Jump to content


  • Tweets

  • Posts

    • 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!
    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

'Fun with Capquest'


Aristoc
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5215 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I received a letter from capquest a number of months ago who bought my debt from abbey of 1154. The debt is a student overdraft from a few years ago which they defaulted me on. Much of that debt is bank charges.

 

I am still a student and started an agreement to pay 5 pounds per month. I have been keeping up that agreement since October but they recent sent a letter saying i had broken the agreement and they were preparing my file for court unless I contacted them and paid a settlement figure.

 

I am _sure_ i have paid every month on time, and will check when i have access to my online banking again in a few hours, but it is possible i have missed one.

 

I am planning on writing a letter to them tomorrow and i'm asking for advice. If it turns out i've missed a payment, how should i proceed? I really think they may actually start court proceedings which is something i can not afford at _all_.

 

If however I have kept to the agreement I'm sure its just a matter of telling them so and providing them with copy statements or whatever?

 

Is there anything I can do to halt immediate legal action? I'm very worried about this now, I just cannot afford for this to go to court :(

 

PS I should add that the letter they sent was sent to my mothers address, which is my mailing address, and so was picked up a week or so after it arrived. As such I believe i have missed their deadline for contacting them.

 

Cheers guys,

 

John

Link to post
Share on other sites

I have checked online now and I have definitely paid each month since September. The payments have all been made on or before the 14th, though they seem to have cleared a day or two later. However none of the payments were made after the '19th' which they claim was a missed payment date in October.

 

What should I do? How can they proceed like this when I am making payments. Is it because its taken a couple of days to process the debit card payment using their online facility?

 

John

Link to post
Share on other sites

Thread moved

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

The debt was originally defaulted I think in 2006. Someone has been in regular contact over it since then so it certainly isn't statue barred.

 

I had planned to claim back bank charges but thats on hold at the moment because of the recent news.

 

I did CCA abbey but later found out that I had no real right to do so as it is an overdraft they are claiming for and so does not require a CCA iirc.

 

John

Link to post
Share on other sites

Isn't that a little premature given the current climate surrounding bank charges? Also, i'm not sure I have the time to wait for abbey to honor an SAR before capquest take this to court.

 

When you say debit the account, you mean deduct the charges from the balance? That would be great but I thought we're to wait for a while until the whole bank charges fiasco is sorted out before starting new claims? :S

 

Cheers man,

 

John

Link to post
Share on other sites

you can sar the original creditor any time

 

send a letter to crappyquest by recorded delievery

 

make it for the attention of the complaints dept

 

tell them you have sent an sar to abbey for the statements and that you will be claming back all penalty charges.

 

the account is in dispute untill compliance

 

now you can realy rub salt into the wound

 

tell them you consider the assignment of the account to be invalid as the account was made up of penalty charges prior to default.

 

the default would then be invalid

Link to post
Share on other sites

You could also tell them you expect a refund of all monies paid to them to date plus interest accrued plus your costs. If you are feeling particularly cheeky you culd tell them it was their stupidity and greed that caused you to consider their demands in detail and to obtain proper advice.

Link to post
Share on other sites

Thanks a lot for the help. Can I say the account is made up of penalty charges if it was only partly comprised of penalty charges? I think the charges probably account for around 70% of the debt, if not more.

 

John

Link to post
Share on other sites

well there you go

 

put the charges with 8 % interest

 

no more debt

 

default and termination by abbey

 

unlawful

 

assignment to crappyquest

 

unlawful

 

did you get a notice of assignment from abbey and crappyquest

Link to post
Share on other sites

I only got a notice of assignment from capquest I think. I'll have to check that. How can I say in a letter that the default and termination was unlawful? I had always wondered that, since they abruptly took away the overdraft without warning because 'funds were no longer going into the account on a regular basis'.

Link to post
Share on other sites

I'm planning on issuing an SAR today to abbey (i've been so busy this week i've only just gotten around to it). I can grab the online template for this, i just have a couple of questions...

 

Will the SAR place the account in dispute?

 

Naturally I will inform capquest of my actions, are there any templates for this? Alternatively, is it accurate to state that because the account is now in dispute, it is unlawful for them to persue the debt until my SAR is honoured? I don't want to overstep my legal rights here.

 

Cheers,

 

John

Link to post
Share on other sites

I have written a brief letter to capquest regarding the SAR. Would someone give it a glance over for me?

 

Dear Sir/Madam

ACCOUNT IN DISPUTE

Thank you for your recent letter in which you state that I have made no effort to contact you and/or to resolve the above debt purchased from Abbey in July 2009. Following communication with you in August, I entered into a payment arrangement of £5 per calendar month which has been honoured without fail. These payments (the most recent of which was paid on the 6th of December), are recorded in bank statements, copies of which can be produced if necessary.

Because of the apparent carelessness with which this debt has been handled, I have sought advice regarding the unlawful nature of bank charges applied to this account. A Subject Access Request has been filed with the original creditor and until this request is complied with the account is in dispute.

It should be noted that unlawful bank charges constitute the vast majority of this debt, and as such upon receipt of the relevant statements from Abbey I intend to claim for both charges and interest at a rate 8% – an amount which will likely be in excess of the remaining balance.

In summary, this account is in DISPUTE with the original creditor until such a time as my legal request is complied with.

Link to post
Share on other sites

Right okay, i'll try and add that to the letter asap. Is there any kind of template stating that they cannot persue the debt while it is in dispute or is that simply not true?

 

Cheers for all the help!

 

John

Link to post
Share on other sites

Which SAR letter should I be sending? The one i've printed and prepared the one lacking the comprehensive list of items I am requesting. Will this suffice, or should I delay a day or two so that I can print the other template listing the documents?

Link to post
Share on other sites

want to turn the screw

 

as crappy quest are now the legal owner of the account

 

all charges will be reclaimed from crappyquest, not abbey as crappyquest have all rights and duties of this acount

 

 

sorry to jump in on this, but would this be the same as my OD dept (80% penalty charges) supposedly owned by DLC, i could press them for my bank charges back?

Link to post
Share on other sites

is there a template for approaching a DCA for a debt made up of charges?

 

Hi,

 

You could try this one...................

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/580-letter-when-bankdca-attempt-to-collect-on-penalty-charge-situation

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...