Jump to content


  • Tweets

  • Posts

    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • 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  
  • 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
        • Like

HFO chasing 3 CITI Loans + **WON PPI**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3724 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 309
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

ok have heard back from citi with a bit more info, they have given me a date in 2007 that it was sold to HFO SERVICES

Was this in writing, there is now a conflict in who the account was sold to, as the NoA states it was sold to HFO Capital.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Cannot have been sold to Services can it?

I have never known one and the claimant themselves are saying it was sold to Capital, you need to get back to citi with your concerns and you want a printout with the correct info on.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

I have it in writing AND a copy of the letter..when at work tomorrow will scan and post. Def says Services was later in 2007 than jan .

 

PS apologies for delay..a delayed xmas and Manic first week back!

 

 

Sorry when I say letter I mean a copy of the Original letter Citi say was sent... As I say I ll dig it out tomorrow. Thanks all much appreciated as always!

Link to post
Share on other sites

  • 1 month later...

That’s a made up HFO copy – can tell by the grammatical errors.

 

But they claim it was sold DIRECTLY to HFO Services? Previously they’ve claimed HFO Capital owned it!

 

Time for sight of the sale agreement or deed of assignment. This should be interesting – this is a very tangled web HFO are weaving.

Edited by DonkeyB
Link to post
Share on other sites

I was about to say you couldn’t make this up... but they have, literally. You now need to ask Citi DIRECTLY whether they have acquired this information from HFO, or whether it is from their own records.

 

If it is not from their own records, then the ICO will want to hear about this. It will be a case of HFO providing the info, not Citi – and that is absolutely a no-no under an SAR.

Link to post
Share on other sites

That’s a made up HFO copy – can tell by the grammatical errors.

 

But they claim it was sold DIRECTLY to HFO Services? Previously they’ve claimed HFO Capital then too Services!

 

Time for sight of the sale agreement or deed of assignment. This should be interesting – this is a very tangled web HFO are weaving.

 

Cheers Donkey

 

 

How can I get sight of sale agreement or deed of assignment?

 

 

re Citi DIRECTLY, shall I send their data protection team a letter asking for exatly that?

 

what does everyone think? And what does this mean for me this letter? or is it too early to say?

Edited by batleyboy
additon
Link to post
Share on other sites

Cheers Donkey

 

 

How can I get sight of sale agreement or deed of assignment?

 

 

re Citi DIRECTLY, shall I send their data protection team stating exatly that?

 

what does everyone think?

 

First up, they have already claimed that HFO Capital Ltd is the debt owner (see post 43, second image). Therefore the notice of assignment fails. Bye bye debt.

 

Do you have a copy of any NoA that HFO claims to have sent you? This could be fun...

Link to post
Share on other sites

First up, they have already claimed that HFO Capital Ltd is the debt owner (see post 43, second image). Therefore the notice of assignment fails. Bye bye debt.

 

Do you have a copy of any NoA that HFO claims to have sent you? This could be fun...

 

OK cool I thought as much to a degree but being green with this I didnt want to assume anything.

 

No I havent had any NoA from HFO, everything I have is on here ...... to be honest I d rather not contact them at all as heard nothing from them!

Link to post
Share on other sites

It is relevent that it has taken months and several letters from you to get this from Citi, they did not send anything remotely about this in the first batch of data. Did you threaten them with court action or the ICO for non compliance?

 

Congratulations because I cannot get anything out of Citi!

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Hi Cole, no i got nothing like this in first batch ( see one of earlier posts) Only sent them to letters on thread so nothing TOO heavy. Odd that I got some and you didnt as I m fairly certain my letters come from you so doubt I did anything any better,,,

 

so so far letter in post 43 show capital, Noa shows services, is it really that simple?

Link to post
Share on other sites

Also you should update your complaint to OFT using your previous reference number but possibly request some more information from Citi. Did Citi send a covering letter with this and what did that say?

 

But BBoy, you are a star! :-D

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Whizz back through your thread for the data team address. Ask them, as a continuation of your SAR request, whether that latter was sourced from HFO or whether it was a copy held by them since August 2008. If they answer honestly, there will be problems. If they lie, we will know (because there is only one answer!) and there will be problems.

 

The date HFO record for purchases is hardly ever the same date the account ‘left’ Citi. Did your SAR show up statements such as when and to whom the account was sold?

 

Make it clear you require the information recorded on Citi’s systems. The fact that they have clearly used info and probably a document supplied by HFO (probably by someone who doesn’t understand the assignment trail) will be the cause of a very serious complaint. It would mean that the NoA sent is NOT contemporaneous with the assignment, and that it has been possibly produced to assist HFO in getting monies out of you (I don’t need to spell out the consequences, but the OFT would want to hear). It was not sent to you in August 2008, clearly.

Link to post
Share on other sites

Seriously, folks – HFO are a whisker away from being booted out of business by the OFT. Getting to the root of this possible deception with false documents could really be useful. It won’t do Citi any good either.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...