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    • 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!
    • 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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PPI Claim Welcome Finance/Broker


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Hi

 

Have being trying to reclaim PPI plus othe insurances from Welcome for some time.

 

They say that as the Broker sold it i should claim against the broker.

 

As it is a Welcome policy - sold with their HP agreement - and with the fact i have evidence the broker got a secret commission from welcome, what is my best option?

 

Should welcome have checked that all needs and demands questionnaires were done etc?

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  • 5 weeks later...

Hello Dadofholly.

 

I'm in the same boat mate, they sent a letter the other day saying that they never had anything to do with the sale of ppi and that i should contact the broker. The broker had nothing to do with the sale of ppi, because the proof i have lies solely with welcome !!

 

welcomes own t & c's clause 15 states that they are responsible for all insurances...... I'd like to no what they are playing at !

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Hello Dadofholly.

 

I'm in the same boat mate, they sent a letter the other day saying that they never had anything to do with the sale of ppi and that i should contact the broker. The broker had nothing to do with the sale of ppi, because the proof i have lies solely with welcome !!

 

welcomes own t & c's clause 15 states that they are responsible for all insurances...... I'd like to no what they are playing at !

 

Well spotted will have a look at that.

 

In my case it was arranged by a broker - but i can prove it was mis-sold and have forged signatures. I think they are arguing that it was mis-sold at the point of sale, (which is true), but he was acting as their rep as they paid him a commission.

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If Welcome are saying they are not involved in the sale and they didn't sell it then maybe they should explain this....

 

15 PAYMENT PROTECTION INSURANCE

Where you have opted for Payment Protection Insurance overleaf;

15.1 we shall effect a policy for Payment Protection Insurance with a reputable insurance company ("Insurers") in relation to

this Agreement, you and the payment of the Payments by you to us;

15.2 you authorise us to pay the Payment Protection Insurance premium to the insurers;

 

I hope this is helpfull

Btw this is clause 15 from their own T & C's.....

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Legal defenition of the word effect..

 

As a verb, to do; to produce; to make; to bring to pass; to execute; enforce; accomplish. As a noun, that which is produced by an agent or cause; result; outcome; consequence. The result that an instrument between parties will produce in their relative rights, or which a statute will produce upon the existing law, as discovered from the language used, the forms employed, or other materials for construing it. The operation of a law, of an agreement, or an act. The phrases take effect, be in force, and go into operation

 

So in other words.................. they sold it.

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  • 1 year later...

The FSCS have been dealing with a claim of mine from Welcome since the 25th Feburary. Everything seemed to be progressing nicely until about a week ago, there was an issue with it being broker sold. It all of a sudden looks quite ominous for me now as i can see welcome trying to wash their hands of it. It appears that Express Finance are now responsible although i phoned and told the FSCS sbout section 15 of the terms and conditions as mentioned. The advisor couldnt comment much more on the claim, only saying there is no time scale now as it can take a long time to get through legal issues. All my dealings have been with Welcome finance and then all of a sudden you hear oh we arent responsible for your ppi!

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The FSCS have been dealing with a claim of mine from Welcome since the 25th Feburary. Everything seemed to be progressing nicely until about a week ago, there was an issue with it being broker sold. It all of a sudden looks quite ominous for me now as i can see welcome trying to wash their hands of it. It appears that Express Finance are now responsible although i phoned and told the FSCS sbout section 15 of the terms and conditions as mentioned. The advisor couldnt comment much more on the claim, only saying there is no time scale now as it can take a long time to get through legal issues. All my dealings have been with Welcome finance and then all of a sudden you hear oh we arent responsible for your ppi!

 

If you get nowhere with the fos let me know and i can recommend a firm that may take it to court on a cfa basis - after a recent case they have the measure of welcome and are very keen to get them on the stand under oath. Can't say to much yet - but if you get no joy it would not harm to sound them out - they need to be properly tested on this. And their evidence but under very close scrutiny.

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Cheers for that. I have never known a more shoddy organisation. They even lost 2 letters of mine requesting my ppi to be cancelled. I really had alot of faith with the FCSS, not sure if i am so positive about them now.

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They didn't 'lose' your letters - they ignored them - they done the same with me and claimed they never recievedthemt - except on one occassion i had my wife take a photo of me in their office, at the desk, and holding the letter, before handing it over in person.

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They didn't 'lose' your letters - they ignored them - they done the same with me and claimed they never recievedthemt - except on one occassion i had my wife take a photo of me in their office, at the desk, and holding the letter, before handing it over in person.

 

I cant beleive that about your Wife!! I went into the Belfast branch and signed a welcome finance headed paper in the prescene of an advisor and it was still lost or as you put it, ignored.

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