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    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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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.
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Next Directory won't accept my reduced payment offer ** SCOTLAND**


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I emailed Next and Isme with a list of my income and outgoings and asked them to accept a reduced payment of £36 a month. I explained that I only have Carer's Allowance and Income Support totalling £72 a week. I have £18 a week left so I offered both catalogues half of this. Isme not replied yet but Next have refused my offer but said they will accept £54 a month with no interest or charges. Can anyone please advise me on how to respond as I cannot afford more than £36 a month?

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You made the mistake of asking instead of telling. Write, and start paying now, the reduced amount and tell them that is all you can afford at present and will review it in six months. Make sure you pay your suggested payments and not wait for them to agree.

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Thank you. I paid them £100 on the 3rd mainly using money I was given for xmas so will be a couple of weeks till I can pay them anyhing else. Will they keep adding charges and interest if I pay £36 and not the £54 they want?

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Isme response today - they want me to agree to £169.73 every 28 days for 12 months with no mention of freezing interest and charges. If not, they advise to contact Stepwise. They want £42 a week of my £72 a week income despite knowing that is all I have. I am worried about informing them I can't pay that much and would appreciate any advice.

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I think all you can do is send one more letter along the lines of:-

 

Dear Sir or Madam or named person,

 

Account references

 

I am responding to your letter dated XXX

 

I am sorry you feel unable to accept my token payment offer of £ XX.00 and my request to freeze interest and charges. I have made you aware of the financial hardship I am facing and the sum you are demanding every 28 days is, in the circumstances, unreasonable.

 

In view of your refusal of my payment offer, I can see no way forward and will be speaking to National Debtline to review any options I might have. It would be appreciated if you could hold any action whilst I do this.

 

 

Yours etc, etc.

 

You could if you wish send this to their Head/Registered office under the heading of formal complaint.

 

Alternatively, I would suggest you get in touch with National Debtline - have them help you produce a common financial statement (budget sheet) they might suggest you speak with one of the Debt Counselling charities, although from what you are saying, I don't think either of them will be able to help if you don't have over £100.00 disposable income.

 

It is my understanding that if they know you are receiving advice from one of the DMP charities, then they should hold action for at least 28 days and also give serious consideration to your offer.

 

What is your total unsecured debt situation ? It might be worth considering a Debt relief Order (if your debt is under £15,000). Link to Nat Debt below. You will find a telephone number also on their website.

 

https://www.nationaldebtline.org/EW/Pages/default.aspx

 

 

Do you own your own home ?

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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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Many thanks for your helpful reply citizenB. I am in private rented property in Scotland. My total unsecured debt is £6000. I know that my income will not improve in the future as my son requires full time care for life which I provide so their is no prospect of working in the future. I mention this re knowing I won't be able to offer more in 6 months or a year. I will look into the info you have kindly provided,thank you.

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From what you say ellgee, I really do think that National Debtline should be your first port of call. When you go to their website - click on the Scotland link as I believe there are some differences to way debt is collected from England.

 

If Next are aware of your situation, then they are not being reasonable or fair.

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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