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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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Natwest Claimform - current Account


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thanks magda

id get a quick reminder out for the CPR18 rqst. give em 7 days to respond.

if the POC allow, may be worth mentioning all the (correct) termination procedure in your defence along with their reticence to provide u with the paperwork. makes it a little more substantial.

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thanks magda

id get a quick reminder out for the CPR18 rqst. give em 7 days to respond.

if the POC allow, may be worth mentioning all the (correct) termination procedure in your defence along with their reticence to provide u with the paperwork. makes it a little more substantial.

 

 

Hi r&b, yes, just got a cpr reminder off in the post today, although not holding my breath. The overdraft in my case is made up of a large debt (in addition to the o/d we already had) from a charge card, which Nwest added to the o/d. I am going to try to make them prove this debt and that it was actually enforceable (I think even though it is a chargecard it will be at least part regulated) when they added it on to the o/d. I read on another thread where someone had been successful in defending a court case involving an overdraft and they had asked the bank to prove the validity of the loan that made up a considerable part of the o/d, so seems like something worth looking at. I will definitely mention the issues re: termination of the overdraft and the bank's non-compliance, so at least I have got a few things to be going on with until I actually get all of the info I need. I was very interested in your thread, because like us, your overdraft is for a large amount and can't (I believe) be offset by bank charges, which I find is the case on a lot of threads. Will update if I get anything from Shakespeare. Good luck,

 

Magda

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No response to either of the CPR 18 requests (reminder sent in follow-up) the solicitors have totally ignored it. Therefore, going to do a holding defence for the time being as it has to be in next week.

 

Magda

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Right, got my holding defence all sorted now and I'm going to ask the court if I can fax it to them tomorrow as I think the deadline is Tuesday, I would think that will be ok. Shame it wasn't done through Northampton as it can all be done online then.

 

Just have to wait and see what Nwest's next response is then.

 

Magda

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I've been looking on a lot of banks' websites and their t&c's and they definitely say something along the following lines:

 

"A Default Notice Fee will be payable if we need to serve a default notice on you (for example, if you fail to repay your overdraft on demand or we wish to enforce any security we hold). This is in addition to any other charges that may apply"

 

I can only assume that the banks themselves actually know the procedure for terminating the account, taking enforcement action, so it seems strange that they all refer (the ones I have seen) to issue of a DN. It seems therefore that s87/88 are applicable to overdrafts after all.

 

Any further advice/clarificatio on this will be more than welcome:)

 

Magda

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  • 2 weeks later...
Magda,

How you getting on with this problem?

Exasp

 

Hi Exasp, I sent my defence off last week to the court and the claimant. Birmingham court don't seem to be very on the ball for acknowledging they've received anything. Had a letter from Shakespeare Putsman at long last re: my CPR 18 request which was sent over a month ago, and they say it has been forwarded to their client and they won't take any further action until they have their client's response.

 

So that's it for the moment, trying to find out what I can in case it's useful later and been following r&b's thread with interest - glad she is going to appeal.

 

Magda

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Hi Exasp, I sent my defence off last week to the court and the claimant. Birmingham court don't seem to be very on the ball for acknowledging they've received anything. Had a letter from Shakespeare Putsman at long last re: my CPR 18 request which was sent over a month ago, and they say it has been forwarded to their client and they won't take any further action until they have their client's response.

 

So that's it for the moment, trying to find out what I can in case it's useful later and been following r&b's thread with interest - glad she (is a very manly HE :p) is going to appeal.

 

Magda

 

 

lol

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  • 2 weeks later...

Well, still not received anything from Shakespeare Putsman/Nwest re: cpr 18 request. Now got the AQ to do and send back. Birmingham court has transferred the file to the wrong court so I have to send the AQ and it then has to be sorted out by the DJ, who has to authorise it to be transferred to my local court. These courts are certainly on the ball, I have to say. :rolleyes: Magda

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Received a response finally from Shakespeare P today, just a batch of statements, nothing else. They are trying to get a copy of the DN from their client - shame the DN isn't the correct procedure for an overerdraft then:rolleyes:

 

They now look forward to receiving my repayment proposals.

 

Mmmm.... theywill have a very long wait I think...

 

Magda

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Received a response finally from Shakespeare P today, just a batch of statements, nothing else. They are trying to get a copy of the DN from their client - shame the DN isn't the correct procedure for an overerdraft then:rolleyes:

 

They now look forward to receiving my repayment proposals.

 

Mmmm.... theywill have a very long wait I think...

 

Magda

 

 

lol :D:D

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Have received Shakespeare P's AQ now. According to them, their final costs will be in the region of £10,000 (they have asked for allocation to Fast track, as have I, as debt is over £18,000 and so could potentially go on Multi Track). How on earth can costs of this amount be justified - it is such a racket really - they just think of a number and treble it. Wonder if they are trying to frighten me into early submission:rolleyes:

 

Magda

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Hi Magda,

Just had simlar really annoying newsa myself on a CO but that another story....

£10,000 costs eh, thats cheap compared to what yours should be!!

On a serious note it is no wonder how these companies can take an individual to court and ask for these amounts of costs when the organisations that are supposed to monitor them are weak and spineless.

£10,000 costs!! the judge should through it out on that statement alone.

I am going to spend all the spare time I have for the foreseeable future wising myself up to to attack these kind of idiotic companies.

i'll keep watching

Good luck magda

Exasp

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Hi Exasp, I know, it's ridiculous how they can add these amounts - it would mean if we lost that we would owe getting on for £30,000, so just have to make sure we don't lose:D

 

Have you got a thread, will have a look if you have just for a bit of moral support.

 

Many thanks for looking in.

 

Magda

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Hi Magda,

Sorry for ranting before, you need specific advice not my moans to beat these people.

 

Here is the link to the thread I mentioned.

Cheers

Exasp

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/230353-fp-settlement-figure-read.html

 

You weren't ranting, nice of you to bother posting.

 

Many thanks, Magda

 

PS will have a look at the thread:)

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Hi Exasp, that's really kind of you (and very appreciated) - at the moment I'm ok, sent a holding defence and still waiting for info from Shakespeare P's solicitors before I can do a proper defence. Perhaps I could take you up on your offer a bit later on if I need to - it's nice to know there is someone to help if I need it. Likewise, if I can help at all with your situation, let me know.

 

Many thanks,

 

Magda

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  • 2 weeks later...

Just wondering if anyone can help, re: Shakespeare P's POC. They state at point 4 (see post #1) that:

 

"4. the claimant has served on the defendant notice under the CCA 1974"

 

Are they referring to the so called Default Notice here? If so I can do a cpr 31.14 asking them to provide proof of this, but not sure what they actually mean by "notice" though.

 

 

Many thanks, Magda

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Hi bazaar, yes, on the statements they have provided it shows a fee for a Default Notice, but I don't remember receiving one and they told me some time ago when I did a SAR that they didn't have the DN any longer, so couldn't provide a copy, or anything else, only the statements. I have since learnt from other threads where Andyorch has explained that they shouldn't serve a DN for an overdraft anyway - Notice should be served under s 76(1) 98(1) in order to terminate the account. I am playing along with them at the moment because they claim to have issued a DN, but they don't seem to be able to prove this apart from the reference on the statements, which doesn't prove it was actually sent.

 

Many thanks,

 

Magda

Edited by MAGDA
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Yes, its going to be difficult for them to prove it, They will of course try the ole chestnut of introducing hearsay evidence that they 'would' have sent it. But then does it really refer to Overdrafts??;) But also theyd have to have proof of postage as well. Their statement clearly says they have served you with the DN, so what manner did they serve? Very hard to prove.

Until you receive your docs via CPR theres not a lot they can do

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No, think you are right. Bit more nervous about this one that any of the others I've had because it's an O/D and for a much larger amount, but then they still need to have complied with the legislation and as you say, they will need to prove that. Think I will do the cpr 31.14 now and ask them to provide the DN, see what they say to that.

 

thanks, Magda

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