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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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Wording Re: Interest in Initial Letter?


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Keep eyes wide open and wish me luck.
Forget that - why isn't my tea on the table woman?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If he doesn't want his tea now, can I have it?
I had to make it myself - Vamp had other things to do...like talk about the bloody donate button all night...:mad:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I had to make it myself - Vamp had other things to do...like talk about the bloody donate button all night...:mad:

 

I donated all my paypal shrapnel tonight. How much does a law book cost I wonder?

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Hello all,

 

Dialogue moved on while I was not here.

 

Thanks Spiceskull for ably qualifying what I meant about our efforts to calculate interest.

 

Also thanks to you and Vampiress for taking the trouble to write here about confidentiality as you might easily have discussed it offline and not provided immediate reassurance to others.

 

Your anonymity is not, and would never be, compromised. Discretion is my middle name.

 

IF it came to another's court case, IF information were needed in support, IF my permission were sought and IF it were all strictly in accordance with site protocol, I would look favourably on agreeing to some or perhaps all of my contributions being used.

 

Yours,

Haricot Discretion Bean

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Congrats!

 

Looking forward to seeing spreadsheet.

 

Best Wishes,

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Any news on the spreadsheet yet?

 

I have had my statements from Yorkshire Bank but nothing confirming any manual intervention. I have calculated my claim will be £2,902.00 for charges and I am debating whether to add interest. I had been thinking along the lines of claiming the 8% the court would allow, which adds another £976.13 to date. I had this account from January 2000 (over 6 years ago), to March 2003, but the way I see it is that they have had my money all this time, and I could have used it or had interest on it. Whether or not I was overdrawn some months is immaterial, because I could have earned interest myself. I could also have used it in the years since I closed the account.

 

8% is a much lower rate than YB charged me, but then again I would have been unlikely to earn 8% interest if I had the money, so it seems a reasonable compromise.

 

Having read this thread I am hoping that Vampiress' spreadsheet may help, and wonder if the interest calculation may work out to be higher.

 

Any thoughts anybody?

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yeah, I'd like to see the spreadsheet too.

 

I'm sat at £4k so far.

 

Interesting to see the interest as a lot of my charges were 2001/2002

If the name of the claim is blue and underlined, click it to see how I did it.

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Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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caro, you seem to be confusing immediately reclaimable overdraft interest with the 8% interest you can claim in court proceedings for not having had use of the money, perhaps this will help:

 

...there are ultimately two types of interest to be claimed:

Firstly, you claim back what the bank took as overdraft interest applied to unlawful charges (for mine, a rate of 17.7% applied from 10/11/2004 to present and rate as yet unknown prior to that). Secondly, when it gets as far as court proceedings, you apply interest at 8% to your claim to account for you not having use of the money that was taken - Not only have you not had use of the money, but you have also been charged interest on it and it seems the law rightly recognises this

 

Note that in some posts in other threads, some have mistakenly talked about interest and greed, as though we were not entitled to claim it. We are entitled to reclaim correctly-calculated or even reasonably-estimated overdraft interest that has been taken from us, and on serving the claim at court we are also entitled to claim 8% interest. Greed does not enter into it. It's about restitution.

 

I hope that's clearer.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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This could be an interesting? LTSB unpaid DD on 1 st of month - standard letter blah blah £35. D/d represented 19 of month and paid! Despite account being further o/d than on 1st. Interestingly the recipient of the D/D was another part of the black horse empire. Any one have any views?

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Fulli intend to - initial letter sent re charges of almost£2k - however is it not interesting that a D/D to a member of the LTSB group gets paid whilst others don't especially as they have already refused it once with account i n a lower debit balance?

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Not at all - have had much assistance at brnch level in this respect (can't say too much more here!) however once the automated process takes over is a different matter it would seem.

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It is much clearer thanks Bean. So I guess I need to find out from the banks what rate I was being charged at the time? What happens about interest on closed accounts though? Can I only claim for the time the accounts were open, or can I still claim for interest up to date, and if so what rate should I use from the date of closure?

 

I have looked in the library and at FAQ's but your explanation is clearer than anything that I could find. (please note mods, as others may also find Bean's post clearer it may be worth including this in FAQs).

 

Thanks for your help.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I didn't realise that vampires could also be angels, but you are indeed an angel for doing the spreadsheet.

 

Have I grovelled enough to ask for a link to the spreadsheet as I can only see to one to use before the moneyclaim. :|

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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