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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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Charging Orders


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Don't know if someone has posted this already (haven't read every post yet)

 

If the property is in JOINT names then the charging order may actually be a restriction and you are NOT forced to pay it when the property is sold.

 

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First off, you must stop talking to them on the phone as a company like DLC will see this as a good sign you are wriggling on the hook and that they can extract a high amount out of you. You tell them from now on you will only correspond in writing.

 

Secondly, DLC will have bought this debt for a fraction of its value (usually around 10%) so if you still want to negotiate a F&F settlement you need to make sure you factor this information into your offer.

 

You haven't, however, stated if your property is single owned or jointly owned? As I explained above that will make a big difference to your situation.

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eh yes he has stated its in his name if you read post 22. Secondly what case law do you mean that you cant apply for an order of sale on the basis that its somebody's main residence? The owners children in the house would preclude any order of sale been made but as the poster mentions his daughter selling her car so this appears not to be the case here.

However you could consider a voluntary charging order with a clause written in to it that they cant apply for an order of sale

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eh yes he has stated its in his name if you read post 22.

 

Double checking as saying mortgage is in his name doesn't mean the property is registered in his name only.

 

Secondly what case law do you mean that you cant apply for an order of sale on the basis that its somebody's main residence? The owners children in the house would preclude any order of sale been made but as the poster mentions his daughter selling her car so this appears not to be the case here.

 

Ministry of Justice information HERE Section 3.1 second paragraph.

 

However you could consider a voluntary charging order with a clause written in to it that they cant apply for an order of sale

 

Also from Post #22 -

 

we owe about what the house is worth on a good day and the DSS pay interestlink3.gif only on the mortgage

 

A Charging Order under these circumstances would be worthless so let them pay for the privilege if they are that stupid to go after one (which they aren't).

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Double checking as saying mortgage is in his name doesn't mean the property is registered in his name only.

Think we could safely assume that it does otherwise the mc wouldn't have full security on the property??

 

 

Ministry of Justice information HERE Section 3.1 second paragraph.
Am afraid that doesn't really mean anything its states only likely and would seem to be really referring to houses with children in them etc as I already stated. In fact the whole document just reads like a government fudge. Tell it to Cabot who when you ring them one of the options press "x" for - is if your calling about an order of sale, why would they have that as an option if it was such a rare event. Perhaps if you could find such relevant case law?

 

 

 

Also from Post #22 -

 

 

A Charging Order under these circumstances would be worthless so let them pay for the privilege if they are that stupid to go after one (which they aren't).

One would think so but sadly this is not always the case. Firstly they can sit on the order till prices go up (even just with inflation). Secondly they can use it as an asset for accounting even though it isn't. Thirdly he would still have had the costs of the ccj added which admittedly probably wouldn't be a great amount in the grand scheme of things.

 

eggboxy1 please don't think I am trying to have a go at you because that is not the case. I am trying to put across the more negative side. I know I only avoided an application for an order of sale because I had a clause written into the charging order.

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Think we could safely assume that it does otherwise the mc wouldn't have full security on the property??

 

Whilst I agree it's unlikely (but it is possible and HSBC do such a product) as the difference between joint and sole ownership is so crucial its worth clarifying.

 

Am afraid that doesn't really mean anything its states only likely and would seem to be really referring to houses with children in them etc

 

The assessment states that case law exists against OFS's being granted on family or primary residencies (so it covers both) It states its only likely an OFS would be granted against shares, unit trusts or secondary properties or land. I'm not sure why you feel an official MOJ document stating these facts doesn't mean anything?

 

Tell it to Cabot who when you ring them one of the options press "x" for - is if your calling about an order of sale, why would they have that as an option if it was such a rare event.

 

As Official Court statistics reveal that only 3 in every 1000 CO's granted ever progress to an OFS stage (that's progress not granted) I think we can assume the rarity. And as I said before, you shouldn't ring a creditor you deal with everything in writing!

 

I am trying to put across the more negative side. I know I only avoided an application for an order of sale because I had a clause written into the charging order.

 

I think a creditor trying to put a CO on your property is all the negative a debtor needs. What is more helpful to them is to explain that a CO is not the massive problem it first appears when a threat first arrives on your doorstep.

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