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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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MKDP & nationwide credit card debt Defective DN/TN?


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The latest update is as follows:_

 

I sent the letter kindly suggested by Vint to Carter and NW back in January. All went quiet for a while, Carter responded by saying he was taking instructions from his client.

 

I then got a letter from a "Senior Manager" saying they were investigating my complaint about the DN, so I had to correct them and say that I wasn't actually complaining about the DN but I had accepted the unlawful termination.

 

I've just had another letter from this guy saying that he has completed his investigation and that he realises that i may not have had time to take advice from a solicitor re the DN (the DN was defective as it didn't allow time for service) but he was disappointed that I hadn't made a payment or been in touch since and so it had been referred to a DCA (they have actually referred it to two at the same time, but that's another matter). He goes on to say that NW have been tolerant in this matter. I've no idea what is tolerant about failing to fulfill a s78 request, issuing a defective DN then unlawfully terminating the agreement, using two DCAs to try and collect at the same time etc...

 

My proposed reply is as follows:

 

I refer to your recent letter and our subsequent telephone conversation where you advised when this account was passed to a DCA. I would comment as follows:-

 

I note that your comment regarding the lack of time for me to take advice. However you have not dealt with the unlawful termination of contract by Nationwide due to a defective Default Notice nor the implications that follow this. Would you please address this matter and let me have your proposals for settlement.

 

I note that you instructed a DCA in X. As they act as your agents in this matter you are clearly responsibly for their conduct. Their initial contact was by a brightly coloured postcard which is against OFT Regulations in respect of Debt Collection. Following this there have been a variety of vague voicemails instructing me to call a person urgently on a designated telephone number and a few text messages containing various threats which I have not responded to. However I have retained them should either a complaint to the Regulator be necessary or should it be necessary to demonstrate their, and hence Nationwide’s, misconduct to a Court at any point in time.

 

I am sure you are aware that under OFT Guidelines only one debt collection agency should be assigned to collect an alleged debt at any one point in time. Bearing this in mind could you please explain why Fredrickson’s and then Bryan Carter have attempted to collect this alleged debt in the same period that AIC have been assigned to the matter. This is particularly important as I am lead to believe that Bryan Carter (Solicitors) came within 24 hours of issuing proceedings against me. This was a particularly stressful situation as I am sure you can imagine. For your information I have received further correspondence from Carter as recently as 25 March and a telephone call from the other DCA today, so it is clear that both are still acting and as a result Nationwide remains in breach of OFT Guidelines in respect of Debt Collection.

 

Your letter states that “as a result of no payments and no communication” the account was referred. I have 11 copy letters to DCA's in addition to the letters to Nationwide. I would respectfully suggest that this is not “no communication”. Perhaps you would care to comment further on your original statement.

 

You go on to state that “you believe that Nationwide has been more than tolerant”. Perhaps I should remind you that Nationwide has unlawfully terminated an account following its issuing of a defective Default Notice (a termination which I have accepted), it remains in default of a request for information under s78 Consumer Credit Act (whilst various information has been provided, the total information required has never been provided) although this has been superseded by the unlawful termination. Furthermore its agents have failed to respond to a written complaint and Nationwide has instructed more than one Debt Collection Agency to act on its behalf at the same time. In addition the Debt Collection Agencies have frequently breached OFT Guidelines.

 

It may well be that you were not properly appraised of this case before you responded, but with the above in mind do you still believe that Nationwide has been tolerant? In the circumstances I would invite you to withdraw this statement and to recall the matter from all Debt Collection Agencies currently assigned to collect this alleged debt whilst you carry out further investigations. Your response to this letter will directly influence whether or not a complaint is made to the OFT via Trading Standards and to the FOS.

 

I look forward to your response together with your proposal for settling this matter.

 

ys

sp

 

 

Has anyone got any suggestions as to my proposed letter?

 

Thanks again

SP

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You need to bang home the facts. As DB says, they have fallen foul of s87-88 therefor unlawfully rescinded on termination.

 

In all honesty, that is all you need to advise them.

 

You are bemussed to receive their continuing communications as the account no longer endures. The OC has unlawfully rescinded the agreement, the details of which are none of their concern. End of story.

 

You are still waiting for the OC to respond to your request for a true ballance of arrears at the time they unlawfully rescinded, against which you will be claiming for unlawful termination.

 

You have got to a stage now, UR, don't complicate it and get into diversive arguments.

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Thanks for the feedback Vint and Donkey.

 

I'm struggling to get the wording right around the s87-88 breach, would something along the following work?

 

I would remind you that the Default Notice Nationwide issued under s87(1) Consumer Credit Act 1974 was defective. It was not compliant with

s88(2) Consumer Credit Act 1974 as it did not allow sufficient time to remedy the alleged breach of the agreement. The Default Notice also terminated the agreement by demanding repayment in full rather than the amount of any genuine arrears. You will be aware that the failure of a default notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is a unlawful rescission of contract which would not only prevent the court enforcing any alleged debt, but gives rise to a counter claim for damages Kpohraror v Woolwich Building Society [1996] 4 All ER 119. In summary, the maximum liability I would have is the arrears at the date of termination of the account against which I can claim damages from Nationwide. May I therefore have your proposals for settlement?

 

 

 

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Sorry to try and put words into your mouth Vint - are you then suggesting something along the lines of...

 

Dear Sirs

 

I refer to your letter of X, certain of its contents are factually incorrect. However that matters little in so much as you failed to deal with the main point in my letter. That point is, that the default notice issued by NW was defective, the subsequent termination (which I have previously accepted) was unlawful under s87-88 CCA 1974. Therefore the most I owe NW is the amount of arrears (approx £500) as detailed in your letter. Against this I can make a claim for damages for the unlawful termination. May I therefore have your proposals for settlement

SP

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  • 3 months later...

Time for an update on this one, some advice as to how to reply would be appreciated too!

 

NW have replied and said that they don't believe the DN is defective (despite it not allowing time for service).

 

They have then said that due to my concerns they are issuing a new DN (despite me repeatedly accepting their unlawful termination previously) and that if i bring the account back up to date they will handle it in house.

 

The new DN has arrived and NW have (nearly) corrected the deficiency - they now put a remedy date of 21 days rather than a date 14 days from the date of the letter, so they have obviously realised there was a problem with the previous version.

 

I'm a little confused as to how to respond - the new DN I think actually strengthens my position in that the account was terminated in writing last year, although I feel I need to reject this DN in order that they can't suggest that the agreement endured and that I have accepted the new DN.

 

Any advice please?

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  • 1 year later...

Hi All

 

I had a credit card account with Nationwide which they issued a defective default notice on, I accepted their termination and asked for the amount of arrears at the date of termination.

They denied their initial default notice was defective (it was as they hadn't allowed time for service) and issued a second default notice.

I pointed out that this was pointless and that I had already accepted their termination of the account.

They said this was their final response.

 

I heard nothing until recently when I got a letter allegedly from Nationwide saying they had assigned the debt to MKDP LLP.

 

What's the best course of action now? Wait until MKDP contact me or should I pre-empt this and write to them? Also what the heck should I say?

 

Thanks in advance for any help!

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Forget unlawful rescission. Case law now says that they CANNOT terminate if the DN was faulty. So the account was still live. If they then issued a compliant DN and terminated, they are within their rights.

 

Were there any legitimate disputes on the account?

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Donkey - ironically their 2nd DN isn't correct either.

 

I also think the original Credit Agreement is defective as the required terms aren't within the "four corners"

 

Can they not terminate unlawfully even when they say they have terminated the account?

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Donkey - ironically their 2nd DN isn't correct either.

 

I also think the original Credit Agreement is defective as the required terms aren't within the "four corners"

 

Can they not terminate unlawfully even when they say they have terminated the account?

 

Technicaly the account connot be terminated on the back of a faulty DN - but they cannot enforce the agreement in Court with a faulty DN.

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Ok, can I please check my understanding here....

 

An account can no longer be terminated on the back of a defective default notice, even if the creditor says the account has been terminated. But they then can't go to court to have the account enforced - Is this similar in effect to the original credit account being missing prescribed terms (ie the account exists but the Court won't enforce it?)

 

Nationwide obviously realised they had big problems and an unenforceable account here as they went absolutely silent for around 18 months before unloading the account.

 

Am I also right in thinking that the dispute automatically transfers to the new "owner" of the account?

 

Has anyone got a sample response to send to a creditor in this situation please?

 

Thanks in advance again and sorry if I seem confused and rambling (that's cos I am!!)

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In Post #8 above dadofholly said...

 

"Technicaly the account connot be terminated on the back of a faulty DN - but they cannot enforce the agreement in Court with a faulty DN".

 

Is this not a little misleading since it appears the creditor can re-issue a faulty default notice as often as he wishes, in which circumstances, surely, the agreement would become - SOONER OR LATER , enforceable in court.

 

This being so, it's a dead end afore it even starts, surely?

 

Can this be cleared up please... it would be most useful.

 

Many thanks in advance

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Yes, that is correct. But why should it be any other way? I agree it’s a bit of a joke, but that’s the view the judges have taken, and that’s the way it will be until it’s challenged (and I still agree that some elements re termination need to be challenged – I think the current situation leaves out some very clear statute, or rather disregards it).

 

The alternative is that favoured by the debt evader – using technicalities to get out of what you possibly do owe. Obviously personal circumstances and the ethics of the banks play a part, and they often ignore genuine disputes, but why should a faulty DN mean the debt is wiped out?

 

People often confuse the type of ‘protection’ afforded to consumers by the CCA. It’s there so that creditors don’t ride roughshod over you, ie. you must have a PROPER opportunity to deal with the situation that does not prejudice you – not as a means to avoid paying!

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