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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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      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.

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    • 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

Quick Quid/MH. **


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Thanks for your responce I will certainly do that.

 

If you could help with the next matter I would be greatly appreciative.

 

I got myself in to quite a bit of debt ion the past year or so due to redundancy etc,

 

I am now trying really hard to clear it all up and try to clear my credit file.

 

I had a payday loan with a company who subsequently passed the debt on to Mackenzie Hall

who have recorded the payment as defaulted on my credit file.

 

Mackenzie never sent me a letter to say they were going to record this on my credit file neither did quick quid.

 

I have asked for a copy of this and was advised by Mackenzie that quick quid emailed it to me.

 

I advised I never recieved it and asked for a copy, which they said they would obtain.

 

Until this day i have yet to recieved a copy.

 

On top of all that the loan is recorded as a mail order catalogue on my credit file,

which they have admitted is incorrect and advised in October they would recttify.

 

They have yet to do so.

 

I complained to Equifax who placed a dispute on my account

but then responded saying the company involved have advised all info is correct.

 

Below are the latest email correspondance which we have had.

 

What is the best route to take from here?

 

From: mackenziehall

To: Me

Subject: RE: Website Complaint

Date: Fri, 8 Oct 2010 08:59:11 +0100

 

 

Apologies for not replying sooner but I was awaiting a response from our clients.

 

The “mail order” category of the default has now been amended with Equifax and its correct status will show on the next update. We are still investigating, with Equifax, where this error has arisen from.

 

We received confirmation from Quick Quid on Monday, the 4th of October, that the original request we made had not yet been fulfilled but that they would resend this to their compliance department and a copy of the default notice will be emailed to you direct.

 

We are fully aware of the procedures used within Quick Quid and having reviewed the default notices sent to all their customers I cannot authorise the removal of this default from your credit file at this time.

 

I am aware that you would like this matter concluded as quickly as possible, as would I, and with this in mind I can offer you the opportunity to settle this account for £328.00.

 

Should the account be settled an update will be provided to Equifax and the default subsequently shown as settled.

 

Warm regards

 

 

Compliance Manager

 

From: Me

Sent: 08 October 2010 07:50

To: Mackenzie Hall

Subject: Fwd: Website Complaint -

 

 

Hi,

 

 

 

Could you please give me an update today otherwise I have no option other than to take this further

 

 

 

 

 

Kind regards

 

 

 

Me

 

Sent from my iPhone

 

 

Begin forwarded message:

From:
Me

Date:
2 October 2010 15:39:05 GMT+01:00

To: Mackenzie

Subject:
Re: Website Complaint -

 

Hi ,

 

Where as appreciate your help on this matter you have had more than 28 days to respond with a satisfactory responce. You are now in breach of your duties under section 78 of the consumer act. If you do not provide the relevent information as requested in the original email or remove this debt from my credit file with 7 days I have no option other than to escalate this matter with the relevent authorities including the financial ombudsman, office of fair trading on the information commissioners office.

 

Regards

 

Me

 

Sent from my iPhone

 

On 13 Sep 2010, at 18:33, mackenziehall wrote:

 

 

 

Dear Ms xxxxxxx

Our clients have confirmed that the order is being processed and we are

hopeful it will be concluded shortly.

I am unsure as to why it appears as mail order on your credit file but I

shall raise this query with our credit reference contacts.

Regards

Compliance Manager

-----Original Message-----

From: Me

Sent: 06 September 2010 11:48

To: Mackenzie Hall

Subject: Re: Website Complaint -

Hi.... any update with this at all with either the copy of the email

or explanation of the reason why it's shows as mail order on my credit

file I am really keen to get this rectified as soon as possible as in

the mean time my credit record is holding me back from securing my

mortgage. I appreciate you are probably really busy with other acc

also but any info as to where we are at with it would be great

Kind Regards

Sent from my iPhone

On 1 Sep 2010, at 10:53,

Morning xxxxxx,

Unfortunately we have not received an update as yet.

I will ask our business support team to pursue this with Quick Quid.

In the

meantime your account remains on hold.

Regards

Mackenzie Hall

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WTF............

 

 

demand that the CRA remove this debt completely

they are reporting incorrect information.

 

threaten them with the ICO if they do not do so in 7days.

 

they cannot record this debt...it is inaccurate

 

alsoseekcompensation

 

abot £1000 per wrong entry

as for the debt itself

 

if Mucky are offering a discount, something is wrong.

 

dx

Edited by MARTIN3030

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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oh my...done that....so fingers crossed...thank you very much for your help.....it really is appreciated. I messed up so much last year when i was made redundant and really regret ignoring all my debts....I am gonna work really hard to try and clear up my credit file as much as i can. Unforutantly I doubt i will clear it completely as I have 3 defaults and 2 ccjs but I am going to try my best....I have a CCJ for a loan of £100. the CCJ is recorded as 261.00 to include 25 court charge (which i understand is acceptable) but the rest of the charges are missed payment and administrative charges....can i argue that this is incorrect at all????

Edited by MARTIN3030
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ccj for £100!

 

thats not right either..

 

you sure

 

dx

Edited by MARTIN3030

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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Share on other sites

These posts moved here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...

Thanks for your advise with this after lots of persistent emailing I have finally got the default removed ( no compensation though - but I'm happy enough) can't thank you enough just a couple of ccj to go now. Would u be able to advise the best way of getting a ccj set aside I dispute part charges and the default notice didn't give me 14 days to pay would this be good enough grounds to be set aside?

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