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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!
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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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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I have a Dmp with payplan that is going ok, and have posted here before but am not sure about my next steps. I am ok with the repayments, but the default notices are causing my wife problems and will be hanging over me for some time.

 

So what i would like to do is find out whether the debts are enforceable, and if not, am i right in thinking that i can get the default notices removed?

 

Problem is, in some ways i don't want to rock the boat as none of my creditors are giving me a hard time at the moment.

 

I've read some of the threads on here, but can anyone give me some direct advice on the best way to proceed?

 

My total debt is around £50k across 5 accounts... All old credit cards and an egg loan.

 

Thanks

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I would send them all a CCA request each. It will cost you £1 for each one, and the template for the letter is on this site. If they can't comply, the debt is unenforceable, but it doesn't go away. It just meant that hey can't enforce it in court.

 

If any of them can't comply, you can with hold payment to them until they do, and this should give you time to plan your next course of action without the stress of constant harassment.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Technically, the argument that you can withold payment would not stand up in a court of law, but the DCA's haven't cottoned on to that yet.

 

CCA request is definitely the way to start, once they come back, post up again and we can either look at agreements for you, or point you towards the prescribed terms that must, by law, be within the agreement.

Horses and I are one!

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however

that wont get the defaults removed.

 

if these 'were' your debts, then there is very very little hope of getting any

correctly reported record of how you managed the accounts removed

 

only poss would be a f&f with a condition of data removal attached if they accept.

 

sorry

 

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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Alternatively, have a look at the date on which the accounts were first defaulted, then see how long it took them to apply the actual default and ensure that any DN is valid. These arguments can be quite powerful when used with the new legislation re defaults in getting them removed.

Horses and I are one!

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By all means pursue the CCA route,it will not however get any of the DNs removed or very unlikely.Should any OCs or DCAs be unable to produce an original agreement with the prescribed terms and do not produce a Reconstituted Agreement,then you are in a position to challenge the account.The CCA route does not hold the advantages that it did 2/3 years ago,and the lack of an agreement or Recon Agreement can be challenged,read the "PriorityOne" thread on the subject,its a good thread and there is a template letter as well.

 

I think your priority is to go for 0% interest from all of your creditors if you are not there already.Also reclaim of charges if Credit Card debts or Loans and PPI if applicable.

 

A DMP is a pain but the best way forward,,I wish you all the best.

 

Regards FS

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I disagree firstship. A CCA request is still a very powerful tool. It is not as powerful as it was pre April 07, but it still carries a lot of weight, and prohibits the creditor enforcing through the courts in its absence. To a large extent, this places the ball firmly in the debtors court. I have used this, backed with a CFS time and time again with huge success for my clients.

Horses and I are one!

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Amy100,it is interesting that you consider CCA 1974 s77/78/79 in conjunction with a CFS, currently, a powerful tool.You, I guess hold a CFS licence?

 

I am really interested in your comments and how the lack of the original agreement and CFS work to the debtors advantage,as I have a number of debts and they are also under a DMP.

2 of the debts the OC is currently unable to supply the original agreement,do you suggest I stop payment?

 

Would you be good enough to reply by PM as I do not wish to High-jack this thread

 

Regards FS

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Amy,Thanks for your reply I have already got threads running for each creditor/dca ,in some cases started 3 years ago and still active, and over the years have obtained a reasonable knowledge of how the system works,it is your comment regarding CCA and CFS that has me interested,and how you find success,

 

thanks FS

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Hi FS,

 

Sorry, as you can see I'm fairly new to this site. If you either post or pm me links to the threads where the OC hasn't been able to supply a valid CCA agreement, I'll willingly take a look at them. I assume if I read them start to finish I'll get a pretty comprehensive picture - if not, perhaps you could jot down main points as well please.

 

In short though, an inability to fulfil a CCA request does not mean there is no agreement - it's surprising how often they resurface later. Legally, this alone is not sufficient cause to place an account in default, though thankfully the DCA's have yet to twig on to this. It is though a perfectly good reason to make a token payment until they can comply with your request.

 

It is impossible to comment on individual cases without all the details, but broadly speaking, if the CFS is showing hardship, then the lack of a CCA can be enough to get payments reduced to a token, hopefully your DMP provider will have got interest frozen and charges stopped as a matter of course, a CPUTR request can help if they've sent a reconstituted agreement. If the CFS shows it is unlikely that the debt is going to be repaid within a reasonable timescale, I have been fairly successful in getting them written off entirely on the grounds of current unenforceability on their part and a lack of ability to pay which is unlikely to change on my clients' part.

 

As I say it is impossible to give detailed advice without knowing all details of your own particular circumstances, but a DMP will not get a default removed either. What a lot of DMP providers don't do is see if they can get the debt written off and marked as settled on a CRF for their client. Often this is possible.

Horses and I are one!

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Amy Hi please read my thread "Firstship v Halifax",rather a long thread but the nuts and bolts CCAd Halifax 3 years ago,put them in dispute 2 weeks after no reply, 8 months after SAR they confirmed they did not have an agreement,have not paid any money since November 2008,they have bounced the debt around numerous DCAs and sold it recently to 1st credit,who I have told the account was sold whilst in dispute,and asked them to provide an agreement to which we know the answer,1st Credit have stated they will contact Halifax,not heard anything back sice

 

Regards FS

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Amy Hi please read my thread "Firstship v Halifax",rather a long thread but the nuts and bolts CCAd Halifax 3 years ago,put them in dispute 2 weeks after no reply, 8 months after SAR they confirmed they did not have an agreement,have not paid any money since November 2008,they have bounced the debt around numerous DCAs and sold it recently to 1st credit,who I have told the account was sold whilst in dispute,and asked them to provide an agreement to which we know the answer,1st Credit have stated they will contact Halifax,not heard anything back sice

 

Regards FS

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Hi FS,

I'll have a read of that thread tomorrow and hopefully put a comment on it for you.

 

Re your above comment, contrary to popular belief it is not illegal to sell an account while in dispute. The OFT frown on it as not being good practice, but admit there is little they can do about it if it is sold (typical!!!!) Make sure you always refer to your debt or account as an alleged account which you do not acknowledge and they have not been able to prove. Every time you hint that you have the debt they will argue you have set the 6 year SB clock ticking all over again.

 

Sorry not to get to that thread tonight, but too tired to plough through a big post - if I forget, pm me and I'll go straight there tomorrow.

Horses and I are one!

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Amy is right. The CFS is a very powerful tool when used correctly. The problem is that bigger organisations have such a huge workload to get through, it is not always possible for them to give the personal touch a smaller organisation may be able to offer.

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ok. CCA's first seems a sensible step. A template was mentioned in one of the posts... am I being stupid because I can't find a link? Can someone point me in the right direction?My only concern is that in some ways I don't want to rock the boat. Like I said, the DMP is going ok, it's just the associated 'bad press' which is painful. Is there a risk that by going down the CCA route that the creditors will react badly assuming I am going to try and wriggle out of ANY debt on a technicality? (I guess I just want to lose the stigma of the defaults on my credit file)

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in the library green tab top left?

 

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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Everything has an element of risk, and in a DMP either side can change their mind at any time anyway, and it is not uncommon for the creditor to do so. However, my view would be that you have every right to ask for what you are asking for. If they do start playing up, then if any IE would back up what you are paying currently, you just continue paying what you are. What can they do?

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  • 1 month later...

Ok, its been a little while. Here's an update. If anyone has any thoughts on what I do next, please post - any advice gratefully received!

 

CCA's sent 1/11/11 - all were signed for on 2/11/11 and its now 18/11/11 and none of the creditors have actually sent a signed agreement;

 

Apex - Egg Loan. £16,887. They wrote on 3/11/11 to acknowledge my letter and they confirmed that request is being processed and account is on hold pending fulfillment. I haven't heard anything since.

 

M&S - M&S Card. £5376. No response.

 

Egg Prudential - Egg Card. £9724. Account now with Barclaycard. Letter received from Barclaycard dated 16/11/11 saying they are dealing with my request and will reply as soon as possible.

 

HBOS - Marbles Card. £7483. Have sent me a copy of my 'current executed agreement' and they have requested a copy of the original signed application form. This is confusing - Surely an 'executed agreement' has to be signed by me? I'm not sure I have ever seen this 8 page document before. No sign yet of the original signed application form.

 

Equidebt - MBNA Card. £9672. They wrote to me on 7/11 saying they have requested a copy of the credit agreement and will respond in due course. No further response to date.

 

Any recommendations for my next steps?

What should I do if they can't send me copies of the agreements?

What are the prescribed terms I looking for to verify the legality of these agreements when/if I received them?

What are the implications for the creditors if the agreements are flawed?

 

nb: I'm not looking to have these accounts totally written off on a technicality (I did borrow the money after all!) but I would like to see if there is any way I can negotiate a sensible settlement - and get rid of the default notices that will be hanging over me for the next few years at least. So I need to understand what my legal position is - Obviously I am in a much stronger position if any of these accounts are not enforeceable.

 

Thanks in advance for any advice!

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  • 3 weeks later...

as in post 4

other than reclaiming fees/ppi

 

there is no magic bullet anymore

 

 

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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Share on other sites

Thanks DX - not looking for a magic bullet as such, just something to reduce the impact.

None of my creditors have produced anything with my signature on, only 2 have actually replied, so I think I may be able to argue that all the agreements are unenforceable.

Obviously the debts, at least in part, still exist, but if my understanding is correct, they will struggle to force me to repay if I choose to be difficult.I am thinking of going to them with a proposal along the lines of:

1. The agreements do not contain the prescribed terms and as such are at best unenforceable, and possibly illegitimate.

2. I believe I can dispute the legitimacy of the agreements and therefore the validity of any default notice relating to the agreements.

3. However, I am happy to continue payments under my DMP for the next (say) 10 years, and can sign an agreement to that effect but only on the condition that they remove the default notices.

What do you think? I'm trying to get a win-win. This way they get some (or all) of the cash eventually, despite their inadequate documentation, and I get a clean record. Do you think they'll go for it? Any pitfalls?

Edited by Flashgdn
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