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    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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.
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SAR to Santander


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Hi all,

 

Been trying for ever to get a better deal from Santander on my mortgage (re). Am on the SVR @ 4.74% they are offering new customers 2.94%. They keep telling me that thats the only rate they can offer to me, because they look at peoples circumstances, credit rating etc. The FSA have told the banks that they should be viewing existing customers in a fair manner. I did in mid 2011 have some arrears put that was cleared up 14 months ago. I think they have something against me but need to advice on this because they are not telling me anything but taking my normal monthly payment. Always good for the money but better rates!!! Thanks :evil:

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Have Santander reported the arrears on CRA files?

Perhaps look elsewhere if credit files are clean.

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They haven't, just that I'm self employed and will need to self cert. They reckon that they view each customer differently, wouldn't mind but been a customer since the Mickey Mouse Club. Had a lot of savings that I moved from them because there on-line was compromised and someone added over six different names into the 'make a payment' section. They wouldn't tell me how or why this happened, complained and got a blah blah letter. Just wondered if I sar them it will tell me why they are not giving me a decent rate. Cheers

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You can state what docs you specifically want and state ''incuding but not limited to the specified documents''.

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Cheers, on something else having an issue with Arrow who bought an alleged debt I had with MBNA. MBNA issued an incorrect default on me asking for a full balance to be paid not any arrears within the prescribed terms I spoke with them about this at the time and they said I had to pay the full balance. Would that make the debt null and void as they did not keep to the prescribed terms of the cca agreement? Cheers again ;O)

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Hi, No a defective DN can be rectified at any time, are Arrow G pushing for payment at present?

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They are indeed, the default that MBNA issued and logged on my file is for 3 days before the default date. Did write to them to asking for the default they sent to see if it would be different and it was. Arrow logged a default to on my file to.

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Arrow would have just updated the files with their details as the new owners of the account, the actual default date MUST NOT be changed!!

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Ok what is the variation on the default dates, if only days it's of no consequence, months or years then needs challenging!

 

Start a new thread for PPI reclaim we have some good specialists on this.!

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Also sorry about this, but if the default notice was not stating the actual arrears at the time how can that be right. The default notice looks like something that a kid put together and layout. They ended the account by not adhering to the cca agreement or am I wrong. Thanks again

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Ok, default notices are not routinely archived on records, a creditor can rectify any errors when challenged all that is recorded is that a DN was sent on xx xx xxxzx.

Faulty paperwork is no longer as useful as it was a few years back.

Concentrate on the SAR it's this info that you need most.

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