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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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Erudio deferral delays intentional? Not responding


Jhgf
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How long did it take for them to process your deferment paperwork?

Erudio not processing deferral paperwork on time - **RESOLVED ERUDIO ADMITTED MISTAKE** - Student loans/SLC - Consumer Action Group

I’m still waiting for mine.

Account showing arrears.

Should have deferred me on 19 May.

I submitted my paperwork electronically via portal on 5 April.  

Not taken anything yet, but I have a new collection date of 10 June. 

any answers appreciated 

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I’m still waiting for them to process my deferment paperwork. 

Account showing arrears.

Should have deferred me on 19 May.

 

I submitted my paperwork electronically  via portal on 5 April.  

Not taken anything yet, but I have a new collection date of 10 June. 

 

any answers appreciated .

 

Curious that this is happening on 25th anniversary of first loan.

Never previously had problems deferring.

I’m well below the threshold. 

Edited by dx100uk
block of text spaced to paragraphs
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  • dx100uk changed the title to Erudio deferral delays intentional? Not responding

so you've previously given erudio DD details etc or a card number?

 

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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Thanks for replying.

All details are on the portal.

Completed deferment form, bank and contact details etc.

 I uploaded a P60 as evidence after filling in deferment form via portal. .

should have everything they need. 

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On 19/05/2022 at 17:41, dx100uk said:

so you've previously given erudio DD details etc or a card number?

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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Yes, and it’s clearly evident in online portal as I said and evident in my bank under direct debits ( although not currently active)

Edited by Jhgf
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then go and cancel the DD on your banks online webportal now.

that part of their deferment form was ruled unlawful by the FCA/FOS way back in 2013 and the dd should have been cancelled/removed by them then

you got had.

as you have by using their forms anyway

 

if you read a good few threads here in the forum you started yours in

you will see we recommend using the old SLC form.

 

 

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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They haven’t taken any money yet, despite the arrears showing.

Cancelling my DD is not advisable.

That will just muddy the issue.

I’d rather let them take it and than deal with them, rather than putting myself in default ( whether it’s due to their oversight or not).

Thanks,

but I think I’ll try and contact directly. and then ombudsman

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wrong! on every count.

you'll never get that moneyback if they do and it will prevent/null any chance of write off.

 

they are a DCA, never ever trust a dca!!

 

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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Don't mind if I jump in! :)

 

Jhgf - just to re-iterate a previous comment from dx, don't overlook this statement "..that part of their deferment form was ruled unlawful by the FCA/FOS way back in 2013 and the dd should have been cancelled/removed by them..." I added the emphasis

 

You should cancel the DD, follow the advice and read some other threads, otherwise ask yourself why are you on CAG?

TAKE CONTROL! don't trust DCA's

 

Good luck I'll just get back under my rock

Edited by Badtimes123
because I'm never happy with my first posts it seems..

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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Essential Reading: Dealing with Customer Service

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My deferment is on record with their portal.

I’ve received no reply.

I have a chain of evidence.

Any  payment ( if indeed it is taken….it hasn’t been yet) will be unlawful.

As I’ve said they’ve taken no money and although they’ve detailed arrears the next contractual amount to be taken on 10/06 is still currently 0.0 pounds.

I’m guessing delays are causing some bottleneck with paper work.  

As I understand it you are obliged to provide DD details?  

Mine have not changed since original loan.

I’m not going to cancel DD at this point.

I’ll prove the error is theirs.

Easy in my case, with a robust volume of evidence.  

As I said will not muddy waters at this point until I’ve heard back vis a vis deferment.

They’re not going to nullify my 25 year write off.  

But thanks again for your input.

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I respect your conviction - keep us posted please!

 

BT

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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

 

Essential Reading: Dealing with Customer Service

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21 minutes ago, Jhgf said:

As I understand it you are obliged to provide DD details?  

 

no originally you never were to the SLC, the debt buyer erudio (Arrows DCA) unlawfully added that in to their deferment forms (along with numerous other unlawful requirements to defer) when they purchased the remaining old style loans not already sold off to Thesis (Link another DCA) .

 

they were subsequently taken over the coals for reportedly taken some £100'000 out of peoples bank accounts that they mostly never paid back after claiming a whole host of very dodgy reasons why they refused deferment or made up fake reasons to create arrears and take payments.

 

the whole story is here.

 

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 may have given permission at some point.  🤷‍♂️

Erudio took over some time ago now and I’ve had a fair bit of correspondence from them..

Either way it won’t really resolve this current issue. 

Deferment and my right to defer will still have to be dealt with.

I’ve had no problems up to this point.

I think better to deal as is rather than cancel DD ( rightly or not) and give them reasons to imply I deliberately opted for default.

Plus I can’t be asked to deal with debt collectors ( rightly or not appointed ) turning up like a bad penny trying to squeeze me for money I don’t owe them.

I’d rather deal with it, even if it is on their terms.

I think The clarity of their wrong doing is more easily exposed this way.

But again, thanks for taking the time to reply. 

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you seem to be very very green and rather radicalised by these DCA's into believing the rubbish they put they put out.

the owner of your debt IS a DCA, in sheeps clothing, 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on any debt - no matter what it's type.

i'm not sure where you got the idea a dca can just send someone to your door and demand money , they can't and are totally powerless anyway if they ever did.

please be careful what you are believing and accepting as reliable advice moving forward on this and any 'debt' you might have .

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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14 minutes ago, Jhgf said:

I may have given permission at some point.  🤷‍♂️

just to clarify, under the terms of your loan, that your loan that you signed atthe time of take out..there is NO requirement to ever do so.

if you latterly did to erudio by blindly filling out one of their early deferment forms that had it in, that has been reseeded and cannot be enforced or held against you .

 

please be very careful not dismissive .

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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:rockon:

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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Not sure why I'm still here actually :D but I'll try one more time:

 

You didn't even know if you were obliged regarding DD - you had to ask if you were! you were told you were not, in fact FAR from it..

 

DX = 16 years vet, 155k posts, unpaid volunteer with experience in this topic and nothing to gain from advising you

DCA's = famous for coercing, lying and stealing with everything to gain from you

Cancelling the DD and awaiting correspondence = zero risk

Not cancelling the DD and hoping they don't money grab = Some risk, not zero!

 

So you'll 'prove they are wrong' with your 'robust evidence' - may I ask who you plan to show this evidence to in order to prove they are wrong? because they won't care what you have to say, you know that right?

CAG advice is free

Cancelling the DD is free

Litigation is not free

 

I hope all this will turn out to be unneeded I do, but I thought it worth me typing a few more words so hopefully you'll ask yourself why you want to take any unnecessary risk..

Edited by Badtimes123
typos... naturally :D

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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

 

Essential Reading: Dealing with Customer Service

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Cheers,

if they don’t play ball perhaps I’ll cancel DD.

Out a few hundred quid.

Same position.

Used ombudsman ( free) lots of times for insurance companies, contractors etc.

Won each time.

I’m all good here 👍

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as the FOS globally ruled and issued directives against Erudio and the unlawful changes to their version of the SLC loan deferment forms, you should be safe should the worst happen. 

 

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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Went down the old complaint route.

They’re legally obliged ( FSA) to resolve it within three days or provide you with written confirmation by post.

If not resolved after certain amount  of time you can avail yourself of Ombudsman.

They’re also legally obliged to retain the information you provided to them.

A sternly worded but polite complaint outlining my situation seems to have done the trick.

Two business days later, account deferred and arrears removed. Roll on September. 25 year anniversary.

have a good one 

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