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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!
    • 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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Payplan and WagedayAdvance - got another loan out after DMP


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Basicallly:

 

Owe £777 to WDA. Emailed about 5 days before the repayment date saying that I was going to unable to repay full amount, sent I & E form and waited a day. Nothing. So resent email and waited a day and again nothing. It was on day of repayment so had cancelled the DD and cancelled card and CCA.

 

Sent £50 direct to their bank, emailed them saying I had done so and will be sending this amount every month (this was amount I had offered in repayment).

 

Had one standard email saying missed payment but nothing else - no phone calls or emails.

 

Should I be worried or should I leave it? Not willing to call.

 

Many thanks

 

Swanleyboy

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Have done this but still worried about the no contact. Find it a bit odd. No arrangement has been set but I paid £50 off it as i had outlined in my proposal to them.

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I advised WDA 2 weeks ago that I could not afford the repayments and that I had cancelled my CPA with the bank and requested that they do the same. I received an email last week agreeing to my repayment plan. I made the first payment last week. I didn't have any problems setting it up with them, which surprised me. Im wondering in view of the recent publicity, that they are trying to clean up their act.

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Just so you all know a week after I sent an original email (21st)l i got an email from Elliot Sheppard also agreeing the repayment suggestion of £50 for £777 with a review in 3 months.

Surprised to be honest but confused why the huge delay with an occasional email.

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I got an email from him last week agreeing to my repayment plan. I honestly thought I was going to have problems with them after I had heard horror stories. Maybe they are cleaning up their act after all the bad publicity about PDLs

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  • 2 months later...

Hello All,

I am trying to sort a relatives finances out for them and I was wandering if everyone/posters who has a re-payment plan with WDA has had any further problems with WDA and them accepting and continuing with the arrangement.

Also if someone could post up the contact and WDA bank details to set up a standing order.

 

"EXEMPLO DUCEMUS"

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Hi JGJ,

 

I had no problem with WageDayAdvance to have my repayment plan accepted and I paid by standing order to their bank account. However, every month 2 days before payday they setup a new DirectDebit for the whole amount (which I cancelled every month 1 day before payday).

 

Their bank account details are:

 

WageDayAdvance

Account number: 90931772

Sort code: 20-45-14

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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  • 1 month later...

Hi

 

Will keep this brief. I have been with Payplan since 2005. Made a huge mistake and took out two more payday loans. Could not pay them so entered an arrangement with both. They accepted a much smaller payment - about £50 each. I owe about £700 on WageDayAdvance. However due to more financial issues I find I cannot keep up the payments so I called Paypaln who agred to add them to my DMP. Wagedayadvance have now rresponded thus:

 

DEBT MANAGEMENT ACKNOWLEDGEMENT

 

 

 

Dear

 

Customer ID:

 

 

 

We have recently received a notification from Payplan which advises you have applied for a Debt Management Plan. Although we acknowledge receipt of this correspondence, we will not be accepting the terms of the Debt Management Plan, as we do not consider ourselves to be bound by its terms.

 

 

It appears that you entered the arrangement with Payplan on 27/11/2005; this is before you applied for funds with WageDayAdvance Ltd on 26/04/2013.

 

 

Within the loan agreement, which is legally binding and enforceable, amongst other conditions, you agreed that:

 

 

 

1. the information you have given is true and complete;

 

2. all sums owed under the loan agreement, including interest shall become due and payable immediately if, WageDayAdvance Ltd believes that you have provided false and information when you entered into the loan agreement; and

 

3. You would immediately inform us of circumstances relating to your ability to discharge your liabilities under the loan agreement.

 

 

At no stage during your application for the loan did you indicate that you were subject to a Debt Management Plan. Given the Debt Management Plan pre-dates the application for credit, we are concerned that you applied for a loan in the knowledge that (i) you had instructed a debt management company and (ii) you would not be able to make the repayments in accordance with your contractual obligations under the loan agreement. Providing false or misleading information in a credit application could amount to fraud on WageDayAdvance Ltd.

 

 

If, you have any further information that you would like to bring to our attention, or, if you have any other questions, please contact our Debt Management Department on 01756 707306 or e-mail [email protected].

 

 

 

Yours sincerely

 

WageDayAdvance

 

Martin Perou

Debt Management

Tel : 0871 703 7777

Fax : 0844 443 2309

 

 

Any advice here would sincerely appreciated. How do I proceed?

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Hello there.

 

It's massively unlikely that they'll do anything re: the 'fraud' as it would need criminal action against you, and although you may have mislead them I can't for the life of me see that this would be in the public interest for a successful prosecution. Therefore, my guessing is that they're just trying to use scare tactics. In addition, the fact that you're actually wanting to repay the debt would really narrow down their fraud accusation anyway.

 

Write back with a reasonable offer of payment supported by an up-to-date financial statement.

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I understand what they are saying but actually my details were correct at the time of applying and there was no where I read that said you could not apply if on a DMP. Quite the reverse in fact.

 

Payplan have offered an amount that is paid on a pro rata basis to creditors.

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The email will cover your back, and if they keep contacting you they are breaking the law. A recent Appeal Court Judgement Roberts - V - BOS has defined harassment as clearly contacting twice after notification that a matter will be dealt with in writing is harassment.

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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  • 2 weeks later...

Hi all,

 

Thanks for this forum and amazing advice.

 

Had a PDL with WDA. Couldn't pay. Was with Payplan (yes I know1) so sobbed down the phone and it was added. However WDA refuse to accept the DMP. I told them 'tough' essentially, waited for a week then got back the following email. Any advice?

 

 

 

"Dear Jonathan,

Unfortunately we do not accept pre signed letter of authorities, due to this we do require an agreement to be put in place direct with us.

We can not accept a plan through your debt management company, and a payment is required in order to hold the account further.

If you wish to discuss this further please callus on, 01756 707306

Regards

Fiona"

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Ignore it and state in writing direct to them what the repayment plan is. Then start paying them via standing order.

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 emailed Payplan regarding the email received above and to be honest not happy with their response.

 

"Thank you for your email.

Your creditor is obliged to take our payment but not obliged to accept the DMP and as such they will not discuss any issue that we may need to discuss in the future.

It is very likely that they will add all the interest and charges possible as when you took this loan you were already on a DMP and therefore you knew you could not keep the payments and this is considered fraud.

Ignoring the emails won’t make the issue disappear and your creditor can apply for a charging order at any time.

If you’re seeking advice you should address the citizen’s advice bureaux. "

 

WDA advance has gone VERY quiet and no contact has been made - certainly not to the extent that I thought. One email in two weeks.

 

Is there any advice please.

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If you were on the DMP at the time you took out the PDL, then that could be a problem for you.

 

I will try and find some one who can help.

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