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    • 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.
    • 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!
    • 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.
    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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logbook loans vs police


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icon1.gif Post Un-Approved

Hi cctv engineer,

 

The post that you created in the following thread has been un-approved

 

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I am not privvy to the finer detai...

Thread: logbook loans vs police

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  • 2 weeks later...

Tall order CCTV : )

 

Much better you post the details of the fraud unit and let caggers send off there information directly; like we do to the OFT.

 

I only say this as a precaution - as many on here prefer to keep their identity anonymous.

 

I think you will get a bigger better response that way?

 

Hope this helps?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi CCTV,

 

The police were present when LBL came and took my car for some one else's debt. I gave police proof of purchase in 2005 I gave them proof that I had 6 months earlier spent £2000 on putting new engine in car.

I reported the theft of the Logbook by the borrower to gain the loan. They did nothing.

I reported the theft of the car by LBL and they did nothing.

I didn't take out the loan nor have I sold the car it has always been mine.

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I think the thread title is a bit misleading ?

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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Yes I understand the request-I mean the thread title is confusing.

Maybe should read - Logbook Loans / Police response to victims requesting assistance.

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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HI Martin,

 

Any thing that will bring forward enough people so that our cause will be listened to I am a victim of LBL. I have owned my car since 2005 loan was put on 2008 and not by myself. They took it they sold it and I'm in High court on the 27th July.

The police seem to make it up as they go along with some crimes. Why theft is theft a criminal activity that has one rule for all not depends who and what the situation.

 

The criminal seems to be supported these days by the old bill. I seem to be on the wrong side of the law to get help from the police.

Maybe I should take up a life of crime stealing people property as long as I can say I'm entitled to it thats OK. Don't even need evidence of this now a days but just the bollux to front it

 

And this is Justice

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Hi Martin3030

 

Could head it up as 'Police Fraud Unit - Agree to Investigate Log Book Loans'

 

But I still think CCTV should submit the details of the unit on the forum to allow caggers to submit their info directly to the unit concerned.

 

Can't think of any reason whey this can't be done - unless CCTV can advise?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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I am not privvy to the finer details.

Understandably furnishing info by pm is not something everyone will be comfy with.

It may be the case that CCTV engineer is not yet in a position to reveal everything.

I would be happy to help out with finding a way to move forward,if CCTV engineer feels minded to share some info.

We are all here for the same ends regardless of who where and what.

The offer is there to help-CCTV you can either pm me or else ask a fellow team member.

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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icon1.gif Post Un-Approved

Hi cctv engineer,

 

The post that you created in the following thread has been un-approved

 

-----

Post ID:

I am not privvy to the finer detai...

Thread: logbook loans vs police

-----

 

This is an automated message, please do not reply.

 

Regards,

The Forum Management

Edited by cctv engineer
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Thanks CCTV-Theres some good insight there.

its clear from a number of points that its best to remain cautious on account of monitoring.

I have replied to your earlier message.

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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Thanks guys

 

Things are a lot clearer now - but roll on next week : )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi CCTV I auto unapproved it actually in view of the info you gave to me regarding other eyes.

It was then re-approved on the basis that you obv felt what you DID post did not give too much away.

Thats last I saw-it WAS posted back up.

I will take a look at the logs to see why it is not here-it certainly was last night !

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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Or have you deleted it yourself ?

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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  • 2 months later...

Hi Guys

 

I have asked a few times now CCTV give me details of where and who we talk to in the Police.

 

I am in court at the min with LBL.

They took my car for someone elses loan. This is clearly theft and fraud. But I have not had any response.

 

I find this very strange.

 

I have spoken to CCTV on the phone nand he gave info to me but still cant confirm it truth.

Why wont CCTV reply to my PM. If he is here to help then help.#

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thanks for reply.

 

Yes in theory that is true, but the case was transfered from high courts because Wisemere played dumb and had no case prep and asked that this be dealt with because of late service of docs and they had no time to prepair. This was aload of bollux he just didn't bother.

 

Just got their defence and its a joke.

 

Can anyone p[lease tell me if they record all calls at LBL

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I like Nicky am also being sued due to a loan put on a vehicle 4 years after I bought it by the person I bought it off.

 

I phoned The Police and they would not let me report this fraud as a crime as I have not been affected by it - I am being sued!!! I feel very affected. I did point out that using their logic if I saw a murder I should not report it as I was not dead and it hadn't affected me.

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Hi,

 

How did he get the loan. because they should have pic of him with the car. Have they got the car?

 

Why are they doing you its not your name on the loan. What does your solicitor say

 

They don't have the car as the woman I sold the car to 3 years ago is the one stupid enough to pay them when they knocked on her door. She paid them £2,500 and is now sueing me for the money - even though the loans were taken out while she owned the car!

 

He took at least 7 Bills of Sale on the car, I think they just kept handing them out without any proof of ownership, there was a gap of 18 months between a couple of the BOS but they still gave him one - he obviously also could never provide them with MOT of Insurnace documents. I only found out all this a couple of weeks ago. Her solictors wrote to me yesterday and said they are going to talk to Mobile Money about this - I think they think they are still going to win when the case gets to court.

 

My solictor says don't worry about it. Mobile Money were issueing unenforceable loans. My Police told me I also couldn't report it as a crime as I was going to win the case, FSO told me I couldn't report Mobile Money for fraud either as I was not affected by it, the woman who paid the money would have too.

 

I have looked into reporting her solictors to the Law Society for bringing a frivolous case againgst me - but I don't think I can as I am not employing them.

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hi

 

well this company are excelling themselfs again. Think the bosses are reading to many bond novels. Its getting crazy. The woman should be going after LBL or who ever and its her afault for paying them. Serves herself right. People that just pay up knowing they are in the right make me sick she deserved that. And that is why this type of company get their power from brain dead robots like her.

At least your old bill passed a comment not like mine sitting in their new multi billion pound big brother house on the hill

 

SITE TEAM WE NEED DETAILS OF POLICE THAT WILL TREAT THESE CRIMES AS THEFT AND FRAUD. HOW DO WE FIND WERE TO TAKE THEM

 

BUMP

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  • 1 month later...
They don't have the car as the woman I sold the car to 3 years ago is the one stupid enough to pay them when they knocked on her door. She paid them £2,500 and is now sueing me for the money - even though the loans were taken out while she owned the car!

 

He took at least 7 Bills of Sale on the car, I think they just kept handing them out without any proof of ownership, there was a gap of 18 months between a couple of the BOS but they still gave him one - he obviously also could never provide them with MOT of Insurnace documents. I only found out all this a couple of weeks ago. Her solictors wrote to me yesterday and said they are going to talk to Mobile Money about this - I think they think they are still going to win when the case gets to court.

 

My solictor says don't worry about it. Mobile Money were issueing unenforceable loans. My Police told me I also couldn't report it as a crime as I was going to win the case, FSO told me I couldn't report Mobile Money for fraud either as I was not affected by it, the woman who paid the money would have too.

 

I have looked into reporting her solictors to the Law Society for bringing a frivolous case againgst me - but I don't think I can as I am not employing them.

 

 

Hi ya

 

I think your case is different from Nicky's - my thoughts are that all you 0need to prove is that as the first innocent purchaser (HP Act 1965) - that you were unaware that the vehicle was encumbered and that you seek the protection of the HP Act.

 

This should dispel the ladies claim against you - for whilst under any other circumstance she may have a valid case - the reality is you sold her the car in good faith.

 

Just my thoughts : )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi Guys,

 

Yes from all the posts I have come across mine is the only one where a loan has been put on someone elses car and then removed. I cant find any case history relating to this either. It seems to be a one off.

Thank god

It is not a very nice situation to find yourself in.

LBL still are standing by their guns and saying it is their car.

With all the evidence that has been produced for the case. They are either hoping I will give up and go away or they are thick.

 

Well I have news for them, I love a good fight as well. I will fight to the end right to the High Courts if need be. Untill justice provails.

Thing is I dont think they have got it just yet but I will become their thorn in their sides. Im the Litigant in person and they have a personal interest in the case, so tend to go the extra mile. LOL

 

Cross the Ts and dot the Is as they say.

 

I challenge everything and it works for me. I have proven things in the past that the legals said would fail.

 

So Im looking forward to the trail in January.

 

This case will be a very powerfull tool for the OFT case. Details will be published in January on the forum.

There are criminal charges from this case alone to come

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