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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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Neo v Egg Banking PLC - Hearing on Tuesday!


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looks like Egg are going to appear in court on Tuesday.

 

I received change of solicitors from Egg to Eversheds...

 

I am challenging them about holding information on my credit records afte the accoutn has been settled, using argunments from Surlybonds info.

 

Any hints or tips for Tuesday (tommorow) appreciated. Never been to court before... nevermind took a bank to court...

 

Thanks,

NEO

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Guest ian cognito

Nothing that hasn't already been said, good luck with it and let us know how you go on xx

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In answer to your Pm - I expected to go to court and be in a little room for a quick chat with the judge.

 

After all I was only given a 10 mins hearing see this thread.

http://www.consumeractiongroup.co.uk/forum/nationwide-successes/44492-allyxia-big-guy-vrs.html

 

That'll save me typing it all out agin!!

 

Im not saying to is true or not, but I have heard from afew people that the agrument of processing sttled accounts still stands depsite the letter from experian.

 

In fact I have used the very argument myself and they have not backed down.

 

I would in the first instance try to get hold of that letter and use it in evidence. Because if that is going to be the basis of your arguement then that will need to be presented to the judge.

 

BYT have you claimed charges back from Egg?

 

If so how much you claimed and how much is your defulat for?

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Thank you..

 

When I say letter, i mean I am using the arguments from Surlybonds template letter, not the Experian letter.

 

The case is tommorrow... and not claimed any charges from them... there was none unfortunately...

 

Default was for 1500 and they never even sent me a default notice, but that is not what i am arguing, i am arguing that the account is settled and no wher ein law says 6 years...

 

Thanks again

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Well I havent been to court for this reason myself.

 

So Im only replied to what my reading on here has obtained rather than experience.

 

Others have tried this same arguement before you and have failed - Im not sure why try reading Dayglo thread is very very long so go near the end and work back.

 

I would still take the experian letter as you will have an admission that they can not keep your infor direct from them. I know exactly what you are saying as I have tried and failed for this reason myself they will just keep quoting the IOC recomemdation for 6 years and imply that it relates to both kinds of account Tis what they did to me.

 

Im not trying to put you off mearly saying that the more info you take the better your chance and gawd we need a win on this issue!!!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Very much appreciated Allyxia...

If you have a minute can you just tell me in a line or two what the hearing is like... I read your post but didn;t find any info about it.

Is the judge quite helpful with regards to how the hearing is conducted etc. with regards to someone who ahs never been before?

Is it like an open debate? Or does the judge ask asll the questions?

I will read Dayglos thread, but I cannot understand hwo I can lose? How can they argue with what is law? ie they cannot hold my info after the contract and all my permissions has ceased? I understand what you are syaing but it 'seems' clear cut? I suppose it depends on the judge!

Thanks,

Adam

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I know exactly how you feel because this has been my arguement all along and the same as Dayglos?

 

I didnt pursue this particular claim all the way to court as the default is off in dec anyway and have no plans to obtain credit in next few months as just changed mortgage etc etc so too late for me.

 

Sorry about the link I thought it did say about the court etc etc.

 

No it was very formal - I gave the judge allmy info and then he asked me questions - we were in there nearly an hour in the end.

 

I really had tow ork hard to put my case across - and i though I had a shut and cut case like you as well - but its nto as clear as that, you really do have to show the judge your evidence.

 

Do you have a court bundle ready? if so what have you got in there?

 

Im going out at 3 and wont be back til later - i will try to help you as much as I can.

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Please understand that when going to court it made a huge difference that I had all the paperwork prepared and placed into a ring binder which was correctly referenced and indexed!!!! It was noted upon by the judge!!!!

 

So if anybody else has to go to court - please make sure you are prepared, as Jonnie stated in a previous post on this thread - it is not just a formality. I had to speak up and put my case across!!

__________________

 

 

Quoted in my thread -

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Thank you so much.

 

I am trying to put it together today.

 

So far, I have:

 

Outline of case.

Relevant Data protection Act sections highlighted.

Experian letter (as you have suggested - with notes to be done tonight)

Copy of my credit record - showing as settled and Defaulted.

 

But not sure what else to put in there..

 

Thanks again!

 

 

 

I know exactly how you feel because this has been my arguement all along and the same as Dayglos?

 

I didnt pursue this particular claim all the way to court as the default is off in dec anyway and have no plans to obtain credit in next few months as just changed mortgage etc etc so too late for me.

 

Sorry about the link I thought it did say about the court etc etc.

 

No it was very formal - I gave the judge allmy info and then he asked me questions - we were in there nearly an hour in the end.

 

I really had tow ork hard to put my case across - and i though I had a shut and cut case like you as well - but its nto as clear as that, you really do have to show the judge your evidence.

 

Do you have a court bundle ready? if so what have you got in there?

 

Im going out at 3 and wont be back til later - i will try to help you as much as I can.

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I'll think on it.

 

you will need three copies of everything and put it togther professionally you know indexed content page etc etc

 

copy of IOC report would be good as well as it says in there in bold letters info may be held not info should be held - which I bet is the tac they are going to use - so it would be good if you can show the judge it says may not should or can - get my drift here?

 

What defence have they put?

 

AS im leaving now have a look at their defence the look at ways you can counter it?

 

Let me know what you have done - sorry for typos practically doing this as Im going out the door!!!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Thank you!

 

The problem is they haven't put a defence in?? But they can turn up to court without a defence am I right? Well when i say they didnt put a defence in, I mean they sent me a letter asking me to prove what I put on the claim form... so i did... but no defence...

 

 

 

Thanks

 

I'll think on it.

 

you will need three copies of everything and put it togther professionally you know indexed content page etc etc

 

copy of IOC report would be good as well as it says in there in bold letters info may be held not info should be held - which I bet is the tac they are going to use - so it would be good if you can show the judge it says may not should or can - get my drift here?

 

What defence have they put?

 

AS im leaving now have a look at their defence the look at ways you can counter it?

 

Let me know what you have done - sorry for typos practically doing this as Im going out the door!!!

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

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Do you know where I can find this ICO report?

 

Thanks

 

I'll think on it.

 

you will need three copies of everything and put it togther professionally you know indexed content page etc etc

 

copy of IOC report would be good as well as it says in there in bold letters info may be held not info should be held - which I bet is the tac they are going to use - so it would be good if you can show the judge it says may not should or can - get my drift here?

 

What defence have they put?

 

AS im leaving now have a look at their defence the look at ways you can counter it?

 

Let me know what you have done - sorry for typos practically doing this as Im going out the door!!!

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Ol, just got back from Birmingham County Court.

 

Case dismissed.

 

Hmm.

 

The judge had no idea about what the data protection was..

 

Hi smain two points were;

 

1. He did not agree that termination of a contract, meant all permission to process and store information was nullified.

 

2. He did not agree that Section 10 of the DPA where it refers to "processing" meant storing...

 

He would not even accept that Egg were the data controller and said I should of taken the CRA agency to court instead of Egg??

 

After the hearing, I did speak to the solicitor representing Ehh, very nice lady. She let it slip that Egg could not find the feault notice that was (apparently) sent out to me. Interesting. I think she fancied me...

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Neo I Think You Should Draw These Points To The Attentionof A Mod

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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What a crap result....

 

Surely under contract law its not acceptable that once a contract end's all the terms end... otherwise thats just daft, all of your rights to be able to bank with egg etc sure as hell ended!! Theirs should too!

 

As for the S10 bit... well im shocked that the case was dismissed in such a way.

 

Hope you appeal

 

C

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What a crap result....

 

Surely under contract law its not acceptable that once a contract end's all the terms end... otherwise thats just daft, all of your rights to be able to bank with egg etc sure as hell ended!! Theirs should too!

 

As for the S10 bit... well im shocked that the case was dismissed in such a way.

 

Hope you appeal

 

C

 

Well i agree and that was my main argument, but as soon as I got in there he would not accept it. I said about 4 times that when a contract is terminated then surely all the rights that I gave end too, but the judge would have none of it.

 

The judge did say that if I could provide case law then things might of been different and from what Surluybonds has said, he has dug some up...

 

What I don't understand is why their solicitor was kind enough to tell me after the hearing, that Egg could not find the Default Notice and hinted that may help following that route... which I will now.

 

Can anyone point me to a post which deals with what happens when a company can not supply a default agreement...?

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Maybe she did fancy you! hah

 

SB has said he has some case law, but his post is yet to be updated so that is a waiting game.

 

If Egg have admitted they cannot find the default notice..... im sure there is post on the legalities board for that.

 

Still in shock at the judge though, im due to take HSBC to court over the very same thing, if i got dismissed in such a way id be livid.

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