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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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Your House Being Repossessed? - It's Never Too Late


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I would just like to say a huge thank you to all at CAG especially Ell-enn who has worked a total miracle.

 

Without having any previous notice, at approx 4pm yesterday, I found out that my family were being evicted today at 11am - All stages of the repossession order were hidden from me by my OH thinking that she was actually protecting me from stress etc

 

Without going into too much detail, I owed a lot of arrears (over a few years), and yesterday afternoon trying to find anyone or speak to anyone ie Solicitors etc was a complete impossibility.

 

Having being a member on here for years, and reading that Ell-enn has a pretty good track record, I approached her for help.

 

What can I say?

 

She managed to draft me a statement, a guide on how to fill out the N244 form, as well as sending me a spreadsheet to work out income and expenditure. We didn't stop communicating until approx 11pm last night.

 

I went to bed about Midnight, and then got back up again, went to bed again, and eventually repeated this all through the night. This morning I sent a few emails and again more help and answers were available from Ell-enn.

 

I went to court this morning at about 9.30am (Eviction was 11am) to pay my £35 and hand in my statement and forms etc etc and to sit and wait for a hearing.

 

The outcome of the case was that the District Judge (who did ask who had done my statement, as it was very good) found in our favour.

 

We now get to keep our house. We also, now only have to pay about half of what we had actually offered to pay, in addition to our normal monthly payment to clear the arrears.

 

I would also like to say a huge thank you to MARTIN3030 who actually attended court today, to give us some moral support as well, this was greatly appreciated and more than anyone could ever ask for.

 

So, no matter how far things have gone, never bury your head in the sand or giveup and most of all, ask for help from the knowledgeable people on here.

 

CAG have now proven to me, that they are truly about helping people and for that, they should all be tremendously proud of themselves!

 

People on here are so kind, so generous and so helpful. I especially, owe them both so much for what they have done, and helping us keep our home today. Thank you so very much, from all our family.

Edited by letsdothis
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Great to hear your result, letsdothis :D

 

Ell-enn's a gem :)

 

Martins no bad either ;)

Edited by maroondevo52
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AMAZING!! There are some GREAT people on here who have offered me some fantastic constructive advice and today i too managed to sort out our mortgage arrears in such a way that we can keep our house (provided we stick to the terms we agreed).

 

Ell-enn continues to amaze me with the help and support she offers people and Martin3030 sounds like a hero for coming with you to court today.

 

Now go out and enjoy a few beers to celebrate! :D

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Thanks for posting your experience Lestsdothis :) I'm sure it will help others who might think it's too late to take action against eviction/repossession.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi Letsdothis - you did you manage to get a statement from the lender so you could see the true situation on the account re the payments which were unallocated ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi Ell-enn

 

The Judge gave me a statement on the day. I have accepted that I fully owe the value their solicitor said I did, I am going to disregard all previous payments made, until I get statements to show etc from the bank.

 

On a positive side, they have had their monthly payment this month. :grin:

 

I did add all the charges up from the Judge's statement and so far, it adds up to:

 

£2420 excluding any interest. These are made up of returned fees @ £30 and arrears fees (monthly) of £50 - The interest on the spreadsheet shows £386.01 @ 8%

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Crikey - you need to get a letter off claiming the charges back. If you get the usual "bog off" letter from them you then need to escalate your complaint to the FOS.

 

Send your letter by recorded delivery (or they could say they never got it) and keep a copy of the letter for yourself together with the proof of delivery which you can print off from the royalmail website a few days after posting.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi Ell-enn

 

I am a little apprehensive over claiming them back, I didn't want to rock the boat so to speak.

 

Its YOUR money-and THEY didnt show any restraint in rocking the boat !!

 

As you know-there are very good examples on the site of people claiming charges back whilst having far greater arrears than you !

 

Better in YOUR pocket than theirs.

 

Theres not much they could do in terms of retaliatory moves since there is already guidance in place for that from the FSA.

 

Even agreeing to have them offset against your arrears would be better than letting them keep it-and in that scenario would prob not even need to see either side going near the Court.

 

Food for thought.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry to be a doom and gloom merchant, but sumtimes it is to late. my eviction will take place at 10.50am on monday, and i will have to leave with all my possesions still locked in the house, no time to get them out and nowhere to put them, even if i did. having been told by my local council housing, i am not a priority or at risk so they arnt prepared to help. its gone 4pm so the courts are closed for the weekend, even if they wasnt, i cant afford to pay to submit a n244 and so, in my case it is too late.

 

im only posting this as a warning that, even tho there is a lot of success stories, there is also ones that dont end well, so if you are in the same situation, dont just read the 11th hour reprieve stories and think it will all end ok...trust me, it wont.

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Kippax - I've posted on your thread.

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I've got a letter somewhere, I'll find it and post it up.....

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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I think it's on my work PC - I'll post it up tomorrow

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Yes I agree ....the guys on this site are an emmense help and God sent.

It is almost unbeliveable....thanks Ell-enn and Martin 3030 on your help in my own issues in the past...i feel as if i have big brothers and big sisters I can run to when the bad bad wolf comes knocking on the door....:-D

Edited by dipobrazil
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Apologies Letsdothis - I completely forgot about the letter. I've been really busy at work this week and it slipped my mind to look for it. Can you give me a nudge tomorrow morning and I'll get it posted up for you.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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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