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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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CAPITAL BANK/Bank of Scotland - REPOSSED MY CAR


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A little help please...

 

Worst thing I ever did opt out of the Comapny Scheme and purchse my own under a HP agreement.

 

I changed jobs last year and at the time banked with RBS when things got tight I missed some payments on the HP loan not all in one go Jan, June and 1 in August, becuase I wasn't a religious scanner of Bank Statements, I hadn't realised the bank had rejected the DD's.

RBS never sent me a letter that they had rejected these payments and consequently paid following months.

In August I got a default notice from Bank of Scotland severing me a default notice asking for £2000 I called them immediately and said I had received no letters of missed payments or phones or anything, to which they replied because over a number of occassions I had asked for redemption figures they assumed I was going to repay the debt so, which I had becuase I was going to swop the car.

 

I asked to time to pay and they told me the only thing they would accept was payment within 3 months so £679 each month till arrears were cleared, becuase I tought I had no option I agreed and first month paid them, 2 nd month I just couldn't afford it on the time stated and paid it through a debit service 2 weeks late, the payment then came back into bank as it was rejected by the bank of Scotland to my new bank HSBC.

 

2 days later when returning home from work I found a 2 men sat on my drive, as I got out the car they told me that they had come to reposses my car unless I gave them £3000 cash.

They had no paperwork or agreement number so I asked them to wait while I called Bank of Scotland. When I did this the gentlman said they sent me a letter stating they wanted the goods returning....... I was horrified I had not had the letter and actually it never arrived until after Christmas car taken 19th December. Since then I have nothing at all from them until I received a letter dated 20 march from a Comapny Called Imperial Solutions (UK) Ltd agents for Capital Bank formerly NWS Bank Plc saying I owed them £18,099.71 and to pay by 27 March at 10am or they would take Court Action without further warning.

I then although the letter was dated 19th March got a letter from Capital Bank saying they had sold the debt to this company for £18450.00 leaving an outsanding balance of £18099.71.

I called Imperial Solutions and was told I could settle the account in full for £9,000 if I did it in 7 days..... I was completely confused and said no I didn't have that sort of cash but could they please send me a copy of the aggreement and all costs ..... received today

Car taken 19th December addtional costs and interest keeps coing on till 07/03/07 when it states the Bad debt is £13,053.74 I really don't understand this can anyone help.

 

Frustrated and bewildered.

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this is REALLY important.

 

How much of the agreement had you paid? I'm guessing due to the timescales it was less than 1/3 of the agreement?

 

how much was the credit agreement for?

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  • 10 months later...
£41,859 with all insurance and maintence £34,567 paid at date taken back

 

I think you should SAR them. Get a complete set of statements you will find you have paid a stack of charges if Crapital have been true to form. Also did they actually go to court? My understanding (mind I am no expert) is that in scotland they need to go to court to get the car back, unless of course you voluntary give it back.

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If it didn;t go to court and they just came and took it then you can have the company investigated for improper practices - it's something Scotland are better at that the UK - get somebody at the Govern Law Centre on the phone to advise you now, it sounds as if you have very good recourse to get the slate wiped clean and financial compensation for loss of the car to date.... charged at commercial hire rates per day....

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Hi, thanks for the reply, although I think this has been dealt with out of the UK branch in Chester not Scotland. They are still chasing me for payment, I'm on my second debt chasers first company based in Scotland I SAR and asked for a copy of the CCA which they took my fee in postal orders but never produced anything when challenged they said they had sent it back to Capital Bank, I have now some 12 months later received an other set of debt collectors KM Investigstions in Warrington offering to half my debt to £8k so I SAR them and then challenged the payments on the SAR and they have said they have sent it back to their Clients as they need clarification.

Originally :-

I let them take my car back as a large man appeared on my door step demanding I handed it over or I pay £3000 to keep it. This was on the 19th December 2006, I called Capital Bank before I gave up the keys and they said they had sent a letter in the post telling me they wanted the car back, this duly arrived 3 days after the car had been repossed.

I was told by Capital Bank if I paid £2600 I before 20th January 2007 I could have it back. I didn't pay anything to them and they sold the car at auction at a loss.

 

I'm now waiting for Capital Bank's next steps. I have kept all correspondance from Capital Bank I'm sure they will do something very nasty shortly.

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