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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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Length of time between default and ccj


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Hi

 

I'm looking for a bit of advice regarding a debt collection agency that is hounding me at the moment...

 

I have a few very old debts,credit cards and Catalogue debt that will be statute barred come December but this debt collector is now planning to issue CCJ's on them...

 

There's a couple of these debts where i have grounds to dispute them as they are actually not my fault as the originally company just didn't attempt to take any payments off me for over 12 months and when they realised they demanded all the back payments all at once...

 

My question is are there guidelines on how long it should take a dca to go for CCJ's ??or can they effectively stretch the effects of them out on your credit file over 12 years by waiting the 6 years before issuing CCJ's which will then last for another 6 ???

 

Thanks

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moved to DCA forum

not sure why you posted in the bailiffs forum

 

a DCA is NOT A BAILIFF

and have ZERO legal powers.

 

when did you last pay anything to these debts?

list them please

 

original Creditor

when taken out

what type of credit

last payment date

whom owns it now

credit file defaulted date

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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hope this doesn't end up like all your other threads

never resolved as you never bother to update them....

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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Tell us what is going on then

 

We cant properly advise if you dont tell us why you are asking such vague questions as this thread

 

So tell us ....

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

Again sorry but i thought the question was pretty simple not vague....perhaps its the way i phrased it.

 

The last few debts that haven't got CCJ's against them are coming up to statute barred as i stopped paying my debts in December 2012..

 

All i was wondering is if they were to gain CCJ'S this close to the 6 years would they be able to chase me for another 6 years and would it still affect my credit file, not that it would bother me much?

 

There's nothing i can do about it i was only looking for the answer.

..i can't afford to pay them anything as my financial situation is about to get even worse because my wife is being made redundant in two months and we're barely managing now...

 

I know that there's a timescale for a default to be registered and thought they may be such guidelines about how long it should take for them to go for a CCJ ?

Edited by honeybee13
Paras
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whos tells them its SB'd?

doesn't stop them getting a Backdoor CCJ if they don't know where you live

i'e you never told them or the original creditor in writing you have moved

 

everything will be filed to an old address , 1st thing you'll know about would be bailiffs at your door.

 

use the red toolbar search CAG box

 

backdoor CCJ

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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what I also meant to say is tell us about all these issues/debts you have

I bet there are some we can help with rather than being resolved to your fate, which you appear to be portraying...that theres nothing you can do about them

let us help you.

 

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

I'll tell them it's statute barred when it's time to do so....

 

i've been at the same address for 15 years i haven't moved,

they know exactly where i am as they were sending court bailiffs to my address most of last year,

they had to change them as after i spoke to one they never came back because there's no money to pay them...

.plus the burnt out cars on my street i think scared them off...

 

i got into way too much debt towards xmas 2012 and sent all my creditors letters asking for reduced payments and giving them my income and expenditure breakdown and to date i've still not received a response off a single one in fact one even raised my interest rate afterwards.

 

.. luckily i can go back on my online banking and the last payment made to any of them was December 2012...

so i know the last one will be statute barred at the end of this year..

 

They have got three CCJ's according to my credit file which is why they sent the court bailiffs last year..

 

I'm resigned to my fate as apart from two of my debts they are my fault i just couldn't service them all and those two if push comes to shove i will defend in court or at least point out why i don't owe them, thats if they'll actually transfer the cases to a local court this time unlike the last CCJ which i requested by moved but somehow was still rubber stamped in Northampton...

 

As i said i only really wanted to know if there were timescales about when they need to apply for the CCJ's or can they make them last almost 12 years by leaving it till last minute before doing so ??

Thanks

Edited by mabski
changed to make more sense
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ok good that explain a few things.

at least you will get notification...probably a letter of claim...ideally if you do you shouldn't ignore that one:madgrin:

 

once the defaulted date on a debt reaches 6yrs, the whole account will vanish from your file

obv that doesn't equate to the owner not being able to still do court..

and as with the two CCJ you have, they'll show in the public record or judgement section for a further 6yrs, but the debt itself, again as you've probably noticed, does re appear on your file, just 'a CCJ relating to the debt.

 

once you hit the state barred date [6yrs from payment or last time you wrote and signed a letter]

you can send our statute barred letter

following that they should back off under the new conc FCA rules

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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" As i said i only really wanted to know if there were timescales about when they need to apply for the CCJ's or can they make them last almost 12 years by leaving it till last minute before doing so ??

Thanks "

 

No limit as such...they will try to refrain for as long as possible before it goes statute barred...so 6 years....then they can run up section 69 interest (8%) within any possible claim.

 

But some still issue claims that are statue barred.....because you would be surprised how many people dont even know what statute barred means.

 

Default Markers and CCJ Markers are not connected ...they can only show for 6 years.

 

 

 

Andy

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