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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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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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A few questions before pushing the big red "CCA default" button


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Hi everyone.

 

As some of you know, I have my CCA requests underway. Now it's all good but I am interested in knowing what the risks are. Obviously, it's never risk free. So my questions are these:

 

1. If they cannot provide a CCA, what are the chances of going to court ? I think I remember reading someone did end up going to court but came to an amicable arrangement.

 

2. If it does get to court, I understand costs can be awarded to the other side, if they win. How much can they reasonably request.

 

3. If it does get to court (and somehow they win) can they go for an order of attachment, or destroy my credit rating (even further :rolleyes:)

 

Lastly, if they do find the CCA, can you just re commence payments as if nothing happened ?

 

PPS What percentage of peeps have won when no CCA was found, anyone know ?

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Answers 1 - Some will take you to court some won't however, if they do go to court, most will hope that you curl up and do nothing, and that they will win a court case by default !!!...If they can't produce a valid CCA (WITH the prescribed terms and conditions) then the debt is unenforceable.....(but some DCA's will hope you don't know that)...

 

2 - They will get the costs of their solicitor which can be between £100 - £200 per hour

 

3 - they can secure debts by putting a 'charge' on your home....an attachment of earnings can also happen, but only if you keep missing payments after a CCJ is awarded.....

 

4 - It depends what the DCA are like, some will find the CCA and in the same letter say 'WE WANT PAYMENT IN FULL' (whether the CCA has the correct prescribed terms or not !!)

 

Not sure about the CCA cases but check out the legal successes...

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bank_robber,

 

I have never had anyone try to take me to court after I have told them I will not be paying due to missing CCA.

 

However, if they did and I ignored the letters and did nothing, they would win by default and all of the methods of collection then become possible (charge on house, attachment of earnings, bailiff and so on).

 

On the other hand, if I stay with the plan and submit a defence that the creditor has not complied with my s78 request for example, then I will win - everytime.

 

If the creditor does not have an agreement, you will win. 100% of the time.

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If you stop paying after they fail to supply a CCA and they default you then your credit rating goes out the window until/if you can get it removed.

 

although them defaulting you whilst they are in default of their obligations would be completely unlawful.

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Ok I have been naughty. I rang up Co op re: NR Credit card. The woman on the phone didn't have my letter but she said she would look into it for me. She has just come back and told me that the information has been destroyed. Her exact words were "Anything over 6 years is automatically destroyed!" :o:D

 

Now this puts me in a predicament for two reasons:

 

Firstly, unless she was lying, they wont ever be able to produce a copy of the contract. So we know we can move forward.

 

However I really could do without having a CCJ or default registered against me. How/Is it possibe to do this without getting a default ?

 

Cheers

 

Bank Robber.

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Greetings Bank Robber

 

It's not easy to avoid a default on your credit file if you don't maintain regular payments - infact I don'y know how you'd do it.

 

What we can help you with, is if they take you to court. Let's cross that bridge when we come to it!

 

Regards

 

Lantana

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If you don't break any alleged agreement ie. by not making monthly payments, they cannot put anything adverse on your credit file. Although if they don't produce a valid Credit Agreement after you've cca'd then you don't need to make payments and if you keep making payments you need not have requested a cca.

The choice is yours!

 

Good luck whatever you decide.

:)

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What I am thinking is this.

 

I have a lump sum hopefully coming to me that represents a good chunk of the debt. If they were to take say 40% in Full and final settlement, then I would be happy to do this.

 

Is it an interesting question, but to offer F&F would mean that I admit the debt so to speak.

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Do u have any proff od the telephone convo?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I don't have any proof, other than it is now coming up for a month since I sent my CCA request, well 3 weeks.

 

I guess I shall let them commit an offence, and then tell them that I intend to cancel my DD as they have provided no proof of any agreement.

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bad luck as that would have been wonderful court evidence.

 

just cancell it now and write to them as they have 12 working days from recipt and then a further 30 calendar days.

 

After 12 days the payment can be cancelled if u so wish.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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bad luck as that would have been wonderful court evidence.

 

just cancell it now and write to them as they have 12 working days from recipt and then a further 30 calendar days.

 

After 12 days the payment can be cancelled if u so wish.

 

Is that 12/30 days 'working days' or does it include weekends etc ?

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12 Working days the 30 normal/calendar days so the 30 days includes w/e

 

Working days are monday to friday only.

 

so it goes like this Monday - recieved.

tuesday- day 1

wednesday- day 2

thursday days 3

 

ETC

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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