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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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Power2contact/ my Cap1 Debt


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Hi guys can someone please help me with this.....

Just so you know I try to post each of my queries on different debts seperately to avoid confusion.

 

I have an outstanding debt with Capitalone which they have now defaulted.

 

This has been passed to Cougar financial and I have recieved a letter from Power2Contact today on behalf of Capital one

telling me if I do not contact them within 72 hours they will contact me at my property.

 

Luckily for the moment they dont know my new address as I have just moved 3 weeks ago

but I will be informing Capitalone when I know where I stand with this.

 

Im panicking now incase they try and take my belongings/enter my home etc...

 

.can someone please explain what rights and or legal standing they have please??!!!

 

My intention has always been to repay but it doesnt sound like I have time no to send a letter

and for them to respond before this 72 hour deadline. I

 

m not ringing them but want to know what my next steps should be and if I should be worried......:!:

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Im panicking now incase they try and take my belongings/enter my home etc....can someone please explain what rights and or legal standing they have please??!!!

 

Well you can stop panicking. P2C have no legal rights over you and cannot enter your home and cannot take anything that belongs to you.

 

These are simply doorstep collectors who will try and get some money from you. They are generally on a commission for doing so.

 

You are perfectly within your rights to tell them to "do one" if they do turn up. More often than not, they don't turn up.

 

In order for someone to come into your home they would need to take you to court, win and then you not comply with the court's judgement.

 

So, tell us the history of this debt please.

 

Knowing CAP1 there will be penalty charges on the account which you can claim back.

 

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Phewff!!!!

Thanks so much for that....I suspected as much the intimidating little sods grrrr.....

 

Ive posted about my debts as I started this long journey but heres a breakdown of this one...

 

.myself and hubby have lived on Student loans and benefits alone for a long while now and I decided enough was enough and stopped paying my debts as we were drowning.

 

The plan has been with all debts to wait until they defaulted then make some payment arrangement,

this was so that on our credit files the 6 year drop off begins as soon as the default is registered rather than with an arrangement to pay status

which wouldnt start the 6 year drop off until its satisfied.

 

So, they sent lots of letters, phonecalls which I blanked and have issued a Notice of Default and have now defaulted.

I have only received some of these letters just yesterday as we moved house about 3/4 weeks ago

- my neighbour asked the workmen( who are in our old house doing odd repairs for the next tenant)

if she could have my post to give me, which they had stacked up.

 

I have all the letters that have arrived whilst we have been in new house so just sorting through them all really and trying to tackle everything in priority order.

 

This letter is dated 7 May 2013 from Power2Contact regarding the Capitalone creditcard.

 

Anything else which may help you to help me then just ask :)

 

Just wondering what to do now really ?.... :)

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Just wondering what to do now really ?

 

Well my answer would be "not a lot at the moment"...certainly not in respect of P2C.

 

So, this Cap1 debt...have you got the statements for the account?

 

Any £12 late payment or over limit fees on there?

 

When was the last payment made on the account?

 

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Hi ims21,

 

ok so the last payment was months ago,

 

Im not certain when but can find out .

I dont have the statements as I just chuck them as of recently,

used to keep everything in folders but got peed off squishing them all in files along with the rest of my life on paper...

 

Therell definately be charges and fees I know that for certain.

 

Would you say I should SAR them to get my file and the claim back the charges etc

 

?Also slightly concerned that they may call at old address when new tenants are there who may send them round my way....

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As I say, if they do pitch up tell them to get lost.

 

You need have no fear of P2C...I can 100% assure you that they are completely toothless.

 

I know that you said that you have every intention of paying what you owe and in order to do that it would be wise to establish what you do actually owe, i.e. the figure with the charges and associated interest removed.

 

If you don't have your statements any longer then a SAR to Cap1 would be the way to go.

 

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Hi should I send a letter to these people telling them I dont give permission to contact me at my home, or would they not take any notice either way. (I know they have no authority to do anything, just wondering if it would stop them turning up?)

 

Also...should I send a CCA request to Capital one/Cougar/power2contact?

 

Thanks alot

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You could put a formal change of address letter in with your SAR.

 

Don't forget, they will probably let the other agents know your new address.

 

As you said, you are happy to pay them what is actually due so you are going to have to let them have your new address at some stage.

 

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Ok, will do. Well, I am happy to pay them what we can afford....which isnt much, but thats what we can manage and until our situation changes then it will have to do. No worries about them having our new address as from what I can gather as long as we are paying something then they would be wise to accept this?? Am I right?

Cheers

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Yes, they can't have what you haven't got.

 

Even if they took you to court, a judge would not require you to pay more than you can afford (after all of your priorities like rent/mortgage, food, utilities etc.)

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Hi all, would anyone advise to CCA this debt to see if it enforceable before agreeing a repayment arrangement?

If its unenforceable Id rather take advantage of that rather than be paying a pound a month forever...?

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Ok I have re-read this thread after getting sooo muddled and lost with all my threads and debts.

As it was opened after 2007 Im going to wait for this SAR to be replied to and then will update when I have that....doing as Im told ims21 thankyou :)

And thanks Daniella :)

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It is so easy....and I do feel like a pest when I keep asking questions, just worried and want to take the best route to help lift this stress. Thankyou all, you probably dont realise just how helpful you all are, its an absolute godsend this site.

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  • 5 weeks later...

Just to update and check what I should do (if anything) ...Cougar have sent a yellow card to our new address for my hubbys Cap1 debt informing me they are to visit on Wednesday......should I do anything, what do I do if they knock?

Thanks guys n gals :)

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Just to update and check what I should do (if anything) ...Cougar have sent a yellow card to our new address for my hubbys Cap1 debt informing me they are to visit on Wednesday......should I do anything, what do I do if they knock?

Thanks guys n gals :)

 

 

 

did it say they will visit or call wednesday? if visit and if ever they did, suggest you go upstairs with a bucket of contents from pot under bed and sluse it out of the window at an appropriate time>?

:mad2::-x:jaw::sad:
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