Unfortunately, I wasn't a customer at the hotel. The driver of the car was conducting interviews at the nearby job centre and couldn't return to the car within the time they had paid for. Just seems excessive to charge £100 for 20 minutes parking with 6 hours already paid for.

Anyone......?

Hi there. I received a NTK dated 27th August for staying in the car park at Ramada Hotel, Solihull for 6 hours 20 minutes. I can confirm that the driver (unidentified) had purchased a ticket from the pay and display machines for a period of 6 hours. The driver was unable to return to the vehicle within the time period due to being in a customer interview. I know that POPLA do not always consider personal circumstances in appeals, so I will attach documents for your advice. I appealed using the Parking Eye online form, but it had came back unsuccessful, which I am not surprised really. Regardless of the terms and conditions within the car park, the signage from a drivers point of view are unclear and as far as I can tell, there is no landowner authority. Having said that, there are terminals within the hotel, which suggests that Ramada has given permission to operate the car park. Any advice would be greatly appreciated. Many thanks. Link to photos of drivers eye view at entrance to car park is here... https://postimg.cc/gallery/ljwmv3ao/ Parking Eye Reject.pdf Parking Eye NTK REDACTED.pdf

Apologies to everyone for the delay in coming back. We've been on holiday for a week in the sun, so have been off line for a while. Telephone hearing with independent adjudicator was today, and we won. The council did not take part in the tribunal and we won on the basis that they accepted the payment as full and final settlement. I believe this was a fair telephone hearing and a victory for the 'small man'. I won't post any transcripts unless asked for in order to help others. At the end of the day, we did not have any issues with the PCN being issued, it was the way in which the council conducted itself after banking the cheque for the original payment. Many thanks to all who advised on my original post.

Many thanks everyone. I've submitted the appeal to the traffic penalty tribunal on the basis that BCC have accepted the cheque payment. Will I succeed? Genuinely I'm not sure, but looking above, there is hope and I have nothing to lose. As I said at the start, there was no issue with how the PCN was issued. Its the way the council dealt with things after processing the cheque payment. Many thanks again.

I don't know for certain. Its only what the council said. The cheque payment was sent the previous day, the 19th as far as I remember. My wife dealt with this, so between me and this forum, I'm not certain.

Just figured out how to do this. Amended versions attached this time. Many thanks. Birningham Car Parking Reject.pdf BCC_Notice_to_Owner_-_redacted.pdf

Hi there. My wife, received a PCN for parking in an area, which was permit holders only from 11am till 12pm on 07/5/19. She returned to the car at 11.16am to find the PCN attached to the car. The PCN was correctly issued, so there is no issue with that. Due to financial circumstances at the time, she sent a cheque to Birmingham City Council with a postmark dated 20/5/19, which cleared our joint account on 28/5/19. This was for the discounted amount of £35. In our opinion, this was sent well in time, considering the time elapsed for first class post and allowing for cheque clearing times. We thought this penalty charge notice was cleared with no further action. We then received a Notice to Owner dated 11/6/19 stating that no payment has been received or any payment received has been insufficient to clear the penalty charge. There was no acknowledgement of the payment that had been made. My wife made the appeal to Birmingham Council on the basis that the cheque had been processed, but this appeal had been rejected on the basis that the cheque wasn't posted in time. A further payment of £35 would now be due. I am aware that council tickets are payable, but I see there is an opportunity to refer this to the traffic penalty tribunal, but only under strict guidelines. Is this one worth pursuing, or do I just bite the bullet and accept there is no escape from this one. Thank you. BCC Notice to Owner - redacted.pdf Birningham Car Parking Reject.pdf

Not sure what GPEOL means? As far as I am aware, the driver (still not identified) would have paid for parking using the Ringgo app, which adds extra onto the car parking charge.

Many thanks ericsbrother. I've just looked and you can pay for 24 hours, so I would struggle on that one. Just a thought though... Checking through, the notice just stated the location as Institute Road, Kings Heath. Please correct me if I'm wrong, but the location should be stated as Institute Road car park. A search of google maps tells me that the road, Institute Road is a distance of 0.31 miles and is not managed in its entirety by ECP. Only in the second paragraph of the NTK is there reference to any car park. Would I be right in being able to use this in any appeal to POPLA, and also the perceived cost to landowner of overstaying by 40 minutes? I do not believe that this is a fair and proportionate cost for the landowner.

he parked in the ECP car park and paid for 4 hours by using the Ringo app. Due to commitments at her work, she was unable to return to the vehicle, or extend her time. The ANPR clocked the car leaving the car park some 40 minutes after the ticket expiry time. The first we knew about it was when the NTK arrived. She did attach photos of the car park signage to the appeal letter, which I can attach in a minute. Appeal letter attached here, along with reply/reject from ECP. Unfortunately, my wife wanted to save me some work by doing the research and doing this appeal. Seems to have ultimately created me more work in researching before submitting to POPLA. Photos attached. There is one more photo, but I'm limited to size. I will also reply to the thread quoted as the first answer to my thread. ECP Reject redacted.pdf ECP Appeal Letter redacted.pdf Car Park photos of signage attached. Car_Park_Photos.pdf For PCN's received through the post [ANPR camera capture] please answer the following questions. 1 Date of the infringement 15/5/2019 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22/5/2019 3 Date received 23/5/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Not sure as original lost 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] Y - have posted earlier in thread Have you had a response? [Y/N?] post it up Y - have posted earlier in thread 7 Who is the parking company? Euro Car Parks 8. Where exactly [carpark name and town] Institute Road, Kings Heath, Birmingham For either option, does it say which appeals body they operate under. BPA Photo attached of signage. I had problems with this image, but figured it out now. Hopefully this helps. Signage.pdf Just found the original NTK........ At last ECP NTK.pdf

Hi there, my wife received a NTK for overstaying car park... 'Breach of Terms and Conditions. She made her appeal to ECP, but it came back rejected. At no time has she identified herself as the driver, just herself as the Keeper. I know the driver purchased a ticket valid from 1333 and expired at 1733. ANPR stated that the vehicle entered the car park at 1329 and left at 1808. So, as the keeper, she is being chased for £60 (discounted) or £100 (full cost for a period of 39 minutes. She submitted an appeal using a template found on a similar website, but surprise, it came back rejected. I have a POPLA code and intend to appeal online on her behalf Its just what category is best to use, and what detail I need to put in the box. I won't attach any documents to this post, as I'm sure they are similar to most that have been uploaded already. The research i have done so far has led to confusion, hence asking directly. Only snag is that she has lost the original NTK, so all I have to post (if need be are her letter of appeal and the rejection letter from ECP - both redacted. Thank you.

Hi there, I had a letter from these guys asking me to contact them on a Freephone number. The letter states that they have confidential information that they feel I should be aware of. When calling, they ask me to quote a personal reference number. I've looked at their website and they look like consumer audit service, consumer rights, credit loss adjusters, inheritance administrators. to be it, looks like one of these PPI types, or other miss-sold products etc. Website is http://www.buchanandrummond.co.uk Anyone had any communications from these people? Many thanks.

Long story short... My son has set up and abandoned xbox accounts more times than I've had hot dinners. Trouble is he has set up monthly game passes on at least two of those. He has removed details of most accounts from his xbox, so I cant trace which account has the monthly subscriptions on. I have been debited for one subscription on my own debit card, which was for a trial my son started in December. I opened a teenage bank account in February this year with his own debit card. He used this for another subscription. My son cannot remember which accounts he has used. I've been on phone to bank but they advise contacting xbox. I try xbox live chat, they give me a phone number to ring. I ring that, spend half hour on phone on hold and am then cut off. I cannot find a direct email address to raise an issue with them. Seems I am stuck unless there is someone with the expert knowhow to resolve this. It seems it is easy to cancel stuff when you know account details. However, son is High Functioning Autism and suffers from extreme anxiety when asked about this. He is unable to take responsibility for this so I could really do with some help to sort this out. Many thanks.

Many thanks both. I’ve escalated thus to the FOS, so we’ll see how I get on. Fingers crossed eh!

Hi there, I have had a total of seven loans with Sunny and have submitted complaint for irresponsible lending. They have partially upholded complaint and have agreed to refund interest and charges on two out of seven loans, plus 8% statutory interest. They have also agreed to remove details of two loans from credit files. This still leaves five loans showing on files. All loans are settled. have a number of complaints open with other lenders, two of which have asked for bank statements and copies of Credit files (another issue). Should I accept Sunny response, or should I escalate to FOS? This is a partial success and best result so far, but I am trying to sort out Credit files for good with no future ‘bad’ borrowing. Just wondeered what you guys think. Many thanks.

I’m following this as my interest was also front loaded and I have entered into a DMP with StepChange. I would agree that other creditors had frozen interest whereas Satsuma will end up receiving all their interest due to front loading. I will be interested to hear anyone else’s thoughts on this.

I've been following the thread with interest as I have had a number of PDL's over the years - some of which I am repaying through StepChange. Well done for getting all that money back - definitely an inspiration. I will certainly look into this and see what interest I have actually paid out in PDL's. Just out of interest, how far can a I go back with this?

SAR has been sent to NRAM last week - also to original IVA provider. I am keen to find out whether NRAM should have been included in original IVA, and also to investigate/reclaim fees etc.

Hi everyone. Its been a while since I've been on, but I've being doing some research in the meanwhile. To cut a long story short, NRAM have now placed my account on an 'Interest Forgiveness Concession Arrangement'. They have agreed to reduce the interest (haven't said by how much). They have also accepted my payment offer of £194 per month for the next year, and have confirmed that my overall balance will not increase over the next year. This has been a long road to get to this point, and is not over yet, but this is a MASSIVE step forward. I don't know if anyone else has been offered this arrangement, but it could potentially open a can of worms against NRAM.

Hi everyone. Its been a while since I've been on, but I've being doing some research in the meanwhile. To cut a long story short, NRAM have now placed my account on an 'Interest Forgiveness Concession Arrangement'. They have agreed to reduce the interest (haven't said by how much). They have also accepted my payment offer of £194 per month for the next year, and have confirmed that my overall balance will not increase over the next year. This has been a long road to get to this point, and is not over yet, but this is a MASSIVE step forward. Many thanks for all your help and advice so far.

Any ideas anyone.....? Many thanks.

Morning all. Many thanks dx for sorting out the threads for me. To be fair, it does keep it all together. Does anyone have any thoughts on the NRAM situation? Whether to go for an IVA or whether there is another way of dealing successfully with NRAM?

Same here with the interest rate. I've been trawling for some time now, but to no avail. If anyone has any joy, we would love to know.

Hi everyone, I've just sifted this thread and share the views mentioned so far. One question I have is the one of the extortionate interest rate charged since delinking. We are all in the same boat in that current lending conditions prevent anyone with a large NRAM debt to get a mortgage elsewhere. My wife has suggested getting an IVA, but surely there must be some way of properly challenging NRAM to get this mess sorted out.