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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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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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lenny100 v Credit infomation bureu


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Have received a copy of the loan agreement from this firm but i have found its has changes and has information missing.

Can i claim against this as the information changes make the agreement void?

 

 

loan amount changed from £2925 to £3925 ( Not sure which was written first or second)

 

also selected method of payment not filled in

 

also signature look dodgy

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  • 4 months later...

is anyone any further investigating this company, companies house states that the company was setup in Aug 2006, so not even established for over a year yet, but i won't hold that against them, however what i will say is, there is no information anywhere, apart from directory services that mentions this company, are they real, or an attempt by cdl to threaten consumers by posing as a collection agency, or computer center as it says at the top of my letter received this morning.

And.. are does the wording make any sence at all.

 

"The Credit Information Bureau, "

(business buzzwords to suggest they are a high status credit research and information specialists)

 

 

"National Credit Register and Computer Centre"

(sounds like their status is on par with those of Equifax, Experien and Call Credit, however again, no searchable information regarding this company, and whats this "Computer Center" business, what the hell is a computer center, probably an internet cafe somewhere in Hitchin, hey heres one for you, put the post code "SG4 0EB" in google maps or google earth, and check out that lovely house that this long established, high status company occupies as its registered business address.

 

I'm sure i started this post asking a question, oh well what the hell, I recommend find out who this company is, after I received this letter, It did bring me back to earth the fact that I still had a debt for a crap course supposidly paid for by a government funded loan, which I was supposed to be paying back, but instead owed Career Development Finance the outstanding balance, but a little investigation, has made me realize how funny this actually is, so this week I shall get to the bottom of this company.

 

Oh yeah question was has anyone dealt with this newly setup business or even paid them?

 

Gav

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they say i took out a £2400 career development finance agreement in respect of a scheidegger computer course, as i have been unemployed because of a mental health problem for 14 mounths i cannot see how this is possable.

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"National Credit Register and Computer Centre"

Gav

 

This name borders on the dishonest. The National Computer Centre (NCC) is an internationally recognised security and telecommunications centre, originally set up to do top secret technology research and development (read: spying) in the cold war.

 

AFAIK, The National Credit Register and Computer Centre has no relationship with the NCC.

  • Haha 1

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 1 month later...

Um... it's too small, can't read it:)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 weeks later...
bump

 

it SEEMS like they have made a mjor blunder, since (ahem) they've got (a) scribbled all over the total credit, (b) got the total amount payable wrong, and they also seem (from what i can read) to have got the monthly repayments wrong.

 

but I would post this up in the consumer credit agreement thread, because the rules may be different for a non-commercial agreement.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 months later...

Hope you don't mind me bumping this thread but I have some dealings with this outfit too.

 

I was doing a course with Scheidegger and they stopped returning coursework, I resubmitted it (twice) and I never got it back marked so I stopped paying. Thought that might provoke a response. I got a couple of letters from Career Development Finance Ltd. but I ignored them. Then I got one from BST Credit offering me reduced payments and a complete restart to the course. This I accepted and started paying them £40 a month but NO COURSE. I stopped paying again and got a letter 12 months later from The Credit Information Bureau offering me exactly the same, £40 a month payments and a complete restart of the course.

 

I declined and got a threat of court action from them. I then asked for a copy of my agreement (not a proper CCA request, I wasn't a CAG member then) and heard nothing more until today.

 

Letter from The Credit Information Bureau saying their client Career Development Finance Ltd (formerly BST Credit Ltd) will accept my request to cancel upon payment of a cancellation fee of £75. If I pay within 7 days the full balance will be cancelled. They then thank me for settling this matter out of court so that the credit default can be removed.

 

Now I'm totally confused.

 

My agreement was with Career Development Finance - I was contacted by BST Credit after I stopped paying (how can they be the former company?)

 

I have never asked for the agreement to be cancelled, I asked for a refund under the supply of goods and services act at the same time as I asked for a copy of the agreement.

 

I've never had a default notice.

 

Please can somebody help me sort out this bunch of muppets.

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just had a smiler letter my self saying i could go on with a course for £ 40 per month after they have had legal advice, sound like i am on a identical path to you

by the way put their post code into google earth etc. and have a look at their "OFFICE"

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Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

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Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

 

 

sounds like they know they cant win why else are they willing to wright off £1200+ pounds?

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Thanks lenny100, I know you are in the same position with this DCA. I don't know why they are doing what they're doing, this is what's weird.

 

I had NCO on my back over a Capital One debt and they were aggressive. Sent them a couple of Curlyben's letters and they appear to have passed it back to Crap One. I've since followed all the correct procedures and am filing the N1 in court next week for charges + CCI.

 

This DCA (The Credit Information Bureau) don't fit the usual pattern of things. I do owe them over £1300 and if they have a copy of the agreement I have then they can enforce the debt. Why the hell would they offer to write off £1300+ and offer to remove all defaults from my credit file for an admin fee of £75?

 

That is my problem, when you are on benefits, that £75 might as well be £75,000, fact is, I don't have it.

 

What don't they want to pursue this? What have they got to hide?

 

I sincerely hope that someone can shine a little light on what's going on here.

 

If someone thinks I should eat bread and jam for a few weeks and pay these buggers off then please say.

 

Lenny100 and myself both know however that the courses we signed up for were crap and that we could have a case for a full refund of what we've already paid under the supply of goods and services act so PLEASE can anyone help us out.

 

Ta in advance.

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I have decided not to take up their offer - why wouldn't they be chasing me if they have an enforceable agreement?

 

I would like the credit agreement, deed of assignment, statement of account and default notices among other things. Would I get all these if I S.A.R. them or do I need to send a CCA request and S.A.R?

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  • 2 weeks later...

An update after I sent The Credit Information Bureau a S.A.R. saying I wanted all data they hold. I received a reply today.

 

They say that all requested correspondence requested has been sent to me previously ??? I have had NOTHING apart from a few threat letters demanding payment. They also confirm no data has been passed to 3rd parties and that my outstanding balance has now been cancelled. They also say my credit rating is unaffected and they returned my 10 quid.

 

I am tempted to accept the situation but my OH thinks I should push for a refund of what I've already paid under the Supply of Goods & Services Act. Any thoughts?

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