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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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FSA To Review Waiver


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My email has been sent to John Battle, who is my local MP in Leeds West.

 

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Oh this is great guys - I've been away working for a few hours and the thread has been transformed - it's taking off now! :D

 

Just a thought - anyone here with a bit of rep over at MSE? - we could do to share this idea with them, methinks - they vastly outnumber us and it would really add some traction!

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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This is starting to happen now. Thanks to everyone who has sent off letters.

Anyone on You Tube? ( I'm a bit old for that) Facebook? or is that American?

What about all the National and local papers?

All the Students union web sites?

All the NHS web sites ? They will have e mail addresses

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Oh this is great guys - I've been away working for a few hours and the thread has been transformed - it's taking off now! :D

 

Just a thought - anyone here with a bit of rep over at MSE? - we could do to share this idea with them, methinks - they vastly outnumber us and it would really add some traction!

 

 

I have sent a PM to one of the mods over there asking for their help with a link to this thread.

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Great stuff DoS :D

 

PS - kog: Unfortunately the mod I wrote to this morning has stepped down, unfortunately - have passed my PM over to the lovely Sea-SideLady to get some feedback on using the CAG URL - will keep you posted as I said!

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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In the abscence of anything else, have a look at this letter to your MP. Please let me have any comments and any way of improving it.

Thanks.

 

The link to the MP is here ( thanks davebeek)

WriteToThem.com - Email or fax your Councillor, MP, MEP, MSP or Welsh, NI, London Assembly Member for free

 

 

 

 

 

 

Mr xxxxxxxx MP

xxxxxxx

xxxxxxx

xxxxxxxxxx

 

 

1 August 2007

 

 

Dear Mr xxxxx,

 

I am one of your constituents in Anytown. I write to you in the hope you can help me in my plight with the bank and in particular the FSA.

 

You may be aware that on 27 July 2007, the OFT commenced litigation proceedings against the big seven banks to try and establish once and for all as to whether these overdraft fees are actually unlawful.

 

Whilst we agree with this course of action, the FSA has waived the regulation that enforces the banks to process claims of this nature until the outcome of this hearing.

This means that any claims going through the banks now for reclaiming charges (sometimes in their thousands) are put on hold and will not be processed for what could take up to two years if any appeals are allowed.

 

The FSA has also allowed the banks to apply for a stay in all court proceedings of this nature until the case has finished. The Banks are now to apply to the Master of Rolls to issue a blanket stay on all court hearings.

 

This is a ridiculous situation for all local people who are in the process of reclaiming charges. And, just to rub salt in the wounds, they have allowed the banks to keep on charging!!!

 

The majority of the people I have spoken to ( including myself) were not able to afford the court fees to take the claim to the next step. They have had to save every spare penny to raise the £120.00 needed so they could take the bank to court. In some cases where the claim was over £5000.00 they have had to stump up £250.00, something which was very, very hard for these people to find, considering it was the high cost of these charges that have put them in this position. Some even took out short term loans so they could take the bank to court to try and recoup some of these charges. They are now left with no claim, no compensation and hundreds of pounds out of pocket.

Although there may be a slim chance of them being able to recoup some of the court costs, the issue is that they should be allowed to continue with this claim and get their charges back, as have thousands of consumers all over the country.

 

To allow the banks to still charge and not allow the consumer the right to reclaim is against everything the FSA and the OFT and the FOS are supposed to stand for.

 

The OFT web site states :

 

The OFT is responsible for making markets work well for consumers. We achieve this by promoting and protecting consumer interests throughout the UK, while ensuring that businesses are fair and competitive

 

The FSA website states :

 

We have a wide range of rule-making, investigatory and enforcement powers to enable us to meet four statutory objectives summarised as one overall aim: to promote efficient, orderly and fair markets and to help retail consumers achieve a fair deal

 

The FOS Website states;

 

So when we look at a complaint, we give both sides a fair hearing.

 

Protecting consumer interests? - help retail consumers achieve a fair deal? Give BOTH sides a fair hearing? One word that appears in all of their statements is FAIR. How is this fair?

 

How can they be protecting the consumer interest by stopping them reclaiming what is rightfully theirs and still allowing the banks to charge these ridiculously high penalty charges.?

 

I understand that the banks disagree they are unlawful, so why have they kept paying out to consumers at the rate of around £500 million in the last 12 months? This alone should tell the FSA that the consumer has to keep claiming against the banks.

 

This situation alone will save the banks hundreds of millions of pounds, firstly through not paying out claims, not having to pay legal fees and more importantly, due to the Limitation Act 1980, the longer this case goes on the more they will save under the 6 yr rule of the above Act.

 

So, whilst this will save the banks money, the consumer goes further and further into debt by having charges still applied.

 

This is just the tip of the iceberg Mr xxxxx, I am sure there are many more people out there that will be destined for financial hardship as a result of this legislation. Not to mention the hundreds of thousands of consumers all over the country who have started their claims and some may also be made bankrupt by allowing the banks to still charge. All this caused by a regulator who is supposed to have the consumer in their best interest.

 

I would like to see how they explain that this benefits them. The problem with all this is, it was all done behind closed doors for months without anyone knowing except the banks, the FSA , the OFT and the FOS, and then, without a care in the world for consumers or anyone else, put into practice. The nice little arrangement that the banks had already sorted with the FSA, the OFT and the FOS, the three regulators set up to protect the public. Mr xxxxxx, someone is having a laugh at your constituents’ expense and it is not the slightest bit funny for us.

 

I also understand that It could also interfere with our rights under the European Convention on Human Rights directly and as enacted in the Human Rights Act 1998.

 

 

Art.6 1. of the Convention provides that “ In the determination of his civil rights … everyone is entitled to a fair and public hearing within a reasonable time.”

 

 

It is unreasonable to allow an indeterminate stay which depends on some litigation unconnected to the instant case, between other parties who have no relation to the parties in the instant case.

 

It is not clear that the matter will be heard as predicted and in the event that it does go to trial, there could then be appeals and subsequent appeals so that the matter might become protracted and even last as long as 3 years or more – from the date of the commencement of trial.

 

I sincerely hope that you can help us in getting the FSA to revoke this unfair and biased legislation and allow the consumer to continue to fight for what is rightfully theirs.

 

I thank you for you time.

 

 

 

this IS a response from my MP:-Dear xxxx I understand this problem as I have been dealing with it for another constituent there was a court ruling yesterday I am told but I have not yet seen the written ruling can I suggest that if you contact my office next week we can arrange to meet at my surgery please phone my office on Monday on 0207 219 8326 to arrange this Yours Sincerely Lee

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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Great stuff, Maybe the message is being driven home now.

 

 

Woder what the court ruling was they are referring to?

 

On the news:

Repossession are up 30%

Bankruptcies are up

And the banks are making Billions!

 

These claims in their thousands are just what a lot of people need to get their bank account settled and then could possibly avoid future charges. But now all they can look forward to is more charges

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Guys

As before - please could we cut down on unnecessary quoting of long passages? It makes navigating and understanding the thread really heavy going. Cheers!

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Some UK banks reported their half-year financials this week - here's how they did:

 

RBS/NatWest

Half-year profits 11% up at £5.1 billion

 

Barclays

Half-year profits 12% up at over £4 billion

 

HBOS

Half-year profits 12% up at just under £3 billion

 

Lloyds TSB

Half-year profits 15% up at over £2.01 billion

 

Anyone feeling sorry for them? Anyone need another reason to carry on claiming ;)

 

Mac

 

(i'm also going to cross-post this into a thread of its own - everyone should read it and weep...)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Just to let you all know, I have started a new thread for everyone to list all MP's & MEP's etc, that have had emails & letters sent to them.

It would be rather nice to see exactly how many will have been lobbied by us all. Please add their names.

List of MP's etc.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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Great idea Jade! :D I'll go and add mine.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Thanks Mac, the cartoon is ok to distribute now since its my own creation.

 

I hope to do another leaflet but with two highwaymen, one the the bank and the other the FSA assisting the bank, mugging one elderly lady. Hope to make a start today. Oh and the FSA will be riding a donky not a horse.

The Waiver is an FSA Conspiracy with the banks against the consumer - Complain to your MP and the FSA about their shameful act!

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Excellent, kog - can't wait to see it :D I'll make it into a PDF if you like when you've finished. This should give a nice small file size and make it easy to distribute ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Thanks Mac, the cartoon is ok to distribute now since its my own creation.

 

I hope to do another leaflet but with two highwaymen, one the the bank and the other the FSA assisting the bank, mugging one elderly lady. Hope to make a start today. Oh and the FSA will be riding a donky not a horse.

 

what about the FSA holding the old lady's hands behind her back while the banks rob her...

...after all that's what they are doing to us!!!!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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what about the FSA holding the old lady's hands behind her back while the banks rob her... after all that's what they are doing to us!!!!

 

Excellent idea, Peter! What do you think, kog? :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Just a suggestion but why don't we collectively mount a challenge under the HRA? We could cite the parties as the CAG Vs OFT, FOS, FSA etc. Or is the expense and the time scale just too horrendous to contemplate. There are a couple of high flying barristers sympathetic to the underdog who might do it for a reduced cost.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Received a letter today re my complaint from my MP..on house of commons paper...He has raised my concerns with Kitty Ussher MP treasury minister, he will contact me when he has received a response. At least they're listening.

 

Jenny x

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Pete's ideas is very good but my skills are very limited

The Waiver is an FSA Conspiracy with the banks against the consumer - Complain to your MP and the FSA about their shameful act!

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