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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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Peachy response to IRL - advice please


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i raised a complaint to peachy for IRL (due to my gambling addiction at the time) they left no credit footprint at the time of applying on the 19th April (however they did on the 9th April when i didnt apply there) i admit i lied about my expenditure to fuel my habit

 

not sure how to respond to them here.

 

Dear OP

 

We are writing to you in response to your complaint we received on 13/05/2018.

We have investigated your complaint competently, diligently and impartially. We have assessed the subject matter of the complaint and would like to provide you with our views on it.

 

We can assure you that it was never our intention to harm you in any way. As creditors, we abide by our statutory obligation under the Consumer Credit Act 1974 to undertake a sound, proper and appropriate assessment of creditworthiness to assess the borrower's ability to afford the proposed credit commitment. In addition to assessing creditworthiness, we do our best to always undertake an adequate assessment of affordability.

 

Firstly, to ensure you have a clear overview of your lending history with us, we would first like to provide you with a breakdown of your borrowing with us.

 

You took out 1 short-term loan, of £100, from Peachy on 19/04/2018 and it was scheduled to be repaid in 5 instalments on a monthly basis, however, before the first repayment was due you opted to top the loan up by £200 making the total principal borrowed £300. Currently you are still repaying the loan as per the instalment schedule.

 

The affordability assessment is based on the borrower’s financial position as a whole and takes account of information that we are aware of at the time the credit is granted. As creditors, we employ the use of a variety of types and sources of information to assess affordability.

 

You provided us with the following information that you confirmed to be correct. You stated that you were in full-time employment with XXXX, earning £1300 net per month, against which you listed the following expenditure:

 

● Monthly rent: £200.00

● Monthly utility bills: £0.00

● Monthly expenses on food: £120.00

● Monthly expenses on transport: £120.00

● Monthly expenses on insurance: £0.00

● Monthly short-term loan commitments: £100.00

● Monthly credit commitments: £50.00

● Other monthly commitments: £0.00

● Total monthly expenses: £590.00

 

This left you with a disposable income of £710, which was more than enough to cover the small monthly instalments.

 

As you had also told us that you were single and living with your parents at the time, we had no reason to question the relatively low expenditure in regard to financial commitments due in respect of mortgage contracts, payments for rent, council tax, etc.

 

When you provided this information, you also confirmed that you have provided accurate information and considered potential future income and outgoings in determining your ability to repay.

 

We note that we are not obliged to ask for copies of your bank statements, however, the information we obtained from you, the customer, was compared against data received from the Credit Reference Agency and the information received from Callcredit did not suggest that you may be experiencing financial difficulties or unable to afford the loan repayments.

 

Although our use of credit reference data exceeds industry standards, we recognise that the process of assessing affordability is assisted by all of your creditors registering accurate data with Credit Reference Agencies, in a timely manner, about the performance of an account and/or settlement of outstanding debts/arrears.

 

As our credit searches did not unveil any indicators of financial difficulties we would advise you to contact Callcredit UK to check if all of your creditors have reported accurate information on your Credit File to make sure that when you make a loan application, the information received from the Credit Reference Agency is correct and complete.

 

In case you claim to have been unable to afford the loan due to commitments to other lenders then it is quite possible that the other creditors did not report accurate information which caused other lenders to be unaware of all of your credit commitments.

 

Our application form is designed to provide customers with all the information they need to make a well-informed decision about whether the loan is affordable for them.

 

In compliance with the relevant provisions in the Consumer Credit Act 1974 (as amended) and regulations made under it, we provided you with sufficient pre-contractual information before the agreements were concluded and enabled you to have the time to reflect on that information before making a final decision. You were provided with the following documents (attached)you’re your consideration:

 

- The Standard European Consumer Credit Information (SECCI)

- Adequate Explanation

- Terms and Conditions

- Credit Agreement

 

You were also advised to study these documents thoroughly to ensure you understood your obligations and rights when using our service. In the Credit Agreement, it is explained that our loans are not suitable for long term borrowing as the costs are likely to be significantly higher than other forms of lending which are designed for borrowing over sustained periods. The terms and conditions also included a separate 'Responsible Lending' section in which it is explained that it is important that you do not take on more borrowing than you can afford and you were reminded that if you run into difficulties, it is important to contact us immediately.

 

In addition, by signing the Credit Agreement, you also confirmed that you are not:

 

“a) in a Debt Management Plan (or similar scheme) or considering entering a Debt Management Plan (or similar scheme);

b) in an I.V.A or are considering entering into an I.V.A.;

c) bankrupt or considering filing for bankruptcy;

d) under notice of termination of employment, redundancy or any other notice which could affect my employment status;

e) in receipt of Statutory Sick Pay or suffering from any medical condition which would cause me to apply for Statutory Sick Pay during the period of the loan;

f) in receipt of any benefits instead of my usual wages, salary or other income declared in my application."

 

If you knowingly or recklessly provided us with information which was false or misleading about your financial situation then this made it impossible for us to adequately assess the affordability of your loan and we cannot be held culpable for not knowing about your actual circumstances at the time.

 

In addition to all of the above, borrowers should always also undertake their own assessment of affordability concurrent with that undertaken by the creditor. The onus is on the customer to provide correct information and in addition to responsible lending, responsible borrowing is also very important.

 

We are certain the extent and scope of the affordability assessments undertaken were sufficient because we considered a variety of factors before approving your loan application. There were no indicators that you may be experiencing financial difficulties.

 

We have also considered that you have only had 1 loan from Peachy, which does not indicate a pattern of frequent borrowing or dependency on our loans.

 

Furthermore, we have considered that you have not even repaid the principal sum borrowed.

 

Based on all of the above, we unfortunately are not able to uphold your complaint.

 

We recognise that this may come as a disappointment but hope our explanations have helped clarify why we are not able to uphold your complaint and we would kindly ask for your confirmation whether you consider your complaint resolved to your satisfaction.

 

This has been our final response. Should you remain dissatisfied with our explanation and the outcome of your complaint then you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.

 

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

 

You can find information about how to do this on the Financial Ombudsman Service website: http://www.financial-ombudsman.org.uk. There is helpful information about how to complain in the leaflet Your complaint and the Ombudsman which you can find at: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. We have also attached the leaflet to this email for your convenience.

 

 

Kind regards,

Peachy

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Removed Personal Info from this :)

Need to stop putting your name in here...

 

If you read our guide properly

 

1 - You would know not to respond to them

2 - You go to the FOS.

 

Looks like a template response to me... Just with some added extras?

 

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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simply trying to bamboozle you

off to the FOS time

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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Removed Personal Info from this :)

Need to stop putting your name in here...

 

If you read our guide properly

 

1 - You would know not to respond to them

2 - You go to the FOS.

 

Looks like a template response to me... Just with some added extras?

 

god i keep forgetting about the personal info, thank you.

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