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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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Mrs.SS v Cap One - reclaim of Credit Card Charges


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Starting new thread for my girlfriends case v. Crap One

 

After several exchanges of correspondence, she issued a LBA for £560 charges plus £1485 contractual interest - were offered £317 take or leave it, so court papers have been served. Needless to say they are adamant that all the charges before 2005 are now statute barred as they always seem to do.

 

Interest calculations were done using the contractual APR of 22.9% and the calculator here :

 

http://www.egalegal.com/compoundWindow.html

 

Balance o/s on card is just under £1000, will update thread as and when things happen.

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Have just received from Cap One a copy of their defence, and a slightly revised offer of £419.76 & £85 court fee. In the interests of keeping CAG users up to speed on Cap One, I am showing below all the docs, minus personal details.

 

http://i816.photobucket.com/albums/zz90/Still_surviving/Cap%20One/CapOneOffer310111.jpg

http://i816.photobucket.com/albums/zz90/Still_surviving/Cap%20One/CapOneDefence1.jpg

http://i816.photobucket.com/albums/zz90/Still_surviving/Cap%20One/CapOneDefence2.jpg

http://i816.photobucket.com/albums/zz90/Still_surviving/Cap%20One/CapOneDefence3.jpg

http://i816.photobucket.com/albums/zz90/Still_surviving/Cap%20One/CapOneDefence4.jpg

 

 

Once you cut through all the bumf, it seems their defence boils down to the same usual points weve seen mentioned before:

 

1. The charges are in our terms and conditions so must be legal.

2. They are based on what it costs us (oh really....)

3. Anything over six years old, you can whistle for.

4. We have no comprehension of restitutionary interest, but you can have some purchase interest back.

 

Am going to read and digest this some more over the weekend, but would welcome other opinions etc

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Are you going to go the whiole hog with them, they are sqirming, probably pay up last minute if you have claimed actual interest charges + 8% allowed by a court???

Edited by Old Cogger
:mad2::-x:jaw::sad:
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Yes - will definitely push them all the way into court if necessary, as Im sure of the arguments. However, Im also minded to review any further offers from them if it results in a prompt settlement thats not too far off the court claim figure.

 

Around 2/3 of the claim rests on the older charges plus interest. They will not be getting away with any statute barred argument.

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Yes review right up to the day before as they will probably court you until then & then only give you what you ask for. so keep an eye out on their tactics!! I would suggest they had your monies so they can repay with interest.

:mad2::-x:jaw::sad:
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Hi SS,

 

Good luck on this one.

 

8-)

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will watch this one with interest. This lot charged me fees that - with interest - amount to 2.5 times what is owed. The account has since been flogged to Capquest who have become threatening, so the reply was "ok take me to court and i will counterclaim for the 2.5 times that you are claiming for".

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sfu

 

Hi mate - not seen you since my M&S affairs went quiet :)

 

Funnily enough it was Capquest getting verbally obnoxious on the phone to my g/f that tipped her over the edge into issuing proceedings. Horrible pieces of work seem to get employment there.

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Received a copy of the defence from Cap1 via the courts today, together with the AQ which needs to be in by the 26th April - so will look for some help before then :)

 

Was reviewing the papers we received last week, and was struck by this paragraph from their letter

 

"If however you decide to pursue the claim further, please provide us with details about elements you consider to be outstanding and a full explanation as to why you believe that you are entitled to the remedy sought."

 

On the face of it, we are happy to tell them yet again, that they have not repaid charges over six years old, or paid full restitutionary interest, but should we be giving full details of the case law we will be relying on at this stage? I realise it will probably make no difference, but I was wondering if it would amount to showing our hand too early.

 

Its very crafty the way they repay a small amount of money back to the card at the last minute, then immediately include that in their defence as if to say, look at us we are being so reasonable....

 

Would welcome thoughts.

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Isnt all that going to appear in your defence anyway? Wont they have seen it all before? But as you say, never give a sucker an even break. I suspect this is a game of bluff - they want to see how much less you will settle for, and how far you will push it. Good results from their pov are where people dont push it as far as court, and if they do settle for less before the hearing. If they only have to pay out the full amount as a result of it going into court then over all (ie taking all the claims they would have to face) its a win.

And yes it is crafty - but they are - very

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Hi SS,

 

"If however you decide to pursue the claim further, please provide us with details about elements you consider to be outstanding and a full explanation as to why you believe that you are entitled to the remedy sought."
I think it's a bit late for that. You've commenced proceedings already, so they'll see all they need as your case progresses.

 

I rather think this is a blanket response for cases which haven't progressed to court. It needs no response at all.

 

8-)

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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btm

 

£85 issue fee plus £40 AQ Fee = £125. However these charges will have to be added to any settlement figure thats offered in the end.

 

Balance on the card was around £1000 to start with, but with the refund theyve made without permission, its less than half that now. The greater part of the claim relates to charges over six years old, so thats a point we will not be letting go of.

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  • 1 month later...

Hello There

 

Any news? Is it all wrapped up?

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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The wheels of justice seem to be grinding excruciatingly slowly (probably not helped by all the bank holidays)

 

Have just been informed by the Regional Business Centre, that Cap One did submit an AQ on time (yeah right - i bet they were allowed to be late), and the case has now been passed back to my local court for a judge to issue directions.

 

Considering the AQ deadline was 26.04.11 and Ive only just heard, I despair as to how long this is going to take to resolve fully if we head to court.

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  • 2 weeks later...
The wheels of justice seem to be grinding excruciatingly slowly (probably not helped by all the bank holidays)

 

Have just been informed by the Regional Business Centre, that Cap One did submit an AQ on time (yeah right - i bet they were allowed to be late), and the case has now been passed back to my local court for a judge to issue directions.

 

Considering the AQ deadline was 26.04.11 and Ive only just heard, I despair as to how long this is going to take to resolve fully if we head to court.

 

Hey SS I am checking in on you, have capital one paid up yet? Any news or update of recent?

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