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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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Hfo


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Good Morning,

I have been paying a debt,by DD,to the above cretins for 18months.

 

They stopped taking the DD payments three months ago,

and now I have had a letter from them stating they have passed the case to their solicitors for further action as I have broken the agreement by non payment.

 

The outstanding debt is £888

 

Any advice would be appreciated.

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Hi Fallback,

 

First of all, please log onto your online banking system or go into your local branch and fully cancel the Direct Debit, DCA's have been known in the past to use this facility to empty bank accounts, only ever pay by setting up a standing order, that way you are in complete control, that rule also applies to your debit/credit cards as well, never give these to any DCA.

 

Onto the debt...

 

What debt are HFO chasing? Bank Account / Loan / Credit Card?

 

When was the debt taken out?

 

When was the debt defaulted?

 

Has their been a clear period of 6 years (5 years in Scotland) that no payment or written acknowledgment has been made?

 

Is the debt listed on your Credit Reference Files?

 

Who owns the debt? HFO or are HFO collecting on behalf of the Original Creditor?

 

As to the letters, they are just mainly threatograms, is the wording MAY, IF or Will?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi Fallback,

 

First of all, please log onto your online banking system or go into your local branch and fully cancel the Direct Debit, DCA's have been known in the past to use this facility to empty bank accounts, only ever pay by setting up a standing order, that way you are in complete control, that rule also applies to your debit/credit cards as well, never give these to any DCA.

 

Onto the debt...

 

What debt are HFO chasing? Bank Account / Loan / Credit Card?

 

When was the debt taken out?

 

When was the debt defaulted?

 

Has their been a clear period of 6 years (5 years in Scotland) that no payment or written acknowledgment has been made? Payments have been made for 18 months,they stopped taking them 3 months ago

 

Is the debt listed on your Credit Reference Files?.N o the debt is not listed on any credit file.

 

Who owns the debt? HFO or are HFO collecting on behalf of the Original Creditor?

 

As to the letters, they are just mainly threatograms, is the wording MAY, IF or Will?

 

Stigman

 

Answered two questions,will have to get the papers out to answer others.

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Morning

 

More info needed please

 

I have been paying the debt for 18 months.HFO suddenly stopped taking payments three months ago.Letter received from HFO telling me I had broken the payment agreement and any further contact about the debt should be through their solicitors.I never contacted HFO when the stopped taking payments three months ago.

 

I have not broken any agreed payment, they stopped taking the DD.

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Hi again

 

Who was the original account with?

 

Which HFO company from what address has actually written to you? Can you scan and post any correspondence with your personal details removed?

Please support CAG and they will support you.

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Check with your bank you need to know if HFO actually tried to collect on the DD if they did not then you have a perfect stance for challenging the ''non payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Haven't heard anything from HFO on this forum n a while.... any update?

 

OFT still minded to refuse/revoke their licences, HFOC, current licence expires on 26/3/2013 and Roxburghe expires 4/3/2013, HFO Services expired Sept 2009.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Haven't heard anything from HFO on this forum n a while.... any update?

 

There was a couple of claims in Sept which came to CAG, HFO discontinued both when challenged.......

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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  • 2 weeks later...
A direct debit with a DCA is a mistake!

 

The account I use never has any large amounts of cash in it.I use it for online purchases and load it up when needed,so there is no chance of a DCA raiding it at anytime.:-)

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