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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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      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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Minicredit -advice please


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This was your post: 'They cannot send debt collectors to your house without a court order' - this isn't correct. They can send a doorstep collector, who would have no bailiff's powers. Also, continuous payment authorities are nasty, nasty things. Luckily there are steps being introduced to change how they work - the sooner the better.

 

Actually that wasn't my post but it looks like we basically agree so i'll leave it there.

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  • 3 weeks later...
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I am in the same position with Mini Credit. I took out a loan of £150 with them with a view to paying it back on 26th December 2011 but unfortunately my father died. I phoned them and explained that due to travelling up to Scotland, helping the my brothers and sisters look after my mum and arrange a funeral I was unable to pay this amount. I was told by the lady on the other end of the phone that I should ask my family for money to pay for this as they do not do payment plans.

 

I was astounded!! I refused to pay, and anyway I had other things on my mind rather than worry about them.

 

Once the dust settled with home life and I was back at work I contacted them to see if they would be reasonable with me with regard to setting up a payment plan but they blatantly refused. I changed my bank account to make sure that no money was taken. At the end of January, I telephoned them again to say that I could pay £150 but they advised me that the amount was now £496!!!!! I refused to pay them and hung up. I can't afford to pay that amount in a one off payment.

 

I went to my CAB and they were no help whatsoever.......they advised me to borrow money to pay them off!!!!!! That is a joke!!

 

I have now received a letter advising that they will be sending doorstep collectors to my house between 17th and 24th February 2012 to demand £600. I am at my wits end, not sleeping and it is starting to make me ill.

 

Can someone please help me

 

Regards

Theakston

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What you need to do is email them telling them this, phoning them does not leave an 'evidence' trail, and contact the OFT and Trading Standards who are doing an in-depth study on this murky area.

 

The OFT are at http://www.consumerdirect.gov.uk

Trading Standards http://www.tradingstandards.gov.uk

 

Also contact MP Stella Creasy, she has journalists waiting to run stories on the bad service these companies give - bereavement IS a good reason for not repaying, and the person who asked you to borrow money from family was way out of line and against the OFT's guidelines on debt collecting.

 

As for the letter - the person who shows up can be told to get knotted (or other pithy phrases) and tell them you will call the police if they don't leave. They have no more right to call on you uninvited than a wandering cat.

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I too am in the you-know-what with PDLs and MiniCredit in particular. I borrowed £300, made one rollover payment of £99 and failed to pay up on 1 February. I have experienced the same as you guys in terms of non-response, threats etc. I sent them this email this afternoon:

 

Thank you for your email of 20 February.

 

Could you please:

 

1. Could you please reply to my email of 1 February requesting that charges and interest be frozen and further requesting that a repayment plan be arranged.

 

2. As at today’s date (20 February 2012) I am unable to access your website, and therefore my account. A requested new password does not work with my mobile number. I cannot therefore verify or check any of the data relating to my account. I am also unable to contact you via your preferred method (i.e. through your website).

 

3. Please explain how the outstanding balance of £678 is made up. To remind you, I borrowed £300. One month’s outstanding interest amounts to £99. I should be obliged to know how this sum could escalate by a further £279 in only 20 days.

 

4. I note your reference to “THE DOORSTEP COLLECTOR”, please be advised that under OFT rules you (or your representatives) can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you or your representatives. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

5. I have previously advised you that any attempt to contact me must only be made in writing.

 

6. I note your threat to contact an employer. Any attempt to call a third party regarding this matter is in breach of OFT Guidance and will be reported as a complaint to the OFT.

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How did you get on with these people in the end??

 

I am thinking about defaulting with them this month while I sort out my finances and making some kind of token payment... I owe £310.00...

 

Any advise would be good... As I am not too aware of my rights etc :)

 

AJ2012 xx

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Hi guys,

 

I dont know if any of you were listening but I spoke on Radio 5 live on Sunday about this company. You can read the article here:

 

http://www.bbc.co.uk/news/business-17127951

 

I think there is also a Podcast so that you can listen to the show. A lady from National Debtline spoke after me and I would seriously advise anyone having problems with payday loan companies to seek advice from them or another free debt charity.

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Well I have a payment plan set up with Frederikson to pay it off. The whole thing was getting to me so much that I just wanted it sorted and to stop getting phone calls and letters. I have written to Minicredit today to ask that they get rid of the charges and the ridiculous interest. I'm also going to contact the OFT today.

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  • 2 weeks later...

I note your reference to “THE DOORSTEP COLLECTOR”, please be advised that under OFT rules you (or your representatives) can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you or your representatives. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Best Advice ever...

 

Just phoned MC and spoke to a rude foreign lady, when I stated this info she said I cannot deny that. I let her know that if at any point between now and the 14th a doorstep collector arrives at my door I will not only take the matter further I will take MC to court and claim damages. Lets just say she quickly changed her tone and expressed her apologies.

 

I wish I could become a crusader and get all of these Payday places shut down!!

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quick update on my case:

 

I told Frederikson that I had done the radio interview and sent them a copy of the newspaper article. Bryan Carter solicitors emailed me back and told me that they would close my file with them and send it back to Minicredit.

 

Now to deal with minicredit again!

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You ARE a crusaider now, you have joined this site and have found knowledge they don't want YOU to have.

 

Cash_flo, did I not say that Uncle Bryan would run when challenged... well done on the radio interview.

 

The more people who stand up to these bullying PDL companies and their solicitor for rent friends the better.

 

The solicitor for rent trade will be next in the firing line after the PDL side has been cleared up.

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  • 3 weeks later...

Nope. Not yet. They've threatened to, but they have no legal grounds to. Even if they did, you can put a personal defense in and they would have to send someone to explain the excessive charges and interest. If nobody turns up, you'd win by default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They broke the regulations for a start in regards to charges/interest not being explained properly, then also adding on hiked interest.

 

I shouldnt have said legal grounds, more that they wouldn't take it to a court because of those excessive charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Could someone help me please. I got into trouble with minicredit with a £100 loan. I couldn't get an answer or anything when trying to contact them to do a payment plan. I have just received a call from Mr Fitzgerald about the £831 I now owe them. When I asked about a repayment plan I have been informed that they are not a bank and I should have paid the money back and they know nothing about a change in circumstances (but they wouldn't because they would not respond). If I do not pay by the end of the month they said they are going for attachment of earnings. I don't know what to do. They said if I could get a friend to help out they will take £415.80 to settle the debt but I must pay by the end of the month.

Help me please

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Dont speak to them on the phone. Ever.

 

They are trying to bully and harass you into paying back an extortionate amount that would never stand up if it ever went near a court. All you owe them is the original loan amount plus interest. They cannot deny a repayment plan as they would be breaking OFT regulations, and if it went to court, the entire case would more than likely be thrown out.

 

Is there any chance you can create a brand new thread for your case, as it will allow you to have all information in one place, instead of in multiple forums.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Could someone help me please. I got into trouble with minicredit with a £100 loan. I couldn't get an answer or anything when trying to contact them to do a payment plan. I have just received a call from Mr Fitzgerald about the £831 I now owe them. When I asked about a repayment plan I have been informed that they are not a bank and I should have paid the money back and they know nothing about a change in circumstances (but they wouldn't because they would not respond). If I do not pay by the end of the month they said they are going for attachment of earnings. I don't know what to do. They said if I could get a friend to help out they will take £415.80 to settle the debt but I must pay by the end of the month.

Help me please

 

They can only get an Attachment of Earnings Order if they have a CCJ in place.

 

They tend to dole out empty threats and, I imagine, trying to get £800 from a court for a £100 debt is likely to see them faced with some difficultly.

 

However, in accordance with good form please set up a new thread and send me the link to it. We can then advise on it from there.

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For them to get an attachment of earnings they would have to take you to court, and win and then you would have to not pay the court the amount deemed due, then more paperwork would go out before this attachment of earnings would happen. They are a low priority anyway and a judge could very well ask THEM for proof of the amount you owe

 

Asking you to borrow from friends and family is against the OFT Guidelines on Debt Collecting, as is the Attachment of Earnings threat, so as the OFT are doing an indepth investigation into their murky world you can now complain to them very loudly.

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  • 1 month later...

On my account it says I borrowed 250 but the orginal contract does not state what I actually borrowed just my credit limit was 1500.

I seem to owe over 1300 surely the agreement should have stated how much i orginally borrowed.

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How much did you borrow, and how much interest was stated on the original application. How much have you repaid so far? Minicredit are known for breaking the law and regulation, and inventing fictitious charges. It's why they are one of the worst PDL's to deal with.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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