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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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Mobile Contracts and Defaults


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I'm trying to get a bit of clarification with regards to mobile phone companies and defaults.

 

I have two defaults on my credit file with equifax for 02 and Three

 

I asked for copies of the default notices and got the response that they don't have to supply them as they are not covered by the CCA.

 

If they aren't covered by the CCA, how can they enforce a default for 6 years on my credit files (which is regulated by the CCA) and not have to remove it when they full balance has been paid?

 

Thanks :-)

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theres no requirement

within or out side of the CCA

that says a default must be removed if you settle a debt

no matter what type of debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yeah, i understand that, i guess what i'm trying to get at is that if they can default you, but not tell you about it and they are not answerable to anyone like the CCA, then how is someone meant to fight or even respond to that?

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it depends on the way you operated your account.

 

theres no direct relationship between the issuing of any dn

or default letter as to if they do actually mark the account as defaulted.

 

it could also be that the account was marked late or no payment

for more than 6mts and the cra file auto changed the account status to d or 8 defaulted.

 

like it goes 1,2,3, etc.

 

p'haps outline what happened in your case.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The one with three was the classic one that you always seem to read about that the contract was over and i paid what i thought was the final bill, and it ended up that it wasn't. i'm actually dealing with them right now, and they seem to be pretty helpful.

 

O2 is the one that i can't seem to get through to

- I lost my job and they eventually gave me a letter stating

that if i didn't pay by a certain date that the account was going to be cancelled,

 

i called them on that date and paid the outstanding balance,

and was told that the phone would be reconnected and that would be that.

 

The next morning, i received a bill for well over £2000,

called them and they said that it was a mistake and that the line would be reconnected later that day - it wasn't.

 

I left it a few more days and called them back,

they told me that the account was closed and there was nothing that could be done about it.

 

months later i received another bill for the disconnection fee of £2000,

spoke to them and they said as a matter of good faith they would take the 900ish

that i had already paid and leave it at that.

 

Years later, i check my credit file and find a default for the 2000+ marked as settled.

 

How can they tell me in one breath that they will reconnect the line,

then at the same time slap a default on me without even telling me?

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so at some point you were in arrears with them.

 

if this was not for 3mts ideally they should not be marking the default.

 

have you tried the obv route of a polite email to the CEO dept?

 

asking nicely for the neg data to be removed as you paid?

 

I think £900 is outrageous and £2000 even more so.

 

what the hell was the bill made of?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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To be honest i can't remember what the 900 was made up of, but i know that the 2000+ one was a cancelation fee and that was over a year in to an 18 month contract. i don't have any of the paperwork relating to it anymore, as it was in 2010, and if I'm completely honest, i was a complete idiot child then.

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the boss!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Sorry to hijack the thread, just out of interest, does it mean that Mobile companies do not have to prove if they were to take one to court by showing that an agreement existed or what the amount being claimed is made up off? etc.. As in other credits, CCA is vital, what would it be in the Mobile communication world? It would be interesting to know if anyone has got an idea. Dot

 

it depends on the way you operated your account.theres no direct relationship between the issuing of any dn or default letter as to if they do actually mark the account as defaulted.

 

it could also be that the account was marked late or no payment

for more than 6mts and the cra file auto changed the account status to d or 8 defaulted.

 

like it goes 1,2,3, etc.

 

p'haps outline what happened in your case.

 

dx

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not your thread...

 

 

mobile phone operators don't do court or very rarely.

 

 

they asell it on

and dca's do the court.

 

 

and 9/10 the defendant never contests it.

 

 

of course the claim has to be substantiated

but prob by statements under a cpr request.

 

 

which is why 9/10 if the claim by the dca is defended they run away

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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