Norfolk Parking Enforcement — Parking Charge Notice... What Do I Do?!

zzzLazyDaisy

nigelbb wrote: »

Recent consumer legislation has banned excessive card processing charges so now you can only be charged what it actually costs.

http://www.bbc.co.uk/news/business-22042309

Interesting - an extract from that article says

For example, according to the Office of Fair Trading (OFT), someone spending £100 on a travel ticket could expect to be charged 53 pence extra if using a debit card, or £2.10 if using a credit card.

SOoooooooo....... someone spending £100 can expect to be charged £2.10

Yet pay a £60 scam fee, and the cost doubles to £4???????

I wonder if this comes under BPA's ban on punitive and unreasonable charges (not to mention unlawful, by the sound of it).

Edit re-reading the article, some sectors are excluded, including property. I wonder if the PPCs fall into that category as some sort of property management?

Buzby

Actually - it is not across the board, different industries have different periods of time to comply.

Just find the one that includes PPC's. Small Firms are also excluded ATM, so a small PPC would not be breaking any rules.

Hyperspeed

nigelbb wrote: »

Recent consumer legislation has banned excessive card processing charges so now you can only be charged what it actually costs.

zzzLazyDaisy wrote: »

Interesting - an extract from that article says

For example, according to the Office of Fair Trading (OFT), someone spending £100 on a travel ticket could expect to be charged 53 pence extra if using a debit card, or £2.10 if using a credit card.

SOoooooooo....... someone spending £100 can expect to be charged £2.10

Yet pay a £60 scam fee, and the cost doubles to £4???????

I wonder if this comes under BPA's ban on punitive and unreasonable charges (not to mention unlawful, by the sound of it).

Edit re-reading the article, some sectors are excluded, including property. I wonder if the PPCs fall into that category as some sort of property management?

Interesting. Is there a way to find out what card processing rates are for companies like this then?

Hyperspeed

Buzby wrote: »

Actually - it is not across the board, different industries have different periods of time to comply.

Just find the one that includes PPC's. Small Firms are also excluded ATM, so a small PPC would not be breaking any rules.

Regardless, would it still count as a punitive charge if proved to be higher than the processing rate? I'm guessing not, because it's not the sole payment method available.

nigelbb

Hyperspeed wrote: »

Interesting. Is there a way to find out what card processing rates are for companies like this then?

I take very occasional payments through WorldPay from customers & we pay 2.75% which is high but we are PAYG customers as our transaction volume is so low so are not paying a monthly fee like those taking regular card payments. Even PayPal only charge 3.4%.

Hyperspeed

nigelbb wrote: »

I take very occasional payments through WorldPay from customers & we pay 2.75% which is high but we are PAYG customers as our transaction volume is so low so are not paying a monthly fee like those taking regular card payments. Even PayPal only charge 3.4%.

Interesting. Yeah, I've never heard of rates as high as the ones quoted on this PCN. I'm gonna look into this

Orrin

Hyperspeed wrote: »

Interesting. Yeah, I've never heard of rates as high as the ones quoted on this PCN. I'm gonna look into this

It would be worth a complaint to the BPA and Trading Standards perhaps but don't expect much to be done about it.

There was a thread over on pepipoo where someone complained about credit card processing charges at Luton Airport and Trading Standards said the charges probably did contravene the new regulations but enforcement wasn't a priority given their limited resources.

Hyperspeed

Just received the first letter from them. Today happens to be the last day in the 28 day period they have to send a letter following sourcing DVLA information. What can I do guys?

nigelbb

Hyperspeed wrote: »

Just received the first letter from them. Today happens to be the last day in the 28 day period they have to send a letter following sourcing DVLA information. What can I do guys?

What's the date on the postmark? It's deemed to have been delivered two working days after posting. If it should have been delivered on 18th September but it was postmarked or dated on 17th September then unless they sent it signed for they have no way of disputing if it were subsequently claimed that it didn't arrive until 19th September i.e. one day too late.

Hyperspeed

nigelbb wrote: »

What's the date on the postmark? It's deemed to have been delivered two working days after posting. If it should have been delivered on 18th September but it was postmarked or dated on 17th September then unless they sent it signed for they have no way of disputing if it were subsequently claimed that it didn't arrive until 19th September i.e. one day too late.

Thanks for your reply! It is dated Sept 17, however, I believe the BPA rules state it must be sent within 28 days, not received by the keeper within 28 days.