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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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bank reversed £20k offshore fraud chargeback!! - help!!


Laurah
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Hi,

 

 

I don't know which is the right thread/forum to post in as I do not usually use forums but I need Legal help and advice urgently.

 

I won't name the bank this is concerning as the matter is currently on appeal with the Financial Ombudsman.

However, I do feel that I must take further legal action regardless.

 

 

In brief, I registered my contact details (tel number) on an online trading site, I was then telephoned by someone claiming to be from that site and that I had to register my ID with them and make an initial deposit. (I won't name the sites just yet as this is still ongoing).

 

Approx £40,000 was taken from my bank account by the debit card I registered with and provided as ID.

 

I reported this to my bank as Fraud at the end of October 2017 and the bank investigated and one week later chargedback and reversed all the transactions back to my bank account. It was confirmed to me that this was the end of the matter and there was no way my money could be taken from my account again. I then put this money into my Savings account with the same bank.

 

In December 2017 the bank had received a letter from this company/site and they took all the money back out of my savings account. I have no trace/transactions of where this is now and if it has been returned to the company/site.

 

Before the bank took my money back out of my savings account I had received a letter from them telling me they would take in 10days time. I did not receive this letter until around the 11th day and I transferred £20,000 only which was the max I could out of my savings account before the bank returned to this company/site.

 

The following day the bank had taken the remaining £20,000 from my savings account and the £2,500 I had in my current account and put my current account in £15,000 debit. My current account has been closed and passed onto debt collections and a Default placed on my credit file.

 

My employment status at the time was that I was working on a contract which required that I pay my own expenses in advance and they are then reimbursed. I could no longer work without my money or bank account and am still suffering from immense ongoing distress and mental anguish since December 2017 to the point of very seriously considering suicide and I'm receiving treatment from the doctor for depression and anxiety.

 

I am currently still not working and the £20,000 I was able to recover from my Savings account has been used for my living/bills/rent costs and is now £12,000. I have been receiving some benefits but they are not enough to cover my costs.

 

This matter was put to the Financial Ombudsman who responded that the bank had acted fairly and that they had found in favour of the company/site. This is now being appealed.

 

I had reported this company/site to my bank as Fraud and my money was rightly reversed/chargedback to my account.

The company/site that the bank has found in favour of and returned my money to (if they have returned it to them) is registered in the Marshall Islands at an address which is published in the Panama Papers, one of the biggest leaks and exposure of the rogue offshore finance industry. They are also listed on almost every worldwide financial regulators warning list - except for the UK. The trading platform provider for this company/site was raided by the FBI in January 2018 for conspiring with brokers to rig and manipulate trade losses on their sites. This company/site is widely regarded as Fraud and [problematic] by official authorities worldwide, yet my bank has returned my money to them even after I reported it to them as Fraud!

 

I have not been treated fairly or protected as a consumer by this bank or the Ombudsman.

There has been a failure by the bank in it's duty of care to me as a consumer by returning my money to these renowned [problematic] and it is not the standard expected from one of the largest UK national banks. Their negligence has caused me not only financial loss and injury but my health has very much suffered.

 

I need guidance please for legal help and advice on pursuing legal action to recover my money, approx £22,500, the loss incurred of £8,000, loss of earnings since December 2017 and damages/compensation for the financial and personal injury caused to me.

 

Thanks!

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do you have any WRITTEN evidenced from the bank upon wh they reversed the chargeback?

if not

or you've done most of this by phone

then you need to gather every piece of info you can by ann SAR to

the bank

the company

etc etc.

 

you need to name names too!!

no good hiding

too late for that.

 

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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retitled and moved to legals till we know who etc etc

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

retitled and moved to legals till we know who etc etc

 

Thankyou for your reply.

 

The chargeback was confirmed over the telephone to me.

I telephoned the bank reporting the fraud and they went to investigate, one week later they had reversed all the transactions back to my account. I telephoned the bank again and it was confirmed to me that it was the end of the matter and the money could not be taken from my account again.

 

The chargeback transactions are shown on my bank statement.

In the letter from the bank in December 2017 and in the Ombudsman's response letter:

"The bank issued a final response letter dated 21 Dec 2017 stating that it had raised a Visa chargeback claim on (Laurah's) behalf. However this was defended by the merchant for every transaction."

 

They have also said in the Ombudsman response letter that "(Laurah) noticed the transactions towards the end of October 2017 and raised a dispute with the bank. The bank raised a chargeback and provided a temporary refund while it carried out it's investigations".

 

The chargeback was raised but I was not told this was a temporary refund while they investigate! I find very hard to believe that the bank raises and credits accounts with that amount of money while investigate disputes. Had I known it was a 'temporary refund' while they go to investigate and there was risk of £40,000 being taken from my account again I would not have left it deposited in that bank account or with that bank. It was not a temporary refund.

 

Should I still request a SAR from the bank?

 

Thanks

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well you've got to do something...rather than come here +12mts later and try and get help.

chargeback is always poss temporary until the finish the investigation.

 

 

TBH you've left this really late to try and now resolve it.

why has it been 12mths?

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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