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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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May need some help to start off with, am helping my daughter claim back her charges and am not familiar with HSBC. I have just successfully claimed back 5,500 from Halifax. First step is the right address to send off SAR, any help much appreciated.

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you can get them on-line if you have on-line banking - can get statements going back six years - or others have said just going in and asking nicely, they will get them for you. personally, i wrote my branch asking for the info and got them in batches (big batches) within about 2 weeks - wrote to the guy who sent them to say thank you and received another lot of six years worth - postie must have hated me.

i, too, was doing it for my child (the 24 yr old with questionable money skills). this is the place to ask for any hsbc related issues - i now take great pleasure in helping others get there - for your reference - mine was 4 months, first letter to money in bank. good luck, moms united!!!!!!!!

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Help needed in regard to this bank account, my daughter has not really used the account much lately since leaving the army, has been working in a bar and paid cash weekly. She has been £40 overdrawn and checked her account a couple of weeks ago as she wanted to pay the overdraft off and her card got swallowed. She has now started a new job and her wages are paid weekly into her account, so overdraft is paid off and it left her with over £100 in account, today she went to bank with cheque book, photo identity and 2 letters with addresses on, she was told she was only allowed to draw out £10. She got very upset as she needed money for the week for petrol etc and some bills but they have flatly refused to give her any more saying she will have to use her cheque book to pay bills. Any help greatly appreciated.

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This sounds slightly draconian. What reason did they give? or when and under what circumstances they would allow normal access?

 

Has you daughter got another bank a/c that wages could be paid into?

If she hasn't see here:

Do you need a parachute account?

although obviously this will take time to set up.

 

In the meantime, any friends/relatives who would cash a cheque for her?

 

Sorry I cant be of more help.

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Thanks Michael, you are always a good bet for info. Apparently they are not going to give her a new debit card until they see 3 months of wages paid into account. I'm not really sure of the absolute reason they gave, I think they took her by surprise and when you don't know your rights it can be very off-putting, bank staff can be quite self-righteous when they want to be. She has obviously hit the usual problems with her account like all of us asking for our charges back but nothing more. She can write me a cheque and I'll put it through my account if I need to, it's just the principle.

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just to update - daughter went into bank this morning with new cheque-book that she received this morning and ID. Went to counter and asked for balance and then wrote cheque to 'cash' and withdrew all but £2 of her funds in the account. No explanation was given by bank staff and no ID was required either, I

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just to update - daughter went into bank this morning with new cheque-book that she received this morning and ID. Went to counter and asked for balance and then wrote cheque to 'cash' and withdrew all but £2 of her funds in the account. No explanation was given by bank staff and no ID was required either, I had rung their customer relations this morning

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hit reply button by mistake -

I had rung customer relations this morning and they were most unhelpful - anyway bottom line is she is going to open a new account elsewhere.

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  • 2 weeks later...

My daughter has just received first letter from HSBC in reply to SAR all seems very standard and they have sent the £10 cheque back. Just have to twiddle thumbs now till statements get here, does anyone know how long they usually take after receiving reply re: SAR request.

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Hi, ive noticed you have been having problems with HSBC. From checking online statements, i found out they charged me £25 for being roughly £40 over limit for a period over a month. Just to add to that, i thought i would check my statement today and found out that at the beginning of February, they are going to charge me a further £64 plus interest. Its unbelievable - i have been with them for over 3 years and i have majorally reduced my overdraft in that time. Do they not understand customer loyalty. I am just beginning to reclaim my money back.

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Well am not familiar with HSBC as this claim is for my daughter's bank account (have finished my claim with halifax) but used the address given on page 1 to send off SAR. Honestly this bank is quite awful, because my daughters card was swallowed and her account has not been in use for the last year they have refused her a new card till they see 3 months worth of wages go in. She went into town to draw money out of saturday only to be told the counters do not open, so she had literally 6p in her pocket and they said there was nothing they could do, come back monday, she pointed out she works monday to friday but they really didn't want to know, she is now opening an account with nat west. How far have you got with your claim, as you can see we are awaiting statements.

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