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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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Seeking advice re giving my house up


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Bit of a strange one here, well I think it is! Long one too sorry.

 

We fell behind on our mortgage a couple of years ago due to my husband being out of work due to illness, hes self employed. We went to court and agreed to pay back a set amount on the arrears, this was fine for a while but we struggled and fell behind again.

 

Basically we were chasing our tails trying to cover the mortgage and the extra and simply couldnt do it. Mortgage company didnt want to know and wouldnt reduce the amount, they went to court to take the house back and we were given a date to leave.

 

We (somehow) came up with enough to halt the eviction and let us try again, but as they would not reduce the payments we still coudnt do it. I should add here that the council said a flat no to rehousing us until we were actually out on the street and as we have six children we couldnt risk having nowhere to go, hence us trying for so long to stay in the house. We also couldnt rent as due to the arrears we had bad credit history and were putting every penny onto the mortgage leaving nothing for rent and deposit.

 

Anyways, we carried on for a while, then we were given the chance to rent a house moving in with just one months rent, so we stopped paying the mortgage to pay for rent and we moved out. This was in February 09. We rang the mortgage to say we had left and they said we would hear from them. Well, we are now in June and apart from normal monthly statements, we have heard nothing and the arrears are mounting up. £5000 ish now.

 

My question is, why have they not taken the house back by now? I dont understand, if they were going to be this slow we would have held on and try and sort it, as it stands now, we are in a better position financially and could afford the mortgage, but with the arrears they are now they would want a crazy amount off the arears. I dont see why they dont just take it back, or let me add some of the arrears to the mortgage and we would move back in as I love that house dearly.

 

I just dont get it, I know we could hand the keys back, but and I know it sounds stupid, if there was the smallest chance we could ever move back in there we would.

 

Any advice or suggestions would be very much appreciated please.

 

Oh, the company is Kensington who are impossible to talk to as I just find them all a load of arrogant, patronising ...........you fill in the blanks......

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oh dear Kensington rear their ugly head again.

 

What isd happening with the property at the moment is it empty/secured etc?

 

 

Also with reference to the arrears if you make an offer of a small amount over the MP then they take you to court it is up to the court NOT the lender as to whether you are evicted.

 

I think you have to think long and hard about this. If you asked them to capatalise the arrears and recalculate your MP then you could probably afford to stay there.

 

You need to read the new protocol for lenders and also have a look at the Shelter website there is some interesting info on there.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Thanks for the advice there, the property is empty at the moment as we moved out into rented. But we go back every other day to check on it, we only moved two streets away.

 

We got this rented house by pure luck and Im just worried that if we move back in and it goes belly up, then we probably wont get the chance of rented again with our credit history and lack of deposit etc.

 

Its so hard because when we go back to check the house just makes me want to move back even more, its nothing special or in a posh area or anything, but it was ours. Kensington are such arses to talk to and I just dont understand why they have not contacted us, even by phone? They have all the numbers etc. Just dosent make any sense to me. I dont want to hand the keys back if there is a chance to save it, would just feel like throwing it away, I think we both assumed they would have repossesed it by now. They certainly didnt hang around the first time they took us to court!

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Hi there, I know Kensington have set up a special team to deal with cases like this. I'll try and find out the number to ring.

 

Back shortly.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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in the meantime try doing an income and expenditure spreadsheet on your current circumstances to see what you could reasonably afford.

 

do you have equity in the property do you think?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi, you need to contact the Special Services Team they are based in Reading - 0800 111 020 and ask to be put through to them.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

 

We rang them yesterday and they said as yet they have not started any action against us?? (Why Ive no idea)

 

They said if we pay 3 months mortgage payments on time with an amount off the arrears, then after the three months they will let us capitalise the arrears and recalculate the mortgage payments.

 

We have to tell them by Thursday (tomorrow) what we are offering off the arrears and tell them over the phone our income/expenditure.

 

Whats do you make of that? What are the chances of us moving back in, giving up this rented house and them actually sticking to what they said. I know how underhand Kensington are and dont trust them one bit, but I do want my house back. We have till tomorrow but will be ringing them today as we just want to know what is happening, its driving us nuts!

 

Would you take the risk?

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You need to get that offer from them in writing - either email or letter. Fill in the affixed budget sheet to see what you can offer towards the arrears.

Remember when you are filling it in that the amount you are offering towards the arrears is the amount left over after everything else has been paid and make sure it is what you can afford (not what you think they'll want) for the next three months.

 

If they can give you what they've said in writing then it's probably worth taking the chance. But you do need to get it in writing.

Budget Sheet.xls

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Thank you so much for the advice, its very much appreciated.

 

I will be getting it in writing as I just dont trust them one bit.

My husband will be ringing them in a few minutes to make the offer, I personally dont think they will accept it as in the past they have wanted silly money off the arrears.

The debt guy they send out to you went through our expenditure (last year) and worked out we could afford to pay the mortgage and the mortgage again each month, yeah okay, if we could afford over a grand a month mortgage we would be in a better house in a much nicer area!! I refused to see him the last time they tried to send him out to me. And to pay for the pleasure of his visit too, fantastic.

 

But we will see, I will update when we have an answer, good or bad.......

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Please do let us know what they say :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Well, our offer was accepted and it will be put in writing in the post to us!!

They did actually say that they have so many people in arrears that they are not refusing any sensible offers of repayment from anyone.

 

So, very VERY happy here and looking forward to going home again!!!!

 

Cant thank you all enough for the advice given to me here!!!!

 

Off to start collecting boxes to move........again!

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Wonderful news! I had already heard of someone else in your position being allowed back to their property under a payment plan agreed with the Special Services Team, but didn't want to get your hopes up in case you couldn't get the same deal.

 

Make sure you keep that letter from them in a VERY safe place, in fact take a photocopy as well and keep that somewhere else.

 

Let us know when you get back into the house - I do hope you will be happy there for a long time to come :)

 

Ellx

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you, we will be happy there for a long time, we always were happy :)

 

It wasnt the Special Services Team that we dealt with, it was the Litigation people. So although they had not started action against us yet, I think they must have been about to soon.

 

Think we contacted them just in the nick of time ;)

 

Thanks again, just shows that even with heavy arrears there is still hope and its still worth a try, my arrears at the moment are £5993, so we have a long way to go, but we WILL get there :D

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