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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!
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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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HBOS and OH's card debt


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isn't it already down the court route ie they have issued a claim?

from what you say, it seems then they are unwilling to withdraw voluntarily following the continuation of payments?

civil procedure rule 14.9 outlines the procedure re request for time to pay.

some time order info http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=06_time_orders afaik, TO's can apply to all cca regulated matters.

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Hi

 

Yes it is however I'm not at all convinced they're actually aware that the payments have been restarted. My fault completely for not writing to them and just getting OH to set it up (seriously, the one time I let replying slide this happens!), but knowing how banks generally don't know their a**e from their elbow, it wouldn't surprise me in the slightest if the debt dept hasn't communicated with the legal dept (or similar). This is why I'm still thinking about whether it can be avoided by clarifying OH's willingness to pay as per one of the options on the claim form.

 

Just as an aside, I don't suppose you (or anyone else for that matter) knows if it's possible to get a genuine copy of a default notice? I honestly thought I'd seen one relating to this account, but I can't find it, and looking at dates I'd lay odds on it being issued when OH wasn't keeping paperwork. Of course there's nothing in the SAR, but also no notes of it either. What I did find was a default from another BOS account which was so wrong it's ridiculous (dated 16th, delivered 20th, remedy by 17th - all dated same month!). My thought is if BOS were chucking out this sort of toot, it's likely this one is also wrong. Only trouble is I have no way of checking without sight of an actual copy.

 

Thanks very much for the link etc, I'll do some reading tonight - last night was a bust as I didn't get back till late.

Time flies like an arrow...

Fruit flies like a banana.

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re dn - unlikely, as all they would prob have is a note on their systems showing that one was issued and therefore sent. unless you could show anything to the contrary, they would prob come up with a generic template in court saying one was issued and this is what would've been sent.

remember that a Tomlin/Consent Order usually involves that if the subsequent agreed payment subject to is not adhered to then judgment will be applied for.

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Hmm, thought so. They may have a problem showing one was sent though unless they've held something back from the SAR, as I couldn't find reference to it in the mountain of stuff they sent me.

 

With regards payments, there is no problem keeping up. It was genuinely an error (on our part) as OH was unaware there was an end date to the SO he'd set up. Circumstances meant he didn't chase it quickly, but the SO is back in place and he's ensured there is no cancellation/end date, so there is no reason that payments would be missed again. There was no attempt to not pay (I know you're not suggesting that, but I feel I should clarify!), it's just unfortunate timing that things went awry with the bank at the same time as things started getting problematic personally, which meant this got stuffed in a drawer rather than dealt with.

Time flies like an arrow...

Fruit flies like a banana.

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does then their system comms log not show that a dn was issued?

 

as you say, wasn't suggesting non payment. was just pointing out what a consent/tom order would usually involve.

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Hi again

 

Sorry for delay in replying, OH's grandmother was rushed into hosp on Friday - this has not been a good couple of weeks!

 

As far as I can see, none of the 3 BOS/HBOS accounts show a DN being issued in the logs I've received. There's one that could possibly refer to it on one of the other BOS accounts, but it's something like 4 years before a default was actually issued, and it seems to just say Def req (or similar), so your guess is as good as mine.

 

I just can't find anything in this particular account's logs though that even hints at a default letter.

 

About to call the sols to see what's what. I'll update when I know more.

Time flies like an arrow...

Fruit flies like a banana.

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hi

no worries, hope all is ok?

 

if no dn issued, and was applicable, then maybe a ground for defending? they would have to show that one was issued.

have you previously done a cca request on this? remember court deadlines.

is a time order no good? any other options?

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Hi Ford

 

Hopefully she's on the mend - she's 96 and has been taken by ambulance to the hospital twice in the last fortnight, but appears to have the constitution of a cyborg and keeps coming back from the brink! It's just very worrying for all of us!

 

I'm feeling much better about this. I've spoken to the solicitors and they've said due to the PPI, which appears to have been mis-sold, and a couple of other bits and pieces which look iffy, that we should be defending and disputing the claim in full. It helps that we can show apart from these blips in payments, OH has been paying for the last 4 years. The balance has gone down from around 9k to around 6, so he can show he's not been trying to avoid etc.

 

I've filed the acknowledgement just now (big sigh of relief there, my stress levels have been through the roof trying to work out what to do before the deadline of tomorrow), so we have another couple of weeks to sort things out further.

 

I will keep updating as and when I have new info.

 

Lexis

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Fruit flies like a banana.

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  • 2 weeks later...

Hi again

 

I just thought I'd update a bit on this...

 

It seems there may be a couple of fairly substantial issues with the paperwork Halifax have sent (in our favour), so the sols have asked for more time and are requesting docs from the bank. I'm not sure how much it's ok to explain, so I'll just leave it at that for the minute. As soon as I can post more details I will in case it helps anyone in the same situation.

 

It's not at all cut and dried, but at this precise moment it's looking better for us than them.

 

Lexis x

 

Ps - Unfortunately OH's grandmother passed away last week, so not a great couple of weeks what with that and my uncle dying.

Time flies like an arrow...

Fruit flies like a banana.

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hi lexis, sorry to read that, hope all is ok, as can be.

so, case looking favourable atm, as you say as sols involved prob better not to explain fully atm just in case.

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  • dx100uk changed the title to HBOS and OH's Card debt - Claimform received
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