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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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mortgage arrears charges


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Hi.

I seem to be having trouble with the above company with regard to interest rate,

increasing monthly payments and charging £50 per month for being in arrears without an agreement.

 

Is there anyone who has had or still has a loan from kensington secured on there house.

If so can anyone tell me what the svr was on their loan in March of this year.

Also does anyone know whether one can obtain a written statement of kensingtons svr for the last 5 years?

 

Has anyone had their mortgage payment increased even though there was no increase in the interest rate?

 

Has anyone successfully reclaimed the £50 charges and if so how does one go about it.

 

I know this is rather a lot of questions but it would appear that second mortgages are not covered by the FSA and therefore help from them seems not to be forthcoming.

 

many thanks

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Hello Stugoz,

 

My partner has a secured loan/second mortgage with Kensington.

The interest on her loan is set as LIBOR plus so many percent (I cannot remember exactly how many and don't have the paperwork with me to check),

and this is reviewed quarterly.

Thus her loan repayment did increase earlier this year because LIBOR had gone up.

I presume your assertion that "there was no increase in the interest rate" is based on the BoE Base Rate?

 

We did claim back all their unfair fees/charges a couple of years ago (£25 returned direct debit, the £50 ones you are talking about for just being in arrears,

and a counsellor visit fee for a visit that never took place).

 

 

We cited the FSA ruling in our letters to them and they responded with how this only applied to first mortgages and not secured loans.

 

 

However we persisted, and eventually issued a court claim.

 

 

And at that point I'll stop saying anything further, imply what you will from that!

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Dear IanHL

Many thanks for your message. With regard to the interest rate. I have been in correspondence with Kensington who told me that they had made a mistake when quoting my interest rate. I need to find out what their SVR was in March of this year. If you could look at your partners paper work and find out what they were paying it would be a great help to me.

 

I have also found out they are using 1 year LIBOR rate when in actual fact my contract says they should be using 3 month LIBOR which is considerably less. This may be of interest to your partner.

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Hello Stugoz.

 

This gets complicated!

 

The agreement states that the interest rate is the variable rate plus a fixed margin of 7.50%. It also states that they may change the variable rate at their absolute discretion whenever they want as long as the variable rate is never more than 2% more than the LIBOR rate. It defines LIBOR rate as the variable rate of interest equal to LIBOR fixed not less often than quarterly. LIBOR is itself defined as the rate at which sterling deposits are offered for a 3 month period.

 

The notes to the quarterly mortgage statement from February 2008 infer that (being a Money Partners arranged loan) that the interest is LIBOR plus the margin.

 

The actual rate she was paying was 10.20% up till 29/02/2012 and 10.25% from 01/03/2012.

 

Are you able to point me to somewhere where I can see the historic LIBOR rates please? What you say about them using a 1 year rate rather than 3 months is very interesting.

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Dear Iain

I quite agree this is a complicated subject but certainly worth pursuing. I feel that a chat on the phone would be very beneficial to us both. If you agree I will give you my email address. We can put are finds up on the group once we have established anything.

regards

Stugoz

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Please note that the posting of personal e-mail addresses will contravene site rules.

 

It should also be noted that contact by telephone is not something CAG would advocate as being a good idea for reasons that should be obvious.

 

CAG is here as a platform for people to discuss matters in the open so that all interested parties can follow the discussion and take any useful information from it.

 

Please refrain from suggesting making contact by phone and the posting of personal e-mail addresses

 

Thank you

 

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Thank you, most succinctly put. As a new person to this site I would have thought a more tolerant view to my obvious mistake would have been appropriate. But Hey Ho! there is obviously some extremely health and saftey conscious people on this site as well as the people we are supposed to be fighting.

I would mention here that apparantly one is allowed to send a private message to a fellow cagger but only if one has 30 threads to ones name. Hmmm! Hopefully this will count as one.

 

May be you know how the interest rate for a Kensington second mortgage works.

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  • 2 years later...

Can anyone tell me whether it is possible to claim back arrears charges. I have a second mortgage with Kensington and they have been charging £50 per month arrears charges.

I have tried the office of fair trading but they are no longer in existance, so I tried the Financial Conduct Authority who didn't have a clue. So any help woul be most appreciated.

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Can anyone tell me if these are reclaimable. Since there is no office of fair trading anymore I am not sure who deals with what for consmer protection.

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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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Thank you for the link I am not sure how relevant it as as it is so old. Do you know the uptodate rules on this subject or where infact I can obtain them.

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that is current

 

 

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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