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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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Link/MBNA Claimform - Card Debt Poss statute barred **Struck Out**


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My dear Saintly, I am implying that in order to fit 170k of people into a corner, it would need to be a big corner. :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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hi haven't been on for a couple of days, my little sister is ill,we've just found out she needs a transplant so at the hospital for last couple of days for tests. , in reality a much bigger thing to worry about.

 

As yet nothing in the post, its horrible.

i see the postman about two doors away and feel phyically sick.

So far, not a good start to the year.

These things are hear to test us!

Can't think of anything else to say

Will keep you updated.

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Look after your family - as you rightly say a far more important matter.

 

Anyway, what can the postman bring that is so bad? Another snotty letter telling you to pay up which isn't worth the paper it's written on. I know how you feel though - even now I still hesitate before I open the mail.

 

From what you have said the debt is statute barred and there are a lot of DCAs preying on people who haven't got access to advice.

 

I am sure you will let us know when you hear anything.

 

Keep strong:)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thank you, it certainly does. Off to bed, new day tomorrow. Will keep you updated. Thank you so much for your help and support.

 

thanks goldlady and saintly. Your great. night night.

 

We have contact,

Letter states the default date was september 2002 so therefore not statue barred and they will be in contact in due course for proposals of repayment.?

 

spoke to debt line they said this is definately wrong and probably trying it on.

I'm not replying, If they were that confident surely this letter would of been a court summons.

 

They also advised that i could report them to Trading standards and someone else if the letters continue. I've got my gloves on now, i will fight this.

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I think they are wrong too. My understanding of statute barred is the last time payment was made or you acknowledged the debt. I have never actually sought to prove this point, have just read it on here many times. After all they can choose to default it when they like - and in my case I think defaults have been 'renewed' although I have never done anything about it.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Its such a weak letter, i will report them the next time they write to me.

 

They are lying, are they allowed to lie!

 

I have really researched this and know it is six years + 1 month from last payment, in other words as soon as payment is late the following month six years ago and no written contact from myself.

 

Wish they would just go away.

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don't wait for another letter - tell trading standards now. The point being that these letters are standard template letters that they've written. I'm sure you'll see a template code on the letter confirming this. This proves that it's their POLICY to send out letters that lie to people when they mention the 6 year rule. In other words it's not an over eager employee going too far. Send it now.

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I think they are wrong too. My understanding of statute barred is the last time payment was made or you acknowledged the debt. I have never actually sought to prove this point, have just read it on here many times. After all they can choose to default it when they like - and in my case I think defaults have been 'renewed' although I have never done anything about it.

 

Sorry to butt in on this thread as I have only just seen it!

 

The 6 year 'clock' for the Statute of LImitations actually starts running from a date called the 'cause of action'. This is the day on which a creditor could take legal / court action against you for a debt. This will usually be the day after a default notice expires.

 

You should usually be defaulted on a credit agreement in a 'timely' manner - it's generally accepted that this is when you have missed 2-3 payments. The default shoudl also be registered in good time - generally accepted to be within a month.

 

The onus is on the creditor to prove the debt isn't statute barred but from the information on this thread this particular debt may not be ( yet ).

 

Hope this hasn't caused too much confusion

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hi confused78,

how do i make the complaint, do i just phone my local trading standards. Your right, there is a code at the bottom, its just a system automated letter.

 

address/number should be in your yellow pages or use this website

 

Find your local Trading Standards office : Directgov - Do it online

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Well totally confused now, National debt line web sites and other web sites say something totally different to Powelll. What do I do now? I feel like screaming i thought this was Statue barred.!

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well you've paid nothing since January 2002 so ten months doesn't sound like a timely fashion in any case. The best advice for you to go on is the official advice from the national debt line - write the letter to trading standards and see what happens.

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Well totally confused now, National debt line web sites and other web sites say something totally different to Powelll. What do I do now? I feel like screaming i thought this was Statue barred.!

 

If you look at the letter below ( from the National Debtline factsheet ) it is mentioned

 

SAMPLE LETTER H

 

THIS LETTER IS DESIGNED TO HELP YOU DISPUTE LIABLITY FOR A DEBT WHERE A CREDITOR HAS NOT CONTACTED YOU FOR OVER SIX YEARS AND YOU HAVE NOT MADE A PAYMENT OR WRITTEN ACKNOWLEGING THAT YOU OWE THE DEBT DURING THIS PERIOD.

 

Your Name:

Your Address:

Date

To:

Dear Sir/Madam

Account No:

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that under the Limitation Act 1980 Section 5 "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".

I/we would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

I/we await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I/we look forward to your reply.

Yours faithfully

(Your signature)

 

I'm honestly not trying to confuse you and you would certainly have an argument that the default has been registered too late. I was just trying to clarify the Limitations Act for anyone else looking at the thread.

 

I am definitely correct though; I advise on Limitations on a daily basis :)

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thank you, will that stop legal action, can they go legal if i say i have no idea what this is for? have read other letters on this site where this company (Link Finanicial) say they don,t have to provide aggreements etc. Surely they have to provide document to the court if i defend myself, I have also seen on this site that the company i am supposed to owe (MBNA) are not very good at coming up with the original agreements, any credit card i may have had must of been applied for at least 8-10 years ago? any answers to help me sleep.

 

 

Hi

 

I have had the same problems with link...I sent them a letter and a £1 postal order asking for a copy of the deed of assignment...

 

They told me they did not have to give it me...They then tried to CCJ me...

 

I got the case moved to my local county court....Link have a habit of fast tracking in lambeth so beware...

 

I then said on the papers that....I believe that link did not own the debt as they have not provided me with the dee of assignment...

 

The court granted Link time to do so...they did not comply...CASE THROWN OUT OF COURT last year....havent heard from link since...

 

Link try to bully you with CCJS then go fast track for charging orders....They are trying to make all their debts secured debts...thus their company will be worth more...REPORT THEM TO TRADING STANDARDS AND OFT

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Hello all, I sent the letter powelll has put above. They told me not statue barred because default September 2002 and will contact me for payment in due course!, if i get a county court summons through, can i still claim statue barred and they have to come up with proof this is not?.

 

Can i put more than one defence like i have had no credit agreement, statue barred and the deed of assignment thing lloydspain has put?

 

Surely 10 months is too long to serve a default!.

 

Thank you, i do appreciate your replies even if its not what i want to hear. On the up side lost 10lbs in weight in the last couple of weeks, every cloud!

 

Forgot to ask, Whats a deed of assignment and is it easy to have changed to your local court? thanks

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Hi everyone

Got summons in post today, sent off the thing which gives me 28 days, now what do, do i defend on statue barred, (took them too long to lodge default), deed of assignment? Shall i ask them for credit agreement, haven't got a clue where to go from here. thanks

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