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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!
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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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C L Finance Ltd


Cosmic55
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The problem i have is that about 4 years ago i defaulted with 2 G E Capital store cards, once they defaulted i paid them up and i beleive i may still have the satifaction letter somewhere. Checking my experian credit report they now show that they have gone back to default, the time before i checked my credit the showed as satified.

 

Does any one have the phone No for C L Finance Ltd so i can contact them.

 

Your help would be most greatful, Once again C L Finance cause me stress.:-x

 

 

Many Thanks in Advance

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Its always better to make an official written letter, rather then a phone call. Where the address should be on your experian report at the back.

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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  • 4 weeks later...

C. L. FINANCE LIMITED

Kingston House

Centre 27 Business Park

Woodhead Road

BATLEY

WF17 9TD

 

Hope this will be of help to you

Hello everyone I'm a newbie to this forum, or any forum come to that, so be patient with me as I have alot of unanswered questions that I wish to find the truth about.

 

These include bank charges, what my rights are and how I can go about my business without getting ripped of by the banking system and others.:confused:

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  • 2 months later...

hi - i understand the advice to write a formal letter but i need to speak to CL Finance really urgently as their solicitor is hassling me and i now have a court claim form. I had been dealing with payplan but they have been as useful as a chocolate teapot and i now want to try and deal direct.

Any tel no. would be really appreciated.

Thanks

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It would be a lot better to write a letter. With letters, you have a record that you can refer back to. People often say things over the phone that can be wriggled out of at a later date, or claim not to have said, or agreed to, and with an important issue like this it is a lot better to have everything in writing. Why don't you go over to the Debt section of the forum and take a look at some of the threads dealing with defaults, etc.? Someone is sure to have been through the experience that you're currently going through, and may be able to offer more personalised advice.

  • Haha 1

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Click the scales if I've been useful! :)

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I'm in a position to make a final settlement but if I write by the tim ethey get it and process it - it will have gone to court. The solicitor won't giv eme the number and are demanding the full amount plus £140 charges - not helpful when I'm already in debt. I really could do with speaking to them. how can a company not be contactable by phone - it beegars belief :confused:

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Vibrett, I can't find a number for them either. Have you received any correspondance from them? That may have a telephone number on it.

I think you need to start your own thread in the Debt section. Put down everything: what the debt is for, how much, and how long you've been paying it; precisely what the solicitor has said to you, and everything you've received in relation to threats of court. Most of the time, threats of court are just that, threats in order to get you to pay up, but in order to advise you as to whether this is bluff or not we would need more information. Start here and I'll keep bumping it until someone comes along - it shouldn't be long at all, there's always someone on the debt forum.

-----

Click the scales if I've been useful! :)

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I'm in a position to make a final settlement but if I write by the tim ethey get it and process it - it will have gone to court. The solicitor won't giv eme the number and are demanding the full amount plus £140 charges - not helpful when I'm already in debt. I really could do with speaking to them. how can a company not be contactable by phone - it beegars belief :confused:

 

Is it Lewis Debt recovery who are chasing you for CL Finance?

I presume they haven't started proceeding and are just sending you the 'Were taking you to court letters'

If you cant call them, how are they expecting you to pay them?

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That's why I thought a full account in the Debt forum would help the poster more :) If they are affiliated with Lewis Debt recovery, then my link above is correct for contact info, as the 'Lewis Group' is noted as another part of the company on the site.

 

EDIT: Hang on, got a landline number for Lewis Group's call centre - 01274 852000 (or 0870 751 3300).

-----

Click the scales if I've been useful! :)

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As a bit of a side issue as GE have not been very good with their paperwork lately I was wondering if they are selling off debts that they know they cant encorce?

 

I am with Payplan and have 2 GE accounts which throughout their history have always been paid on time, no charges added, but after a few months with Payplan they sold the debts to CL Finance.

 

Could this be their new plan?

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Thanks guys - I spok eto CL but got put through to the solicitors on the pretence of being passed to my account handler! They will take a final settlement which is the full debt or the will take 3 installments if I am willing to pay the additional £140 charges - neither scenario helps me but I seem to have my hands tied. Payplan have been terrible - I sent them a lump sum to secure full and final settlement on my debts. They told me how much would cover it and I sent that amount (15k from an inheritance) - they paid of some then came back and said they needed £4k more - I didn't have it and in the meantime they had stopped paying the monthly installments which is what has resulted in this being referred to court - argh!

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Thanks guys - I spok eto CL but got put through to the solicitors on the pretence of being passed to my account handler! They will take a final settlement which is the full debt or the will take 3 installments if I am willing to pay the additional £140 charges - neither scenario helps me but I seem to have my hands tied. Payplan have been terrible - I sent them a lump sum to secure full and final settlement on my debts. They told me how much would cover it and I sent that amount (15k from an inheritance) - they paid of some then came back and said they needed £4k more - I didn't have it and in the meantime they had stopped paying the monthly installments which is what has resulted in this being referred to court - argh!

 

Have you recieved court docs or is this just what CL or their 'solicitors' are saying is going to happen.

Have you sent them a CCA request to see if they actually have the paperwork?

Personally from my dealings with CL and Lewis this is just a scare tactic, BUT it would be better if you can find out if they are entitled to the debt.

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  • 1 month later...
Guest Mincemeat

Any news? I'm in a similar boat and am fishing for other snippits from other CAGGERs

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  • 4 weeks later...

Try Googling "CL Finance" and you will see they are owned by Cattles. Telephone number for CL is 01924 444466, but my philosophy is never to phone these bastards or answer 0870 or 'number witheld' calls. I've started a thread but unfortunately it's headed CI Finance (and I don't know how to change it!) In my case they are part of an unholy trinity involving GE Money, themselves and Howard Cohen & Co. Solicitors. Their phone number is 0113 2440597,and they are based at 29 Park Square, Leeds LS1 2PQ. Suggest you view their smarmy website Howard Cohen & Co. Solicitor in Leeds - Personal & Business. Do not use their e-mail address as printed on their letterhead as it contains a hyphen between howard and cohen, and doesn't work. Neither should you use their 0870 number (look on http://www.saynoto0870.com). For your further information GE Money is actually part of GE Capital Finance which, in turn is part of the mighty yankee GE Corporation. Wish they'd stick to constructing aero engines and power stations. Their level of integrity is such they have recently been fined £600,000 by the FSA and are in danger of having to pay back some £10 million due to the mis-selling of payment protection insurance. The only way I can link you to my thread is to quote the reference in an e-mail, but due to my lack of familiarity with computers will do so as a separate message. Hope this helps somewhat. Vandermerwe

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Oh dear, I said I was useless with computers didn't I? It's all one long line, and after consumeractiongroup it should be.co.uk/forum/debt-collection/ What follows next is 97612-cl-finance-ge-money-new-post.html. Vandermerwe

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Sorry readers, I said I was useless with computers didn't I? After the consumeractiongroup.co.uk/try adding the following: forum/debt-collection/97612-cl-finance-ge-money-new-post.html. Any offer of tuition in the ways of this incredibly useful site would be greatly (and humbly) appreciated. Vandermerwe

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Hey, sit back, chill, have a cup of tea and a biscuit,

 

The link you posted works fine, it's just been truncated (shortened) by the forum software so it doesn't take up so much room :D

Nil Illigitimus Carborundum

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  • 5 months later...

I got a letter from Howard Cohen solicitors a few days ago telling me that they were taking a provisional charge on my property pending a court hearing in January because i owe CL finance over £7000.00! I have never heard of CL finance until I got the letter! and I don't owe anyone anything like £7000... I got a letter from the land registry today confirming this action has been taken! I looked up CL finance tonight on my PC and found this site! Seems to me that the tables need to be turned on CL finance and Howard Cohen solicitors... to say that I am worried about a charge being taken on my property like this, is an understatement! (I don't have any secured loans on it so that's a start, I think) If I manage to keep myself together over this, I may go in for a counter claim. Wish me luck!

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