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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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1st Credit - Edited CCA


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Hi

 

After a 7 week delay received an 'edited' copy of my CCA relating to a Citi Loan that has now been assigned to 1st credit. Mostly looks in order apart from the fact the reference number has been hand written (assume this is what is worrying them!) Unable to post up as rely on work computer.

 

Loan was for about 2K set up in 2007.

 

They have asked me to confirm the signature on it is mine and if I provide them a copy of it they will send me a complete copy of the agreement.

 

They seem to be asking very nicely with just the one paragraph inviting me to discuss payment proposals.

 

Am I right in thinking I can refuse this request - I suspect they don't have an unedited version!

 

Thanks

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This appears to be Worst Cretins standard response to CCA requests. I suspect it's an attempt to claim that you acknowledge the debt even if the paperwork is defective.

 

There is, of course, no legal requirement for you to provide a signature. The only conclusion that can be drawn is that 1st Credit aren't sure of your identity; but wait! They must be, otherwise they wouldn't have sent all those demands - because that would be contrary to the OFT Guidance.

 

I have challenged them on just this point (on behalf of a client). I wrote to them in February, and they did not respond. I reminded them in April, and got a holding reply, grandly informing me that I should expect a reply from 'the relevant department'. I'm still waiting, although 1st Credit keep leaving messages on my premium rate answerphone number; when I rang and reminded them that they'd agreed (in writing), to do everything in writing, they suddenly discovered that 'another department is dealing with this now - sorry we called'.

 

All very odd.

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Thanks for replies so far.

 

I am going to send standard you have failed to comply letter, does anyone have a copy of this I can copy into word. For some reason can't open the docs in the template library.

 

I will just tinker with it to let them know that I am not obliged to provide them with signature etc.

 

Also is an e-mail a reasonable way to deliver this to them?

 

Thanks

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Send them this, amend to suit, do not sign print your name, send recorded keeping a copy with your postal receipt:

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

  • Haha 1
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  • 2 weeks later...
I know you know, but it gives me a nice warm feeling when I get the chance to remind people that !st Credit are on the OFTs radar. :D

 

Ah yes, sorry my humour isn't good at the mo due to a nasty case of shingles. You've cheered me up now though by pointing that out :D

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  • 2 weeks later...

Received a response to my dispute letter. They state that their client accepts not currently enforceable but debt remains due and payable. also lots of waffle about not having to remove default notices and what part of s10 I am relying on under data protection act.

I am starting to wonder if they have a copy of the CCA - surely they will have one for a December 2007 loan? if they have it why hold it back?

 

will sit back and wait- they havnt asked for a payment in two months now!

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They've admitted the don't have an enforceable CCA when they said "their client accepts not currently enforceable but debt remains due and payable."

 

The debt still exists but they cannot enforce it. They can ask you nicely to make payment but equally you can tell them to go forth & multiply.

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Funny enough since finding CAG I now realize how little power they have over me! As you say they can go forth and multiply. I havnt forgotten how they spoke to me the first time they rang me- like a piece of dirt! I now know not to speak to them but can understand how they would intimidate some.

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  • 1 month later...

1st Credit finally answered my complaint about the 'edited CCA' response. They claim that it was 'necessary to ensure that they were sending confidential documents to the right person'. I have pointed out to them that if they were not certain of the individual's identity, then sending demands for payment was contrary to the OFT Guidance, so either way they were non-compliant. They've gone all quiet now...

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