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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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When a Default can be applied.


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Hi, I recently have been chased by an old debt that I have disputed from the start, I now believe the debt to be time barred making last payment sometime before November 2005.

 

Original help: http://www.consumeractiongroup.co.uk/forum/showthread.php?276006-Hutchison-3G-Debt-and-Default&p=3766015#post3766015

 

I signed up on credit Expert and found the only bad thing left on my account was this Debt. Apparently time barred or not the debt will stay on my credit file for 6 years.

 

The issue lies here...

 

Last Payment: Before Nov 2005

Default Date: 19/01/2007

 

 

I phoned credit expert they told me a default can be applied after 8 consecutive non payments. Lets say last payment was in October, possibly before then, I don't have the exact date, that would mean they defaulted me 15 months after last payment.

 

Can they do this? I want to try get it removed from my credit file.

 

Credit expert just told me to query with them.

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All companies have different systems for when the place

defaults, the guidance is that the default should be place

no more than 6 months after the cause of action (missed payments).

The above is only guidance the only way forward is to contact the

creditor that placed the default and ask for it to be corrected to an

earlier date.

As it satnds at present there is no reason to remoce it.

Was this a debt sold on to a debt collection agency?

Who is the creditor that placed the default/

It may be necessary to make a subject access request

to the original creditor to check the reason for the ''late''

default.

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All companies have different systems for when the place

defaults, the guidance is that the default should be place

no more than 6 months after the cause of action (missed payments).

 

Guidance by who... the office of fair trading? any idea where I can find a quote of that?

 

Was this a debt sold on to a debt collection agency?

Who is the creditor that placed the default/

 

yes its been sold onto several over the years.

 

Haven't a clue who placed it... I had assumed Hutchison 3g.

 

Who would I send the subject access request too?

Edited by DawseyY2K
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They will be well aware of the guidance but the problem is it is just guidance.

 

The SAR should be sent to the original creditor.

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The OFT doesn't investigate individual complaints

from the public all ''complaints'' are logged and

the considered when the company has to renew

their CCL or there is sufficient information for

them to revoke the licence.

Exhaust the formal complaints procedure before

any further action.

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So the only thing I could say is that

 

The OFT/ICO states that defaults can be issued no more than 6 months after the cause of action. Your default was issued 15 months after cause of action. Could you please amend the default date to a fairer time period as this is effecting my ability to get credit in my adult life. ?

 

perhaps reference the above document. I wonder if I should contact the original creditor or the person its been currently sold onto?

Edited by DawseyY2K
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To comply with the ICO they must process the correct data. Registering a default 15 months later is not a true reflection of the the information, it should be marked one month after the cause of action but not later than six months given the ICO guidelines. A complaint to the ICO may be in order if the creditor doesn't amend the default date.

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To comply with the ICO they must process the correct data. Registering a default 15 months later is not a true reflection of the the information, it should be marked one month after the cause of action but not later than six months given the ICO guidelines. A complaint to the ICO may be in order if the creditor doesn't amend the default date.

 

brilliant thanks, so I need to contact 3 directly for that one right?

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AS to the point on SB it is certainly out of time IMO they are atempting to

uses the default date as a basis for their claim that bthe debt is not SB.

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reposting... my last post seems to have disappeared???

 

Got a reply

 

Dear Mr,

 

 

Thank you for your recent email regarding your account with our client Lowell Group.

 

Further to your email, please be advised that this debt does not qualify as statute barred. Please find details of your account below.

 

The outstanding balance of £xxx relates to an account with Three Mobile. The mobile number linked to this service is 77777777. This account was opened on 01/12/2004. A last payment of £yyy was made on the account on 26/08/2005. The account defaulted on 19/01/2007 with an air time debt of £zzzz.

 

The account was placed with Advantis for collection on 02/03/2012.

 

We politely request that you contact us within 14 days in order to arrange repayment. Please note, if we do not hear from you within this time period your account will be automatically returned to our collections process.

 

If you have any questions or queries regarding your account please do not hesitate to contact us on 0844 55 65 440.

 

 

Kind regards,

 

Ok I got a reply... i guess this is some sort of automated response with a few of my details slung in... interesting they said last payment was 26/08/2005, thats months before my guess. Great news.

 

So what should my response say?

 

My first letter was

 

Dear Sir/Madam

 

Advantis Reference:

Client Reference:

 

Your company has contacted me in respect of the above account which you claim is owed by myself.

It is my understanding that under the Limitation Act 1980 Section 5

 

"an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

 

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that

 

"it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

 

The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that

 

"continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

 

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

 

I look forward to your reply.

Yours faithfully

 

Its like they have totally ignored my letter.

 

I also need to let them know, as they have pointed out my exact date of last payment they have illustrated the fact the default was applied to my account practically a year and half (17 months) after last cause of action. This is not a true reflection of the the information and the Information commissioners office stipulates a default should be marked one month after the cause of action but not later than six months.

 

not quite sure how to word it though.

 

Should I resend the letter and add something about the default date?

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Dawsey I unapproved your post as all your person details and account numbers were showing

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Well the debt is stat barred imo last payment 26/08/2005.,

they are right that the default will stay until next year, but

is is oen to challenge I think regarding the length of time

berfore registering the defult'

Send this letter by recorded delivery to the Compliance Manager,

 

The Compliance Manager

xxxxxxxx

xxxxxxxx

 

Ref: xxxxxxxx

 

Dear sir or madam,

 

I write in regard to the debt that you allege is owed by me,

please take note I do not acknowledge any edbt to you or any

company you claim to represent

 

I have from advice received and person research determined that

this debt is statute barred, given the information that the LAST payment

is stated to have been made 26/08/2005 the debt is sttatue barred and

I will not be making any payment of offer of payment now or in the future.

I am sure you are aware that a late placed default, sale or assignment of

a debt DOES NOT START A NEW YEAR PERIOD.

 

I believe that this situation has been a deliberate tactic to attempt to deceive

me on the status of the alleged debt, therefore I am reporting the matter to

the OFT and ICO immediately.

 

You are doubt aware of the OFT Guidance on Debt Collection 2003/2011,

and in particular the sections on statute barred debt and you will now cease

to process all data relating to me with immediate effect.

 

Try that.

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I've also sent the following letter too [email protected]

 

Dear sir or madam,

 

I write in regard to the debt/default that you allege is owed by me, please take note I do not acknowledge any debt to you.

 

Debt Allegedly owed is for £501.54. The mobile number linked to this service is *********. This account was opened on 01/12/2004. A last payment of £167.43 was made on the account on 26/08/2005. The account defaulted on 19/01/2007.

 

Credit collection Agency's are contacting me on your behalf and continue to harass me for a debt that is legally time barred. Last cause of action being dated 26/08/2005.

 

In addition to this, you have defaulted my account practically year and half (17 months) after last cause of action. (26/08/2005 - 19/01/2007)

 

To comply with the Information Comissioners Office you must process the correct data. Registering a default 17 months after last cause of action is not a true reflection of the the information, it should be marked one month after the cause of action but not later than six months stipulated by the ICO.

 

I would like the date of default to be amended and would like to know your complaints procedures. Failure to amend the default date will escalate the complaint to the ICO.

 

Kind Regards

 

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can anyone tell me if section 40 of the administration of justice act has been repealled

 

I think not.

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oh didnt think so iv had a letter from a dca saying that this section of the act has been repealled.i sent them a sb letter and that was part of their reply

 

I presume you mean the OFT guidance that to continue to pursue

an SB debt may amount to harassment, personal I never have used

in SB letters as it is only guidance for all that's said.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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