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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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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credit account management


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please can you help i recieved a letter this morning of which says---

as you will be aware from previous correspondence (of which there has been none) this debt has been assigned to phoenix recoveries (uk)limited s.a.r.i. acting in the name and on behalf of its compartment''''sdfs recoveries'' and we are the agents appointed to manage the debt on their behalf.

Under the consumer credit act 1974 you are entitled to recieve an annual statement showing transactions on the account and the details are set out on the accompanying statement.

 

Thats about the gist of it any way

the ammount is for £251.00

the accompanying statement states-------------

 

Annual statement for the period 1 october2008-30 september 2009

opening balance £251.74

closing balance £251.74

that is the statement but the point is i dont know anything about this money apparently it was from shop direct abound which ive never heard of i remarried 3 years ago and havent used that name since which was my maiden name the letter was sent from:---

Credit Account Mannagement Ltd

Po Box 669

Waybridge Surrey

KT13 3FJ

WOULD BE VERY GRATE FUL IF YOU CAN ADVISE ME WHAT TO DO i am really worried it was quite a shock when i got the letter i am disabled and cant pay this type of money and dont see why i should. thank you paula

Edited by paula5650
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Under the CCA 2006, fully implemented 1 October 2008, statements have to be sent out yearly.

 

DCA's are sending these out en masse because if they do not, then they cannot enforce the alleged debt.

 

However, the DCA's appear to be sending these out to all and sundry, irrespective of whether they are sending them to the correct person!

 

Sounds like they are on a phishing trip and if the statement does not relate to you, send it back marked; not known here.

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Dear sir/madam

as per paula 5650 as above my father in law has exactly the same letter, word for word. exception of the amount. his amount is £765..86.

 

as per your information you gave to paula5650 i am going to send the letter back to the collection agent.

 

my father in law has never used any form of credit in his life and is not likely too.

 

please can you advise further my friend.

 

many thanks

 

benharris

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Dear sir/madam

as per paula 5650 as above my father in law has exactly the same letter, word for word. exception of the amount. his amount is £765..86.

 

as per your information you gave to paula5650 i am going to send the letter back to the collection agent.

 

my father in law has never used any form of credit in his life and is not likely too.

 

please can you advise further my friend.

 

many thanks

 

benharris

 

Send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

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  • 2 weeks later...

I hope you can advise me furtheri have recieved a letter back this morning after writing to Shop Direct Finance Company Limited for a copy of the credit agreement signed by me and what the money they say i owe is for, i sent them a £1.00 cheque with it. how ever this is the reply i got:-

we refer to a recent request for a copy of your agreement.

Unfortunately we are unable to locate a copy of an executed agreement,but for your information we enclose a copy of the current agreement which applied to this type of account. This version includes all contractual variations which have taken place.

According to our records,the account was opened on 11/04/2005. You agreed to make payments every 28 days.

The outstanding balance £251.74. Our records show that £0.00 in payments have been made within the last 12 months. If a third party is acting for you, please pass a copy of this letterto your representative.

ther is no name, no dates no nothing on this agreement it says it is a fixed loan agreement regulated by the consumer credit act 1974, could you please advise me what i shoud do now thankyou

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No CCA = No payment = they cannot take any enforcement action against you. Send them this;

 

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2009 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a mere application form which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain any of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required. Suffice to say none of the terms are present in the document

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable and the default notice is non compliant, it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

I trust this out lines the situation

Print name do not sign

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hi my wife recieved a letter from these people in the post two weeks ago, we thought it was strange because it had Ms instead of Mrs. but in her first name. i sent them a CCA letter today i got a reply. it had an agreement of sorts, name at the top, (not wifes.) all the job,bank,residential and credit card status. the agreement was in a name that i do know, but i am not at liberty to divulge it to anybody. the letter in with the CCA is in my wifes name, the agreement in another. i have e-mailed them but they are busy and will endeavour to reply within 10 days. i sent anothere-mail telling them they have till the end of the week. i will let you know what happens. bigpaddy

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hi my wife recieved a letter from these people in the post two weeks ago, we thought it was strange because it had Ms instead of Mrs. but in her first name. i sent them a CCA letter today i got a reply. it had an agreement of sorts, name at the top, (not wifes.) all the job,bank,residential and credit card status. the agreement was in a name that i do know, but i am not at liberty to divulge it to anybody. the letter in with the CCA is in my wifes name, the agreement in another. i have e-mailed them but they are busy and will endeavour to reply within 10 days. i sent anothere-mail telling them they have till the end of the week. i will let you know what happens. bigpaddy

 

Make a complaint to the ICO https://www.ico.gov.uk/Global/contact_us.aspx they are in breach of the Data Protection Act.

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