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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!
    • 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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CB Vs CapOne + CI, Advice ?***WON***


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OK so I had a crap1 card back in 2000.

The normal story low limit, stopped paying and it was passed to a DCA.

They contacted me a couple years later and I made an arrangement to pay it off.

 

This is where the story should end.

 

Fast forward to end of 2006.

Out of the blue I received, or my folks did, a letter from Lowell saying that they have bought the debt from crap1.

 

Now this is odd as I remember paying this off.

So I gave them a call and explained this and that they should go back to crap1 and check their records.

 

So all goes quiet.

 

Then mid march received a letter from RED debt collections, oh look it's Lowell under a different name.

Now this spurred me into action so SAR'd Crap1 for everything.

 

Well so far so good.

Had delivered, special deliver no less, ALL the paper work from Crap1.

So this weekend I'm going to sit down with a highlighter and see what they owe me.

 

Now as I have been mucked about and I have nothing to loose I'm going for everything WITH CI as well.

Also as this is over 6 years old I feel they will try and fight it.

Should make them sit up and take notice and get RED/Lowell off my back once and for all.

 

I have a slight issue, now there's a surprise.

 

As this account ran 2000 - 2002 the CI will add up to a tidy sum.

Should I stop the interest on the date the agreement ended or go for present day ?

Any idea what rate of CI to use ?

The 2000/02 one or current ??

 

Well in for a penny in for a few hundred pounds ;)

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Be VERY careful whose advice you listen too

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OK just run through my transactions and found the following:

Jun 2000 - Jan 2002

Lates - 14

Over Limit - 15

Total Penalities - £504

CI (29.9%) - £895

TOTAL - £1399.

 

Cripes !

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Hi CB,

As i understand it you have been denied the money to date so if it was me I would probably continue with interest until present. As far as which rate to use I'm not sure about this - do you know what the difference is? Perhaps someone with more experience could advise.

As you know my prelims have gone out for £2399 and £728, including compound interest at 29.9% - accounts are still active and I've used current rate.

 

Good luck

Ellie

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Ellie, thanks for that.

Well the paperwork I received, which was very detailed, didn't mention the rate .

After reading a whole bunch of other threads I think the overall message was one of use the current rate.

Time to get my prelim all typed and await post from Mt Uddy.

Be VERY careful whose advice you listen too

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Well they have received and signed for my prelim 01/05.

The clock starts now.

Just waiting to hear from Mr Udy, should be interesting.

Be VERY careful whose advice you listen too

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great stuff. Don't do your warm up just yet though -theres a bit of a two step takes place before the real action.

Got two replies from two different people to my two prelims!

Hmm, who to bestow my combined LBA on...?

Ellie :)

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Hi Curlyben & Elliejay39

 

Sorry to jump in on your thread but am looking for some help and wondered if you two would oblige? :)

 

I've just had my so called statements back from Cr@p 1 and have gone through them.

 

I've been scouring the message boards for information on claiming back on credit cards and am getting lost.

 

Is there a spreadsheet about somewhere for adding on the CI? or did you do it yourself? - sorry to seem dull but really eager to get the ball rolling and it seems to take me an age to find relevant info.

 

IS CI what the courts would add if/when it gets that far?

 

Now i';ve lost my train of thought so i'll leave it there (lol) all mind boggling to me at times.

 

Thanks for any help you may be able to offer me & good luck to you both on your claims. ;)

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For the CCI sheets have a look here: VAMPIRESS'S CHAMBER

Try sheet 13.

Now CI is the rate the card charges you each and every month.

This should be confused with the 8% stat rate that the courts can award in cases like this.

Be VERY careful whose advice you listen too

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Thanks for that curlyben should I use CI or stat? Really don't want to mess things up and choose the wrong one. £1056.38 is the total of charges from Cr@p 1 although in that are 4 x £12 charges which I am unsure as to whether I should be reclaiming or is that a magic £12 charge that they seem to think is ok?

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Right in your prelim you go with CCI, the 8% stat can only be claimed at MCOL stage.

 

Now claim for EVERYTHING.

The £12 is NOT a hard limit as this hasn't been proved to be lawful.

The OFT recomended this as a limit for charges, saying that they wont investigate levels below this "limit".

Be VERY careful whose advice you listen too

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Hi,

 

just to clarify though, if you DO decide to go with CI at prelim and henceforth you should NOT claim 8% except in the alternative. That is if the judge awards charges but disallows interest at the contractural rate you can ask for 8% statutory instead.

 

If you decide to go with the contractual interest you must read up on the arguments for this (there are plenty on the forum) as you need to be clear in your mind why you deem it fair to be claiming a fairly high interest rate on top of your charges refunded.

 

The spreadsheet will also calculate how much interest you have PAID on the charges and this should be claimed in either case.

 

Hope this helps

 

Ellie

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I know but I think the rule of thumb is either/or. I don't think I'd feel confident enough with arguing both if it came to court although I understand that those who have been successful have done so through their own confidence that NO financial institution will dare face court so all you have to do is stand firm. I'll be quite happy if I get all I've paid with compounded CI (which trebles the amount anyway) I'm a bit scared that they'll start to work harder on their arguments and the judge will award no interest at all (I think that also happened to one member, although it was a while ago)

This is only my understanding though and I am happy to be corrected. Good luck if you decide to go for both!

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...we may be at cross purposes too as I used spreadsheet 16 which calculates charges, interest paid on charges (compounded) then calculates the interest accrued on both at contractual rate (also compounded). Its this one that I would feel too cheeky also claiming stat 8% on top!

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Go for both?? I don't think so.... i'm finding the whole thing difficult enough as it is (lol).

 

So... if I go with CI (29.9%) in prelim letter if it then went as far as court I may only get the 8% or even just the charges back and at the very worst (and rare by the sound of it) zippo! Have I got the hang of this yet guys? (lol) Sorry if I am giving you a headache. Your help is so very much appreciated by this single mum :D

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1 or the other, the people who got both made a mistake and the only reason they got both was that the banks don't want to appear in court, so just paid them

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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  • 2 weeks later...

Well my Prelim was signed for on the FIRST, but it seems that Mr Udy doesn't want to talk to me.

I'll leave this till next week and send my LBA.

Be VERY careful whose advice you listen too

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