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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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Robinson Way, surprise letter supposed abbey debt


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Hello all, a really helpful site and I’m hoping you can offer advice on a strange situation I am in.

 

Out of the blue, I received a text message (no calls) from Robinson Way, asking me to call them As I don’t deal with them or have any defaults as (just) keeping up with payments, I ignored it.

 

Yesterday, i received a letter saying I owe Abbey (I assume Abbey National) over £7000, yet I have never had a loan, card, mortgage, current account with Abbey. What is very odd is that they used an abbreviated (1 syllable) version of my first name, rather than my full first name in it’s entirety. My surname was correct.

 

What are the next steps to get RW to leave me alone?

 

Thanks for your help

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Just ignore it and try to block.

 

Probably just an error.

 

If you owed a debt of that amount, you would know about it and been chased previously,

Edited by dx100uk
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Thank you for replying so quickly.

 

I’m concerned as the letter states “we will send agents to your property to recover the debt”.

 

I have worked extremely hard after a lot of issues (in my much younger years) to get a good career and home. I don’t want my career and home life ruined by these people.

 

Is there something I can do to get them to leave me alone instead of ignoring?

 

Thanks again

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They can't do anything. If anyone comes to your home, just don't answer the door. They have no legal rights.

 

It sounds like a mass phishing letter to me

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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They send out thousands of fishing letters every week, hoping to get a bite.

 

Check your credit record history to see if anything is noted. This is to rule out a mistake having been made or identity fraud where someone has obtained finance in your name.

 

Don't worry too much as Debt Collection Agencies such as RW are powerless. If you wrote to them, they would probably ignore you.

 

Remember that unsecured debts become unenforceable due to limitation act, after 6 years of non payment and non acknowledgement. Does not stop a DCA chasing older debts.

We could do with some help from you.

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Thanks, both.

 

I hate the thought of people turning up at the door, it makes me very uncomfortable.

 

Is there any way I can ask them to prove what the debt is or does that cause more hassle? What about a letter telling them to leave me alone?

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DCA's employ commission based enquiry agents that visit some addresses to see if the debtor lives at the address and is willing to make payments.

 

Very much doubt they would bother unless they know you are definitely the debtor, because your records indicate you took out the debt and they can see from your history that you have moved to a different address.

 

Suggest that you check your credit record and then report back when you have done this.

Edited by dx100uk
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Up to you as long as your prepared for the barrage of nonsensical missives...if its not yours why would you want to ask them to prove it ?

We could do with some help from you.

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Read the letter properly..it doesnt say will anything!!

 

A dca is not a bailiff

And has ZERO legal powers

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, both, for your replies.

 

The letter states:

If you do nothing, we will advise you of further activities that may be taken against you. This could include

* collection letters sent to your address

* telephone calls may be made to numbers we have on file, including work numbers. If we telephone your work number, we will only discuss the account with the named holder

 

What I am worried about, is that I work in a sensitive environment, even if these cowboys are playing games and trying to gain money that I don't owe, I am worried that their actions could cause damage to my professional reputation.

 

Thanks again

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If this letter states an account number...which it should if its your debt and they are sure you are the correct debtor.....send them a CCA request and staple it to that letter.

 

Request can be found in the CAG library under Debt Collection.

We could do with some help from you.

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Thanks, Andy.

 

The letter has an account number on it, but it doesnt relate to any credit cards or an unsecured loan I currently have.

 

Could it be a debt from many years ago? Would I be admitting to a debt (nothing on my credit reports, CCJ's, etc.) that is no longer enforcable and causing hassle for myself?

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No you wont admit anything...its a legal request that your entitled to make...use their reference then...as thats the one they are reliant upon sending unsolicited mail to you.

 

Take a copy of their letter first then staple the original to the CCA Request..they will respond stating that they are unable to find this agreement...which begs the question why did they chase you with it in the first place.:wink:

We could do with some help from you.

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Ignore them. Theyre bluffing. Its a phishing letter theyre sending to anyone with the same name as you. The threat of people coming to your house is just that. A threat. It wont happen. Theyre just trying to scare you into paying. Say they send out 1000 letters and 10% get scared and reply. Even though only 1 person is related to that alleged debt, they now have 10 people willing to pay.

 

Dont be one of those 10. Ignore it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thanks all. Feeling slightly less stressed about it.

 

I can’t believe companies are allowed to do this, but after researching, it seems like such a common occurrence.

 

I’ll update if I hear any more from these chancers.

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Doubt you will get any response.

They will just continue to contact you until someone removes you from their chasing list and then it will go quiet, with no further contact by anyone.

 

Standard fishing trip where a debtor has disappeared and they contact anyone with a similar name.

We could do with some help from you.

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Well you can block their texts and their phone calls too if using a mobile. With landlines you can call the operator and ask them to monitor incoming calls form them and not to put them through to you. And you can write to them demanding they stop calling you and deal with you always by letter.

 

Of course if you have already written to them asking them to stop you can now complain to the ICO. At the moment I cannot find the new legislation regarding cold calling but did see this data

from the Gov. website-

https://www.gov.uk/government/news/new-measures-to-beat-plague-of-nuisance-calls

 

Sorry EB you posted while I was still doing mine.

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