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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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Rutherford & debts from 1999 pls help!!!!!!!!


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Have rec'd several letters over the past few months stating that I must pay £950 that I owe from a welcome finance agreement back in 1999.

 

As I rememebr, we didn't owe on it as we gave welcome the car back after making several payments and never heard anything.

 

Anyway have ignored all the previous letters and binned them but had a phone call tonight saying that unless I pay them £700 by saturday, theyare going to proceed with a bankruptcy order.

 

I told them that I would like to see a copy of the legal paperwork with my signature on for this amount owed and he told me that they dont have it and wont get it until it goes to court. So I asked him, did he expect me to pay £700 for a debt i didnt owe and he said that if it turned out not to be me, them they'd refund me after a month (???).

 

Anyway, I have never had a ccj registered (I am a memebr of credit expert and I cannot see any ccj's registered. Also this was from way back in 1999 before my daughter was born.

 

I dont own my own house, its a council house, I dont own a car as its in my husbands name, my compuer is on HP so what would they get from me????

 

have I left it too late after 4 months to send a letter to them??

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If you have neither acknowledged the debt nor made any payment to it then after 6 years the debt is STATUTE BARRED, they cannot chase you for it....Also you CANNOT be made bankrupt for a debt under £750 !!! they are frightening you to give in.....

 

 

Thanks for that. No payment has been made since 1999 and no contact by letter of ackowleding the debt.

 

Sorry if I sound thick but what does STATUTE BARRED actually mean??

 

many thanks for your help

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If this is from 1999 and no payments or written signed acknowledgements have been made, and no CCJ exists then it is as already stated Statute barred under Section 5 of the Limitation Act 1980;

5. Time limit for actions founded on simple contract

An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.

Limitation Act 1980 (-), [email protected], David Swarbrick, Solicitor, Wrigley Claydon

 

Send the Statute barred letter...

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162366

 

Best wishes, Dave.

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Thank you for that Dave, very much appreciated.

 

I got a letter from them yesterday and realised that the company is actuallt Ruthbridge, I could have sworn it was Rutherford. Will that make a difference to them trying to bankrupt me (not that I have anything for them to take)?

 

many thanks!

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Should have guessed it was Ruthless. They always threaten Bankruptcy. The debt is Statute barred and no amount of huffing and puffing, lies or threats can make it unstatute barred. They are talking crap. Send them the letter as DMD suggests and if they continue to chase he also does a nice line in BOG OFF letters.

 

NEVER SPEAK TO RUTHLESS on the phone or fall for any of their scams such as getting a message that you have a parcel waiting from express deliveries or whatever alias they now use. Come back here we will keep you right and get these lowlife mongrels off your back

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Send them the letter as DMD suggests and if they continue to chase he also does a nice line in BOG OFF letters.

Further to what ODC has kindly posted, I might add that once you have sent the Statute barred letter, it becomes unfair practice as per OFT guidelines on debt collection to further pursue a Statute barred debt once the debtor has stated that he/she won't pay a debt because it is Statute barred.

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Statute barred debt

2.13 This guidance applies to the pursuit of debt regardless of its age. We will be carrying out further work on this aspect of debt recovery including analysis of relevant legislation and practice throughout the UK.

2.14 In the past we have dealt with a number of statute barred debt cases governed by the Limitation Act 1980, which applies to England and Wales. Based on that experience our position with regard to England and Wales remains:

a. we accept legally the debt exists

b. it is the methods by which the debt is collected that can be

unfair as follows:

• it is unfair to pursue the debt if the debtor has heard nothing from

the creditor during the relevant limitation period

• if a creditor has been in regular contact with a debtor before the debt

is statute barred, then we do not consider it unfair to continue to

attempt to recover the debt

• it is unfair to mislead debtors as to their rights and obligations, for

example, falsely stating or implying that the debt is still legally

recoverable and relying on consumers not knowing the relevant legal

provisions, and

• continuing to press for payment after a debtor has stated that they

will not be paying a debt because it is statute barred could amount to

harassment contrary to section 40 (1) of the Administration of

Justice Act 1970.

 

Good luck & best wishes. Best regards, Dave.

 

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