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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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We have so much debt, it seems only hope is selling house!


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thanks all for your help. Hubbie hopefully has a new contract from mid january, although until he actually has paperwork in his hands and starts the contract, i won't relax! We've been in this situation too many times before and you can't rely on a word people say, unfortunately.

If that's the case i would do an i&e now based on job seekers only - before he has a new contract.

Thanks for the advice. Santander c.c. Did freeze interest and charges without an i&e form before, wondering why they are now insisting. Hubbie is reluctant to provide this info, says it's none of their business. I just want it sorted to be honest. It is dragging on and we are no closer to getting rid of the debt and i don't know how we will ever be able to save enough to make f&fs for the larger amounts. Still, will battle on for now.

I would send national debt line i&e - nothing to lose.

Db - we only eat stewed meat these days, i can't believe how much my shopping habits have changed recently! Lots of supermarket's value/basic goods, plus home made bread and biscuits, less meat. We no longer eat out or have coffees out! It all makes a difference. Have managed to shave money off all sorts of bills too (elec/gas, home insurance, contact lenses, broadband).

 

I was thinking we'll pay the usual amount at the end of this month and send off the national debtline i&es form to those who have requested (all of them!).

 

NO!

 

Do you think it would make more sense to pay £1 or £0 to each at the end of this month, tell them hubbie is jobless (not redundant! Thanks for that tip) and to bear with us and then write again after new contract starts mid jan (hopefully!) with new i&es instead?

Yes - send new i&e with £1 - with usual clause - only bank cheque if accepting this as ongoing amount and freezing interest/charges.

Don't worry, i'll be contacting the mortgage people at the end of the month (correct, btw, no mortgage holiday left) and making sure utilities, council tax etc are paid. I'll cancel any superfluous insurance - hubbie has critical illness and mortgage cover on death which i'm thinking of cancelling, it'll free up another £30 a month, also pet insurance and fingers crossed nothing happens!

Keep this amount on i&e for now - gives you more flexibility.

Thanks again. Back to the sofa for me, chores all done! :lol:

 

See replies above in bold - have a nice christmas - keep us posted.

 

Bd

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Thanks for the reply BD. Agree re. doing I&Es based on job seekers allowance in case the contract doesn't materialise, will start on that tomorrow, getting form ready and letters to send off.

 

Merry Christmas to everyone and thanks for your help over the past months, I couldn't have done it without you. I'll update when anything happens/ask for advice if we need it.

 

Thanks again.

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Thanks all for your help. Hubbie hopefully has a new contract from mid January, although until he actually has paperwork in his hands and starts the contract, I won't relax! We've been in this situation too many times before and you can't rely on a word people say, unfortunately.

 

Thanks for the advice. Santander c.c. did freeze interest and charges without an I&E form before, wondering why they are now insisting. Hubbie is reluctant to provide this info, says it's none of their business. I just want it sorted to be honest. It is dragging on and we are no closer to getting rid of the debt and I don't know how we will ever be able to save enough to make F&Fs for the larger amounts. Still, will battle on for now.

 

DB - we only eat stewed meat these days, I can't believe how much my shopping habits have changed recently! Lots of supermarket's value/basic goods, plus home made bread and biscuits, less meat. We no longer eat out or have coffees out! It all makes a difference. Have managed to shave money off all sorts of bills too (elec/gas, home insurance, contact lenses, broadband).

 

I was thinking we'll pay the usual amount at the end of this month and send off the National Debtline I&Es form to those who have requested (all of them!).

 

Do you think it would make more sense to pay £1 or £0 to each at the end of this month, tell them hubbie is jobless (not redundant! thanks for that tip) and to bear with us and then write again after new contract starts mid Jan (hopefully!) with new I&Es instead?

 

Don't worry, I'll be contacting the mortgage people at the end of the month (correct, btw, no mortgage holiday left) and making sure utilities, council tax etc are paid. I'll cancel any superfluous insurance - hubbie has critical illness and mortgage cover on death which I'm thinking of cancelling, it'll free up another £30 a month, also pet insurance and fingers crossed nothing happens!

 

Thanks again. Back to the sofa for me, chores all done! :lol:

 

Hello Wilchil

 

Uncross those fingers and DO NOT CANCELL THE CRITICAL ILLNESS INSURANCE. The money that you are spending on that particular type of insurance is money well spent, do not take a chance on such unfortunate events never happening in your life!

 

Merry Christmas Wilchil and to all who have supported you in these difficult times.

 

Kind Regards

 

The Mould

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  • 2 weeks later...

Just a quick update ...

 

We sent out a letter to all our creditors on 25th Dec, (what a lovely way to spend Christmas!), saying hubbie out of work, and sending National Debtline I&Es to them all. Offered no payment for now and didn't mention redundancy!! :)

 

Have had letters from HF C, M& S, S antander card and loan, some with DNs, all asking us to contact them.

 

Think we'll just write to them, saying "you appear to have misfiled our letter dated 25the Dec, here's a copy for your information" and wait for them to comment on that!

 

Hope everyone had a good Christmas and wishing you all Happy New Year!!

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Thanks Elsa. Happy new year.

 

We sent a token payment of £1 to all creditors today with a letter to those who have written,saying they appear to have misfiled our letter and here's a copy for your convenience.

 

Fingers crossed, hubbie starting new job tomorrow, will wait to see how much he gets after tax and then do new I&Es for them all.

 

BD, I am still keeping all letters with the envelopes they arrived in, with date received written on them.

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God news re job - I hope that means his tea will be ready and waiting when he comes home every night? :wink:

 

Don't do new I&E's too quickly - if they come back with decent offers (based on your offer and zero interest/charges) on the I&E already supplied then just accept them - and use any excess at end of month to build up a fund for F&F's further down the line.

 

BD

 

PS - you had mentioned cancelling some insurances etc. if necessary. Don't cancel if you can avoid doing so - but shop around and ensure there aren't any better deals on these now available. Insurers have a habit of putting up premiums for loyal clients - and other companies might now undercut your current premiums.

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Yes have just shopped around for motor insurance and home insurance, both came cheaper from other companies, much cheaper! And present insurers weren't prepared to drop price to the same.

 

Only insurance I've cancelled so far is pet insurance. Will take a look for cheaper critical illness cover for hubbie.

 

Hubbie will get tea if he behaves! He'll be working 12 hour day/night by the look of it, so not home for dinner time anyway :(

 

Anyone know if O2 run a credit check if we go for a new Simplicity sim, as we are going to change Hubbie's mobile no. to get rid of all the nuisance calls?

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Hi again,

Quick update. It's been very quiet for the last week, maybe they are actually reading our letters.

However, interesting letter from S antander cards today, saying they have considered our offer of payment but can't accept it because their assessment shows we are able to meet the minimum monthly payment!!! As in our I&Es we listed our income as £440 job seeker's allowance and our outgoings as approx. £2000, not sure how they calculated that!!!

 

Suspect this is just another computer generated letter, not based on any figures at all, just sent to everyone, because why should they be helpful?!

 

Their letter was dated 5th Jan. We have written since then with a token payment of £1 so will wait for a reply to that, unless you advise otherwise.

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Hi wilchil

 

It is computer generated. I finally got them to accept £1 (only for 6 months) and a freeze; but they sent me the same letter as your's after to agreeing to £1. They even said, on the 'phone (I know) that the silly letter would be coming but to ignore it.

 

You can complain to them (all the usual stuff) citing the recent OFT judgement against MBNA and refusal to consider reasonable offers; this raises a formal 8 week complaint procedure which might make a human intervene.

 

love

 

vic

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W

 

I would just ignore this letter since you sent one after it - why give yourself extra work and spend more on postage? When it's time to send the next £1, if you've heard nothing further then prompt them - saying that you since you have not had any formal confirmation you assume banking the £1 cherques to be such confirmation - otherwise these £1 cheques should be returned or refunded. Then refer to their last letter and tell them you assume the letters must have crossed in the post as their last letter was clearly an error.

 

BD

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Can you advise me what to do about the attached letter please? They sent a DN months ago, have passed it on to Albion (DCA??), both are now writing to us, Albion just always ring us, and we always say no. Stalemate.

 

They have had I&Es from us now and banked all our cheques since July 2010. They said they would accept our lower payments and freeze interest and charges after sending us a DN and receiving our I&Es, what a surprise that they haven't done yet!

 

Thanks.

sains1ed.jpg

sains2ed.jpg

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Sorry, will scan again and see what went wrong. DH has been using scanner and scanned this doc, has obviously changed a setting, not sure what. Will scan when I finish work or tomorrow.. Basically they are offering us £250 compensation because they haven't dealt with our matter correctly, it seems!!!

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Nah. Basically says sorry we were unhappy with the service we received, they agree we received a poor level of service from collections area in respect of attempts to set up reduced repayment arrangement and by ignoring our request to be contacted in writing. don't agree that they shouldn't ask for I&Es. Explained that letters and cheques are separated on receipt, so cashing cheques does not mean they accept them. DN issued 23/10/10. Is likely DN will be registered within next 60 days and ac**** passed to recovery agents 9so who the h*ll are Albion??). Once account defaulted no further interest or charges will be added. Collection area not set up to deal with accounts on individual written basis. Prefer telephone. Appreciate we don't want that tho. have removed our numbers (we've changed them anyway! )The letters we have received are standard letters, set up for any customer in arrears. Not intended to be threatening (no?), never meant to knock on the door, just to phone. They don't agree they made excessive attempts to call us. In recognition of poor service we received they ofer us £250 and also have refunded additonal interest of £9.69 (?). We are to let them know if we accept.

 

Should we accept?

 

Thanks.

 

Been working all evening and can't get my head round scanner right now, hope above summary suffices.

 

Thanks all.

Goodnight.

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Hi wilchil

 

In offering £250 they admit they've done something wrong; but where does the figure £250 come from?

 

Repeat your offer with a formal complaint and request for complaints procedure and await their FINAL RESPONSE.

 

Others will comment more forcibly, I'm sure.

 

x

 

v

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Wilchil

 

I agree with Vic.

 

If they're offering £250 they must be scared (although they may just want to avoid FOS getting involved as it will cost them double this if you involve FOS!). I would write back telling them you are still not satisfied with their conduct of your account (don't mention the £250 at all- if they send it then bank it and later write saying this is not a settlement as your procedure is to separate all cheques, bank them and then deal with attached correspondence later:madgrin: - goose and gander!)

 

Also tell them if they cannot handle individual accounts by post they must change their systems so that they can - since anyone can withdraw their right to contact them by phone or by doorstep visit. If they now admit their threat of a door step visit was empty then they contravene OFT guidelines on Debt Collection (easily got on Google). Tell 'em that too!

 

Also tell them they need to change their system regarding banking cheques which are only offered on a conditional basis. Warn them there is ample CASE LAW supporting your contention that in banking these cheques (especially in repeatedly doing so) they HAVE accepted your accompanying conditions.

 

Ask them to clarify WHY Albion are now chasing you when their letter says they have not yet put it out to DCA's? Tell them you want a FINAL RESPONSE and you'll involve FOS if not satisfied. I take it you did give them the abbreviated F&F recently? If not then send it now. In fact send it again in case this is now enough to get them to play ball. Copy CEO on all of this.

 

Write to Albion telling them you are in direct contact with Sainsbury CEO and you will NOT deal with them UNLESS they send you written proof of their status in this situation, including (but not limited to) a Notice of Assignment which conforms with provisions of Law of Property Act 1925.

 

Go get 'em Gal!

 

BD

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