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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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Lowell Finance


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hi everybody,

 

Im new to this website so looking for help!!

 

im being pursued by lowell finance over a disputed overdraft with what was the bank of scotland approx 4 years ago. I thought the issue had been dealt with but , have recieved 2 letters from lowells and today 2 phone calls (on answer machine)

Im more than prepared to rough it out with these bad boys but any tactics would be more than welcome,

 

all the best GE

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Hi, Lowells are very popular on here as I am sure you are about to find out:rolleyes:

 

They are experts at purchasing unenforceable debt.

 

You say that the overdraft was disputed - was that because of charges?

 

They are very good at sending threatograms - which is a CAG term for the endless drivel you receive through the letterbox. There are various ways of dealing with them, but can you give us a bit more information about what the alleged debt is made up of.

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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Hi goldlady,

 

the dispute with the Bank of scotland was that - at that time I lost my job I had an overdraft of approx £1500 I tried to arrange some sort of agreement with them but they kept trying to sell me a loan to cover it, and were constantly charging me for being overdrawn,

I contacted CAB I and then wrote a letter to them explaining my circumstance, recieved nothing back from BOS told CAB they said wait for reply nothing came , I moved house then country! came back to uk at xmas staying at dads untill I find somewhere to live and then letters/phonecalls from lowells start.

lowells are claiming I owe 3200.

 

goldeneye

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Hi, I think you need to write to lowells asking them to prove the debt. There is a letter on here that I can't find at this moment but hopefully one of the other guys will find it for you. You also can tell them you will not allow them to contact you by phone. If no-one else finds this info I will look it up for you.

 

If you have been abroad etc how did Lowells get the phone number?

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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Hi ,

 

thanks for your help , im really interested to no where they have got my details , I changed my bank account to first direct about a month ago as they were offering £100 to change account ,I phoned them up and asked if they had any idea how a DCA would obtain this info as they are the only institution to have any of my details, they phoned me back and said that in no circumstance would they pass on my personal details.They did however do a credit check ( which came back ok) but it makes me wonder if lowells can somehow can pick up info from this,

 

thanks for taking the time GE

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Hi well I guess if your new address was registered when you opened the account and your Dad's phone number is not ex directory then that probably answers the question. Opening the account also probably triggered something with the DCA - it seems that doing a credit search on yourself brings lots of nasty people out of the woodwork:mad:.

 

As I said before, there is a brilliant letter saying you do not acknowledge the debt and asking for them to prove it exists. I will try and find it for you.

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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Dear Sir/Madam

 

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 I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

Edit to suit and don't forget, print your name, don't sign it :-)

 

 

;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks maroondevo - it is one of those letters I have seen lots of times but couldn't put my finger on it.

 

And here is the telephone harassment letter - I needed that one a few times:o

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

 

 

[NAME HERE]

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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thanks curlyben two letters off tomorrow to lowells 1-to tell them i dont aknowledge the debt and 2-to warn them about phoning me up all the time.

ill keep everybody posted on my offensive against lowells and my claims back against BOS , thanks again for helping me getting the wheels turning:)

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hi folks,

 

i have sent off the two letters - telephone harrasment and the letter thats on this thread regarding proving the debt , these were sent on mon -recorded delivery,I received a letter saying that as i have ignored there letters(not true) they may send an "agent" round next week. whats the best course of action now ? any advice much appreciated

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Hi,

 

There's probably more chance of me turning up at your door next week :)

I would just sit and wait for more correspondence.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'm not sure about that, the 14 days apply to a CCA request.

I'll try and get someone to clarify that.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yes I am :D Sold my season ticket a few weeks ago, Romanov has ruined my year.

But I'm sure I'll be back ;)

 

Come on the J T's.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi folks,

 

i have sent off the two letters - telephone harrasment and the letter thats on this thread regarding proving the debt , these were sent on mon -recorded delivery,I received a letter saying that as i have ignored there letters(not true) they may send an "agent" round next week. whats the best course of action now ? any advice much appreciated

That would be one of their invisible laughingly entitled 'Licensed Field Agents'.

 

In the highly unlikely event of one of these muppets appearing on your doorstep then tell them to go forth and multiply. They have NO LEGAL POWER WHATSOEVER and must leave your property when ordered. Should they fail to do so a quick call to the boys in blue will ensure their speedy departure.

 

Alas this threat is just bg standard Lowells Bovine Excrement

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I have waited in many times (not) for their field agents but seems they got lost in the waving corn as they never made it!! There was the time that my postman handed me a card saying 'we called at your house today' however it kind of blew their cover - fools:o. And the doorstep collectors never made it as their van broke down due to the weight of other people's doorsteps they had already loaded up:D

 

I have yet to meet one - and I have (or had) lots of debt and lots of DCAs on my case.

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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