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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Don't know who is dealing with my debt! HELP!


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I took out an overdraft in 2006 and it gradually crept up to over a £1000 (I was only 18 and didn't even know what it was!!)so in a state of panic and feeling the need to pay it back I stupidly requested a loan in 2007 which ended up-after insurance e.t.c- at roughly £1500. I was to pay it back at £85 pounds a month and I managed to pay once but decided to go to college and obviously my income dropped and I couldn't pay.

 

I recieved a letter from Apex Credit demanding money and began to pay them at £35 pounds but they would take the amount out at random times of the month and then I would incur bank charges. This carried on despite me informing them. I eventually told my mum who didn't know about the loan in the first place and she asked me how I even knew who these people were. I had paid them £400 pounds roughly at this point. I cancelled my payments and requested a C.C.A. I heard no more from them.

 

I then recieved a letter from Allied International Credit demanding money along with consistent phone calls leaving automated messages (I have never answered). I wrote to them requesting the C.C.A on 2/06/2009 and recieved one from the royal bank of scotland on 18/06/2009 along with a schedule of arrears. I was still unsure if this was the correct procedure as I thought A.I.C had to have a copy and could not just pass my letter on. Anyways despite the phone calls I had no written correspondance from them unit 11/08/2009 and this was offering me an early settlement at 50% before they passed it on to their 'collection and letigation department'.

 

Today I called RBS on the number in there letter when they sent the C.C.A asking why they passed my debt on without informing me and also who was currently dealing with my debt. The person on the phone told me that Apex had the debt and when I asked him why AIC were contacting me he said he would check and hung up the phone. I am now completely confused and don't know what to do as my next step. I don't have the money for AIC's early settlement as I am a student and I do not know if they even own my debt. I know I need to pay my debt but dont know who to. Apologies for the long post. Please help.

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can you scan and post up what you got in response for the cca?

delete any personal info

 

have you recevied a default notice or termination letter?

 

 

 

idax

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I didn't recieve any response regarding the CCA. I think they forwarded my letter to RBS and then they responded as if I sent the request to them. AIC has not mentioned the CCA letter. RBS are not aware of them having my debt so I don't think AIC will even know if I recieved the CCA from RBS. Sorry My scanner is broken so I can't show you the letter that RBS sent me.

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The Pescribed Terms are these

 

A Amount of credit

A term stating the amount of credit

 

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

 

do you have a digital camera or mobile takes pics and save to the computer nad then upload hee from tinypic?

 

 

Apex will have probarbly passed the account to AIC to collect.

 

have you thouht about reclaming back anycharges from the overdraft account? and you can also reclaim ppi if any was on the loan.

 

Ida x

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Okay I will attempt to do that but I'm at work at the moment. I will be happy to pay off the debt as long as it is to the right people. I didn't get any charges for the overdraft as it was authorised. I did take out ppi on the loan but was unaware I could claim it back.

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Payment Protection Insurance (PPI) - The Consumer Forums

 

to get yourself aquainted

 

ida x

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I've attached a copy of the letter from AIC along with the CCA and Schedule of arrears that RBS sent me when I asked AIC for it. I've also just noticed that the two amounts of debt differ slightly? I'm pretty sure the debt is enforceable but I want to pay the right people and RBS are not acknowledging AIC.

 

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the agreement looks ok,

 

do you have the default notice and terminaton letter?

 

ida x

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I can't remember getting them but I couldn't say for sure that I didn't. They didn't send a copy with the CCA should they have? I'm just getting really frustrated as RBS clearly don't know who has my debt and I don't want to get involved with the wrong people if they say that APEX has it. I'm also really wary because of the 50% thing. Why would they do that when they can get the whole amount? Should I call RBS again?

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because RBS have probarbly sold it and the dcas are ahveing a hard time and need as much money they can get.

 

may say that 2 companies have cntacted you and they say APEX has it butsomeoneelse is wanting payment. advise them that you are willing to apy and need theacc and sort code and ref number so that you can pay them direct until they sort out who it should be

 

ida

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