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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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Txtloan have cleared my account


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Hi i had a loan with txtloan and i had my card stolen and i emailed them and got the basic response of tough anyway i heard no more from them for about a month til tuesday when i recieved an email saying thank you for your payment of £246. i then checked my bank account and all seemed ok til last night when i checked my bank account and i am now overdrawn.

 

i had 185 pounds in my account which were for train tickets so i could go and see my family this month and was just waiting for the train company to take the money but instead txtloan decided to help themselves to £246 and now leave me with no money and overdrawn and not able to see my family as i planned.

 

Is there anything i can do about this many thanks in advance

 

mightyroyals

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Very limited action you can take. The money shop did exactly the same to me over a old debt which was not valid anyway. You could write them a letter with the threat of fradulent use of your card and that you will be contacting the OFT,Financial Ombusman, Trading Standards and FSA and see if this scares them. I would first of all speak to your bank and refer it to their fraud team, although I did the same with Halifax and they did not seem interested in the least.

 

Check the contract you signed with them, there will probably be some section which states they can use your card to reclaim unpaid debts and this is how they try and justify it.

 

Keep us all updated.

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i did ring my bank last night and the person i spoke to told me to call up the debit card investagation team tomorrow morning but he also said some companies can still take money off a card when stolen or lost, he did tell me to tell them i was in dispute with the company as this may help.

 

I just cannot believe that these cretins can get away with this

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Yep Happened To Me

I Ended Up Closing My Bank Account And Getting A New Account Number And Cards

 

Even If You Cancel Your Cards, The Payday Companies Use A SysteM Called Continuous Authority Mandate

 

They Use The First 12 Didgits On Your Card, Not Sixteen To Force It Through

 

Lesson To All

 

When You Cancel Your Cards, Make Sure The Bank Put On A stop on The Card

 

Thats A Procedure

 

Just Going In And Cancel Or Reported Stolen Is Not Enough

 

Remember stop

Edited by postggj
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When we had a problem with a payday loan co the banks fraud department refused to help as they said we did actually owe the money.

 

We managed to get the money back via a different route, however I believe that this particular company then closed the loophole that I used.

 

In our case the document that my OH had signed gave them authority to take a lump sum payment on a particular date. We asked to deffer for a month and they said no and tried to take the payment, the payment didint go through. They then left it a week or so and then took several smaller payments (obviously repreated transactions to see how much they could get) which didnt quite come to the amount they now claimed we owed including charges.

 

I emailed them saying that we had only given permission for them to take £x amount and not the smaller payments. Nowhere in the form that OH signed did it mention any other amount, by the end of the day we had the money back.

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Phoned the fraud department up this morning and we not intrested one little bit and told me it was my fault and that i would be charged daily intrest etc etc i have now started looking for a new bank account but as i dont drive or have a passport and dont claim benifits i have got to call national insurance and ask for a invitation letter or something i am just worried now as i get paid on the soon and dont want to lose a load of money from it going into my old account,

 

Will a works company let you pay you wages into someone else's account i.e my girlfriend even though she has a diffrent surname anyone know??

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You can ask your employers to pay your wages into your girlfriend's account - you will need to give them the instruction in writing. Quite a few of the employees where I work ask me to pay into another person's account, usually girlfriend or partner, or even parents.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thats one relief at least i wont lose half my wages to charges and what is left to pay in the account from what they took.

 

I just cannot believe they can get away with this kind of behaviour the money i had in my account was for travel to my parents who i have not seen for over a year im soo soo angry and upset right now

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  • 3 weeks later...

I've been thinking about joining TXTLoan, which lead me to this website from a Google search, so go easy on me as I'm new. This thread got me thinking.

 

mightyroyals: I can sympathise with your situation as it's never fun to have cards stolen or charges withdrawn unexpectedly.

 

In fairness to TXTLoan (don't bite my head off), it does seem that they were simply taking the money owed to them. Unless it wasn't owed, in which case nobody should be able to take funds out of your account. Presuming you owed the money, however, I don't see why their taking it should be seen as an injustice to you. Sorry.

 

"the money i had in my account was for travel to my parents who i have not seen for over a year"

 

Again, I feel really bad for you and I hope you have sorted out your problems and been able to see your parents, but what I don't understand is that you obviously had some money in your account, so why didn't you just pay off the TXTLoan debt before the high APR charges started to kick in?

 

I don't understand why people take out emergency 7 day loans if they cannot afford - or are not willing - to repay them on time.

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I've been thinking about joining TXTLoan, which lead me to this website from a Google search, so go easy on me as I'm new. This thread got me thinking.

 

mightyroyals: I can sympathise with your situation as it's never fun to have cards stolen or charges withdrawn unexpectedly.

 

In fairness to TXTLoan (don't bite my head off), it does seem that they were simply taking the money owed to them. Unless it wasn't owed, in which case nobody should be able to take funds out of your account. Presuming you owed the money, however, I don't see why their taking it should be seen as an injustice to you. Sorry.

 

"the money i had in my account was for travel to my parents who i have not seen for over a year"

 

Again, I feel really bad for you and I hope you have sorted out your problems and been able to see your parents, but what I don't understand is that you obviously had some money in your account, so why didn't you just pay off the TXTLoan debt before the high APR charges started to kick in?

 

I don't understand why people take out emergency 7 day loans if they cannot afford - or are not willing - to repay them on time.

 

i would of paid it off on the 7th day but i could not coz my card was stolen and txt loan would not give me there bank details to make the deposit instead they charged me and then cleared me fair i think not they did not want to help they were just being plain greedy and gettin what they could from me. and did not want to help at all.

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mightyroyals:

 

Out of interest, how was it that you couldn't repay on the 7th day but TXTLoan was able to take the payment anyway? I checked the TXTLoan website and in their help section I found this:

 

Day 8- we collect £ 110, however, if funds are not available

 

So presumably TXTLoan tried to take the £110 from your account on the 8th day but you had insufficient funds? Because if your card was stolen and then a month passed, it doesn't make any sense that TXTLoan would then be able to take £246 from you, as surely the card details would be different? Or are you saying that TXTLoan waited until a month had elapsed before taking any kind of payment from you? I also found this, which suggests your debt had been passed to a collections agency:

 

Day 23- if the loan is not paid back in full, we send a forth reminder including a £20 administration and transaction fee, loan totals £200;

Day 46- if the loan is not paid back in full, we refer the loan to our collection department which incurs an additional £46 administrative charge and transaction fee and we may refer the loan to our collection partner.

 

 

robjam1969:

 

I guess I'm just playing devil's advocate. I probably won't sign up to TXTLoan as I don't need the money that urgently but I don't see any other reason not to do so. Yes, circumstances change, but over a 7 day period? If finances are that tight and unpredictable surely it's best not to take out a short term loan in the first place??

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mightyroyals:

 

Out of interest, how was it that you couldn't repay on the 7th day but TXTLoan was able to take the payment anyway? I checked the TXTLoan website and in their help section I found this:

 

 

So presumably TXTLoan tried to take the £110 from your account on the 8th day but you had insufficient funds? Because if your card was stolen and then a month passed, it doesn't make any sense that TXTLoan would then be able to take £246 from you, as surely the card details would be different? Or are you saying that TXTLoan waited until a month had elapsed before taking any kind of payment from you? I also found this, which suggests your debt had been passed to a collections agency:

 

 

 

robjam1969:

 

I guess I'm just playing devil's advocate. I probably won't sign up to TXTLoan as I work for them but I don't see any other reason not to do so. Yes, circumstances change, but over a 7 day period? If finances are that tight and unpredictable surely it's best not to take out a short term loan in the first place??

 

The full amount was there for them on day 7,8,9,10 all the way through all they had to do was give me there bank account details and i would of transferred the money to them straight away but they are to ignorant to do that and there Dca are a in house Dca so in other words there the same ppl who call you and dont listen to a word you say. Also i don't really care for your thoughts on the issue anyway coz they have no relation to the thread questions at all any how i am not prepared to get in this argument with someone who obviously has some connection to the company. SO PLEASE STOP POSTING ON MY THREAD TROLL

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mightyroyals:

 

Sorry if I have caused you any offence. I'm not trolling and my connection to TXTLoan involves little more than a general interest and subsequent search on Google. So far, most of the comments I have read about the company have been negative, but I'm just trying to understand your particular situation. During my short spell on this forum I have encountered an unfortunate prejudice against any kind of different opinion, which isn't exactly encouraging.

 

I am intrigued by your situation because it doesn't make any sense. You claim that your card was stolen but your bank account had sufficient funds to pay for the TXTLoan debt on days 7, 8, 9, 10 and all subsequent days. So why didn't or couldn't TXTLoan take the amount on the 8th day but somehow managed it a month or so later? It's a reasonable enough question and I think it resides at the heart of the argument - as you are clearly aggrieved by the company's actions, I'm sure you can easily answer it rather than resorting to "get off my thread" comments, which hardly help anybody.

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mightyroyals:

 

Sorry if I have caused you any offence. I'm not trolling and my connection to TXTLoan involves little more than a general interest and subsequent search on Google. So far, most of the comments I have read about the company have been negative, but I'm just trying to understand your particular situation. During my short spell on this forum I have encountered an unfortunate prejudice against any kind of different opinion, which isn't exactly encouraging.

 

I am intrigued by your situation because it doesn't make any sense. You claim that your card was stolen but your bank account had sufficient funds to pay for the TXTLoan debt on days 7, 8, 9, 10 and all subsequent days. So why didn't or couldn't TXTLoan take the amount on the 8th day but somehow managed it a month or so later? It's a reasonable enough question and I think it resides at the heart of the argument - as you are clearly aggrieved by the company's actions, I'm sure you can easily answer it rather than resorting to "get off my thread" comments, which hardly help anybody.

 

Far from it Fletchy, different opinions are more than welcome. However the idea is to provide support to people. I have never dealt with Txtloans but don't feel the need to question Mightroyals to the degree you are.

 

Your argument is well stated, but probably not helping and that is the whole point of CAG. If you don't have a connection to Txtloan then there are plenty of other lenders for you to google to your hearts content.

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robjam:

 

The issue of whether or not to sign up with TXTLoan resulted in my arrival on this forum, so it's not a question of searching for other lenders.

 

As much as I can sympathise with mightyroyals (we have all been in tricky financial situations), I don't understand the basis of his or her argument, which is why I have probed the issue further. Perhaps this is not in the spirit of CAG, as the so-called prejudice I encountered can be more aptly described as a two-camp situation: either you are on the side of the debtor or you are a troll.

 

I'm content to leave the point as it is and not cause any undue stress to mightyroyals, but the reason for my asking is that either the company in question waited until the full amount of charges could be applied to the account before attempting to withdraw the outstanding balance or it attempted to take the £110 on the 8th day but no funds were available in mightyroyal's bank account.

 

The difference is important because if the former example is true then the FSA can become involved, which would obviously be of benefit to mightyroyals, whereas if the latter example is true then, unfortunately, the whole argument comes crashing down.

 

What I don't understand is that TXTLoan were able to take money out on the 46th day but apparently not any earlier - for people interested in such issues, it is worth finding out. Wouldn't you agree?

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garysonjack, as I said on another thread, the charges aren't really all that high when viewed in context. Looking at txtloan's site, they have an apr of just under 1000% - but I don't think it matters whether it's 1000% or 10,000%, because you're supposed to repay in 7 days.

 

So it's really only a £10 charge (10% on the loan itself) over one week. If you are likely to not be able to pay in this time, don't sign up to a payday loan!!

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  • 4 weeks later...
  • 4 months later...
garysonjack, as I said on another thread, the charges aren't really all that high when viewed in context. Looking at txtloan's site, they have an apr of just under 1000% - but I don't think it matters whether it's 1000% or 10,000%, because you're supposed to repay in 7 days.

 

So it's really only a £10 charge (10% on the loan itself) over one week. If you are likely to not be able to pay in this time, don't sign up to a payday loan!!

 

I am cab driver in London and a VIP client of TxtLoan. Have used many short-term lenders out there and must give credit to these guys. They are always helpful and had never had major problems with them.

 

To their defense, if 'garysonjack' jumped into my cab asking to take him to Manchester, I would expect to get paid upon arrival. If you did not pay, or ran away, there would be extra charges accruing because of your actions. For instance, Police would now be involved and finally through debt collection and County Court Judgement the principal you owed in Manchester would surely be doubled by the time we caught you.

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