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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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Wednesday vs Mint


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Hello Everybody :)

Just starting a thread mainly for timekeeping purposes.

I took a MInt card out 6 months before going going onto a DMP, so doubt there are many charges, but i will be putting a sar and a CCA request in the post tomorrow.

Hopefully Mint dont keep records very well and dont hold an agreement for me :) If not, ill be stopping payment and reclaiming any PPI, if it was on my account.

If anyone has any tips regarding MInt, i'm all ears :)

I'll keep this informed as i go along.

SAR & CCA Sent 25 June to:

MINT,

Customer Service Centre,

PO BOX 5747,

MINT,

Customer Service Centre,

PO BOX 5747,

Southend-on-Sea,

SS1 9AJ

Southend-on-Sea,

SS1 9AJ

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I have just got a GOGW offer from mint for only approxiamately a third of what i am claiming, this is only after my first letter asking for a refund.

On reading other posts it seems this is a normal course of action that mint take. They basically change all your charges to £12 each and your GOGW offer is the difference.

Abbey - Claiming £4,044.82:lol: offered £4,170 - accepted:) :) :) :)

 

Mint - Claiming £769.71:lol: offered £217 - declined

 

NatWest - Claiming £272

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  • 2 weeks later...

Hi Wednesday

 

MINT charged me £10 for the statement copies and when I requested repayment got the same initial offer i.e. the difference between the old and new charges which is about a third of my claim. I rejected this and sent the Letter Before Action. They replied on the deadline day to say that their offer was unchanged. I am now going down the MCOL route.

Good luck!

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Cheers Chris, i sent the S.A.R - (Subject Access Request) template off this site and youll be surprised what they sent me :confused: The cheque hasnt been returned or cashed.

 

Here it is, is this what Mint usually send out?

 

http://i197.photobucket.com/albums/aa198/Wednesday1867/MintSar.jpg

 

Just £100 in charges, from their website interest rate is 14.9%

 

Ill send pre lim to same adress tomorrow for £100 plus interest @ 14.9% unless its a different adress

 

 

Thanks:)

 

 

Edit

 

Claiming £128 back, what are Mint like with the lower amounts?

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Looking through this site it seems that MINT's standard practice is to offer the difference between £20 charges and their new charge of £12.00 They appear to ignore lower charges (I had a couple of £10.00 charges). They do not budge if you reject their offer and also do not change their offer after a LBA. There are two of us now on this forum that have just started court claims so it will be interesting to see how they react.

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Well i should receive an agreement tomorrow or they do into default.

 

Honestly id looking for the lack of agreement with Mint rather than chasing them for £150, if they provide the agreement, ill have the £150 :D , if they dont, i wont acknowledge a debt to ermm, ive forgotton ;)

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Well Mint's initial 12 days are up of yesterday for the CCA

 

i do have a problem tho, i sent the sar and cca in seperate envelopes but posted at the same time, unfortunatly when i check on Royal Mails website, it says neither have been delivered yet, but obviously the sar has, cos i have my transactions, sods law states, they would have got one, but not the other :rolleyes:

 

I best compose a letter reminding them of their responsability to my request :)

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Im sending this, anyone got any improvements?

 

Dear Sirs,

 

I find myself needing to write to you again in relation to the above numbered account. I initially wrote to you dated 25th June 2007

 

The contents of my original letter, were a legal request under section 78 of the Consumer Credit Act 1974 for a true copy of my executed agreement. Mint are in possession of a credit licence, so I am amazed and disappointed that I have to write to you, to remind you of your obligations under the Consumer Credit Act.

 

The Consumer Credit Act gives you a time frame of 12 working days plus 2 for postage to fulfil your obligation in supplying me with a true copy of my agreement, this timeframe has now passed. If nothing is received in this time frame this account enters default, this account entered default 13th July 2007. Please be aware if the default continues for a further 30 days, Mint will commit a criminal offence.

 

While the account is in default you are unable to enforce this alleged debt which includes but is not limited to:

 

· You may not demand any payment on this account, nor am I obliged to offer any payment to you.

 

· You may not add any further interest or charges to this account.

 

· You may not pass this account to any third party.

 

· You may not register any information in respect of this account with any of the credit reference agencies.

 

 

So I will now be ceasing payment to this account up until the time you provide me with a true copy of my agreement as requested per the Consumer Credit Act 1974, which I feel is an action I have put into by Mint and their lack lustre attitude to responding to customer complaints or legal requests under the Consumer Credit Act.

 

If and when you supply an agreement that conforms to the Consumer Credit Act 1974, I will of course recommence payments to Mint

.

I look forward to receiving a copy of my agreement by return or confirmation of its non existence.

 

Yours Sincerely

 

Any ideas?

 

Thanks

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Well the agreement turned up, ill post it up for advice, looks good to me, only down point is, they say current t and c's are suitable and have supplied them, if that is the only problem with the agreement, its not worth pushing the enforacability of the agreement.

 

 

As my charges are so low, i dont really want to go to court, can i use the FOS instead?

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My claim is for a similar amount and I got the same replies and offers as you. I have gone down the MCOL route and am waiting to see what happens. RBoS acknowledged the claim and have indicated on the paperwork that they intend to defend my claim. They have another couple of weeks to do something. Having seen all the court material on this site I have no worries about going through with this if they turn up to a court date.

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Reasoning behind going down the FOS route is, i get paid next week, need to get my footy season ticket and start 4 Court cases :eek: 2 against MBNA, 1 vs Egg and the last one against HSBC.

 

As Mint is for £120, i thought i could file a complaint with FOS and leave it ticking along in the background, while i take on these bigger cases with bigger values.

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Guess what turned up in the post today? A cheque from RBoS refunding every charge in full, contractual interest of 16.9% compounded and the Court fee. The letter with it basically said that it was not economically viable for them to go any further. For the sake of £30 which you will get back, I would go down the MCOL route.

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  • 3 weeks later...

Left this one to a side for a while, but will get it sorted now.

 

I sent them a letter refusing their offer and informing them of my intention to start court proceedings. I havent yet, but ive received another letter, full and final settlement for same amount as first time...........

 

So im gonna start MCOL tonight, hopefully they wont defend, total comes to about £180 :o not a lot and hopefully not worth it to them.

 

Does anyone know if there is template PoC's anywhere.

 

 

Thanks for any help :)

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Hi

 

This is the wording that I used for MCOL which worked for me:-

 

The Claimant, a customer of the Defendant

claims that between 00/00/00 and 00/00/00 the

Defendant debited (x number) charges from the

Claimant's credit card account

5460xxxxxxxxxxxx. The claimant believes that

the charges are an unfair penalty under the

Unfair Terms in Consumer Contracts

Regulations 1999 as they are a

disproportionately high sum in compensation

compared to the cost of the purported

breach and that Under the law of penalties,

the charges are an unlawful extravagant

penalty. The claimant requests the refund

of these charges being £000.00 plus

contractual interest of 16.9% compounded.

The interest is an additional £000.00 The

Claimant has written to the Defendant on a

number of occasions in order to try to

resolve this situation but now feels that

they have no other course of action left.

The Claimant therefore respectfully asks

the court to enter judgment in their favour

for a total of £000.00

 

It is well worth adding the 16.9% interest as it nearly doubled the amount of the claim. RBoS will automatically reply to the Court saying that they will defend the claim. This seems to be a standard proceedure as it gives them extra time to look at each claim. It was about two weeks later that they wrote back to me paying the claim in full. I spoke to the person handling my claim and he said that it was not worth them defending small claims (or even spend any time checking my interest calculations)

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Sorry, forgot to add:-

 

The address to send the claim to is:-

 

Royal Bank of Scotland Plc

RBS Litigation

1 Princes Street

London

EC2R 8PB

 

 

There is an address for RBoS/Natwest given in the info/reference section of this site but it is wrong (perhaps a mod could change it?) The correct address is 1 Princes Street and not 1 Princess Street which is the Head Office of the Salvation Army.

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