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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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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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GE Debenhams store card sold to CL finance


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Yes indeed beachy the power of the internet, the financial organisations biggest enemy ;).

 

Well Done

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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reference the above posting, I've just edited it as I left a bit out regarding telesales staff. Think this could apply to TINK's battle with them.

, and in some instances telephone customers were provided with inaccurate or misleading information about the insurance.

 

I have found a bit more about GE and their failings regarding PPI but cant find the link so will have to get the pick axe out & go digging again ( I know - should have saved it to favourites :grin: )

 

Beachy

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  • 2 weeks later...

Morning all,

 

Letter from Santander today stating that they will not budge regarding refusal of any form of refund of ppi, through the FSA fine at them and the reply on that subject was the FSA fine was because of ppi mis selling AFTER becoming regulated, as my account was opened before they became regulated they feel they dont have to answer to anyone.

 

They also state that this is their final response as it is now deadlocked.

 

Will post up the letter if preferred, with what they have written I am starting to wonder if I have them against the ropes!

 

I would assume the only way now is a LBA?

 

Beachy

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Beachy I am in the same position, 5 storecards and the same response as you to all 5, they were taken out in 03 and they quote the fact not regulated til 05............has anyone won this battle with them ? Unsure as to whether to press ahead ?

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Ill be back on this one shortly just going to fsa site to have a read of there findings.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Right this is the full report:

 

http://www.fsa.gov.uk/pubs/final/gecb.pdf

 

Looking at it i believe we need to find out if PPI would come under the umbrella of general insurance.

 

The firm has been regulated by the FSA since December 2001 and previously by the Bank of England. General insurance policies became regulated by the FSA on 14 January 2005.

 

Because it says above they where regulated by the FSA since December 2001 but general insurance was not regulated until 14th January 2005.

 

It does also say before this they where regulated by the Bank of England not sure if you will get anywhere with them though.

 

So we need to find out if PPI comes under General Insurance.

 

Also your only other option is the courts you can limit your costs if the claim is below £5000 as this will go via the small claims court which is an easier process.

 

If it is considerably above £5000 you will need a solicitor.

 

Hope this helps.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Letter as received,

 

Dear Beachy,

 

I write in response to your letter ** July.

 

Having reviewed your recent letter and all previous correspondence, it is my understanding that your concerns are in relation to the sale of Account Cover.

 

I appreciate your comments surrounding the completion of the application, however, I would respectfully point out that, you did sign the application and this should only be signed if all the information is correct and that you understand all aspects of the Credit Application. If at any point you were unsure of what the full agreement entailed this documentation should not have been signed. Please be advised that a copy of your signed Credit Agreement was enclosed within our previous letter (unreadable microfiche - SAR revealed they no longer have the original).

 

You have explained that you have no recollection of being given any explanation in relation to the insurance ** December 1989. At the point of sale the sales assistants routinely discuss the key features and significant exclusions of the policy. However, I am sure you can appreciate it is no possible to discuss every eventuality and therefore the decision whether to proceed or not is ultimately down to the individual customer. I must also advise that at the time of the insurance sale in 1989, I can confirm there was no requirement for financial training to sell this insurance. However, all of our staff were thrained to give the features and benefits of the product, in addition, I would advise that if you were unsure of any information that was shown on your first account statement, we would expect that you contact us at this point of time, in order for us to clarify matters. Since you did not contact us to query the insurance premium charged, the relevent insurance premiums charged monthly.

 

Having noted your comments regarding your employment status, I would advise that we have always given our customers the details of the insurance and let them make an educated decision if the policy is suitable. This information was clearly detailed in your policy and is inline with standard industry practice. I appreciate that you advise you have not received the policy documents issued , however, please be assured that these were sent in good faith.

 

I can only apologise that all information regarding the insurance was not provided within your Data SAR. Please be assured that this matter has been fedback to the department concerned.

 

With regard to our comments surrounding GE Money (now Santander Cards) being fined by the FSA, I would advise that the FSA fine, and the associated media coverage, relates to policies purchased after 14 January 2005 when FSA's ICOB regulations came into force. As set out above, I note that your policy was set up Dec 1989, as this was prior to January 2005 the FSA's decision is not relevent, but all complaints alleging that insurance may have been mis sold are taken seriously.

 

in light of the above and all comments in our previous letter, I do feel that we have fully addressed all the issues you have raised. Therefore our decision remains the same and we are unable to refund any of the premiums charged to the above account.

 

If you remain dissatisfied with our response, you should note that we have reached a stage of deadlock as our internal complaints procedures have been exhausted.

 

-----------------------------------------------------------------------

 

Didnt mention anything about the breaches they made in the FLA Code of Practice for which they were members at the time !

Looks like its a court claim then - anyone succeeded in taking them to court over ppi and won or got them to back down - my claim is for £9,500.

Beachy

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I appreciate your comments surrounding the completion of the application, however, I would respectfully point out that, you did sign the application and this should only be signed if all the information is correct and that you understand all aspects of the Credit Application. If at any point you were unsure of what the full agreement entailed this documentation should not have been signed. Please be advised that a copy of your signed Credit Agreement was enclosed within our previous letter (unreadable microfiche - Subject Access Request revealed they no longer have the original).

 

Well thats a load of bull as they have a duty to ensure the policy is needed.

 

You have explained that you have no recollection of being given any explanation in relation to the insurance ** December 1989. At the point of sale the sales assistants routinely discuss the key features and significant exclusions of the policy. However, I am sure you can appreciate it is no possible to discuss every eventuality and therefore the decision whether to proceed or not is ultimately down to the individual customer.

 

Nope it is down to them to insure that sfaff are properly trained even if they are not employed by them

 

I must also advise that at the time of the insurance sale in 1989, I can confirm there was no requirement for financial training to sell this insurance.

 

Even so you could of gone over and above those requirements to insure that everyone selling was trained it is a poor firm indeed that just goes by requirements and is one of the reasons this country is in the state it is.

 

I appreciate that you advise you have not received the policy documents issued , however, please be assured that these were sent in good faith.

 

Well thats for you to prove then because i know i was not sent them

 

Well basicly what a bull**** fob off letter

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Have you taken this up with the FLA ?

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Have you taken this up with the FLA ?

 

PF

 

No, have read that they are a waste of time, even though GE have breached the FLA Code of Practice in force for that period of agreements(by what I've read and the way it was sold to me)

 

Thanks for all the info from the FSA site, lots of homework now although if it can be proved that they were regulated one way or another 2001 they will then fire back that I took it in '**.

 

What bugs me is that deep down I know I dont stand a chance of getting the £*k its their unwillingness to start to negotiate a settlement.

Edited by beachcomber60
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Rather than a claims management company have you thought about a good no win no fee solicitor.

 

Have you sort advice from community legal advice

 

Community Legal Advice - free legal advice for residents of England and Wales, paid for by legal aid

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Would it be worth throwing a solicitors letter at them to see if they will enter negotiation.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Dont give up beachy, I too am at a stalemate with them, I have just sent them the letter informing them that if they cannot supply a credit agreement (which they have been unable to do up till now) then the debt is unenforceable. I owe approx £1700, which has been passed to Link for collection and they now have a charging order. I am currently paying link a small sum each month. I am a bit uncertain about stopping payment due to the charging order, but if they cannot supply an agreement I expect them to take the debt back from Link and I want the charging order taken off but dont really know how to go about it. I will keep you posted of any replies I get from GE regarding this. We need to keep at them to let them know that we will not go away!

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Dont give up beachy, I too am at a stalemate with them, I have just sent them the letter informing them that if they cannot supply a credit agreement (which they have been unable to do up till now) then the debt is unenforceable. I owe approx £1700, which has been passed to Link for collection and they now have a charging order. I am currently paying link a small sum each month. I am a bit uncertain about stopping payment due to the charging order, but if they cannot supply an agreement I expect them to take the debt back from Link and I want the charging order taken off but dont really know how to go about it. I will keep you posted of any replies I get from GE regarding this. We need to keep at them to let them know that we will not go away!

 

Tink

 

Morning Tink,

 

Thanks for your support, no way am I intending to give up.

 

Yours seem a little more complicated then mine, CL own the debt (alledgedly - no DN & no NoA) cca'd them but got no acknowledgement so reminder sent but still no acknowledgement - so payments stopped, GE have confirmed (three times) in their correspondence that my original agreement no longer exists, they have sent a microfiche copy but that is totally unreadable.

 

beachy

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Would it be worth throwing a solicitors letter at them to see if they will enter negotiation.

 

PF

 

 

Thanks PF,

 

have looked at Community Legal Aid, dont think I would qualify, so currently looking out for a no win no fee solicitor, too much to lose by giving into their bog off letters.

 

If their systems that were in place AFTER regulated by the FSA then it just show what an absolute shambles it was BEFORE they became regulated (thats my thoughts anyway).

 

Understand the change to the avatar.

 

Beachy

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thats the spirt keep going hard slog i know but thats what they prey on still options open yet PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 3 weeks later...

OH received reply from Santander regarding claim for late/over limit charges.

 

They say (will post letter later if interested) that they act within OFT guidelines and that the agreement was signed as acceptance.

 

But as a gesture of goodwill they have processed a refund £9.00 (Who told 'em that figure was acceptable? coz it ruddy well isn't), as full and final settlement and that the £9.00 will be sent to CL Finance within the next ten days. It goes on to say that they will not be refunding interest on the account, when the application was signed OH was bound by certain T&C's, one of these is that they can charge interest on any outstanding balance. As the balance was not solely consistent of charges, the interest will not be removed.

 

OH trying to claim just over £105 + compound interest

 

So they literally told her to bog off with both this and PPI mis selling.

 

can they refund any charges to a DCA (who incidently, are in default of OH's CCA request by 5 months).

 

As always,

 

Beachy

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Hi Pinky,

 

Thanks for your reply, OH stopped paying CL after a cca reminder failed to get an acknowledgement from them, we SAR Santander & they responded with an unreadable micrfiche copy of the application/agreement - tried pushing them for a readable copy and were told that they have compied & the agreement is enforceable (even tho' CL state they own the debt absolute).

 

Just went for the charges as the appetiser, its the ppi I went to get back from them as its twice the amount of the balance, but they just wont budge on that score.

 

Are they right in saying any refund goes to CL.

 

Beachy

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Sorry. I should have said that to get your PPI back on the grounds of mis-selling, make a formal claim to Santander and if they won't budge, take it to the FOS. The FOS are generally useless and take some time to reply but this is one area in which they have been very good.

 

Thanks Pinky,

 

I thought that was the case, I'm sure I read somewhere on the forum that Martin had a similar problem - will search it out later.

 

Regarding the ppi they owe OH just over £6k & me over £9k but wont budge a mm, they say werent regulated - you signed (we didnt) so tough, deciding our next move on that one.

 

Thanks again,

 

Mr & Mrs Beachy (rather formal I know, but getting in the mood - entertaining tonight :) )

 

 

PS - Found it - Son of Steven

Edited by beachcomber60
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OH sent off for a refund of charges from Santander (Debenhams Store Card), this was their reply - already stand no chance of reclaiming ppi now it looks like they aint gonna refund charges :-x

 

Debreclaim1.jpg

 

 

 

Page 2

 

Debreclaim2.jpg

 

How can we stop CL getting their mits on it, dont think its got anything to do with them, they cant even provide the cca. Surely they should seek OH's agreement and acceptance before making a pathatic refund gesture - sorry but this one's got me mad as hell! :-x:x

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the £12 is just a GUIDELINE it is NOT law. carryon with your reclaim & dont forget comp int at their rate + 8% stat.

 

hit them with a court case they will fold.

 

 

now whats this about the PPI, post a link to the thread.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx,

 

have put in two claims for mis selling ppi one for OH (£6,000 approx.) and my account (£9,400 approx.), Santander have basically told us that we signed for it, accepted it & didnt cancel within 30 days so tough as they werent regulated at the time, I've thrown everything at them that I can find but they wont budge. FOS cant help & the option is the FLA which is a waste of time or court but as both claims are in excess of £5k we're worried about costs.

 

Pompey has been very helpful in the ppi forum, now reached stalemate with Santander.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/205616-debenhams-store-card-ppi.html

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