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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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MBNA Charges - refused


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Sorry Ford, I completely absorbed everything wrong lol. I assumed I would need to give them time to do something - I think I had it in my mind that this would eventually go to court before it was finished so thought this was just the next step

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Have a read around ...executing a judgment....then you can decide whats best.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I sent a letter to MBNA along with a copy of the General Form of Judgment or Order asking them to forward payment immediately. I didn't send this registered as I'm not around when the post office is open, so I'm not surprised I haven't heard anything. (I will be re-sending recorded on Sat)

 

However, I need further advice please. Firstly, does anybody have an email address for MBNA Legal Department please? I have had a look but cant find one anywhere.

 

On MCOL claim history it says that my judgment has been issued - but says below Judgments entered against this claim None? Is this right?

 

Lastly how long do I have to wait before I can inform the court they haven't paid/responded?

 

Many thanks

Up2

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Judgment is forthwith so you can enforce immediately.

 

You don't write a letter to the Court, they won't care.

 

You need to pick your method of enforcement (bailiffs, charging order, bankruptcy, third party debt order etc) and complete the relevant forms and pay the appropriate fee.

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Judgment is forthwith so you can enforce immediately. Thanks Gany,I keep thinking I have to give them time. Andy has told me this before :oops: For some reason my head wasn't taking it in

 

You need to pick your method of enforcement (bailiffs, charging order, bankruptcy, third party debt order etc) and complete the relevant forms and pay the appropriate fee.

 

 

 

 

See post #127
I have had a look into this, am I right in thinking I cant use the High Court Enforcement Officer due to the nature of the claim and the Consumer Credit Act? If this is the case, I think a Warrant of Execution is the best way but as always any advice is welcome

 

Many thanks (and sorry for being thick)

Up2

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maybe CPR 40.11 applies? ie 'A party must comply with a judgment or order for the payment of an amount of money (including costs) within 14 days of the date of the judgment or order, unless –

(a) the judgment or order specifies a different date for compliance (including specifying payment by instalments);

(b) any of these Rules specifies a different date for compliance; or

© the court has stayed the proceedings or judgment...

.......

justice.gov.uk

 

you've asked for payment? if they don't pay up, consider enforcement of the judgment?

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Thanks Ford, and thanks Andy for replying to my pm.

 

I have been back onto MCOL to try and request a Warrant but although it shows this as an available option there is no link to click to access this? As the judgment was only issued 12 days ago is it possible that I won't be able to access this for another couple of days (due to the CPR Ford mentions?) Or should it be accessible now? In which case I'll call the court tomorrow for advice.

 

If anyone knows that'd be great

Many thanks

Up2

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maybe CPR 40.11 applies? ie 'A party must comply with a judgment or order for the payment of an amount of money (including costs) within 14 days of the date of the judgment or order, unless –

(a) the judgment or order specifies a different date for compliance (including specifying payment by instalments);

(b) any of these Rules specifies a different date for compliance; or

© the court has stayed the proceedings or judgment...

.......

justice.gov.uk

 

you've asked for payment? if they don't pay up, consider enforcement of the judgment?

 

 

 

The Order states "forthwith" so the above doesn't apply.

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The Order states "forthwith" so the above doesn't apply.

 

ok, cheers. so the 14 days doesn't apply due to the 'unless' ie the 'forthwith'?

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Thanks Gany,

 

So the option to request a warrant should be available to use on MCOL?

 

Up2

 

It should enable..try again this week.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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It should enable..try again this week.

 

I've tried again to request a warrant via MCOL and the link still isn't enabled so I have printed off form N323 and filled it in.

 

If I emailed this to the MCOL email address I sent the judgment request to would they simply call me to request a card payment or would they reject it? Or is mailing it with a postal order my only option?

 

I am going to call the court tomorrow to see if the request warrant link can be activated, but was just wondering about my options.

 

Many thanks

Up2

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Sorry me again!

 

Just had a thought. I have put MBNAs legal department address (Chester business Park, CH4 9FB) in section 3 of the warrant request - should this be MBNAs registered address which is Stansfield House, Chester Business Park, Chester CH4 9QQ. Clearly the same area but different post codes so possibly different buildings?

 

Cheers

Up2

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I would check with the Court first up2 its far more simplified if you can get them to do it and they will confirm the address.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thanks Andy,

 

I called the court and she said there's no facility to request the warrant online and that it needs to be transferred to MBNAs local court( which she did there and then) and advised that I should send the form and fee there.

 

I hung up and did a bit of digging around and on the MOJs EX322 it said I should send it back to the court that issued the judgment and they send it - so I called them back and they explained that because it had gotten to DQ stage and their defence was struck out it couldn't be requested online and I have to send it by post, so I will be sending it to Wrexham CC, which is where they said was MBNAs local court.

 

I don't doubt what the court has advised, but was just wondering your thoughts please.

 

Many thanks

Up2

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Thanks Andy,

 

.......because it had gotten to DQ stage and their defence was struck out it couldn't be requested online .....

 

Many thanks

Up2

 

that seems correct, as a warrant for exe can only be available online (re a claim started mcol) where there has been judgment in default or re an admission (CPR pract direction 7e para 11.1, 11.2. see also to 12.2 inclusive re transfer. etc.)

if court has now formally transferred the matter to wrexham, then send it there?

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I have just got home and started to fill in the N323 again and I've realised I forgot to ask the court about what MBNA address to put on there (the registered address or the one I've been using for their legal department or something else)

 

If anyone knows I'd appreciate it.

 

Many thanks

Up2

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according to the info ex322, is the address you want the bailiffs to visit which can be different to the claim form address? but suppose maybe their head/registered office?

interesting, warrant of exe re a bank! nice one :)

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Yeh, I was expecting that too, that's why I need to make sure I am doing everything right so that they can't cut me dead for silly mistakes. I can't help but think they're just waiting for me to mess up and render everything invalid.

 

Maybe they thought I wouldn't take it this far as I have heard many people start these claims then give up at various points along the way. Not me, they put me through years of distress and mental torture, and I am determined to see this through to the bitter (sweet) end

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