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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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Marlin FS (DCA) - Urgent help needed / **WON**


heybankrobber
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Hi,

 

I purchased a car on HP in May 2001 but left my job in December that year. The car was taken back by the finance company and sold at auction leaving a balance of over just over £6000. I started paying £50 a month towards the debt on a payment card but I stopped making payments in August 2002 (confirmed by my credit reports from Equifax and Experian). A default went on both CRAs in May 2003.

 

I recently received a letter from Marlin FS, who had taken over recovery of the debt, asking for payment in full. I sent off a Statute Barred letter in the hope this would be sufficient. They have now responded saying that, "We have a computer record showing that you have made payments to this office, which in itself is an acknowledgement of the debt, we have also enclosed a copy of agreement and statement of account which concludes that you still remain liable for the outstanding balance". They also enclosed a copy of my signed Conditional Sale Agreement.

 

The 3 payments shown on their attached records are in June, July and September of 2004. I am almost certain (they have got me thinking to myself and driving myself mad!) that I did not make these payments and that their info is at best innaccurate, and at worst falsified.

 

How important are the CRAs reporting of payments towards this debt? Is this any kind of proof? Why would I have paid towards the debt a year after defaulting despite no correspondence from Marlin? And if I had, why was that not reported to the CRAs?

 

Does anyone have any help/advice they can give me, or has anyone had any experience of DCAs falsifying payment records?

 

All help much appreciated.

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OOOhhh Marlin my Favourites!

 

Send them a SAR and get them to prove you have paid anything to them... They will try anything on that shower of ****

 

Spam. :)

[sIGPIC][/sIGPIC]

 

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

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Hi Spam.

 

Thanks for that - I will give it a try so I can see what they have about me.

 

I've seen a website called Car Credit Complaints that seems to have a lot of experience with unenforcable agreements for my HP company (Credit Acceptance) and Marlin. My form would appear to be the same as some they say have been deemed unenforcable. Anyone had any experience of this?

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Do Marlin say who they are acting on behalf of?

 

They do normally get involved in bullying people out of money for unenforceable agreements... Is it actually still 'Credit Acceptance' or has the debt been bought by someone else?

 

Spam. :)

[sIGPIC][/sIGPIC]

 

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

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Hi Spam.

 

Thanks for that - I will give it a try so I can see what they have about me.

 

I've seen a website called Car Credit Complaints that seems to have a lot of experience with unenforcable agreements for my HP company (Credit Acceptance) and Marlin. My form would appear to be the same as some they say have been deemed unenforcable. Anyone had any experience of this?

 

With regards to the form/agreement could you post it up masking personal details so we can look and see if it is enforceble?

 

It would be a double whammy if it is Statute barred and unenforceable as then Marlin can then go and boil their heads!! :p

 

Spam. :)

[sIGPIC][/sIGPIC]

 

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

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Hi,

 

I purchased a car on HP in May 2001 but left my job in December that year. The car was taken back by the finance company and sold at auction leaving a balance of over just over £6000. I started paying £50 a month towards the debt on a payment card but I stopped making payments in August 2002 (confirmed by my credit reports from Equifax and Experian). A default went on both CRAs in May 2003.

 

I recently received a letter from Marlin FS, who had taken over recovery of the debt, asking for payment in full. I sent off a Statute Barred letter in the hope this would be sufficient. They have now responded saying that, "We have a computer record showing that you have made payments to this office, which in itself is an acknowledgement of the debt, we have also enclosed a copy of agreement and statement of account which concludes that you still remain liable for the outstanding balance". They also enclosed a copy of my signed Conditional Sale Agreement.

 

The 3 payments shown on their attached records are in June, July and September of 2004. I am almost certain (they have got me thinking to myself and driving myself mad!) that I did not make these payments and that their info is at best innaccurate, and at worst falsified.

 

How important are the CRAs reporting of payments towards this debt? Is this any kind of proof? Why would I have paid towards the debt a year after defaulting despite no correspondence from Marlin? And if I had, why was that not reported to the CRAs?

 

Does anyone have any help/advice they can give me, or has anyone had any experience of DCAs falsifying payment records?

 

All help much appreciated.

 

I've reported these muppets to OFT part of that complaint is for fraud by Misrepresentation! They really will try anything to get you to pay up! Can you contact your bank to see if you did make payments in 2004? I really wouldn't be surprised if they have falsified information! If they have falsified information you must complain to the OFT and I would suggest going to the Police.

Insist to the Police that it is a criminal matter.

What date do Marlin claim the account was assigned to them? Was it after 2004? If so how could you have paid them?

Take Care

Jon

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evening kh41

 

hope you dont mind posting the link

 

saves a lot of questions and gives a bit of an explanation

 

HEYBANKROBBER

 

JUST CLICK THEN FIRE AWAY WITH YOUR QUESTIONS ON YOUR OWN THREAD

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/195364-bramber-dr-daf-ltd.html?highlight=postggj

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Hi Guys,

 

Many thanks for the replies. I will try to answer all the questions as best as I can.

 

Marlin took over the account fairly early on (before 2004) but I kept making payments on the Credit Acceptance payment card I was given at the outset. As far as I knew Marlin were acting on behalf of CA. I don't remember making payments after the end of 2002 and both Experian and Equifax back that up.

 

As it would be my word against their's I am obviously very interested in the unenforcable route as that would hopefully make everything go away regardless. Any ideas how to proceed?

 

I've attached my paperwork, I'd be grateful for any thoughts anyone has on them:

 

Attachments 3 posts down, thanks.

Edited by heybankrobber
Incorrect attachments
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Looks like you may have left your address on there so best to blank these out

 

Open the file in Paint and use the rectangle with the curser to create an area round the detail you want to remove then just delete that area

Save the new doc and upload to photobucket....use the link this provides to paste into the thread so we can read it normal size

 

From what I can see the agreement looks like it contains the P-Terms so unless these are inaccurate its probably enforceable.....The SAR for the payments in 2004 is your best route as this would show whether its statute bared or not.

Live Life-Debt Free

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Honestly? That would be a huge weight of my shoulders obviously.

 

So I should be sending something along the lines of kh41's letter? Or are there actual template letters?:

 

Dear Sir/Madam

 

Re:− Account/Reference xxxxxxxxxxxxx

Assignor: D.A.F Ltd T/A Yes Car Credit

 

Further to your recent letters you sent on 11th & 12th June 09, After having an audit done on the credit agreement you supplied, I have been informed the agreement cannot be enforced. Any Trade-in or deposit has been used for the PPI insurance, not for the purpose intended and as a result the agreement is unenforceable.

 

If you maintain the agreement can be enforced, I will have no alternative but to turn the mater over to a firm of solicitors called Stevensons, as you have had prior dealings with these solicitors, costs now become an issue.

 

I expect your reply within 14 days

 

Mr x xxxxxxxxxxxx

 

One more question. If I were to involve Stephensons, how much does that sort of service cost? Just asking as I can't see Marlin just giving up! (I don't have much luck with those sorts of things!)

 

Thanks again.

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  • 3 weeks later...

Just wanted to thank everyone for their help - I received a reply today saying that I've been released from any further liabilities and my account is now closed.

 

This is a huge relief to me and I really can't thank people enough. A donation to this site (and carcreditcomplaints) is forthcoming.

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Just wanted to thank everyone for their help - I received a reply today saying that I've been released from any further liabilities and my account is now closed.

 

This is a huge relief to me and I really can't thank people enough. A donation to this site (and carcreditcomplaints) is forthcoming.

 

 

chalk up another yes car victory for the forum

 

why wont there people learn at marlin/go debt and bramber

 

you know the agreements are crap

 

accept it

 

well done on the vicory

 

you can now get on with your life and help more caggers with yes car:-)

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Have moved this to the success forums for you.

 

Well done. :)

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