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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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    • 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  
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Wescot - Help!


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I have just received a letter out of the blue from Wescot Services telling me I owe Barclaycard £4K,

 

The only Barclaycard I had was some 20 years ago and I have no idea if I left a debt on it - it's that long ago I honestyly cannot remember - it's very frustrating and VERY scary!

 

Can someone please advise what I should do as they want me to call them or they are "taking action".

 

HELP!!!!

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You need to send them the 'Prove It' letter from the templates, Westcot are the easiest ones to get rid of.

 

Basic rule is DO NOT SPEAK TO THEM ON THE PHONE, they will tell you that they will send info if you pay X amout and then claim that you have restarted the Statute of Limitations which is totally rubbish.

 

Other people will be along soon with more advice.

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Hi again. Received letter this morning from above tellign me I owe Barclaycard 4K. The only B/Card I had was when I was in my teens some 20 years ago and I have no idea if I left debt on it or not - I know, I know, but I swear I have no idea!

 

Obviously I don't want to phone these people and someone advised me to send the PROVE IT letter - which letter is it? Is it template M or N please? Or something completely different?

 

Would appreciate someone letting me know - thanks in advance xx

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Hi

Personally, I would ignore the muppets unless they sent court papers through. This is probably a phishing letter.

 

If you do want to hit this head on, have a look here

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

Letter 18 is the first one to send followed by letter 2

 

Make sure you send it recorded delivery and don't sign anything

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Just received letter out of the blue from these people telling me to call them re: a debt to Barclaycard. The only c/c I had was some 20 years ago and I have absolutely no clue if I left a debt on it or not but being a stupid teenager wouldn't be surprised if I did.

 

I have no idea how they found me as I am married so have a different name (which is on the letter) and have moved quite a few times since being a teenager but anyway - my question is - I have put this on another section and someone told me to send the PROVE IT letter to them - which template is this please? Is it M or N or something else completely? I'm obviously keen to send something to them before they come knocking - eek!

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but the statute barred one talks about not paying anything towards the debt for over 6 years and i have no idea if I even owe it let alone paid anything towards it ............. does that matter?

 

Any idea what the PROVE IT letter says? Maybe I should send that first but I just cannot get into the template - aaagh!

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we don't like to publish the letters on open forum so I'll private message them to you. hold on

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Here it is.

A letter used when a debt collection agency contacts you about an unknown debt. Red script is editable

 

 

Name/Address:

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

I would also point out, even if there was any money outstanding on this card. It is very likely that the debt would be Statute Barred, if you've made no payments or had any contact for 6 years or more.

Good luck

 

Debs x

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A letter used when a debt collection agency contacts you about an unknown debt. Red script is editable

 

 

Name/Address:

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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but the statute barred one talks about not paying anything towards the debt for over 6 years and i have no idea if I even owe it let alone paid anything towards it ............. does that matter?

You will only have to look at your bank statements to see if you have been paying anything to them in the last six years, TBH and IMO I would send them the SB letter, let them prove that you have been making or made any payments toward this in the last six years.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Regarding your PM,

Here are the links to the 3 Credit reference agencies out there.

You can write and get copies or you can do it online. the basic report costs £2

Experian:

http://www.experian.co.uk/consumer/statutory-report.html

Equifax:

http://www.equifax.co.uk/

Call Credit:

http://www.callcredit.co.uk/stat-report-online/

 

If wescot have put anything on there you must complain to them.

 

If you are worried that any letter you send will mean you have acknowledged the debt (you haven't), you can always head your letters, "I do not acknowledge any debt to your company nor any company you claim to represent."

 

Fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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oh right yes, well no I have paid nothing but the statue barred letter is sort of admitting to the debt but saying I have paid nothing towards it if you get what I mean ............ so I think perhaps I should send the prove it one first?

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Three threads merged.

 

flashymoon, can you please continue to post on this thread regarding this issue.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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you want some advice, file the letters from westcot under ignore, if I sent you a letter saying by the way you owe me £4K from an account number 1234567812345678 would you get in a tsi and pay me, without these folls sending any proof of a debt then if you cant recall any debt chances are there isnt one, chill out and relax,

 

why waste your time and effort for a buch of numpties

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Hi Guys - finally heard from Wescot who have acknowledged my "prove it" letter and want me to provide within 10 days, a list of my 3 previous addresses.

 

I have lived at my present address for 13 years so I'm kinda thinking why the hell should I provide addresses - hell I can't even remember my last 3!!!

 

So now what do I do? I obviously need to respond but what should I say? Would really appreciate anyone's help!

 

THANK YOU XXX

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Tell them:

 

That you are aware of the OFT guidance on debt collection and that they should have been certain that you are the correct person before contacting you.

 

You do not owe Barclaycard any money and that you expect this to be the end of the matter

 

If they continue to harass you or make any adverse entries on your credit reference then you will take action against them

 

That they should also consider the letter as a formal complaint to be passed to their complaints department

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