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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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Removal of a default notice applied by HSBC


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Correct...but normally you are sent initial warning that it will be recalled and are offered the opportunity to make proposals for repayment...this is usually 14 days..if you make no response a Notice served under Sections 76(1) and 98(1) of the CCA1974....once this is issued you then have a further 14 days to make payment

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Thank you.

 

So they were not at all accurate in stating they'd fulfilled their obligations under the CCA 1974? They should have sent notices under Sections 76 (1) and 98 (1) and given me more of an opportunity to come to an agreement with them?

 

I'm aware the "Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies", states that

 

"The lender must have notified you of their intention to register a default against you at least 28 days before doing so, in order to give you time to make an acceptable payment or reach an agreement with them on an arrangement. "

 

It also states

 

"If an arrangement is agreed (see Principle 3 above), a default would not normally be registered unless the terms of that arrangement are broken. "

 

So as the bank had agreed to my repayments it should not have subsequently registered a default?

 

I'll check the paperwork but I don't recall any mention of Sections 76 (1) and 98 (1)

 

I've noticed that there appears to be later versions of the CCA (2006?) Why is it that they don't appear to have replaced the 1974 version?

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CCA2006 was only amendments to CCA1974.

NW OD Recall.jpg

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Many thanks for your response. Really helpful.

 

I'm not clear on the relationship between the CCA and the guidelines on filing defaults ("Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies"). Do both apply in the case of registering a default against overdraft arrears?

 

Should this situation also be covered by the FCAs Consumer Credit Sourcebook which includes the following in CONC 7 : Arrears, default and recovery(including repossessions)

 

Section 7.3 : Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

 

 

7.3.6 - Where a customer is in default or in arrears difficulties, a firm should allow the customer reasonable time and opportunity to repay the debt

 

7.3.8 - An example of where a firm is likely to contravene Principle 6 and ■ CONC 7.3.4 R is where the firm does not allow for alternative, affordable payment amounts to repay the debt 7.3.8FCA due in full, where the customer is in default or arrears difficulties and the customer makes a reasonable proposal for repaying the debt or a debt counsellor or another person acting on the customer's behalf makes such a proposal.

 

7.3.9 - A firm must not operate a policy of refusing to negotiate with a customer who is developing a repayment plan

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We could do with some help from you.

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I'm exploring other avenues to resolve this now including BCOBS for which there seems to be very little guidance available. Is this an effective route?

 

I'm also aware of the following but not sure how they all fit together in the context of my situation.

 

The guidelines on filing defaults ("Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies"). Do both apply in the case of registering a default against overdraft arrears?

 

 

Should this situation also be covered by the FCAs consumer credit Sourcebook which includes the following in CONC 7 : Arrears, default and recovery(including repossessions)

 

 

Section 7.3 : Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

 

 

7.3.6 - Where a customer is in default or in arrears difficulties, a firm should allow the customer reasonable time and opportunity to repay the debt

 

 

7.3.8 - An example of where a firm is likely to contravene Principle 6 and ■ CONC 7.3.4 R is where the firm does not allow for alternative, affordable payment amounts to repay the debt 7.3.8 FCA due in full, where the customer is in default or arrears difficulties and the customer makes a reasonable proposal for repaying the debt or a debt counsellor or another person acting on the customer's behalf makes such a proposal.

 

 

7.3.9 - A firm must not operate a policy of refusing to negotiate with a customer who is developing a repayment plan

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Threads merged and moved back to HSBC Forum.

 

Well all the above are applicable...but lets run this back you did actually default or failed to service the overdraft for whatever reason and therefore the creditor must register any default as per the ICO guidlines and Credit Agency reporting.If you had settled the amount in full in time before the expiry of the notice then you have case.

 

If they did not serve the effective Default/Demand properly...you have a case.

 

Making a lump sum and further payments.....was not clearing the default by the statuary time stated...no case.

 

Asking them to not register a default and you will make various payments.......no case.

 

Registering the default later than the actual default /demand time imposed...possibly a case...but you wont remove the default it would simply be adjusted by date.

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I believe the following details in the Final Demand are incorrect

 

The Default Notice referred to was never sent (It has never been provided in any SAR response) - This was deeply confusing.

 

I understand that a Notice served under Sections 76(1) and 98(1) of the CCA1974 must be issued, but is this one? Other examples I've seen clearly state what they are and include reference to Sections 76(1) and 98(1) of the CCA1974 in the header.

 

The Final Demand letter provided 18 days of notice for full repayment or an arrangement. The 'Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies' guidelines which I believe apply, and they are obliged to follow, state 28 days notice is required.

 

The 'Help is available' section of the letter states they would try to work with me to come to an arrangement. They refused to. Subsequent correspondence on this point from HSBC stated only a full repayment would have been satisfactory. This completely contradicts what the Final Notice letter said and is the cause of the issuing of the default.

 

Further thoughts on this greatly appreciated.

hsbc-final-demand-letter-1.jpg

hsbc-final-demand-letter-2.jpg

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