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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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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Federer Vs Bank Of Scotland


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Hi all,

 

Came across these forums through an other bank chagres site, happy to be a part of it!

 

my current situation is that i have just recieved the standard fob of letter yesterday, a couple of useful pamphlets...haha & a 2 page photo copied letter trying to throw me off the scent.

 

I am currently reclaiming around £2000 in charges from the HBOS after 3 nightmare years with this bank resulting in failed payments to loans etc after the ridiculous amount of charges i would recieve each month. I am overdrawn though, what would be the likelyhood they close my account down IF they do decide to pay up?

 

Also, whats the estimated time etc after sending the 2nd letter (today) threatening to take them to court etc

 

any help and a rough idea of where to go from here would be very much appreciated!

 

:)

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first of welcome to the site you will get all help you need here you send your lba and its 14 calander days then you start to file court being overdrawn shouldnt make any difference i was and i still won if you need any help just shout

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Thank you Tilly! i'm a bit naive here but i'm gueesing the LBA would be the second letter "i'm dissapointed you have decided not to refund my charges....i wish to hear from you within 7 days or i will take the following action....small claims court...FOB etc"

 

or...

 

The LBA being when i get the financial obsduman involved?

 

Cheers!

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perfect! right i think i know where i stand now, which is ideal...just a case of waiting to see what their next move is then?!

 

one thing i have noticed by looking around though is that i never included interest charges in my claim...

 

i'm also hazarding a guess that they will try and put this off for as long as possible?

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seems a bit crazy that i'm going to file a court claim against...a bank!

 

 

Maybe we should issue default notices on THEM!

 

evilgrin0044.gif

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi again everyone

 

right i'm now wondering if i should maybe give the bank a call to see where i'm at,i've sent my LBA well a letter very similiar to the bank which would have been delivered monday/yesterday latest. with my threat to issure further action in 7 or 14 days respectively.

 

should i call or shoul i wait...i just don't want to sit around twiddling my thumbs!

 

hope everyones cases are going well

 

 

oh and heres an interesting fact. i got a notice from a collection company!? today asking for payment of £200 from my account...i do not have any loans! I paid of all outstanding debt last year....very strange

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If you have sent your lba, then im afraid it is twiddling your thunb time for 14 days.

 

You can read up on the next stage, have you decided wether to do mcol or N1.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Also which debt company contacted you?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi sea-side lady!

 

masterloan, on behalf of...Alliace & Leicester! whom i have never dealt with. which i find unreal, considering they have gave me 48 hours to pay this sum and this being my first correspondance!

 

thanks, i'll start preparing for the final stage :D

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ok...........

 

just called the HBOS to confirm my 2nd letter had arrived, it had. but the woman in customer relations pointed out to me they now have until the 16th of august to reply?!?! i beg her pardon. i was sure they had only 14 days!

 

any idea why they would give themselves that amount of time?

 

sorry about all these questions!

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You need to stick to your time scales. 14 days is plenty.

 

They are trying to drag it out, but you know better..;)

 

It does look like it might be a mistake for the debt company if you have never had an account with A&L.

 

This is the forum that deals with this, it is worth posting in there.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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SSL is, of course, again, as ever - CORRECT!

 

Your time-scales - not theirs!

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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tick tick tick!

 

haha. getting there now, Actually looking forward to the next step! i take it once i send over my complaint to the FO i send a copy to the bank to let them know i am pressing further action, i've been waiting years for this..!

 

Cheers for the help so far folks :)

  • Haha 1
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Wouldn't do any harm correcting their misinformation by calling them.

 

The more you add to your *file* with them - the better.

 

Be polite:

 

"I'm just calling you to correct something said to me on the phone on DATE. You should, of course be aware that you have 7/14 days (delete the wrong one) to reply."

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 2 weeks later...

okay doke!!!

 

their time is up. still no reply and i've waited at least 16 days between the two lbs i sent. do i call the FO first?

 

thanks for the help everyone, the finishing line is in sight!!

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right...

 

haha next step completed.

 

just off the phone to a very helpful at the FO. my complaint form to open an independent investigation will be sent to me in the next few days.

 

now....i'm about to call the bank and let them know off this? all sound ok so far?

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still keep getting fobbed off! "we have until the 14th of august...blah blah blah...8 weeks blah blah blah"

 

the girl on the phone from the bank there seemed like a genuinely nice person and has now e-mail a senior manager etc with the stage i'm at as i said my first letter with enclosed bank charges etc came through sometime in may so how can 8 weeks be august 14th?!.

 

Is this good or bad?!

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Whoops! I think so! This was to the posting before your latest one!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Is this good or bad?!

 

It's good from your point of view ..... Bad from theirs!

 

In fact, it just goes to show the pressure they are operating under. Well, tough cheese! They put US under enough pressure in the past!

 

REMEMBER: YOUR TIME-SCALE - NOT theirs!

 

 

PS. Thanks for tippin me scales, kind sir! If I hadn't given out a lot of lovies today, I'd reciprocate!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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:)

 

the ball is well and truly in motion now. once i get the letter from the FO i'll feel a lot better, dusary since this case is in scotland what happens once the FO get involved?

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Same as it would in England or Wales or N Ireland!!

 

It IS an UNITED KINGDOM!

 

happy0032.gifhappy0032.gifhappy0032.gifhappy0032.gif

 

 

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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