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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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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car finance- default notice recd...


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Hello,

I now have the ongoing problem with car HP agreement that i am behind with. Default notices recd...

I have paid approx 2/3 of total but now cannot maintain payments- I need car so would like to keep it. They (BCT) will go for court order as I will not let go on a voulumtary basis- can i make a much reduced payment plan with the courts which would overide the HP agreement or will the courts automatically grant full repossession rights to finance company

Thanks

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LTWTL If this is going to proceed to court as they wont let you make reduced payments there are a couple of options....

 

Scan the Agreement if you have a copy and the default notice, take off personal stuff and then post up so others can advise if they think its possibly unenforceable (also depeneds when it was taken out). The default notice can also be checked that they exited the contract correct.

 

Another possibility is apply to the court for a Time order, this changes the payment amounts and you would need to prove to the courts that this is a temp change I believe.

 

S.

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If you defend the court claim (and have a good reason for non payment) it is very likely that the court will grant an order for reduced payments and suspend possession, given that you have paid 2/3 of the agreement.

 

It would be a good idea to write to the finance company asking them if they will accept reduced payments (enclose a budget sheet) it may just stop them issuing a court claim and if they still go ahead you can prove to the judge you have tried to come to an arrangement.

 

If you need help with the letter let me know.

 

Ell-enn

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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, from what you have said, you are in a very strong position as you have paid 2/3 off for the car.

 

what you can do now is,

 

phone the company who supplied the car tell them that you would like to come to an arrangement and pay what you can afford.

 

if they do not agree to this then,

 

ask them to send you a copy of the original agreement as well as for a breakdown for all the charges that makes your outstanding balance.

 

have a look through the charges and make sure nothing is in contravention to the OFT's guidance on unfair contracts and terms:

 

http://www.oft.gov.uk/shared_oft/rep...rms/oft311.pdf

 

wait for their claim to arrive

 

admit to the claim but tell the court that you have paid off 2/3's of the car and only have 1/3 left to pay off, but because of financial situations could they agree to you paying a more affordable amount. as long as your suggestions are reasonable i can not see the court ruling against you.

 

for further details have a read through:

 

Hire purchase and debt : Directgov - Money, tax and benefits

 

and also:

 

http://www.oft.gov.uk/shared_oft/consumer_leaflets/credit/oft809.pdf

 

 

 

 

 

I am not a legal expert Anything posted on this forum is for discussion purposes only. It should not be considered as legal advice. Different people have different needs and what is right for one person may be different for another. If you feel an area discussed may be relevant to you, then please seek advice from an legal expert who can advise you after finding out more about your situation.

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Many thanks for the above advice- I am on it today- can't find copy of original agreement but will request and the scan and post everything up on here..

If i didn;t need car then i'd almost certainly just give it up but i need it for my work and all i really want is to have a little longer to pay this off

Thanks again

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Many thanks for the above advice- I am on it today- can't find copy of original agreement but will request and the scan and post everything up on here..

If i didn;t need car then i'd almost certainly just give it up but i need it for my work and all i really want is to have a little longer to pay this off

Thanks again

 

Do as Ell-enn suggests and see if they will reduce the payments, also read up HERE on time orders as if they proceed to court this might be useful.

 

S.

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  • 3 weeks later...

Firstly, thanks for the advice so far…….An update..

I wrote a letter to them requesting for explanations of the charges and copy agreement- I sent this by recorded delivery…Not only did I ask for a breakdown of charges I also offered to them reduced monthly payments until I can increase. They have chosen to ignore my letter and instead sent another ‘FINAL DEMAND’- 7 days notice or repossess car.

I received another letter yesterday but it seemed to totally ignore my letter as they make no reference to it. This latest letter goes on about 7 days only to sort and ‘FINAL DEMAND’ at top of it.

  1. 2 things now- the letter I sent requesting the information was only a standard letter I’d written and not an ‘official request’ as per some examples on this site. Should I also send an official letter with the £1 postal order – please could someone advice which letters I should be sending as I don’t want anyone to repossess car after 7 days
  2. Secondly- as they are just ignoring my letters/ emails etc- will they be able to just repossess car

I really want them to come to some sort of arrangement but they don’t appear interested..

All help very much appreciated

Thanks

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You need to write to them enclosing a copy of your letter and proof from the Royalmail website that they received it.

I'm just leaving the office - I'll come back to you later this evening.

Ell

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Hi - send them this by recorded delivery:

 

....................................................................................Your address

 

Date:

 

Their Name & Address

 

 

 

 

 

Dear Sirs,

 

RE: Account No: XXXXXXXXXX

 

I am in receipt of your letter dated XXXX regarding the above account.

 

I wrote to you on XXXXX (copy affixed) which you received on XXXX (proof of receipt affixed), regarding a change to my financial position and making an offer of reduced payments until my situation improves. To date I have had no reply.

 

I note from your letter that you intend to repossess the vehicle under this agreement. I would advise you that I intend to defend any action for possession and having taken advice I am aware that, having paid more than 2/3 of the agreement, you would require a court order to repossess. The fact that you have not responded to my request will also be reported to the court in any defence.

 

I trust you understand my position in this matter and that you will be able to respond positively to my request for reduced payments.

 

Yours faithfully,

 

 

XXXXXX

 

Encs.

 

Enclose a copy of the letter you send and the proof of receipt from the Royalmail website.

 

Ell

Help us to keep on helping

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

 

 

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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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  • 3 weeks later...

Good result - well done for standing up 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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