inch of the way as that amount is mainly made up of ROP, illegal charges and extortionate interest. Just wondering where do I go from here?

 

Any help and suggestions would be gratefully received.

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Then reclaim this RoP.

 

All that BS from lowlifes about 'pre-legal' is nonsense and IMO dowsn't merit a response, it's simply computer generated garbage they spit out.

 

Get that RoP reclaim in.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The only thing is that I have very little paperwork with it being almost 6 years ago.

 

Do you think I should SAR them before putting the claim in, so I have all of the written evidence.

 

However, it wouldn't surprise me that these crooks would probably put anything to do with the ROP straight through the shredder.

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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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It is a letter before legal action.

It was dated 15 February and they have given me up to 1 March to respond.

 

I am going to CCA Lowell and SAR Vanquis.

We’ll see what they come up with.

 

I fully intend to reclaim on this ROP because they were taking peoples eyes out with it and from what I have seen on the net, people have had quite good payouts. But before that, I want to get as much info off them before it suddenly goes “missing”!!.

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  • 4 months later...

Just to report back,

I have finally got the CCA back from them.

 

This has took nearly 3 months from when I first requested it.

They sent me the agreement (with no signature) just an online tick.

That agreement looks like it has been knocked together by an 8 year old.

 

It also could have been put together at any time by simply typing my name and the date on one of their agreements.

It looks very amateurish.

 

I was also send a ream of transactions.

If you add up all of the ROP, interest and the penalty charges, it is more than 3 times the original balance (sure that can't be legal).

 

I have started to become bombarded with letters again from Lowlife.

The last one I received yesterday was them very kindly advising me of how long it would take for the "debt" to be settled versus how much to pay.

Well I am paying £0.00 per month, I wonder how long that will take.

 

I am ignoring the threatograms, and waiting for their next move.

 

Could anyone who has had dealings with this lot please advise me the likelihood of them actually going to Court with this as I am thinking that some Judges may not take their business model too kindly and are fed up with dealing with cases brought by them.

 

Many thanks.

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scan up the CCA return 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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lowells are litigious,

they hope you cave in,

they push it to the last minute and if no prospect discontinue before they loose their money/fees,

 

they hope for an unopposed case to up their accounting books figures.

 

other threads and you will see how they operate.

:mad2::-x:jaw::sad:
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dx100uk - I don't have a printer scanner, but I am looking taking pictures on my phone and doing it that way. I will find a suitable app to do it and scan them up asap.

 

Old Cogger - Just had a look though a few threads both here and elsewhere. You are so correct, they do try it on don't they and when it becomes serious, suddenly back down. It's a case of who cracks first. I don't have any intention of backing down due to a) being conned by Vanquis in the first place and b) standing up to repugnant bullying vermin such as Lowell.

 

If they want a fight, they can jolly well have one. I'll have my day in Court if it is their desire.

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