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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/Mortimer Claimform - old HSBC DEbt


007
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you wont get a letter regarding it's stayed

you already have it on that letter

cabot exceeded 28day by a long shot.

 

nothing for you to complain about

 

750'000 speculative claimforms are sent out every year

85% ignore them or wet themselves or go into blind panic but whatever the reason is , the claim is not defended= default non contested judgement where by NOTHING is check and no human plays any part.

 

you defended the claim.

the claim is stayed..end of.

 

you making contact because of that earlier CCJ is irrelevent

 

 

 

 

 

  • Thanks 1

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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you making contact because of that earlier CCJ is irrelevent

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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Yes we know all about DCAs and their practices...thats was why the Consumer Action Group was created.

 

Andy

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi 007,

I have used this site now for a number of years and I can honestly say I would not have coped without them.

 

I had the most awful dept problems, I had been advised to go bankrupt.

I would have lost everything, my house, my job, my health and probably my marriage.

 

I stumbled across this site by chance and never looked back

. I am now almost dedt free and have an excellent credit rating and still own my house and my marriage is going OK :-) 

 

Please take DX's and Andy's advice, they are experts and their knowledge about helping folk like us in debt is second to none.

Trust them and follow their guidance and you'll get through this.

Take care,

Fred.

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  • 4 months later...

 

Today a letter has arrived with a statement from another debt, the mortimer clarke company are saying this is from an old hsbc debt from the mid 90's. It is not from that debt as i never had any contact or agreement with hsbc

 

,i am going to wait until this stay on the ccj is re opened so i can ask for the original documentation from the HSBC so i can prove cabot and mortimer clark are trying to get me a ccj from a non exhistent debt from the mid 90's

They are trying to get me a ccj for a debt from the 90's so they can then try to add a newer 2000's debt to it.

 

Is this common practice from these snakes?

 

The actual statement is from a completely diferent debt and has been edited to look like the hsbc debt.

 

Or are they simply trying it on yet again?

 

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Can you scan redact and upload.....lets have a look at their fancy PS work.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I Ripped it up and binned it in a rage after i called the county court.

The stay has not been lifted, the help desk said that she could not comment or give legal advice.

I asked if copies were excepted and got told it is down to them to prove this is the debt they have tried to ccj me with.

 

I regretted ripping it up  straight away, but i will upload the next one or go down to the bin and try to fix it.

It was a copy of a bank statement from my account but they have removed the reference to the newer debt, and stated that this is the HSBC debt, and it is not statute barred because i had paid less than 6 years back.

 

It is not and never have i been court ir in contact with the hsbc in over 20 years.

 

11 minutes ago, Andyorch said:

Can you scan redact and upload.....lets have a look at their fancy PS work.

 

ow.This is blatant BS from these people.

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can I guess this 'other' debt is also an HSBC one?

 

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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8 minutes ago, dx100uk said:

can I guess this 'other' debt is also an HSBC one?

 

dx

 

Nope

 

To add It is not even a statement from my bank account.It is fake.what i meant was they have said it is a statement from my account.

 

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ok good.

can we get your ducks inline so we can understand what is going on?

 

do mind answering a few simple questions please?

 

then we'll be able to clarify things??

 

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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Sorry i have binned them all.

This is todays bs letter, i cannot even start to put it bk together.

 

Anything that comes after this i will upload.

Is this what they do?

Buy much older debts then try to amalgamate them through the county courts?

 

They will not receive one penny from me i will gladly let any one take my stuff as it is all worthless trash.

These debts are years ago.

 

@dx100uk Fire away mate

ripped up statements.pdf

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Try not to rip anything else up..its evidence you can use against them.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hindsite mate ,i suffer from mental health problems it ruins my life, but i am trying

but this company have obviously read this on here and so feel they might eventually get some kind of payment in the constant nonsense they send through.

I am moving soon so it may ease for a while longer...

 

Will they put these letter to the courts so i can prove they are not for the hsbc debt?, as on my bank account the statements from that period they are completely diferent and with the original debt of the actual real "expired ccj"!

 

Not the HSBC, I did have an agreement with cabot to another debt that i stopped paying many years back.

I don't know how to explain it any better..

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it appears many years ago sainsbury got a CCJ against you, that debt with the CCJ was subsequently then sold to Cabot, but 6yrs had expired, so there was nothing cabot could do about. 

 

you latterly received another claimform from cabot regarding an HSBC debt, you defended that and they allowed the claim to be stayed which to date remains that way?

 

can you confirm/answer, simply, the two questions above, then we'll move you fwd 

 

thank you

  • Like 1

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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There is no relevence to the ccj debt as it has expired years ago ?

the HSBC account was last active in 1993.

I have had no agreement with the cabot team for any HSBC debt ever.

 

Cabot are using the ccj debt that i had entered into an agreement to pay £1 a month many years ago,

they are telling the courts that this is the hsbc agreement when quite obviously in my own bank account the reference is to a comlletely diferent debt it is not HSBC.

 

I do not see any questions?

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3 minutes ago, 007 said:

Cabot are using the ccj debt that i had entered into an agreement to pay £1 a month many years ago,

 

what CCJ debt for what and when?

 

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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I had a ccj from another company many years ago.

I will look into my credit file to see if it is still on the closed bit later.

 

It is not HSBC i repeat i have never had any contact with HSBC since the early to mid 90s .

Why is an old dead ccj from ten years ago relevent to this?

 

Cabot are saying that because i set up a payment offer for the dead ccj that it is for the statements are for hsbc account.

They are falsifying statements.

 

This is starting to stress my head in.

 

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starting to do our head in too mate..

 

 

when was this CCJ attained the date please?

what was it for please??

who got it??

when did you start paying Cabot on it?

 

please simply answer my question not keep harking on about HSBC and old CCJ's and being ripped of and how unfair it all is.

 

just answer the question above

and well sort things out

but we need our questions answered so we can get you to understand how to deal with this situation.

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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It was 10 years ago.

It has nothing what so ever to do with this old HSBC DEBT

Thank for the previous help but i am now sick to death of repeating myself.

 

I actually suspect that you are in fact cabot.

If you cannot undetstand that 

 

PLEASE DELETE MY ACCOUNT

 

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we'll the CCJ obv does have some relevance as you keep referring to cabot using that to claim the payments you made to it, somehow are related to why they are after money now and have sent statements for some HSBC debt they claim you have with them and have paid against.

 

no good running away again...

you made these accusations before on your other thread..

let CAG help you

 

 

but no..we don't delete CAG accounts

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 the claim is currently stayed I personally wouldn't worry about it......put it on the back burner until such time they make application to lift the stay and proceed///then come back here for further advice.

 

Andy

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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The debt firm has lied that the bank statement is for a debt from the HSBC !

It is not true.What do you not understand in that?

 

Can you not comprehend that Cabot are trying to say that i entered into a repayment agreement for the HSBC

Which has never happened?

 

It has no link to any other debt other than they have failed to collect on a ccj debt that was from 12-13 years ago.

With another big bank.

 

The accusation is the truth, the statement they have edited and sent me this week has a reference for another debt on my actual bank account and not the HSBC in which they are trying to ccj me with.

 

Will they be forced by the court  to show the original or will the courts simply take this false statement?

That is all i want to know.

 

 

23 minutes ago, Andyorch said:

As the claim is currently stayed I personally wouldn't worry about it......put it on the back burner until such time they make application to lift the stay and proceed///then come back here for further advice.

 

Andy

Thank you that is what i intended to do.

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so yes full circle back to what was stated last December - the claim is stayed.

 

let the wave their arms around and claim the bogroll they sent is relevant and they can now request to lift the stay by sending an N244 to the court.

the debt was already statute barred when they sent you the claimform and you filed our statute barred defence .

 

if you ever get 5 mins, find the claimform they sent

and type out the particulars of claim box wording for us.

 

then we'll have all the claim facts and will know what to advise.

 

 

  • Thanks 1

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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  • dx100uk changed the title to Cabot/Mortimer Claimform - old HSBC DEbt
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