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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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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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Wandahome - South Cave Rejected a Motorhome - blackhorse reopened DD on old agreement on old PX Vehicle without consent


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Hello,

 

We recently rejected a motorhome which was on finance with Barclays Partner Finance,

 

as part of the rejection the dealership reversed the deal back to the part exchange vehicle and reopened the Blackhorse finance on the part ex vehicle without contest or confirmation from ourselves.

They also reopened a direct debit in my name.

 

Can Blackhorse do this even if I have not agreed to it,

as soon as the account was reopened (we had a settlement letter from them) we were put straight into arrears which affected my credit rating.

 

We are told the dealership told Blackhorse we had simply changed our minds however this was not the case.

Is it legal, moral, right for them to act in this way ?

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The morality of it doesn't come in question. It seems to be completely unlawful.

 

I think the first thing you should do is to send the dealer an SAR and also one to Blackhorse. You can also contact your bank and invoke the direct debit guarantee. Make sure that you explain to the bank in writing what has happened and the fact that the direct debit has been set up without your authority. I take it that you had cancelled the previous direct debit. Is this correct?

 

You say that someone told you that the dealership had told Blackhorse that you change your mind. Who told you this?

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title updated and thread moved to Blackhorse forum

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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Thanks BankFodder,

 

 

I am aware of GDPR from my line of work but can you explain what an SAR will achieve in this instance ? I cancelled the previous direct debit and I cancelled the new direct debit when I found out about it, so we actually didn't pay the new direct debit and made transfers over the telephone, to stop the credit being affected.

 

 

It was Blackhorse who told me that the reason they reopened the direct debit was because the dealership told them we had changed our minds, however they are investigating this so I assume I will get another response when they come back to me.

 

 

If we re part exchange for a new vehicle we would likely be using Blackhorse again as they are the main finance company in the Motorhome / Caravan world, could this hinder further dealings with them ?

 

 

Thanks in advance.

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Did Black cause tell you this in writing or on the phone?

 

If they told you on the phone then presumably you didn't record the call. In that case read our customer services guide and afterwards call again and tried have the same conversation. You could also try to have a conversation with the dealer – making sure that you have it all recorded as well.

 

Further dealings with Blackhorse or anyone else would be hindered if you have something negative on your credit file. If this is the case then you will have to try and undo the damage – and it won't be easy. These things are all rather mechanical and even if Blackhorse appear to be sympathetic towards you, they won't be able to do much to alter their systems.

 

I hope you have put it in writing to Blackhorse as to what has happened. You need to make sure that you let down a paper trail – everywhere. Make sure that Blackhorse understand that a new finance deal has been started without your authority.

Who's the dealer?

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I've just read the SAR info, am I right in thinking that whatever was agreed between the finance company, dealership and myself on my account number has to be sent to me. Will I see details of all conversations, documents, files etc ? This could be good information and will show the failures if I am correct.

 

 

Once I have this information what can I do with it ?

 

 

Additionally Barclays Partner Finance (rejected motorhome) had a few failings in recouping the money from the dealership who "gave them the run around". If I requested an SAR from them it will show the issues too I suppose.

 

 

But again what would I gain from this ?

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You won't know what you gain from it until you put in the SAR and have a look at what they give you. You should look at the disclosure carefully for what it includes – and also what it doesn't.

 

It's free of charge nowadays and so you should take the attitude – why not?

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I would record calls with black course if I were you. You may find them sympathetic – but once their systems kick in, they might start becoming very unimaginative about their approach.

 

You may eventually have to begin making a formal complaint about the fact that they have accepted a finance application made on your behalf and without your authority.

 

Can you explain a little bit more about why this has impacted on your credit file

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