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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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Payday Loans taken to Pay other Am I In Trouble?


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Hi All,

 

Have been reading alot of the threads on here and really appreaciate the information provided. I am in a bit of bad situation, I have about 6 different loans with different paydayloan companies. The higher amounts are with QuickQuid and PaydayUK around 6-800, and smaller amounts with other companies. The first two were taken out just before and after Christmas, at which point I lost my job and had to find another. I rolled over the two loans, which bled all of my wags and wa really struggling day to day. I therefor had to take out other payday loans to both cover the cost of rolling the higher loans over and pay for food petrol etc.

 

I now have a new job but wont be paid a full months wages for another 6 weeks. I'll be recieving a small amount on my next payday but will need the money I do recieve to live and get to work over the next 6 weeks. It looks as though I'm going to default on the payments of all the loans at least until I get a full months wage, but even then I will need to ngotiate smaller payment amount sas I simply can't afford to pay them all of at on time.

 

Does the fact that I was taking out multiple loans to cover charges and live until the next payday mean that my actions were fraudulent? The reason I left my job was that my hours were being cut because I had complained about being forced to do overtime to cover for people on new yars day, after being promised time off due to working overtime to cover for people on Christmas and boxing day. I was being treated unfairly so walked out and started looking for another job immediately, but having read other posts on here I hear that some payday loan companies ask for written proof of your financial hardship ie, letters stating change in hours etc, but as I walked I wouldnt be able t provide this.

 

Also I have read that companies can threaten to take you to court for not providing a reasonable reason and proof of this for not paying the loan, stating that taking the loan without the ability to repay it is fraudulent. I am really worried about how to proceed.

 

Any advice really appreciated.

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Hi, welcome to CAG,

 

Fraudulent no, foolhardy yes. PDL expeienced people will be along to help.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well that's a relief at least, I look forward to any advice. I have already copied a template for the CPA cancelation and a template to send to my creditors regarding a repayment plan. How would I start as if I send an I&E to one creditor before speaking to another wouldnt they expect more than I could afford after speaking to the others?

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Hi nate87. I've asked for your thread to be moved to the PDL forum. If you have a good read there you'll ease your mind somewhat.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi nate87. I've asked for your thread to be moved to the PDL forum. If you have a good read there you'll ease your mind somewhat.

 

Thread moved.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks Mr kitkat!

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I'm going to th bank today to give them the letter requesting they cancel the CPA's. Can I take one letter to the bank with all of the companies names on or do I need to take seperate letters for each company?

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Just one will do. Make sure you instruct the bank to deny any and all transactions relating to them. Also, make sure you tell them that you want payments cancelled to their merchants as well.

 

get the letter photocopied, signed, stamped and dated. You keep the copy, the bank keeps the original. Don't let them try and tell you they cant follow those instructions. They are breaking the law if they dont follow them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thanks, do you know where I would find a list of who the companies are linked with? I dont want to miss someone out in the letter and not have a leg to stand on if they take the money. PDL's are with QuickQuid, PDUK, Piggbank, LendingStream, Quid.co.uk and Ferratum :|

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You could say something along the lines of " You are instructed upon receipt of this letter to Cancel and Deny ANY and ALL transactions made payable to: QuickQuid, PDUK, Piggbank, LendingStream, Quid.co.uk and Ferratum and their associated merchants. THis includes ANY and ALL Continuous Payment Authorities that are set up on my account".

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have just got back from the bank after an hour aguing with the cashier and the more senior cashier at the bank. They agrued that cancelling the CPA was impossible and wouldnt take the letter, saying that I had to speak to the companies. I advised that they were obliged by FSA regulations to cancel the CPA and that I absolutely did not have to go through the companies. She phoned a few ppl and came back with a telephone number to ring if any payments are taken by PDL's and they would refund the money and charges, Natwest Visa Debit ChargeBacks 08453660452, stating that this is a new system coming in tomorrow (very convenient), but still refused to sign the letter. I asked why and she abruptly said "Because I'm not". I said that I wanted aknowledgement of the reciept of the letter, which she agreed to, I mentioned that I would be making a complaint about her. She came back with a stamped piece of paper stating that a letter had been given in regarding my account, although while doing so she had removed her name badge, which annoyed me slightly I remeber her name tho :-). I am now to phone this number tomorrow and they will start monitoring my account and refund any moneys taken by PDL's.

 

Now I need to contact them regarding a payment plan, which will be fun. I have been thinking about going through one of the free Debt management companies like CCS or PayPlan, any advice much appreciated

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You need to get a full and formal complaint to the head office of the bank and the FSA/OFT and FOS. Your branch has broken the law. Can i ask if you spoke to the bank manager? As the front desk idiots rarely know the law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ok. Did they take the letter, copy sign stamp and date it? It doesnt matter if the cashiers refuse to accept it. What matters is that letter gets copied, signed stamped and dated.

Edited by citizenB

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No she refused to do that. She kept the letter and gave me a slip from the bank saying "Letter Recieved from ___________ regarding account number _______________" Stamped and signed. I asked what would happen to the letter and she said that it would be "sent off". I asked if it would be entered into the system and she said yes.

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Hmm. I think that might suffice as proof, but you must speak to the bank manager tomorrow. Make sure to take another copy of the letter to them tomorrow. Also flag up the cashiers attitude and that they openly and willingly broke the law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You can do it yourself, but free DMP companies are good too. Just check out the company you are going to be using first. Also remember that some of these DMP companies will not contest any unlawful charges on the account. They will simply negotiate to stop interest and arrange payment on whatever amount the creditor tells them you owe.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They can try, but pretty much every single charge they add would be unlawful and unenforceable.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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OK thanks alot for your help, I'll phone National debt line first of all tomorrow and then do some research on the fre DMP and go from there. Thanks alot for all your help renegade, very very much appreciated, will up your rep for this mate cheers

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I would suggest stepchange as a good dmp. But if you are unsure and want clarification, then National debtline are a great help and have a ton of resources you can use.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just been to the bank and spoke to the manager after 3 payments were taken by 2 loan companies on Friday. He said that all CPA''s have now been stoppped and apologised for the misinformation I was given. However as the payments that were taken on Friday had been authorised before the CPA cancellation was requested I had no chance of getting my money back. Is this Correct? He's saying that as the companies had previously called for the money and authorised the payments, then the cancellation of the CPA on Thursday was already too late and nothing could be done regarding those payments. Seems a bit of a cop out considering all payments were techinically authorised at some point?

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Demand a chargeback. They cannot refuse as it was their mistake. Otherwise the cpa would have already been cancelled.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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