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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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1st credit & Vanquis Bank/credit card advice needed please


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I'll try to keep this brief.

 

I had/have a vanquis bank credit card, I hold my hands up and say I defaulted on payments and now owe them just shy of £600.

At the end of last year I got into finiancial difficulty and like an ostrich hid my head in the sand:sad:

I have since paid off one of my debts, today a company called 1st credit called me to say Vanquis had passed the debt to them.

 

Again I stress I don't dispute the money because I do owe it but like thousands of others I'm not in a position right now to pay it in full which they demanded.

They then offered to discount the debt to £450 BUT I had to pay it over three months £150.00.

 

I offered £30 a month to start with as that is all I can truely afford, I explained to them I wanted to pay it but would not be bullied into paying more than I could afford as then I would default and be back to square one!

They have told me that Vanquis have put a limit on when the debt has to be paid, which according to them means I have to pay at least £60 a month and I just don't have it at this time:sad:

 

Does anyone know where I stand legally? That they have refused to accept my payment of £30 a month.

I appreciate this debt is of my own doing but I'm doing my level best to pull myself out of it.

Thanks

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YOU dictate how much you CAN afford. No-one else has that right. If you have worked out your I & E no one is entitled to view this information but you, and YOU tell them what you can afford.

 

Most people on CAG advise against speaking with these types on the telephone because they lie, threated and badger you into such a state you believe what they are saying. If they telephone at all do not answer their security questions and tell them in writing only.

 

You say they have refulsed to accept £30 a month, do you have this in writing, if so keep that in a safe place.

 

Tell them you will be setting up a Standing Order (do NOT give them any of your banking details). Make the amount what YOU can safely afford and no more. If you are on Jobseekpers or any Benefits a Judge would normally set this at around £1 per month.

 

How old is your Vanquis account? as there is another avenue we could go down too.

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Thank you sooooo much for replying it's a weight off my shoulders just to talk to someone about it.

The debt is about a year old.

I paid them £20 over the phone today and am supposed to ring tomorrow (as it's payday) to pay a further £30.

The lady I spoke to said I had to fill in a form detailing all my income and outgoings, provide wage slips etc so the solicitors could go over it and deicide how much THEY thought I could pay.

 

I've just been reading some previous threads and think I've done everything wrong already:oops:

They kept phoning me at work, so to stop that happening I phoned them today. They insist they sent me a letter but I have recieved NO letter from them.

Should I pay tomorrow? Especially as I do owe the money.

Thanks

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You do NOT have to fill in an I&E form. Only a court can order that.

 

Send the harassment letter from the letters templates. That should stop the phone calls.

 

These people are annoying. You clearly want to pay, and have made an excellent offer. However, their greed means I am keen to make them suffer... they are not treating you fairly or seriously.

 

When did you take this card out? Might there be any charges on the account, or PPI? I feel a CCA request coming on...

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it puzzled me why they are offering a discount

 

typically this only happens when there is a known issue with the CCA being faulty and un-en

or the balance is made of mainly unlawful charges & PPI.

 

you are under NO legal obligation to negotiate over the phone.

 

and to be perfectly honest, if you gave them card details, i'd phone your bank and tell them you have damaged your card and it will no longer work.

 

these muppets will fleece you blind so be careful.

 

stop talking to them on the phone and remember they have

 

NO LEGAL POWERS to do anything to you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Of the £600 owing now the origianl debt was £250 the rest are overlimit or late charges! However I went overlimit because they charged a late charge!

 

Can't remember the exact date I took it out but think 2008. So do I ring a pay them tomorrow?

Seriously guys I can't tell you what a relief it is to talk to people about it :-D

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I dont' have statements to hand but know my limit was only £250 which I never went over until the late charges...................so a rough estimate would be £600 less £250 is £350 of charges! Plus 8% is £380 leaving £220. I didn't have PPI I still can't believe I was stupid enough to get in this much debt over £250!

 

Do I carry on paying them as I said I would? Although this was only agreed by 1st credit until I submitted my I&E which I won't do now. I'm not sure where to go from here

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Just been rooting around in my paperwork.

 

I took the card out in October 2006 - much longer than I thought.

 

My latest statement shows a repayment option plan of £6.95.

Does this change the CCA?

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look in the library top left tab

 

cca 1st credit

 

sar to the oc vanquish

 

use postal orders

 

you can leave the £1 blank

 

p'haps put vanquish on the sar one

 

dont sign the letters

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Morning,

I'm just sorting my letters to send to Vanquis and 1st credit.

 

I've found the CCA template but can't seem to find a SAR one, I'm sure it's a case of not seeing it for looking but if someone could post me a link to it I'd be grateful.

 

http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

 

remember to edit depending on who you are sending to DCA or OC

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Today I received two letters from 1st credit. One saying I owe money pay now - which they said last Thursday has already been sent out but letter is dated 11th November.

The second was is dated 12th November the day after I spoke to them.

It has a "Financial Statement" that I'm supposed to fill in with all supporting documents., I assume that I ignore all this?

I'm a bit concerned about ignoring it as on the phone I offered £30 a month which I was told was unacceptable but in the letter they have agreed to it on an interm basis until I send back form.

 

Would I be better off to continue to pay £30 a month until they provide me my CCA which I sent recorded delivery on Fri 12th or withhold payment?

 

I'm confuddled!:???:

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Ignore their stupid text.

 

If they call again refuse to answer their security questions, tell then you are concered about identity theft, tell them in writing only and put the phone down.

Do this every time they ring, they will soon get cheesed off

Do not enter into any conversation with them on the phone

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Thanks :-)

 

They phoned a second time at about 6pm, I wouldn't confirm who I was or gave any details, just asked them in future to communicate in writing only..........then I hung up which perversely was highly satsifying!

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