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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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Any info greatly appreciated on Goldfish CC, please.**REFUNDED**


bl10
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Hi,

 

Found this fantastic site via Google. I've read loads of threads / pages over the past few nights but was still wondering if anybody could help with basic info (apologies if it's staring me in the face.)

 

I've had a CC with (originally) Goldfish (now Barclaycard) since the late 90's. I was laid off last November and I've asked them repeatedly if they could help with / freeze the interest payments till I'm financially back on my feet / in work. They haven't, and the interest is crippling. I'm making basic monthly re-payments so it's going nowhere.

 

I'm completely knew to CCA requests or full & final payment letters etc etc....so first up, is it worth sending them a CCA? I'm in Scotland.

 

Appreciate any replies.

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Hello and Welcome, bl10.

 

Yes, by all means send them a CCA request...........

 

Letter 'N' in the library...................

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send recorded, with a £1 postal order and don't sign it.

 

Also, do you know how many charges they have applied to the account, these can all be claimed back.

 

If you need any more help, just ask.

 

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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Thanks very much, Scott.

 

I'll do it Monday. Dumb question, so apologies, but, do I leave the PO blank or make it payable to Goldfish or Barclaycard?

 

Thanks in advance.

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Hi,

 

I've always left mine blank, but you should make it payable to Barclaycard, or does it matter, maybe someone else would like to advise.

 

I'll move this thread to Barclaycard Forum.

 

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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OK, no problem :) I'm sure they can fill it in themselves.

 

When they reply, post up their response so others can have a look and advise.

 

EDIT: Sorry, just realised thats what you've said :rolleyes:

 

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 BL,

 

You didn't answer Scott's Q about whether you've been charged penalties on the a/c.

 

If you have, you should set about reclaiming them. Read Link No1 in my signature below. If you don't have the last 6 years statements, send BC a SAR with £10.

We could do with some help from you

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Hi Slick.

 

Yeah, there are late payment fees over the past decade on the Goldfish Credit Card. Have I read you right: I can successfully claim them back? if so, how?

 

I've also received a letter from Mercers.

 

Shall I make a payment to Barclaycard Goldfish direct whilst I'm waiting on the CCA reply?

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Hi BL,

 

Read the Reclaiming Guide at Link No1 in my signature below.

 

If you need the statements from BC, send a SAR with the £10 fee.

 

Make up your SOC on a site spreadsheet and send it to BC with this Prelim Letter - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

If BC have not replied to your CCA request within 14 days, you can stop paying on the a/c. If a pay't is due before then, you should make at least the minimum pay't.

 

Send Mercers a letter saying you've sent a CCA request to BC and M's should therefore hold any collection action.

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Hiya,

 

If your original Goldfish card was with HFC which was then transfered to Morgan Stanley and Goldfish bank then I believe you may be in the same position as me. :)

Barclaycard took mine over last year and completely ignored the arrangements I had in place and I've had to fight to reclaim interest and keep the arranged payments. Now the review time is due they've started slapping on the interest and getting stroppy.

 

I don't hold out much hope of seeing a CA because I also had a marbles account with HFC which was assigned to Phoenix recoveries last year and they still haven't produced even a T&C! My N244 is in with the judge as I type ;)

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt.html

 

Good Luck, You will receive plenty of support.

 

Regards, Spam

  • Haha 1

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Hi all.

 

Thanks for the replies and suggestions. I've made the minimum payment.

 

Here's the (bog standard?) reply from Barclaycard. 2 pager which ends... ''This completes our obligation to you under Section 78 of the Consumer Credit Act 1974. Yours Sincerely etc etc...

 

28k59ci.jpg

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I'm almost envious! :rolleyes:

 

They completely ignored the CA request I sent in April...I know they received it because I have the proof of delivery.

 

I sent them a SAR a couple of weeks ago too so I'll wait and see if they ignore that too. :)

 

Continued good luck with your quest.

 

Spam

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Hi,

 

With regards to addresses, this link is probably the best to use.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1986320.html

 

As far as the CA is concerned Have you actually received 'their idea of' one under seperate cover or are you still waiting?

 

Depending on what you have received is where you go from here. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Thanks for the link.

 

Still waiting on their ''under seperate cover'' one....as all I've received is the letter above.

 

Do I wait another 14 days? ....or have they got longer?

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Thanks for the link.

 

Still waiting on their ''under seperate cover'' one....as all I've received is the letter above.

 

Do I wait another 14 days? ....or have they got longer?

 

If you haven't received it within the statutory time limit of your request you can then send them a letter saying that the account is in dispute until such times as you receive the agreement.

 

I'll scout out a template for you and post it when I've got it. :-)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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OK,

 

This thread has two letters on it that could be useful to you.

 

One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.

 

Hope it helps.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Get the SAR sent off to the Northampton address on your statement.

We could do with some help from you

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OK,

 

This thread has two letters on it that could be useful to you.

 

One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.

 

Hope it helps.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html

 

Thanks for doing that. Great reading.

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  • 1 month later...

Hello again.

 

Just to update....I've received my 6 years worth of statements today....I'm making the minimum payment and it goes without saying they've never sent me the CCA.....I haven't sent them the Account In Dispute letter as I wanted to see if they'd repay the late fees first....

 

Is there a template letter I can send off in reply claiming all the late fees? and is it a flat 8% I've to add on to the total?...or have I read that completely wrong via other threads?

 

The letter also states...''This information (the statements) we have enclosed relating to this account is all that we hold''...is that a standard reply or an admission of sorts that they don't have my CCA?

 

As always, appreciate any replies, please.

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Hi bl

 

Slick suggested this link with regards to claiming the charges..

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

The letter also states...''This information (the statements) we have enclosed relating to this account is all that we hold''...is that a standard reply or an admission of sorts that they don't have my CCA?

 

 

That reply is a standard reply...tomorrow you could get an envelope with something else in it or an envelope with nothing in it, as in my case:rolleyes:

 

Dealing with Barclaycard is like pulling teeth... and banging your head against a brick wall...you need lots of patience.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Prelim Claim letter - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

Spreadsheets - http://www.consumerforums.com/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

In your Prelim, you don't ask for 8% Int't - this only gets added if you file your claim at court.

 

If you want to claim higher interest from them, you should do so from the outset. Read here - http://www.consumerforums.com/resources/templates-library/51-guidance-notes/233-interest-tutorial

 

Good threads including Contractual Interest to read in this forum are Mackerel's - http://www.consumeractiongroup.co.uk/forum/barclaycard/138906-mackerel-barclaycard.html

 

.... and Skintboy's - http://www.consumeractiongroup.co.uk/forum/barclaycard/171099-barclaycard-round-2-a.html

 

Read them both thoroughly - it'll serve you very well.

We could do with some help from you

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  • 2 weeks later...

Thanks Spam & Slick for the replies...

 

The Template Prelim letter was sent a few days ago....If I don't hear anything (in 14 days from the sent date?) do I send off the LBA one?

 

Thanks.

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Oh YES !!

 

;)

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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