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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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Self Managed DMP Help Needed Please


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Hi

 

I have just started my self managed DMP using NEDCAB which I have to say I have found really helpful.

 

I am using their templates and sent the first letter advising my financial circumstances have changed and they all replied quite quickly and put my accounts on hold for 30 days.

 

I have literally just posted the second letter which consists of my new monthly payments offers to each lender so that is where I am up to.

 

What I would like to know is below as there seems to be varying information all over the Internet but on this site I have found people to be friendly and helpful and most importantly supportive to each other and that’s why I have joined.

 

1) If a lender accepts my offer so I just keep paying the amount unless my circumstances change and I can increase the payments?

 

2) If they do not accept my offer so I pay the amount anyway to show I am trying?

 

3) I have used the CAB expenditure form so everyone has exactly the same information to look at as some lenders sent me their own and they were so complicated.

 

4) A couple of the lenders asked for wage slips and bank statements which CAB advised not to send as some lenders have been known to use them to add more pressure? I have nothing to hide so I followed CAB advice for now as I figured I can always provide them at a later date.

 

5) Lastly from all of your experiences what’s likely to happen next? I have read horror stories that people have posted in other sites and it’s taken me a while to man up so to speak and do this but now I have I already feel slightly better.........

 

Looking forward to hearing from you x

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how old are your debts?

 

please list them

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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Hi

 

Barclaycard I took out the card in 1999

Barclays personal loan 2016

Creation personal loan 2015

Progessive Money personal loan 2016

Tesco personal loan 2014

Sainsburys personal loan 2014

 

All have been fully paid until July. Never missed anything ever before so it’s all new to me.

I have had to give up work as our eldest child is sadly not very well at all and we are down to one income which we can pay all the essential bills out of and have some to spare for sharing out to the above.

 

Ideally I would like to return to work but family literally has to come first.

 

Thank you

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I was going to suggest a CCA request to each

but as most are very recent not much point

but I WOULD send one to BC [they'll never get one for a 1999 credit card!!

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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as for the overall picture

yes each should get a pro rata offer

and no none have any right to see any pers finantial details like wages etc only a judge can demand those.

 

if you look in our debt collection section of the library

there are similar letters to nedcab I expect bar one.

 

we hold a letter that says something like

well you refused my offer now all you'll get is £1 till I die

you'll see it

i'd be sending that to those that will not agree to your plan

 

its YOUR MONEY take control of it..not let them do it.

 

most will sell your debt on to powerless DCA's within a year now anyway I expect.

then you CAN send each a CCA request regardless!!

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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go click the link and read it

 

put them to strict proof they hold the signed agreement [and for that era they wont!!]

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 that. I have just send in offer letter have I shot myself in the foot by doing so? I did not know about CCA! I will need some help no doubt later as I will not know what I need for it to be enforceable or not. I will do some research is there more help on here? X

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well no you've not shot yourself in the foot

CCA request can be done at anytime.

 

as for the offers you've made well as I said they are all recent bar BC

 

click this forums homepage and read a few threads here

 

all will be revealled

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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until its confirmed un-en pay what you said

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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Hello

 

Quick update and need some advice!

 

Sainsburys have accepted the proposed new payment and said if I continue to pay new amount there will be no issues so that is great.

Edited by dx100uk
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Hi

 

 

I am merely offering my experience. There is no single right answer in what is a shifting game. I started with National debt line charity who were supportive and helpful. I found that token payments of £1 were useful as an indication of good intent but extremely unhelpful because your credit file will continue for 6 years beyond your last £1. Even those who accepted the token (and about half of the bandits did not) quickly sold the debt on. So, my advice is to cease the £1 tokens at the point at which it is sold/assigned on or if they fail to enter a truthful default date on the credit file entry (Barclays are particularly nasty). Dx is dead right about not providing the enemy with ammunition.

 

 

 

Bonne chance et bon courage.

 

 

Love

 

 

Vic

 

 

xx

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well if your credit file is not defaulted yes but if it is

the whole account vanishes on the defaults 6th birthday.

 

I think you mean keeping the statute barred date at bay rather than things being on your creditfile

 

good post mind..

shows you what can be done

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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Hi Vic!

 

Thanks for your reply I have offered reduced payments not a £1 token but I am guessing I will be treat the same as you...... some will accept and some will not!? So do I hope the default me? I have read so many different things.... I always thought defaults brought big trouble to the door? I am totally uneducated I’m these things..... hence why I joined xxxx

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Hi dx

 

 

I hate to dissent with an old soldier yet sometimes babes bring forth wisdom.

BARCLAYS for Other

 

 

 

Searched on 29 June 2018

 

 

 

is a ClearScore entry prior to it dropping of as a credit entry; they refused to enter a true default date, claiming that so long a s I admitted £1 per month, the account was active.

 

 

Both National Debt Line and yourself implied that a token £1 payment had about the same value as Woodey Allen's 'don't knock the Bishop, it's sex with someone I love'.

 

 

xxx

 

 

vic

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Hi FF

 

 

Whatever you do will affect your credit raitng for at least six years; how you do it might affect it for ever. Should you think that reduced payments and a freeze on interest of 25%+ and charges might enable you satisfy their bloodlust, then it might be a rational course of interest But beware of the snare.

 

 

xxx

 

 

v

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Hi FF

 

Context is everything.

 

We used to say that we do not condone debt avoidance.

After Sir Fred the shed kept his 100mill our message became nuanced.

 

With regard to wish to F &F, I return to my point that everything, short of full blood and guts, stays with you for six years.

 

I started with 55k ish and lost my job in the great crash; and my only regret is that I did a 1k F&F with MK.. (which I admit dx advised against); the rest is history, ... you pays your money, you takes your choice.

 

xxx

 

v

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Sorry I do not understand your reply.....

 

If I do not pay lower payments they will give me a CCJ which i do not want.....

 

If I settle f and f I would be rid of the debt..... why do you regret doing that?

 

It’s 6 years whatever I do?

 

I can’t not pay...... the debts will not disappear xxx

Edited by dx100uk
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Hi FF

 

 

I go back to context. I was not in a position to pay. If you are then it is a simple negotiation of T &C. You will only get a CCJ if you refuse to make a reasonable offer based on bandits excluding slave interest rates plus chrages.

 

 

 

If you are not I can see little point in paying anything to anybody.

 

 

xxx

 

 

v

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The oc [original creditor] wont ever do court..they'll sell it on.

 

If a creditor doesnt accept your 1st offer and refuses to freeze int+charges then you send the 2 nd letter £1 till i die.

 

I sometimes wonder if its better to just stop, get the debt defaulted, then negotiate low payment and try f&f.

That way atleast you know it will not be on your file in 6yrs whatever you do.

 

Dont confuse defaulted date with sb date..totally diff things.

 

Each debt is diff which is why its best to have a sep thread for each once paperwork starts to land

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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