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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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Negotiating debt payback MMF & old Sunny PDL


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doesn't matter who/what you pay

 

the defaults are there for 6yrs.

 

DONT GET SPOOFED

 

IMHO I would NEVER EVER pay MMF anything

 

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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Yes dx I agree, but just trying to get the payment history updated on credit files from 8 to something more likeable.

 

It really is scandalous how they can just ruin peoples lives in such a simple but effective way, for some of us 6yrs is an awful long time and financial situations change but poor credit ratings sadly dont.

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Acceptable or not the Credit Files Must be an accurate picture of the conduct of an account,

if such an account has been in default for 8 months then that's what must show,

making payments after a default has been place (especially when these are lower than that required to satisfy the default)

do not affect the fact that the account remains in default of the terms of the agreement.

 

The DCA/debt purchaser/ original creditor cannot be blamed for a debt being defaulted due to non payment,

a lower payment than that contractually required is a default on the terms of the agreement

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Staggering response from such a learned and respected member as yourself,

 

whilst I agree that expecting to just walk away from ones debts is totally unacceptable,

what I do find questionable is that the way these companies have been set up for one purpose to prey on those of us who at the time found ourselves in great difficulty and not really in position to start going over the fine detail of a contract.

 

My point is that I am more than happy to repay the loan and reasonable interest

but having now seen the change in attitude towards these companies supported to some extent by the FCA for example I refuse to repay fees made up to clearly line the pockets of bottom feeders like MMF.

 

After all they wouldn't even exist if we hadn't struggled to repay these things.

 

In my own case my financial situation has changed considerably for the better in 3 yrs and I can now afford to buy a new car or house

 

but am denied this because of the antiquated credit file system aided by the likes of MMF.

 

6 years is a long time to be punished over a few hundred pounds and stops many of us from finally breaking free of the debt cycle.

 

It would help if the whole CRA system was looked at and 6yrs reduced to say 3 in minor cases.

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you are missing the point.

 

its nothing to do with MMF.

 

getting a good marker for that 'month' does bugger all to help you

or your rating.

 

if the debt has got a default in the debt summary

 

its there for 6yrs paid or not.

 

and will kill your credit rating.

 

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

Staggering response from such a learned and respected member as yourself,

 

 

whilst I agree that expecting to just walk away from ones debts is totally unacceptable,

what I do find questionable is that the way these companies have been set up for one purpose

to prey on those of us who at the time found ourselves in great difficulty and not really in position to start going over the fine detail of a contract.

 

 

My point is that I am more than happy to repay the loan and reasonable interest

but having now seen the change in attitude towards these companies supported to some extent by the FCA

for example I refuse to repay fees made up to clearly line the pockets of bottom feeders like MMF.

After all they wouldn't even exist if we hadn't struggled to repay these things.

 

In my own case my financial situation has changed considerably for the better in 3 yrs and

 

 

I can now afford to buy a new car or house

 

 

but am denied this because of the antiquated credit file system aided by the likes of MMF.

 

 

6 years is a long time to be punished over a few hundred pounds and stops many of us from finally breaking free of the debt cycle.

 

It would help if the whole CRA system was looked at and 6yrs reduced to say 3 in minor cases.

 

 

It's not the CRA system it's The Limitations Act, The DPA/ICO/FCA laws and regulations.

 

 

 

Jotty I cannot see why or what it is you want to achieve, as dx100 has said quite succinctly " it's nowt to do with MMF".

 

 

The CRA file is accurate it seem and up to date and your " dislike" of it will not assist you or change the facts.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 months later...

Whilst they are in default of your s78 request then they should not be allowed to obtain a judgment should they issue a claim against you.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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In their letter that you posted up on 12th January they say they will put the account on hold for 30 days whilst they attempt to obtain the CCA..

 

I would make a formal complaint (head your letter as such) to their Head/Registered office - send it via tracked method.

 

The basis of your complaint is that they have failed to comply with your legitimate s78 request and at the same time, they had written to you advising that whilst they were attempting to obtain this from their client, they would place your account on hold. (Enclose a copy of their earlier letter).

 

As neither the 30 days or the s78 has yet arrived, you do not understand the point of their latest letter which is quite intimidating !

 

 

 

Hope this helps..

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 5 months later...

Well I should really pick this up again.. I still haven't heard from MMF about the CCA. Other than an email offering 35% discount.

 

What can I do now, it looks like they don't have the CCA at all.

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Well MMF wont actually have a copy unless they have requested this from the original lender.

 

As already advised, until they comply with your s78 request, then they should not be able to obtain a judgment against you should they decide to issue a claim.

 

Are you making payments to the account, on the basis of the letters being received from MMF, I guess not.

 

Have you sent a CCA request to Sunny ? If not, perhaps you might want to try that. Although the general consensus is, you have made the request, it hasn't been complied with - don't chase them.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes I wrote to sunny too, they returned the £1 fee and told me it had been assigned to MMF.

 

So if I don't do anything about it will it just remain as outstanding on my credit check? I'd prefer to get it marked as settled if I can.

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I've sent them a letter.

Lets see what happens.

 

-----------------

Edited by citizenB
removed letter which has been drafted by another forum.
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Interesting letter, did you draft that yourself ? :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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That seems a template letter off some debt site. I may be barking up the wrong tree but there is no longer a criminal offence for failure to comply with a CCA request. It is also 15 days, not 12 as well.

 

You cannot demand the payments made as the debt sill exists, it is just they cannot enforce. To do so will be unjust enrichment. The same goes with the Data protection act . When the agreement was signed by yourself you allow them to process your data. That is if you are saying this is not your account and ID Fraud??

 

I am a newbie myself to this forum but always ask for advice first, that letter makes you out to be a pillock in the eyes of Motor mouth

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In which case, I am going to have to remove the letter - we don't post up documents / letters / articles without giving credit to the original drafter and we don't credit other forums when we have our own template letters.

 

Sorry about that, but those are CAG rules.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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