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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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Northern Ireland Confused...!


aronski
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Hello this is my first post.

 

I want to claim unfair charges from my barclaycard visa credit card. I was a student in manchester when I was issued this card in November 2001.

 

My credit card had a limit of £500 which was involuntarily reduced to £280 about four months ago after I made a payment to reduce what I owed to that amount.

 

I am now living at home in Northern Ireland and am reading through copies of my monthly statements which I requested from BCard, having sent the cheque for £10.

 

They also sent copies of my microfilm records, but they said that the did so as a gesture of goodwill.

 

I am a bit confused about some of the charges and am unsure about what to claim back. Here is a break down of the charges:

 

Late Payment charges: £396

Over Credit Limit charge: £417

 

Each charge was £15 until May 03 when they were incresed to £20 charges, and then in August 06 the charges were reduced to £12.

 

There was also a single charge of £20 for Returned Payment Charge. I don't know what this is for.

 

So I add the Late Payment Charges, the Exceeded Limit Charges together and the single Returned Payment Charge and they total £833.

 

Is this what I am to claim?

 

What is the next step I should take now?

 

I am also uncertain about if there is a different procedure to claim this money as I live in N.I.

 

Incidentally, during the weeks that I requested my account records, a lot of withheld number calls were made to my house. If a female member of my family answered it, there was no reply. If a male answered it my name was asked for (and it was barclaycard). If no one from my house spoke first there was silence, then eventually someone asking for my name. Each time they called they were asked to ring my mobile (I am currently a student and not living at home except at the weekends).

 

I am considering reporting this to the police so that my phone company can check who was ringing. I suspect the dead calls to be from barclaycard. Would this be a fruitless move?

 

Many thanks!!!!

 

aronski

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PS They took more than forty days to send me my records, but they sent me two letters before I received the records, the first acknowledging my request for the records, the second saying that the 40 day period was nearly up but that the records would be with me shortly, possibly exceeding the forty days.

 

They arrived a week after this last letter.

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PPS (sorry)

 

Since I requested the records, I have a personal account manager who deals with me. I think this is unusual because there is nothing new about my account - I missed my last payment as I have done many times before. Previously the usual call-centre worker would call me and try to get me to pay, but now its a woman called martina who only works daytime hours.

 

She is quite nice to speak to, as she seems to listen well and seems to be sympathetic!! But I haven't told her about my intentions to claim money back.

 

She is worried that I get another charge for late payment. Can I freeze my account now? I don't want to use Barclaycard anymore and I'd rather just cancel the whole thing and offer them to take what I owe them (£280) from what I am claiming from them. Is that possible?

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Hi Aronski,

Regarding the harassment by telephone, you might like to send them this. I did and they've stopped calling:

 

Barclays Bank PLC,

1, Churchill Place,

London,

E14 5HP

 

YOUR ADDRESS

 

DATE

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: xxxxxxxxxxx

 

Dear Sir or Madam,

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these calls stop, but I am still receiving calls.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you may be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

Aronski

 

Your next move would be to send the preliminary letter (in the Bank Templates Library) asking for your money back. You will need to deduct the 3 adjustments, they are refunds. Expect them to delay and quite possibly tell you lies along the way but you will get there in the end.

All the best,

Paul

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Thanks paul, Just read your thread, well done, Im sure it was a hairy journey but the satisfaction must almost be worth more than the money itself!!!

 

I'll get those letters in the post, wish me luck!

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Oh Im still confused -

 

Am I to ask them to refund me £396 Late Payment Charges, £417 Exceeded Limit Charges, £20 Returned Payment Charge?

 

In the letter in the templates section, it talks about interest... what interest?

 

I have added up the interest from my records, they show:

 

Interest on Standard Balance: £211.67

Interest on Cash Balance: £219.16

 

I have no idea what these seperate charges are...

 

I have also been charged £78.50 in ATM withdrawl services...!!!

 

Do I include 8% interest on these charges? Which charges? Sorry if Im not getting this info straight...

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Now you've got me confused too! Returned payment charges, exceeded limit charges, returned payment charges. Claim them all. The interest can be added but that can be a little complicated. Lots of people just go for 8% when they issue the claim. Some people are doing contractual interest (which can inflate your claim massively), have a look around some other threads. I wouldn't recommend doing this unless you really know the score. You'll need to do some research for that. Now, get those letters in the post and give Barclaysharks hell!!!

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you can claim back the overlimit charges, late payment & returned payment charges.

 

unfortunately, as far as I'm aware the £78.50 is cost they charge you to take money from a cash machine and isn't recoverable

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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obviously, they don't charge you £78.50 to take money from a cash machine (though I'm sure they would if they could). I think it's something like £1.50 per time or summat like that....

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"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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To work out what contractual interest has been levied on these unlawful charges, go here:

 

Compound interest calculator

 

You enter the amount you have been charged, the date and the percentage rate. I think Sharkleycard charge 19.9%

 

Add up the total (Charge+ interest) and that gives you the amount to tell them you want back.

 

If they refuse to pay this in total and completely, the next step is a letter before action then download this form:

 

http://www.courtsni.gov.uk/NR/rdonlyres/455D2037-537B-46FC-B852-B78716658EB8/0/p_ucs_smallclaimnewapplication.pdf

 

 

Also download or get this Small Claims guide from you local court:

 

http://www.courtsni.gov.uk/NR/rdonlyres/5F7A0BF5-BC00-4844-8053-24F29E53D9BC/0/p_ucs_smallclaimsguide.pdf

 

If and when you fill this form you can add 8% or the CI rate of 19.9 or whatever their rate is to the total plus your court costs (which you have to pay up front when you file these papers, in triplicate to the Small Claims Section at the Civil Processing Centre in Belfast)

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I think I must be really stupid... Im still stuck on what interest to add...

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

 

In the compound interest calculator do I enter each fine (eg £20), its date, the interest rate and then calculate? Do I do this for every month I have been fined since 2001 and add them up and quote that as the interest I claim back?

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:confused: I just got my monthly statement, Mercers Debt Collections Agency is now dealing with my account.

 

There are four different interest rates quoted on my statement, and I don't know which one applies to me....

 

Purchase Annual Rate: 24.9%

Cash Annual Rate: 27.9%

 

Where I am actually charged interest in my detailed information panel, it says:

 

Interest on your cash balance 2.075% = £1.10

Interest on your Standard Balance 1.873 % = £4.38

 

You guys are really a great help!!! I want to get this letter posted today hopefully...!

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Not sure what the rate is, maybe look on their website. It will probably be quite high though (around 20%). As for working out the interest, yes, for each charge enter the date, the amount and the current date. It then gives you the interest for that charge. You then add them all up Its a bit laborious but it works out to be a very good hourly rate of pay. :)

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Oh my eyes have been opened!!!! Hmmm yes I took the interest rate to be 14.95% as it was a student account credit card and that is what their rate is. It sounds familiar to me anyway.

 

That makes a nice sum of £461.01 Interest...!!!!

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Alright, nearly there! Is this correct?

 

I calculate that you have taken £857 plus £461.01 which you have charged me in interest for the sum which you have taken. Total £1318.01

I enclose a schedule of the charges which I am claiming with this letter.

 

I'm now just trying to work out the schedule of charges, I couldn't find an example of one... is it a list of all of the dates I have been charged, including the amount charged and the interest along with the date by which I expect to receive it paid back? ie two weeks....

 

Does this list have to be photocopies of the statements or can I type them up onto one page?

 

You guys are great btw

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Account No: xxxxxxxxxxxxxxx

 

Schedule of charges.

 

 

 

Date Type (over limit, late payment etc)Amount (charge+interest

 

xx/xx/xx XXXX XXXXXXXXXXX £xx

xx/xx/xx XXXX XXXXXXXXXXX £xx

 

 

 

Total £xxx.xx

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OK I have my maths all done and a clear spreadsheet with all the charges etc, but I am still not sure about this paragraph:

 

I calculate that you have taken £857 plus £464.80 which you have charged me in interest for the sum which you have taken. Total £1321.80

 

When did they charge me interest? I don't know how I can show the amounts I have quoted. I mean I calculated the 14.95% interest rate on the compound interest calculator, with the date of the fine, the amount of the fine and todays date... I still don't understand how they have charged me this interest.

 

I understand that the amount of interested calculated is the interest that Barcalycard has gained from the fines they paid me, but I dont see how they have charged me that amount...

 

I think I need to change the wording of this paragraph... Do I?

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