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    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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! 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.
    • 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.
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    • 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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome - illegal repo in contravention of section 92 and unfair relationship ** WON **


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I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

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The thing is why would they deny coming onto your property unless they knew they weren't supposed to??!

That is a very sensible idea, I am so appalled at yesterdays events I want every party to be held accountable for their actions. It's not fair that people can get away with flounting the law when it suits them and the consumer has to just take it.

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lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

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I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

 

how can an agreement be terminated without prejudice:eek:

 

cab

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lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

 

Yes please! Let's do that! Oh and it says 73 months on my credit file

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So The Amount Of Credit Will Be £4625.81 Plus Acceptance Fee Of £195

Total £4820.81

 

Now The Interest Over 72 Months At 8.9 % Gives £1359.66 Add £4820.21 Gives A

 

Total Amount Of Credit (lacking On The Agreement) £6179.87

Now Devide That By 72 Gives A Monthly Figure Of £85.83

 

Not £95.08 On The Agreement

 

The Welcome Total Amount Payable Works Out As £6845.76

 

Welcome Have Shafted You By £665.87

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It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

Question is where do I go from here?

I have to pop out to collect my children from school, I'll be back in half hour.

Thank you so much for your help, I really hope something can be done to resolve this sorry mess.

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It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

If you had PPI with this agreement and you have now become a 'carer' it might be worth checking your policy as some--but not all-- of these have becoming a carer as qualifying for the benefits of the policy in the same why as illness etc. does.

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