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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • 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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CCA Help & Advice


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Hi, *deep breath*

 

I am new to the forum so hello everyone, can i say what a great resource of information this place is i have been lurking and reading up the past few weeks and it has helped me massively and made me realise a few things too:)

 

I have been on a DMP for just over 10 years trying to payback a whole load of debt i ran up years ago (i wont go into detail, long story short i was young, naive and the crash in 2008 crippled me when all the discounted mortgage deals got pulled the day before my discounted rate with NR ended), anyway... i have only recently found out about CCA requests and as most of my debts are old and with DCA's i have decided to do some digging...

 

I have sent off a whole bunch ofthe CCA requests today recorded delivery with postal orders for £1 in each.

 

I am wondering what the likely reaction of the companies will be? I am still paying into my DMP and intend to continue doing so for now, are they likely to get uppity at my request and start adding interest and charges again or worse? I am a bit worried about that to be honest.

 

Below is a list of the DCA's and the approx amounts they say i owe, any info about how they are likely to respond or what i should do next would be great guys.

 

Cabot Financial (Europe) Ltd - 4k

Cabot Financial (Europe) Ltd - 2.5k

Cabot Financial (Europe) Ltd - £700

Clarity Credit Management Solutions Ltd - 1.3k

Link Financial Ltd 1.1k

Link Financial Ltd - 2.9k

Moorcroft - 1.1k

Paragon - 1k

Paragon - 1.3k

Wescot Credit Services - 8k

 

I have looked back and know i have more than paid back what i originally borrowed, this has been going on for nearly 10 years now and i need it to be over i think the bulk of the alleged outstanding amounts will be due to interest charges ect... but i just let the DMP deal with it for years and didnt take much notice..i also moved from CCCS to Payplan a year ago when i was toying with the idea of IVA which i didn't end up doing as wouldn't have been right for my circumstances :(

 

Any help/advice appreciated. Thanks again for being a great resource for information.

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no dca can add any charges nor interest - they are not the original creditor and are not bailiffs

so have ZERO powers to do anything.

 

shame you've been cash cowed for so long and have probably been unnecessarily paying them for 10yrs

oh well atleast they wont be able to have their free holidays so easily now

 

they have 12+2 working days to comply

as soon as they fail you stop paying each one or the lot.

 

whos the DMP with?

not a fee paying lot I hope!

 

moved to the debt self help forum

 

welcome aboard

I can see £1000's being written off here already.

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, yes i wish i had found this forum and known about this earlier most have been with DCA's now for 9 years or more :/

 

I am on a free DMP with payplan so not paying anybody for that thankfully and was previously with stepchange,

i have asked both of them to send me all of the payments i made to them over the years so i can start to trace everything back to the original creditors and original amounts owed against what i have paid to date.

 

I will post further as and when i hear back from them, feels a bit weird but i am in unchartered territory here so appreciate all the advice anyone can give.

 

Thanks again :)

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ggod job..

 

just remember as soon as each fleecer fails the 12+2 working days timelimit

you are quite within your rights to stop payments.

 

It might well transpire that you cancel the whole PP DMP

as most will fail at the same date.

 

sadly these orgs do nothing to check enforceability like you are now

they just recommend paying as they get a cut.

 

make sure you didn't have their version of PPI too!!

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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Yes i am looking at PPI too,

there are also a couple of old bank accounts too with Santander on the DMP,

i am not sure what to do with those,

one was an original overdraft of 1300 plus but is down to 149 left so not too fussed,

the other one is a bit weird as that was originally 1300 ish too and they reckon the balance is currently 2349 ??

 

Also the account number and sort code listed in the DMP are different to the original acct number and sort code..

.i am going to query that with Payplan,

i have never received any statements or anything from Santander since the accounts defaulted so any advice on that would be most helpful!

 

Thanks again!

Edited by strike_back
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I would suspect these bank accounts are no longer owned by the OC and are now being paid to a DCA?

 

payplan charged some kind of PPI too so check their statements carefully

might pay you to send them a free SAR?

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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No it says these are still being paid to santander.. i find this surprising too after all this time they are the only ones not to pass the debt onto someone else.

 

I dont think i have any ppi with payplan i have been with them since Jan the bulk of the DMP years have been with stepchange..previously CCCS, never have fee's or anything ever been mentioned by either...i will look into this...stepchange are posting me everything i have ever paid them after me requesting the info today so it should show up there, thanks for the advice i didn't know they took a percentage.

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ok great

let the deforestation attack your mailbox

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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Well i have had my first letter back.

 

It is a response from Clarity about the 1.3k they allege i owe. They have returned the postal order to me and advised in the letter they have put the account on hold while they raise the matter with Cabot Financial who they are acting on behalf of. The letter also asks to contact them if i wish to negotiate a settlement in the meantime.

 

Should i respond in any way and should i keep paying them through my DMP?

 

Should i be concerned they returned the postal order?

 

Thanks.

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no you cease payment when any/all of them fail the 12+2 working days deadline for whatever reason.

 

and no you don't write at all.

 

so one cash cow account removed from the milking parlour

 

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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Had a response back from Cabot on the 4k outstanding loan, they have provided a copy of the original CCA with my signature on it ect and a full soa of all payments.. and have advised it is legally enforceable, it does look like the original agreement tbf. Not heard back from them on any of the others yet though....

 

The 8k with wescot, i have not had a response from them directly but i have had a letter from 'Lowell' who wescot are apparently collecting on behalf of (i didnt know this) it is just an annual statement though, no CCA and no acknowledgement of the request, it is the first time Lowell have ever sent me anything regarding this account...not sure what to make of that.

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Best to go start a new thread in the forum of the named original creditor and scan up the lot to one multipage pdf

Read upload

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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Hi,

 

the 12 +2 days is up at the end of this week,

here is an update on what has happened since i sent off the requests:

 

Cabot Financial (Europe) Ltd - 4k - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Cabot Financial (Europe) Ltd - 2.5k - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Cabot Financial (Europe) Ltd - £700 - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Clarity Credit Management Solutions Ltd - 1.3k - Have sent me a letter advising account is on hold whilst they contact CABOT about my request who they are collecting on behalf of not heard anything else - Thoughts?

Link Financial Ltd 1.1k - No response

Link Financial Ltd - 2.9k - No Reponse

Moorcroft - 1.1k - Received a letter from 'Arrow' advising moorcroft collect on their behalf, they have sent a statement of account with payments going back 3 years and the letter also has the name of the original creditor and the agreement number (virgin money) - no copy or mention of CCA and advises to contact moorcroft with any further questions - Thoughts?

Paragon - 1k No response

 

Paragon - 1.3k No response

 

Wescot Credit Services - 8k - Received letter from Wescot sending back the postal order and advising the account is owned by Lowell, Lowell have sent me a statement of account going back 4 years and also the name and the agreement number of the original creditor (HSPF), no copy of the original CCA and no mention of it - Thoughts? I am going to send a CCA request directly to Lowell with another postal order to see if they comply i think, would that be the correct course of action?

 

Any advice around next steps massively appreciated, i would like to offer low settlement offers to close the accounts ideally, would this be a good idea and would they be likely to accept? :)

Edited by strike_back
spelling mistake
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those that fail the 12+2 working days limit stop paying.

 

those that have returned what they claim is a CCA

scan it all upto ONE multipage pdf...read UPLOAD

 

then go start a new thread in the forum under the name of the original creditor [use the main forum tab top left and drill down]

and start a new thread there

give us the all info about the debt itself like you have here already

then attach the upload

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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