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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!
    • 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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MBNA/Varde Investments Limited/HL Legal


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I am posting on behalf of a friend who suffers severe depression and cannot cope with this issue. I am very behind on things and can't remember the best course of action so would be grateful for advice.

 

Friend has a CCJ form from MBNA/Varde/H L Legal at Northampton. The date of issue was 30th November 2012 - my friend was a little in denial so only spoke to me last night. We believe that this MBNA credit card should be subject to a PPI claim - again my friend has not got onto this - and I remember the rubbish advice I got from CAB, not CAG, when I got a CCJ and spent years fighting to get it removed even though it was paid!

 

So, can you please advise me how my friend must now proceed and how long do they have to reply?

 

I have some but not all paperwork here and have no idea if they got a notice of assignment from MBNA.

 

Sorry this is scrappy but all positive advice greatfully received.

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Hi Vamp

 

Your friend has 33 days in total (5 deemed served so 28 ( 14 to Acknowledge Service ) and if defending a further 14 to submit any defence.You now have to register to use the MCOL service then use of the username and password on the N1 allow it all to be completed on MCOL.

 

Perhaps type up the Statement of claim verbatim (less any identifiable data) and a rough figure of what is being claimed.

 

Regards

 

Andy

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My friend is actually going off his head with worry over the CCJ but has some mental issues. He cannot cope with even trying to get the paperwork together. He must answer a credit card CCJ before Friday. Does he acknowledge it but deny the debt or what should he do? Just having dinner so will post extra stuff later if needed.

 

 

Thank you in advance.

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How old is this debt ?

 

When did he last make a payment or admit to owing the debt in writing ?

 

When did he take out the card ?

 

Who has issued the court claim ? Card company or debt collection agency ?

 

Has he ever sent a request for a copy of the CCA, which has not been fulfilled ?

 

Depends on the answers to these questions. If the debt is recent and is due, then he can still acknowledge and defend if there are any issues e.g PPI or charges. If the debt is recent and there are no issues, then he can I believe acknowledge and ask for a hearing to consider payment by affordable payments.

We could do with some help from you.

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Not sure how old the debt is but he has had the card for many years.

 

No idea when he last made a payment. I think he was in trouble with it in 2011 maybe longer.

 

The CCJ has been issued by Varde Investments via Experto Credit and HL Legal.

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Sorry had to check.

 

No CCA requested but there is PPI to claim back.

 

I am sorry I cannot be more accurate as he is sending me copious texts which make very little sense. I have asked if he has a letter of assignment from MBNA but he says he doesn't know. Unfortunately he is a clinical hoarder and he ignores weeks of post.

 

If I can buy him some time then we can deal with this without the panic of Christmas.

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I am sorry I keep posting but need some serious help here.

 

My friend needs to Acknowledge Service and I have phoned the court and the scanned form can be emailed in so it will get there for Friday.

 

The Defence needs to be logged by 2nd Jan. I do not have the time for my Christmas to be taken up with this so really want some help please.

 

The credit card I think is quite old and should be subject to a CCA request. There will also be huge amounts of PPI to reclaim.

 

If after we have entered the AoS, can we send a special delivery CCA request to HL Legal so that the defence we can enter before 2nd Jan is that the account is in dispute?

 

Can we also start PPI proceedings by sending a special delivery letter to MBNA?

 

I may have won loads at CCA level but I am honestly out of my depth here so need advice. My friend can't cope with this alone.

Many thanks.

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Thanks Freaky.

 

Cant post a scanned copy at the mo but particulars of claim are:

 

"Monies due under a regulated Cradit Agreement number xxxxxxxx

between MBNA Europe Bank Ltd and the Defendant the benefits of which was assigned to the Claiment.

The Agreement terminated with the Defendant(s) failure to comply with the terms of the Agreement and/or

the statutory Notice of Default served by MBNA Europe Bank Ltd.

The Claiment seeks the sum of xxxxxxx

 

 

Any payments or queries should be directed to the Claiment's solicitor on 01527 588517 (phone) or 01527 63669 (fax)"

 

Without giving too much away the claim is over £10k

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Please keep to one thread Vamp...threads merged.

 

Andy

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Yes an urgent CCA request should be made.

 

Yes start a PPI complaint with MBNA.

 

Do you know roughly when he missed making payment on the card ? Has he acknowledged in writing to owing the debt since then ?

 

I think in view of the Christmas/New Year period, some allowance will be made to submitting further defence later on in the process. If the CCA request is not complied with and insufficient information is obtain by 2nd Jan, he could alway enter an embarrased defence that he has requested information from the claimant, but has not received it, to enter full details of defence.

We could do with some help from you.

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Firstly sorry Andy - just trying to sort this.

 

OK we shall send these off. Sounds like a good thing re embarrased defence.

 

Which box should he tick on the AoS then?

 

1 - intend to defend all of this claim?

 

2 - intend to defend part of this claim - I guess not

 

3 - intend to contest jurisdiction?

 

I am really sorry for the panic but as I have said my friend has mental health issues and really cannot cope. I am getting tons of texts every day almost blaming me for it! Par for the course but I don't need that at Xmas.

 

Thank you all.

 

Any further advice you can give is most greatfully received.

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If there's a defence then you defend all...even a defend part still requires a defence.You dont contest jurisdiction.

 

Andy

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Another thread merged (now 3 in total)

 

Andy

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

 

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Having now seem the original CCA it is not legal and the credit card has evolved from standard to platinum and the account numbers kept changing he never had to sign any further agreements.

 

Thank you for your help thus far. Will keep you up to speed on the events.

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  • 2 weeks later...

Just to update you. Not knowing who owns the debt a CCA request was sent to both Experto Credite and HL Legal Collections.

 

The defence has to be in today. We currently have no reply from EC/HL as they may have only just got the request this morning. However, wanted to ask about a cpr 31.14 request.

 

Only found out about this upon much reading here over new year. The 3 areas we wish to defend on but have no disclosure are:

Credit Agreement

Notice of Assignment

Default Notice.

 

Now due to only just finding this out and the claim needs to be in by 4pm, can our defence to the court be;

 

Account is in dispute under CCA request.

Requesting disclosure of Letter of Assignment and Default Notice but this is going out today due to Christmas and New Year Bank Holidays.

 

Really need some help wording the defence as I want to send off a cpr 31.14 but hope it is not too late to do so. My friend has til 4pm this afternoon to email the defence to the court.

 

Many thanks in advance.

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Can anyone please advise?

 

Am happy to draught cpr 31.14 letter and send today but how do I put the defence to the court?

 

I realise this is last minute but will the court accept that if I can show the letter is sent before the court is emailed and due to xmas holidays, that time limits for accessing information have been compromised by 3 working days?

 

Just need some advice please.

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CPR 31.14 should have been dispatched 13th Dec 2012 Vamp

We could do with some help from you.

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OK so what do I do? I was not aware of this and only found out as I was reading last night - this is not my claim as you know.

 

CCA went on Monday - again my friend just would not get on with it and I have done my best to help. He really does have mental health issues and is very difficult to deal with.

 

So a defence needs to go in today would you be kind enough to advise me please Andy?

 

The 3 Particulars of Claim are CA, Letter of Assignment and Default Notice.

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