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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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NatWest/Incasso claimform - business OD + Business Loan


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Thank you Andy, will keep you posted.

 

Dont suppose you could help me with my "Barclays just sold my debt" post as well????????

 

It never rains but it pours and I've even a post that Martin was looking at for me on PM (I emailed him a document direct (he agreed to this) as I didnt want it being publically available re British Gas but hes not responding)??????

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I have subbed to that thread Orchid ,will ask Martin to contact you.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy,

I've got another question:

The AoS form needs to be returned by the 4th of Sept, but if I'm sending recorded letters today, the chances are that I won't have received the information that I need before the 4th Sept.

The AoS form has 3 options;

1. I intend to defend all of this claim

2. I intend to defend part of this claim

3. I intend to contest jurisdiction

 

Which option do I go for without the information?

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Only you know the details and history of the accounts Orchid if you think you have a valid defence then defend all if not admit and propose a payment plan.

 

3. is not applicable.

 

You have 14 days after AoS to enter your plea you are just acknowledging for now.

We could do with some help from you.

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The sale of a debt from the original creditor to a a DCA/Buyer assignor to the assignee.If your debt is with Incasso then its still with the OC and not been assigned.

We could do with some help from you.

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No Orchid you have a further 14 days if you are defending.

 

Regards

 

Andy

We could do with some help from you.

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Have you in fact changed the style of your signature?

You had no need to ''fake'' signature on a SAR, NatWest

have for once acted correctly by not complying with the

request with this signature so you will need now to provide

your usual signature.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Please can someone help urgently.

 

Went into Natwest bank a week ago last Monday and confirmed signature. In the meantime AOS was submitted on the 4th Sptember expecting to have received the SAR docs back from Natwest. These still have not arrived as they said they would not send the until the signature was confirmed and nothing has arrived in the post this morning.

 

I think the deadlne for responding to the AOS is today to file the defence?

 

How can I do this without the paperwork?

 

What should I do? Should I ring the court?

 

Thank you

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Calm down Orchid Defence is due Wed 19th September.

 

Regards

 

Andy

We could do with some help from you.

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Date of issue 17th August + 5 days for service = 22nd August + 14 days to acknowledge (this can be done online) 5th September + 14 days to submit defence = 19th September.

 

So its this Wed Orchid ... not a problem.

 

Regards

 

Andy

We could do with some help from you.

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Orchid the defence date was wrong I am just posting this to trigger an email conformation that your defence is due tomorrow.Please respond ASAP.

 

Regards

 

Andy

We could do with some help from you.

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Hi Orchid

 

Defence needs to be in tomorrow by 16.00hrs. Andy usually looks in on here late evenings during the week so check for any new posts.

 

I believe it would help if you could satisfy yourself that they are def both business accounts, whether they were operated solely as business accounts and whether any/either named account holders were individuals or business names. Also check your records to confirm whether you or your OH provided any personal guarantees on either or both accounts.

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Hi Orchid

 

No problem in PMing me that's what we are here for. There is nothing wrong in amalgamating 2 debts except that their pleadings will become rather complex and difficult to explain as would your particularised defence in responding to 2 debts with 2 set of T&Cs.

However as you are still not in possession of the paperwork relied upon within the claim then you have no alternative but to submit a holding defence merely as to to stop judgment by default (ie no default entered in time).

You need the paperwork to substantiate the amount claimed and question the level of interest accrued to said claim.

 

I will post a short holding defence which you may use and edit if needed shortly.

 

Regards

 

Andy.

 

I will post this response also on your thread.

We could do with some help from you.

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Defence

 

1. Paragraph 1 is nether admitted or denied with regards to the Defendant entering in to an Agreement referred to in the Particulars of Claim ('the Agreement') the Claimant has yet to disclose any Agreement.

 

2. Paragraph 2 is noted with regards to termination of the alleged contractual Agreement , the Defendant has no knowledge, therefore the Claimant is placed to strict proof there of.

 

3. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

4.The defendant has requested in writing for disclosure pursuant to CPR 31.14. The claimant has so far failed to comply with this request.

 

5.The defendant has requested in writing for disclosure pursuant to the consumer credit act 1974.(only if applicable)

 

6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

Edit to suit and submit vis a MCOL (print your receipt as proof of input)

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Looks like solicitors for hire.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Maybe its a bad debt. There could be a whole host of reasons, however, we know nothing about the debt/accounts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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