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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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    • 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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Lombard loan defaulted May 2003 - Just had first contact 14/06/09


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Hello,

 

First post on here, tried to search round to find my answer.

 

I had a 25k loan with Lombard Direct, it was started in Aug 2001, and I defaulted in May 2003. The loan was taken out in my personal name, but was for capital in a business. We had an agreement that the business would continue to pay the loan, but it didn't happen. I know the debt is in my name, so am solely responsible.

 

I moved abroad to work in 2003, moved back in 2005 and have moved a couple of times since. I have never had contact from Lombard or any DCA since the default.

 

I received a letter on Monday 8th June from Wescot Credit requesting I pay the full sum of 26k with immediate effect. From what I gather on here, 6 years has passed so I possibly have no case to answer?

 

I called Wescot on Thurs 11th June, to see what options I had. They asked me to put something in writing re repayment. They also asked me to pay £1.10 to 'round off the account' as there was £26,001.10 outstanding. I paid this by debit card.

 

Can I still request this to be written off by The Limitation Act 1980 as Statute Barred, or have I now acknowledged the debt?

 

I have found a letter template on here re Statute Barred, can I use this and sent to Wescot?

 

Any help would be great. I really cant afford to pay this back.

 

Thank you very much. :-)

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ask you to put some thing in writing

i bet

 

that will acknowledge the debt

 

paid by credit card

 

i do wish you would have talked to us first

 

you have acknowledged the debt

 

defaulted may 2003

 

when was the last time payment was made

 

might be statute barred

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Hmm, the crafty beggars are likely to use that £1.10 payment you made as acknowledgment of the debt in case the 6 years since last payment aren't up !

 

Send the statute barred letter (by recorded delivery) and keep a copy together with the receipt for posting. If they still insist it's not statute barred you'll need to send a subject access request which should give all information held on your account - including when the last payment was made.

 

NEVER EVER talk to them on the phone, keep everything in writing, and if they phone you before they get your letter, just say you will only communicate in writing and put the phone down.

 

Ell-enn

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hi ell-enn

 

seems the phone monkies have been given a work time learning sesion

 

Hmm, very sneaky of them:mad:

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

 

 

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ask you to put some thing in writing

i bet

 

that will acknowledge the debt

 

paid by credit card

 

i do wish you would have talked to us first

 

you have acknowledged the debt

 

defaulted may 2003

 

when was the last time payment was made

 

might be statute barred

 

Hi, last payment on the account was 28th May 2003.

 

i will send off the Statute Barred letter tomorrow, recorded delivery. I have not sent them anything in writing yet.

 

Thanks for all the prompt replies.

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No problem, keep us updated :)

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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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That's correct Maggie, but Westcot are likely to tell the poster that because he's made a payment the clock has started again (they'll assume he doesn't know). Good job he now knows different !

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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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Are you sure that £1 wasn't for a CCA request you did over the 'phone? ;)

 

Whats a CCA request?

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I assume the scenario went along these lines, you telephoned to dispute the debt citing the Limitations Act, they denied it was Statute Barred so you made a CCA request. They said it would save time if you paid the £1 by debit card. ;)

 

Once you have given your card details you have no control on what they take from your a/c so you must get in touch with your bank to ensure that no further payments can be drawn from your a/c by Wescots.

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I assume the scenario went along these lines, you telephoned to dispute the debt citing the Limitations Act, they denied it was Statute Barred so you made a CCA request. They said it would save time if you paid the £1 by debit card. ;)

 

Once you have given your card details you have no control on what they take from your a/c so you must get in touch with your bank to ensure that no further payments can be drawn from your a/c by Wescots.

 

Good thinking Sir!;)

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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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Hello,

 

I have sent off the letter today.

Thanks for all the replies, will keep you all posted.

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  • 1 month later...

Hello, quick update here.

 

Got a letter today from Wescot, advising that the default date was the 25th of June 2003, therefore the 'token payment' was received short of the 6 years.

However, thanks to the excellent advice on here, I have done my research and know that the last payment was actually made in April 2003 and this was the last time I had any contact with the OC. Therefore the debt is well & truly statute barred.

 

I have written a reply along these lines, will keep you posted.

 

Thanks for reading.

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  • 3 weeks later...

Hello,

 

Update on where I am at with this one - I hope I have received good news.

 

I sent off the SB latter, received a response advising that since I paid £1 the account was not SB and was active. I replied to this advising that I paid this £1 for a CCA request.

 

They replied saying that wasn't the case, so I then replied advising that since the £1 payment, regardless of its purpose, was taking 6 years and 3 months after my last contact & payment with the OC, it was all irrelevant.

 

They replied saying they were checking this. Then yesterday I received the attached letter, saying they had received the documentation from the OC and their were now closing my account with them.

 

Is this good? Or is it a step to something else?

 

Thanks for reading.

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They replied saying they were checking this. Then yesterday I received the attached letter, saying they had received the documentation from the OC and their were now closing my account with them.

 

Is this good? Or is it a step to something else?

 

You've won. Just keep the letter in case another DCA crawls from under a rock in the future.

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You've won. Just keep the letter in case another DCA crawls from under a rock in the future.

 

I really hope so!

 

Thanks for replying, I appreciate it.

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