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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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Canada Square: want to Pay part of PPI win to a DCA **WON**


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A few months ago I enquired about PPI on some old Egg Loans I had in the early 2000's. This morning I had a letter from Canada Square with their decision.

 

On one policy did not have any PPI on it but the other 2 did and they have upheld my complaint.

 

It says the total redress is £4,256.55 but that out of that amount I am only getting £2,168.60 because of a Final Loan adjustment £1,849.17 is going to a company called Arrow Global Receivables who my loan was transferred to in 2011.

 

There is also a deduction of £2,365 listed as "Less any previous rebate paid" I was never paid any other rebate but perhaps this is something to do with my not paying off the full initial loan after entering the trustdeed?

 

To be clear I took out the loan in 2002, and increased it twice in the following year to about £11,000 total.

 

I then entered into a protected trustdeed in early 2006 which this loan was included in. The trustdeed was finished in 2009 and I had no idea that the loan account was still open.

 

I will attach a pdf of relevent info from the decision letter.

 

I know I am lucky to be getting anything at all given that I have been in a trustdeed but I just want to check that the amounts seem right and that them taking the other money off is right and fair.

 

Thank you for your help!

 

Also to let you know I did send a SAR to Canada SQ at the start of June but they didn't accept my inital change of address ID and then didn't get back to me for almost a month so the sar info will take longer to recieve. Should hopefully get it in a few weeks.

 

A trustdeed advisor (not my former trustee) has told me that she doesn't think that the payment to Arrow should be made considering I have completed a trustdeed.

 

She has advised me to call them to make it clear I have been in a trustdeed and get a reason for why this payment is being made to Arrow.

 

I am a bit worried about calling them and discussing the trustdeed in case it affects my chances of getting any payment at all.

 

At the same time it is a lot of money to lose if the payment to Arrow is in error.

egg letter.pdf

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You dont ring you write!

 

And no they cant off set to a dca.

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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So are you saying that I should send a letter to Canada Sq asap stating I have completed a trustdeed and that they are therefore unable to offset any of this payment to a dca?

 

 

Why is it better to write then to call them, is it just to have a paper trail?

 

 

Also do you know if the "less previous rebate" part looks right if I never had any pervious payment from them?

Edited by Iona777
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You write

Being able to or not is nothing to do with your trustdeed

I wouldn't mention it

 

Cant see how it still exists mind if it was part of the deed?

 

In a way they are correct but it should go to the original trustee to share out not all to '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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Thank you for your advice.

 

I still really don't understand the debt was never fully paid off under the trustdeed (I did complete the TD though) and my egg loan was sold to Arrow in 2011.

 

The Mond Case is being held currently to determine if trustees can reopen trustdeeds to redistrabute ppi payments to creditors or if that money should be reinvested in the debtor.

 

I think IVA's are different and all money should go to the creditors, the scottish trustdeed is up in the air at present.

 

I might call the FOS tomorrow and see if they can advise me further about the DCA payment and the less previous rebate issue.

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Update:

I decided to call Arrow the company to who Egg have told me they will be sending that amount of around £2000 to

they don't even own that account anymore,

they sold it to a group named Grove in 2014

 

when I called them they told me they held no record of my account

after speaking to someone from the team that deals with accounts in trustdeeds

they advised that anything as old as my trustdeed would have been discarded and not loaded on to their platform because there is no possibility of financal gain for them.

 

Both Arrow and Grove agreed that the only people who have any claim on a payment of ppi compensation would be myself or my former trustee who has already told them he has no interest.

 

I am drafting a letter to Egg now so will include this information as there is literally nowhere else for them to send this money than to myself at this point.

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  • 5 weeks later...

so how'd it go?

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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  • 2 weeks later...

so now concluded as a win?

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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