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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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DCA has been CCA'd


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Many thanks Babybear for all your support through this journey. I will keep this thread updated. I still have to SRA the CRA :wink:

 

THE FIGHT CONTINUES!

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I am on holiday as of tomorrow for 2 weeks and am thinking of sending this as a response.

 

 

Dear Sir/Madam

 

Re: − Account/Reference Number xxxxxxxx

 

With reference to the above agreement, thank you for sending me a copy of this credit agreement.

 

I understand that we are now in negotiation of the above account as you have now proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider borrowing me the funds for a FULL and FINAL settlement.

I am now on holiday until the 25th July and await your response on my return.

I enclose a cheque for the first payment in good faith.

 

I look forward to hearing from you.

 

Yours faithfully

 

 

Some feedback would be great.

I have not got the plague, just a CCA :lol:

 

Not nit-picking, well I am really but your family would be willing to "lend" you the money rather than "borrow". I think that is the right way around, you lend from and borrow to, if I remember correctly. Keep up the good work, I have subscribed to this thread. And have a great holiday.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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You are so right berrylover, THANKS. ;) It is hard to concentrate when stressed. I dont even know if they will lend me the money. I just want to see what I can get the payment down to. Many thanks for your support berrylover. This site has helped me so much and it has made me Fighting-Fit. :)

 

THANK YOU ALL.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I have ammended the letter to also include communicating in writing only.

 

Dear Sir/Madam

 

Re: − Account/Reference Number xxxxxx

 

With reference to the above agreement, thank you for sending me a copy of this credit agreement.

 

I understand that we are now in negotiation of the above account, now you have proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider lending me the funds for a FULL and FINAL settlement.

I am now on holiday until the 25th July and await your response on my return.

I will continue to ONLY communicate with you in writing and any other form of communication will be treated as harassment.

I enclose a cheque for the first payment in good faith.

 

I look forward to hearing from you.

 

Yours faithfully

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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The above letter has been sent special delivery today. I felt I had no choice with them producing a CCA.

Thats me off to Ireland tomorrow on holiday and I will raise a glass of the black stuff to you all. ;)

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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  • 2 weeks later...

aren't you not meant to send a cheque because of the signature though?

I recorded HFO threatening to add £100 interest on the spot to a £120 owed debt :cool:

 

I recorded HFO breaking the data protection act and admittidly breaking the telecomms act :cool:

 

Oh how funny? HFO called me with a £20 settlement fee for the "inconvenience" and sent me a fabulous letter to confirm the debt is now settled :p

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aren't you not meant to send a cheque because of the signature though?

 

We advise against use of cheques unless you get someone else to write one for you as it has been rumoured that less scrupilous DCAs and bank use photoshop to add signatures to credit agreement and official documents ;)

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Argh thats a nightmare.

 

Whats the best way to pay a company, for example, HFO?

 

I don't want to pay over the phone-have already had a load of rubbish over the phone from them AFTER a payment arrangement was made.

They rang ME up threatening to charge me hundreds of pounds of interest and its my boyfriends debt-not even mine. And i have no legal connection to my boyfriend either apart from the fact that we have a joint account.

 

So don't want them to get hold of my bank details again.

 

How can we pay then in the most 'safest' way?

I recorded HFO threatening to add £100 interest on the spot to a £120 owed debt :cool:

 

I recorded HFO breaking the data protection act and admittidly breaking the telecomms act :cool:

 

Oh how funny? HFO called me with a £20 settlement fee for the "inconvenience" and sent me a fabulous letter to confirm the debt is now settled :p

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The best way is standing order or postal order as you have control over the payments. Write requesting a standing order mandate and send a PO in the meantime if a payment is due by recorded delivery making a note of the PO number to check if they cash it.

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Ok. If/When they reply I will do a standing order I think.

 

That way I can just pay the lot off in one go and HOPEFULLY these cowboys will go away and I will be free to write all my complaints letters :D

 

Thanks for your help

I recorded HFO threatening to add £100 interest on the spot to a £120 owed debt :cool:

 

I recorded HFO breaking the data protection act and admittidly breaking the telecomms act :cool:

 

Oh how funny? HFO called me with a £20 settlement fee for the "inconvenience" and sent me a fabulous letter to confirm the debt is now settled :p

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Well its only £115 !

The story is: Its my bf's debt.

They rang me up because we have a joint account so they decided to harass me.

I agreed with my bf that I would deal with them for him.

I agreed to pay 57 each month for 3months to pay off the 170.

after the first payment went out with no problems-some woman rings me up threatening me because i wouldn't pay the whole lot there and then. Only a week after i'd made the first payment for him. So I recorded the call and since have had no calls.

 

Have now sent a letter asking for the agreement in writing.

 

So when I get the amount in writing-I'll write a cheque then or ask a family member to for him with the full amount.

 

I'm just worried they will try to sell on the debt again or harrass for more even when its paid off. Its only 115 owing now aswell. :(

I recorded HFO threatening to add £100 interest on the spot to a £120 owed debt :cool:

 

I recorded HFO breaking the data protection act and admittidly breaking the telecomms act :cool:

 

Oh how funny? HFO called me with a £20 settlement fee for the "inconvenience" and sent me a fabulous letter to confirm the debt is now settled :p

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I've just read your thread, and the advice given there is correct in that you need written proof of the balance before you pay anymore and also insist on proper receipts for payments received.

 

With regard to the phoncall recording you have, follow the advise given and report them to TS, the OFT, 3 and the DCA with a full transcript of the call. Make sure you keep the recording safe ;)

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Thank You. Have already made some copies of it just in case.

 

I just needed to find out how to pay...as am worried about what they will do with my card details. Thanks :)

I recorded HFO threatening to add £100 interest on the spot to a £120 owed debt :cool:

 

I recorded HFO breaking the data protection act and admittidly breaking the telecomms act :cool:

 

Oh how funny? HFO called me with a £20 settlement fee for the "inconvenience" and sent me a fabulous letter to confirm the debt is now settled :p

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Hi guys, I sent this letter on the 11th July before going on holiday. It was in response to the DCA sending me a CCA (enforceable). Some guys have all the luck!

 

Dear Sir/Madam

 

Re: − Account/Reference Number xxxxxx

 

With reference to the above agreement, thank you for sending me a copy of this credit agreement.

 

I understand that we are now in negotiation of the above account, now you have proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider lending me the funds for a FULL and FINAL settlement.

I am now on holiday until the 25th July and await your response on my return.

I will continue to ONLY communicate with you in writing and any other form of communication will be treated as harassment.

I enclose a cheque for the first payment in good faith.

 

I look forward to hearing from you.

 

Yours faithfully

 

On returning home from my holiday, I received a POSTCARD stating;

 

WE ARE URGENTLY TRYING TO CONTACT YOU

I WILL CONTACT YOU AGAIN BETWEEN 8:00am and 8:00 pm

If inconvenient please call 08** *** ****

 

THIS IS NOT THE RESPONSE I WAS EXPECTING FROM THE ABOVE LETTER.

 

I have already sent them the I WILL ONLY COMMUNICATE WITH THEM IN WRITING LETTER.

 

Even trying to pay these numpties is hard work.

I have offered to make a full and final payment if they reduce the amount.

 

 

Has anyone got any experience in negotiating with a DCA after a CCA has been received.

 

Any help would be most gratefull.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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The credit agreement was for interest free credit. Does this mean the DCA cannot add interest to the account. Please help.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Bump. Is there no one out there who can help or offer some advice.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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HELP NEEDED

 

Would someone be able to help me with this please.

 

A DCA has provided a CCA which is forceable :-x. Now the original agreement was on interest free credit. Does this mean the DCA cannot add interest to the debt or is that just wishful thinking on my behalf. I have agreed a monthly fee (I told them what I could afford to pay) but do not want to incur massive interest charges. :confused:

 

Please HELP if you can.

THANKS

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi FF

 

just found this answer from diskmandave to the same question on a different thread>

 

Interest can only be added after default provided that there is a specific term to do so in the original contract. If not it falls clearly within the OFT's debt collection guidelines regarding collection costs...

 

So, the answer is NO.

does that help??

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Thank's sticky, my agreement is on here somewhere but I can't find any specific terms regarding interest after default.

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Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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