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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.
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Halifax/Bank of Scotland mortgage problems


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Hi,

I was wondering if someone could advise me as to whether I have a case here:

 

A year and a half ago I took out a mortgage on my current property with Bank of Scotland. At the time I tied myself into a 5 year fixed term which left me liable to an early repayment fee should I leave the mortgage within the first 5 years.

At the start of this year I saw a flat I was interested in buying and walked into my local Bank of Scotland branch. At that time I was informed that if I decided to take out my new mortgage with them then there would be no early repayment fee. They thereafter provided me with a personalised illustration, however they used the Halifax mortgage company for this. I was informed by the mortgage advisor within the branch that this would not affect my early repayment fee.

I thereafter proceeded to put an offer in on the flat which was accepted, I also managed to quickly sell my own flat. This was at the start of Feb. My move in and salke dates were both mid April. On 12th Feb I again went into the Bank of Scotland and officially applied for my new mortgage with them. Again it was all done via the Halifax and again I was promised that I would not have to pay the early repayment fee with the Bank of Scotland.

On 12th March I received a letter from the Bank of Scotland laying out the repayment terms for my current mortgage and lo and behold they wanted £3,039.20 early repayment fee.

I decided to email the mortgage advisor from the Bank of Scotland who was arranging my current mortgage and ask her re this, I receieved this reply from he on March 13th

 

"Dealing with this at present, there seems to be a bit of confusion within the systems as your mortgage presently is on the halifax system although your present rate isn't coming up. This is being sorted and I hope to get back to you tomorrow.

 

Sorry for the delay, I will get this sorted tomorrow hopefully and get back to you asap.

 

Speak to you soon"

 

After hearing nothing from her over the next week I again decided to email to enquire about the delay. On March 21st I received this

 

"Tried calling you at home - thought it better to e-mail you rather than leave a long-winded message.

 

I have been frantically going back and forth to every dept almost to get to the bottom of this. As I said the confusion comes as your mortgage is keyed on the Halifax system but is actually a Bank of Scotland mortgage and wouldn't allow me access to anything surrounding your present fixed rate product. Finally got the answer two minutes ago :-

 

Unfortunately your mortgage has to be rekeyed on to the Bank of Scotland system and this can only be done by that dept. To save you paying the £3k penalty they will have to port your existing fixed rate over for the £75980 with the rest going on to another fixed rate (best available). I personally want to keep your inconvenience down to an absolute minimum and have asked them if I could give them most of your info to be keyed on prior to speaking to you. They can then phone you to complete the rest of the application - as you know to comply with the FSA they have to cover certain things.

 

Can you please give me a best time for them to call you and I will e-mail them with the details. My apologies for this inconvenience to you both and will do my very best to have as much as possible in place prior to their call. "

 

I then waited another 3 days before a member of Bank of Scotland telephoned to arrange my mortgage through them. At that time I was informed that the application would take between 4 and 6 weeks to complete. Bearing in mind that my purchase and sale date was three weeks away at this time I was getting frantic. They promised me that they would prrocess it ASAP. I thereafter provided them with my details to proceed with the mortgage, however I was then informed that they could not provide me with a mortgage based on my current financial position :confused: .

Due to the time restrictions on me I have been left with no option other than to go back to the mortgage advisor and ask her to proceed with my original application which leaves me facing a £3k bill.

 

Sorry for the long winded story. I was just wondering if anyone could advise me as to whether I have a case to fight here?

 

Thanks,

 

Stephen

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