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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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Unenforceable agreements under the Consumer Credit Act


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(Quite long I know but please stick with it...could open up a new area for claims...)

 

Hi all. Great site...helped girlfriend claim back £830 from Lloyds TSB and just issued another claim against them today for £490...thanks for all the help/templates/advice. Got an unusual (I think) query this time...

 

Was checking the national debt line site back in April and came across their letters template link (National Debtline England & Wales | Debt Advice). 2/3rds down the list there is a CCA letter that you can use to request a copy of a credit agreement from your creditors under the CCA (Sections 77-79)...what is interesting about this is that it states that "creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act." This is relevant for my girlfriend as she thought she had come to the end of the term of the loan only to be told that 4 instalments were still outstanding. She has been switched from one loan product to another during the loan term and by Lloyds own admittance is on an "old-style" loan. She sent the CCA letter in April and has heard nothing since...no agreement, no chasers for the money, nothing. Lloyds have however starting to charge interest on the outstanding balance without any notification. Three questions:

 

1) Is the national debtline letter correct?

2) If so, does unenforceable mean that my girlfriend can write to Lloyds to get them to scrub off the outstanding amount?

3) Is Lloyds practice of charging interest in this manner legal (particularly given that they are unable to provide a copy of the credit agreement)?

 

Any views/advice/experiences would be most welcome.

 

Thanks.

 

Stuart

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Hi Stub.

 

Please start your own thread in the DEBT and BAILIFFS forum and copy and paste this post there.

You will get help and advice that is more specific to your needs.

 

 

Click on this link for DEBT AND BAILIFFS forum.

 

Good luck with your claim.

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  • 1 year later...

Hello,

 

I have been reading with interest the threads for 'unenforceable credit agreements'. I took out a loan with Northern Rock in 2005 and after a while tried cancelling the payment protection insurance, to cut a long story short they cancelled the insurance and processed a new loan in 2007 with a different account no. I signed no credit agreement, I just have a letter telling me that I had a new loan for the new amount. Am I right in thinking that this debt may now be unenforceable as there is no credit agreement?

 

Also, if I send a letter asking for a copy of the credit agreement and they dont supply it, what should I do next? Any advice on how to proceed with this would be gratefully apreciated.

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  • 7 months later...

Hi guyz,

 

I was just windering if anyone could help, i ve read alot of threads talking about unenforceable credit card agreements and loan agreements, and how to challenge them.

 

Does anyone know or can anyone give me any pointers as to if the same can be done with a mortgage agreement and how to go about this please.

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Hi guyz,

 

I was just windering if anyone could help, i ve read alot of threads talking about unenforceable credit card agreements and loan agreements, and how to challenge them.

 

Does anyone know or can anyone give me any pointers as to if the same can be done with a mortgage agreement and how to go about this please.

 

Mortgage agreements are not regulated under the Consumer Credit Act, they are deemed exempt under s.16 of the CCA The Office of Fair Trading: Exempt agreements

 

I take it your mortgage is pre 2007?

 

One issue you might be worth looking into though is if you have had any top-up loans from your mortgage company throughout the period. IF you have then you might like to read up on Francis Bennions views (He drafted the 1974 Act) on Top-up loans and the effect they had as independent loans rather than just being merged into the original mortgage...takes some reading and analysis, but with a little tenacity and enthusiasm you might find some interesting pointers there.

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  • 2 months later...

hi eveyone,

i sent off my 1st letter requesting the credit agreement from hsbc with the £1 postal order. this was returned to me yesterday with an acknowlegdement of my request. The say i need to sign the letter to coresspond with their docs. ( they have none) but i need to find the template letter which states my right not to sign?

Help anyone?

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hi eveyone,

i sent off my 1st letter requesting the credit agreement from hsbc with the £1 postal order. this was returned to me yesterday with an acknowlegdement of my request. The say i need to sign the letter to coresspond with their docs. ( they have none) but i need to find the template letter which states my right not to sign?

Help anyone?

 

 

Beware about signing anything with your usual signature dolphinbaby, I'm not suggesting for one minute that anyone would be so low as to recreate a document which super-imposed your signature on it, but there are many thousands of people who watched Blue Peter - stick to using a signature if you have to use one which can't be recreated. Actually, as they have asked for a signature to correspond with one they already have write back and ask for a copy of that signature because you use numerous signatures - if they don't send it - they ain't got it - not a signature or the agreement :D No agreement - no debt! :rolleyes:

 

DO NOT TRUST THEM AN INCH

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I wonder if someone could take a look over my agreement for me and tell me if the interest is worked out correctly and whether it is felt this is unenforceable as it stands?

 

Thanks, I just can't work out the interest calculations as per agreement. This is my thread:

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/199658-interest-rate-calculator.html

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Please start your own threads in the appropriate forums as pointed out by Gyzmo.

 

This thread is headed "Unenforceable agreements under the Consumer Credit Act" - that's what I posted about along with a question over interest on the agreement and I put a link to my thread as requested ..so I'm a little confused freakyleaky sir :cool:

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Hi everyone ,

new to this so please bare with me if this has been asked before.

I sent off recorded delivery template letters to a few Credit cards that I started well before April 2007,asking for the agreements etc and enclosing a pound postal order with each.

None replied within the 12 working days. i have since sent a further template letter stating that the debt is not recognised and asking for acknowledgement.

 

Marbles have replied now saying they are unable to provide historic terms however have provided current terms and conditions.

 

Another says they are having difficulty providing archived info.

 

MBNA are still chasing via e mail and have still yet to acknowledge or reply to the recorded delivery template letters.

 

What action should I take if they continue to ignore the requests?

 

Any help great fully appreciated.:confused:

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This thread is headed "Unenforceable agreements under the Consumer Credit Act" - that's what I posted about along with a question over interest on the agreement and I put a link to my thread as requested ..so I'm a little confused freakyleaky sir :cool:

Do you not see the benefit of starting your own thread?

Do you not see the disadvantage of hijacking another thread?

Do you not see the confusion that arises when people are answering questions by multiple users on the same thread? (This is not directed to Battler by the way. I will move your post to your own thread shortly)

If everyone on the forums used other threads to post their questions on we would have much fewer threads but mass confusion.

Please start your own thread as previously asked.

Also have a read of the site rules regarding posting.

 

And ther really is no need to call me sir.

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Dear all,

sorry for being a pillock , however only just started on this site and do not know where to start a thread. was just reading the site , and saw the entry which related to what i wanted to know.

I will soon get the hang of it though!!!

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Hey, I apologise too..got confused with the thread title and thought it was a general thread, should have read it all...apologies...I did start my own thread though before hand and linked it, so I'll leave the description of being a 'Pillock' for the time being..:D good luck stubs, thanks FL..

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Is that meant for me Gyzmo? :oops:

 

Not specifically! I just found it funny that you posted on here a couple of minutes after my previous post! Sorry, my warped sense of humour.

 

I've said before that there are a large number of posts in the welcome thread asking about CCAs. I think more efective sign posting is required.

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I've said before that there are a large number of posts in the welcome thread asking about CCAs. I think more efective sign posting is required.

:confused: What would you suggest Gyzmo? I understand why people make a bee line for a thread entitled with a similar problem to their own but what can we do? The whole team are open to suggestions as it can be a nightmare some days having to move posts and create new threads for newbies who are still unsure of the forums.

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I mention this because I put a post in the general forum about this very issue a few months ago, which seems to have gone largely unnoticed - here's the link:

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/189326-ccas-warning.html#post2040814

 

There are obviously guides to this and that, but it seems that people are either not bothering to look or do not know how to find them or are having having difficulty in doing so.

 

All I am saying is that there are a lot of people asking about this issue. There is also a lot of information on this subject already in existence.

 

Maybe a question box should open when people sign in or log in. It could ask why thet are posting, with various options such as "I want to know about CCAs" or "I bought goods online that are faulty". The user can then select the option and be taken to the most appropriate part of the forum where they can probably find what they want to know.

 

Just trying to make things easier for everyone - that's all.

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I totally agree with all the points you have mentioned there.

I will move your thread to the Questions and suggestions and flag it up for admin to have a look see what they can come up with.

 

I was not critisising you for mentioning this at all. I genuinely am interested in ways of sorting this problem.

 

Thank you.

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