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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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Cabot/reston claim form - Old Halifax Overdraft


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Hiya

 

Justt a quick question guys

 

Ive sent of a CCA & SAR request as advised, just wondering when the clock officially starts to tick, is it from the date that royal mail track and trace says the letter has been signed for ??

 

Thanks x

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  • 2 weeks later...

I recently sent off a CCA request to Rockwell DCA in relation to an unsecured loan with Halifax which I took out in 2002. Although I hadnt made any repayments since 2002, unfortunately I had acknowledged the debt in writing since then hence not being able to go down the statute barred route.

 

Anyhow, the 12 pus 2 days are up at the end of this week and as yet my £1 cheque has not been cashed, I sent the request recorded delivery so know that my letter has been received, Im just wondering what to do after the 12 plus 2 days has passed and my cheque still hasnt been cashed or CCA received?

 

Never been through this process before so bit clueless !!

Thanks x

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Not to worry really.

They have your legal request and until such time as they comply your debt is in dispute.

If they demand payment from this point on then we'll deal with it.

Be VERY careful whose advice you listen too

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Or if they don't have the document they shouldn't take the fee for providing it and may even return the cheque (has happened to me before), also I have known CCA cheques take a while to be cashed, I have visions of a group of DCA monkeys stood round it scratching their heads !!! Still at least they didn't cash it right away and try the old "thank you for your payment to the debt" routine

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I recently sent off a CCA request to Rockwell DCA in relation to an unsecured loan with Halifax which I took out in 2002. Although I hadnt made any repayments since 2002, unfortunately I had acknowledged the debt in writing since then hence not being able to go down the statute barred route.

 

Never been through this process before so bit clueless !!

Thanks x

 

Exactly how, but more imprtantly WHEN did you admit this in writing, and to whom?

 

Remember, once a debt is statute barred, it remains statute barred - even if a payment or acknowlegment is made.

Just hate every DCA out there

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Thanks everyone for ur thoughts etc. I admitted the debt in writing {typed} in Jan 2005 as advised by national debtline at the time. I was requesting for the debt to be written off due to a change in my personal circumstances {long term ill health / unable to work} and didnt realise that by contacting them in writing was the wrong thing to do.

 

I sent a stat barred letter a few weeks back and they sent me a copy of the letter i had sent them so was advised to try the CCA route instead.

 

Guess I will just have to wait and see what happens from now x

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Hi

 

I had a DCA chasing me for an overdraft of just over £800 dating back to 2002 from Halifax plc, although I hadnt made any payments towards the debt I did contact a previous DCA in 2005 in writing basically stating I was unable to repay due to not being able to work through ill health etc.

 

Another DCA {rockwell} chased me this year for the debt, I tried the statute barred letter but unfortunately they were able to supply me with a copy of the letter I had sent to a previous DCA and I was advised on here to request a SAR for the overdraft account.

 

The copies of my bank statements have arrived this morning, just wondered what I need to be looking for in them and really where I go from here.

 

Any advice greatly appreciated

Thanks x

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In 2005 I wrote to the DCA at the time explaining I was unable to pay the debt at all due to my not working through ill health

I was asking for the debt to be written off in view of my circumstances.

 

 

I was ignored by that DCA and it was passed on to rockwell this year.

 

 

I sent them the statute barred letter and they came back with a copy of the letter in 2005 which i had written to the previous DCA.

 

Looking through the statements sent to the halifax there are NO charges that appear anywhere from 1997 - 2003

- that itself is incorrect as I have had previous bank charges,

the transactions were all authorised even though I was over my agreed overdraft limit

and just show me going into a debit figure of £800?? yet obviously these transactions should have declined.

 

Also on the statements there is no mention of any agreed overdraft amount like there usually is so that seems a bit odd.

Hmmm not sure where to go with this last few transactions that i def made was 10th Sept 2002 a payment of £10,

there are 3 transactions made in 2003 for "credit transfers of £9" but I did not do these as I had long stopped payment by then.

Last date on statement os 26 Jun 2003 for a credit transfer of £4.

 

Am very confused :confused:

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Ok not sure where I go from here - my overall goal wasnt to claim the charges back, just to make myself no longer liable to repay the overdraft money. The account went into arrears on 3rd April 2002 , last repayment by myself was 10th Sept 2002 and default was issued Dec 2002 and the debt has obviously since been sold on.

 

What can I / should I do next?

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Hi guys

 

The 12 plus 2 days is up today so provided I dont get a letter in the next few days dated today what do I do? Is it a case of just waiting if anything arrives and challenging them if they demand payment?

 

Cheers x

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If im right - please check - but from 11th sept 2008 (next month) this becomes statue barred under the 6 year rule.

Have a search for statue barred debts you might get lucky!

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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All I sent off for a SAR for an overdraft debt on an old debt with halifax plc. The debt has been passed to several DCAs since it originated in 2002 but although I havent made any payments I did unfortunately acknowledge the debt in writing in 2005 so cannot go down the statute barred route {already tried this and failed}

 

I simply cannot afford to repay this overdraft {£800} as I am no longer able to worth through ill health. Im not particularly interested in claiming bank charges back for myself but had hoped maybe if I took that route then the debt could be cleared using any unlawful charges.

 

Anyhow I received the SAR details which is basicallly 10 years of bank statements, having sifted through them Im puzzled that not anywhere is a single bank charge detailed - that was not the case,had many but how would i prove that so many years later??

 

My account went into an unauthorised overdraft due to debit card payments being authorised when they basically shouldnt have been, that alone trigerred charges, but as I say non are showing.

 

Also the previous statements used to show what if any overdraft was set up on each account in the header / balance summary section at the top of each statement, there is NO information on there to suggest I even had an agreed overdraft.

 

I stopped using the account in April 2002 due to the charges and interest etc, I made a payment of £10 in September 2002 but nothing since, the account was defaulted by Halifax december 2002. The statements however show 3 transactions made in 2003 detailed as "credit transfers" two of these were for £9 and the last final transaction for £4 {26/06/03}. I did not make these transactions in 2003 and didnt have any other accounts with halifax where they could have taken the money from.

 

Im really confused as to where to go from here and what to do, I simply want to try and get the above overdraft written off or repaid from any of the bank charges I did incurr yet arent showing??????

 

Help ?? x

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Hiya

 

I'll try and keep this as brief as possible. Im being chased by a DCA for an overdraft debt {halifax}

 

The account went into debt in april 2002 and the last payment i made towards the debt was in sept 2002, the bank issued a default in dec 2002.

 

I tried to use the statue barred letter but the dca was able to produce a letter i had sent in 2005 to a previous dca acknowleding the debt and asking for it to be written off due to financial hardship.

 

It was then suggested i send a SAR - I did this and they sent me a list of transactions only not any details of charges. Looking at the transactions, there are 4 credit adjustments applied to the account in 2003 for £9 each, i did not do these transactions as i had stopped using the account and banking / saving etc with the bank in 2002.

 

I ve sent off another letter requesting that they send me full details of the charges etc to comply with the SAR.

 

My goal is to get this debt written off some how {if poss}, im unsure if the SAR route is the best for me as from what i have read I can only claim bank charges dating back 6 years and i have just passed this deadline so wont have anything to claim back........ if that makes sense.

 

I just dont know what to do from here

Any suggestions? x

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  • 3 weeks later...

Hi

 

I had an overdraft with HFX which went into arrears April 2002, i tried to make some repayments until Sept 2002 but since then havent repaid anything. The total amount owing is just over £800.

 

HFX issued a default notice dec 2002 and have since sold debt on. In 2005 I acknowledged debt in writing to a DCA explaining my inability to repay and requesting that debt was written off. Its since been passed to another DCA so I tried a statute barred letter a few months back butthey were able to provide me with a copy of the letter I had written to the previous DCA in 2005. It was suggested on this site that I S.A.R - (Subject Access Request) the halifax and look at the charges on my account.

 

I did this and received a copy of bank statements only for a 10 year period, the statements however did not detail any charges which is incorrect, I had asked for charges, interest and manual interventions to be supplied to me in my initial S.A.R - (Subject Access Request) request. I wrote back to HFX re this missing info and asked them to supply me with the information and reminded them of the amount of days they had left to comply.

 

The 40 days is up on Monday and as yet I havent heard back from them, if I dont and we move past the 40 day period - what should my next course of action be? My main objective is to make myself no longer liable for the outstanding debt and for the matter to be closed - not looking for finacial gain/reimbursement for myself.

 

Im completely new to this so could do with some advice / guidance if poss please.

 

Thanks x

Edited by masjntt
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Hi, first time we have met up I think. Sorry to hear about problems you are having.

 

Lets get it sorted and point you in right direction. They are in breach of their requirement re S.A.R - (Subject Access Request) and data protection on day 41. I would not bother chasing them up.

 

Remembering golden rule, everything in writing. Make a complaint to Information Commission. Here are the details

 

This covers your rights

 

The Data Protection Act (DPA) 1998, data protection policy - ICO

 

 

this link gives details of how to make a complaint and the complaint form is available there too.

 

Complaints about data protection policy - ICO

 

This gives further information

 

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/dp_how_to_complain_final.pdf

 

Good luck and please keep us posted. Ask if you need further assistance.

Edited by kennythecelt
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Thank you Kenny for ur advice and links etc, I was getting a bit confused with all the available info etc and had thought my next step would had been to send a Letter Before Action / LBA rather than complain to the Information Commission so Im glad you answered my post x

 

Will continue to pursue this in writing only, thanks again for your help and will update this thread accordingly

 

Have a good weekend x

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