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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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machenzie hall & equidebt


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Mackenzie Hall has sent me a letter in my old married name , last used in 2002 claiming I owe £309 to RBS for a credit card debt. They bought the debt from equidebt I have telephone RBS and also been in touch with Credit Expert and they have no knowledge of this debt.

I changed my Name in 2002 and moved home in May 2003, I have been informed that the debt was sent to my following address in 2004, now in 2009 they have sent me a FAILURE TO RESPOND - NOTICE, I telephone them as soon as I recieved the letter, if I did not respond how was I able to get this information ?. I have had 4 address since this 'DEBT' in 2002 . If they can find my address why not my new name ?

I have asked for details of all transactions on the card and the dates of purchases, but I only get more demands for this debt of £309 from Dec 2002. MACKENZIE HALL has failed to respond to me, unless it is a FINAL DEMAND. I do not know of this debt and I have an excellant credit rating.

I have now sent them an E-mail also a copy of the E-mail will be posted to them informing them I will not respond to their demands or threats, I WANT the information before I part with any money. I will not be bulliied. THIS IS A [problem] AND A FISHING EXPERDITION. :evil:

Edited by gadgetgirl
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Have you made an official complaint to Mucky Hall?

 

Apart from the fact that this is not your debt even if it was the account would be statute barred a long time ago.

 

Have you considered making a complaint to the OFT and Trading Standards? You should certainly do so.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Don't worry about it.

You'll soon find your way around.

 

First things first:

 

DON'T SPEAK TO THEM ON THE PHONE.

They are (allegedly)bullies and liars who will threaten ANYTHING to get you to pay.

 

Have you EVER made a payment towards this ALLEGED debt since 2002?

Have you EVER written a letter admitting this debt since 2002?

 

First letter should be :

 

"I have no knowledge of this debt, prove it's mine or bog off"

 

DON'T SPEAK TO THEM ON THE PHONE.

 

If they come back with proof (no chance!) then the debt would be statute barred, in which case you should send the

"This ALLEGED debt would be statute barred, even if I did ever owe it, which I'm not admitting, so BOG OFF"

 

DON'T SPEAK TO THEM ON THE PHONE.

 

If they then prove you've made a payment. or acknowledged the debt IN WRITING in the last six years (which has even less chance than the above).

Then send them the CCA request letter + £1 to prove they are entitled to collect the debt. (which has even LESS chance than the above two).

 

DON'T SPEAK TO THEM ON THE PHONE.

 

OR:

since the letters are arriving in your old name, send them back "not at this address") and wait for them to write to you in you current name (then start with the "prove it" letter)

 

DON'T SPEAK TO THEM ON THE PHONE.

 

Around here, Mackenzie Hall are known as "the Kilmarnock Cowboys" - they specialise in chasing unenforceable, statute barred debt which no-one else would touch.

They also seem to employ some of the rudest, most arrogant knuckle draggers in the industry.

 

and finally:

 

DON'T SPEAK TO THEM ON THE PHONE.

Carpe Jugulum

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Thread moved here as requested.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is what I sent to them by e-mail & 1st class post:

 

I HAVE RECEIVED YOUR DEMAND FOR PAYMENT FOR £309.25

YOU STATE:

I HAVE FAILED TO RESPOND (WHAT HAPPENED TO ALL THESE RECORDED PHONE CALLS)

YOU WANT PAYMENT BY NOON 13TH MARCH, for a Debt I know nothing about.

IF THIS WAS MY DEBT, WHY HAVE YOU NOT RESPONDED TO MY REQUESTS

 

THESE ARE MY DEMANDS SO WHAT ABOUT WHAT I WANT ?

 

1: I want to know the name of the credit card

2: I want to know what was purchased on this card

3: I want the dates the items were purchased

4: I want a sample signature to compare.

5: I remind you that it is a criminal offence to demand monies that are part of a [problem]. To this effect, I am contacting the relevant authorities.

 

I have spoken to Bank of Scotland as well as Credit Expert and they have no knowledge of this debt.

I have answered your questions, I have informed you of my details and still you DEMAND payment.

 

I DEMAND THIS INFORMATION IT IS MY RIGHT.

 

As far as I am concerned, you are acting outside the law.

 

I hope that I will not hear from them again, as I know nothing about this debt, and if it was my debt!! it is now over 6 years old

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gadgetgirl had posted this earlier on the end of old thread about statute barred.

 

post said that muck hall said last payment had been dec 2002

wondered if they had said this over the phone(to be denied later)

or been stupid enough to say it in the letter.

definate proof there for ts that they are chasing a debt they know is statute barred:D

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The date was given to me over the phone otherwise I would not know anything about it. IF they record telephone calls as stated 'for training purposes' then they should by law had over these telephone conversations when asked. !!!

I am going to send all other letters back to them as "Not Known at this Address" because the name they are using is no longer my name and has not been my name for 9 years

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I have now had a reply from MAC HALL with this information.

 

This information came directly from the Royal Bank of Scotland group. You were living at Abbey Street at this time.

A copy contract has been requested, however once provided and proven in our favor charges may apply.

 

Last Pay Date - 20/12/02,

 

I have now copied a letter from this forum and sent it back to them. I have requested in writting that the case is now closed as it is over 6 years old and I have had no contact from RSB.

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This is the reply from MAC HALL

Good Morning,

May I advise you seek some professional advice rather than cut and paste text from the web.

I particularly refer to this part of the legislation.

I 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”.

It would then be up to you to provide address details when you move, to reasonably enforce this act. Failure to do so is breach of contract and as such evasion. Please ensure you have proof you have done so before continuing, as you will be asked to provide this evidence.

If you insist on continuing with this, then I ask you to put this in writing and sign it.

Regards,

Scott Hendry

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They actually committed to paper the fact that the last payment was made Last Pay Date - 20/12/02 ?

 

I knew these Scottish merkins were idiots, but this really is a classic even by their low standards. :rolleyes:

 

Don't sign anything.

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Write back and ask for their complaints procedure. Tell them you intend to make a complaint about their gross indifference to the law as it applies to debt collecting. Add if they ignore your request it will be sent instead to the Financial Services Ombudsman and all the other regulatory authorities. I would be tempted to send it in a large envelope without a stamp and marked cheque enclosed but then they would deny receipt. Send it recorded delivery and start sharpening your pencils.

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You have got them by the proverbial short & curlys that's why the idiot Hendry is all of a bluster. Besides, we all know the amount of mail that disappears within the Bermuda Triangle of the Royal Mail (the banks & DCAs send thousands that are never delivered :rolleyes: ) so obviously it must be reciprocal because the one you sent notifying them of a change of address never arrived either. ;)

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I thought you would all love to read this reply I have just received: LOL :p:lol::lol::lol::lol::lol::lol:

Good Morning,

 

Please put it in writing to myself to the address below. I have taken the liberty of closing your account, but still advise it would be prudent to get a letter in writing which is signed so that we may formally deal with your case, as E-mail is not formal.

 

Please include in your letter your reasoning for believing this not to be your, as your response quoting the statute of limitations has confused the situation. If it is not yours, why refer to the limitations act? If it is not yours and you believe you have been the victim of some elaborate fraud, then please let us know and we will do everything we can to ensure that latter is resolved for you.

 

Scott Hendry

Litigation Officer

Mackenzie Hall

Unit 1A

58 Portland Street

Kilmarnock

KA1 1JG

 

I do hope this is of help.

 

Regards,

 

 

I will not sign anything, they will have to take out my kingernails first :D

Edited by gadgetgirl
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