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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!
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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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Argos Card - Interest impossible to pay


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I took out a card in 2002, with my mum who has now passed away.

 

 

I have been trying to pay this off, but the interest this month on £1950 is nearly £200.

 

 

I cannot afford the payments let alone this interest.

 

Does anyone have the same problem, as its just ridiculous.:-x

LilythePink

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Have you told them to STOP all interest as your circumstances have changed?

 

Was it a joint account?

 

Unfortunately it is the dreaded Vanquis card! They're a right pain.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I am the main cardholder, my mum was just an additional cardholder. I am just about the write a letter to them, any ideas of what to write thanks

LilythePink

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I think there is a 'Harship' letter in the library you can send them, asking them, to stop all interest and charges for the time being.?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Meant Hardship, not harship!

 

Do they have anything on their site about financial difficulty?

http://www.argos-credit-card.co.uk/terms-and-conditions

 

It would appear not!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They warn you about the high interest rates on your bill, and in fact pay later items, they warn you that you might not be able to afford the interest, so then why do they charge such high interest.

LilythePink

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Simply because you're the product, they care nothing of if you can afford it or not.

You're simply profit to them.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Argos are still charging interest and won't stop, they have sent me a incom/outgoing sheet to fill in. I sent them a consultant's report from 2012, when I was very ill with anxiety, and was off work for a while. They are asking for current medical reports on my health.

 

Can I ask for a CCA?

LilythePink

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Argos are still charging interest and won't stop, they have sent me a incom/outgoing sheet to fill in. I sent them a consultant's report from 2012, when I was very ill with anxiety, and was off work for a while. They are asking for current medical reports on my health.

 

Can I ask for a CCA?

 

Yes, do this straight away.

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They are taking the proverbial, how dare they ask for such personal private information such as your medical reports, I know exactly where I'd tell them to

stuff that little request!!

 

What they won't tell you is that their silly little card isn't a priority debt, and as such it comes right down the bottom of the list of things to pay, and yes I do mean after you've had your hair and nails done, partied the weekend away and saved for you holiday in Barbados.

 

If you have told them to stop interest because of your circumstances and they have ignored you and are continuing to add their interest, then IMO I would drop them down to £1 a month whilst exhausting their complaints procedure (if they have one?) and then escalating it to the FOS.

 

I'm guessing that this is already on your credit file? What are they marking it down as?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Late payments at the moment, but I received three different letter today and a budget sheet with each. No default yet? Will draft a letter and send it off, asking for agreement.

LilythePink

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  • 2 weeks later...

Asking for the CCA, but do I need to explain about my illness?

 

 

They want an up to date report,

 

 

I could get one, but as you say, it is private and they should not be asking for it.

 

 

Interest is being applied,

 

 

and at the moment, I am in an argument with Nationwide and a charge on my home.

LilythePink

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treat the cca as a separate request. make sure you have proof of postage as well.

 

I would also send a full SAR to make sure you have all the paperwork and to highlight any historic late payment charges and insurances that might be able to be reclaimed/reduce the balance.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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makes no odds

 

 

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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but DONT change them

 

 

CCA request

SAR

 

 

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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