A bot has successfully appealed $3M worth of parking tickets in the UK
businessinsider.com
businessinsider.com
The credit agencies, without any legal rationale for doing so as far as I am aware, started to simply ignore letters which they believed were being generated in an automatic fashion. The decision tree is still the same -- it's the law! -- but to be effective at using it you have to phrase your request in a way which doesn't suggest that you are an expert at writing that request (unless you are a lawyer).
The chief objection to decision-trees-as-a-business-model seems to be that the credit dispute industry was crooked-as-a-barrel-of-fishhooks (welcome to consumer credit, hope you enjoy your stay) and successful in getting people to accept terms like "Pay me $2,000 and I will successfully get you off the hook of $8,000 in debt. Although not particularly relevant to you, this will require writing three letters and waiting a bit."
By contrast, fast-forward to last year and at best these companies will only make a 7 or 8% return, barely enough to cover their cost of capital. That return is lowered from the 50% return of the 08-09 era either by the companies bidding against each other and ultimately paying more than the $1,333 for the defaulted debt from the original issuer, or by accepting less than the $2,000 for settling with the debtor. It will not go to zero however - the lower limit is the cost of capital of the companies that buy this debt up.
There is some good news in this space - recent U.S. legislation has targeted some of the shady practices used by these companies (which is one of the reasons we're short the publicly-traded company).
In the long run shouldn't recovering more money from defaulted creditors lower interest rates for people before they default?
(Or is this just "consumer protection in the US does not work", again)
The city after the 2008 crash hasn't automatically revalued property values. It isn't unusual to be paying $8000 in property taxes on a $25,000 house. Investors are buying the houses at tax foreclosure sales, renting them back to the owners and then getting the property tax bill slashed.
Detroit is in dire financial condition, so it would not be surprising if there is reluctance to aggressively adjust assessments. Which isn't meant to justify them not fairly valuing properties, but there is no need for collusion for the situation to arise.
(The main point of my first reply was that the sale of the home automatically triggers the change in taxable value, the buyer doesn't have to do anything)
http://www.detroitmi.gov/Portals/0/docs/finance/Assessment/R...
Now I don't even need to scan my ticket in the app. It searches court records and auto-appeals for me.
I do get a parking ticket now and then, but every one of them was because I ran into a scheduling issue and consciously decided to risk the ticket. And in every case, I could've paid more in advance to eliminate that risk.
I live in New York, and parking tickets make up right around 1% of our city's entire budget, which doesn't seem like a terribly burdensome stealth tax.
Want to pay once and subsequently "feed the meter" twice? Gonna cost 6n vs 3n if you walk back to the meter and pay in person. Want to renew again? Total cost is 10n instead of 4n.
Pretty much everything the PPA does here is direct proof they're not interested in making parking a legal matter so much as a money-extraction matter.
There are also times when avoiding tickets is basically impossible. My local (and relatively large) community college brilliantly decided to do all three of these things at the same time:
1. Close down the third largest lot on campus. 2. Lease out half of the second largest lot on campus to local businesses. 3. Oversell permits for the remaining parking.
As a result, students began parking on the city streets. But the local residents didn't like that, so the city made those streets permit only (and only gave permits to local residents)* . The college's response was "get here early," which at best is not a solution and at worse, exacerbated the problem by making parking even less available in the early parts of the day. Later they added a meager shuttle solution which they didn't even keep for an entire semester (the parking situation lasted for YEARS rather than months because of theft, lawsuit, and resident concerns about the job site).
Frankly, I would be impressed with anyone who didn't get a ticket over that time period and still managed to make it to classes.
Looking further, the local downtown simply has inadequate parking. The downtowns of other nearby municipalities are the same. It certainly makes political sense to keep parking prices low and just ticket the hell out of violators rather than raising prices to keep demand in line with supply and making consumers and businesses unhappy. I'd be very surprised if these municipalities hadn't worked out the math and figured out which results in more money for them.
*Those roads are still (and probably permanently) permit only, so the only ones really suffering are going to be the short-sighted locals.
There wasn't even a parking crisis for local residents. The homes there have multicar garages and driveways. They simply didn't like people parking on "their" street. The streets are wide and the parking space is ample.
They've effectively banned visitor parking in the entire neighborhood. And for families with teenagers and multiple cars, they've got to shuffle cars or keep permits updated for no benefit of any kind.
For example: Seaside Heights, NJ.
A few years back my mom went to the shore and parked in a metered parking area. She put in 2 hours worth of time and went to the beach. She came back 1 1/2 hours later, and the meter was expired with a ticket waiting on her car. She fought the ticket and found out that the meters were broken and running too fast, and the parking officials knew about it.. but continued to write tickets. Their justification was that "All people have to do is dispute the ticket and we will drop the charges." but how many people simply pay tickets without fighting them because of a lack of time? Scumbags.
I haven't seen any if those in ~30 years. All parking here in Sweden give you a paper reciept with the expiration time to place in your windshield.
The online app component seems to have been outsourced and thus has slightly different price structure; it also allows you to extend parking remotely.
It's implemented in Abu Dhabi city proper. I believe Dubai has the traditional ticket-based system only.
The biggest downside to our system is paying via app doesn't reflect on the meter so you see "EXPIRED" making you feel a little uncomfortable about the whole thing. I wonder if they just don't have a way in the infrastructure to update meters over the web.
In many smaller cities, however, they still have old meters that take coins and have a timer. There is really no incentive for small towns to upgrade their infrastructure, as requiring coins probably means they will be able to write more tickets, as people increasingly carry less cash.
I've had two parking tickets in my life, in London. Once, only a few months after I got my licence, I parked for 10 mins in a bay where stopping was allowed, but not at that particular time. Fair cop. I hadn't bothered to read the sign.
The second time, I stopped in a 'loading' zone, where loading is permitted for a certain amount of time. I don't recall the amount of time, but I was within that amount of time. When I challenged the person who had written the ticket, he told me that loading was only allowed for commercial vehicles (which is untrue). I challenged the ticket by post, outlining what had happened, and including the parking attendant's inaccurate understanding of what loading bays are for. My challenge was rejected, and it didn't seem worth my time to continue the process.
NYC is constantly under construction. Signage is blocked by scaffolding, garbage, snow, you name it. I'm sure the residents on the street know exactly where you can and cannot park, but someone unfamiliar with the neighborhood is a target for excessive parking fines. This seems like a patently unfair system that is rigged against tourists and those from out of town.
Disclaimer: I live in CT.
Is it unreasonable? Well, I didn't follow the instructions. But I would argue that it's unreasonable to fail to account for the fact that people can't just drop everything and run around for half an hour trying to get in contact with a parking line. I wanted to just glue a pound coin to the seat, to be honest.
I have qualms with even digital systems too. The one in my downtown area is digital, but you still have to pre-pay for parking. Sometimes I don't know how long I'm going to be at a place, and it's ridiculous to expect people to come down from the top floor of a 6 story building just to "add more" money to a digital parking meter. Why not sign in once when you park, and sign out once when you leave, and just pay for the time you are there?
Anyway, that's my rant.
Hence all the legal forums with "this is not legal advice"
Although of course, this post isn't legal advice. The actual rules are important, far more detailed than what I wrote, and jurisdiction-specific.
The reason why lawyers write "this isn't legal advice" (like I did above) is because it usually isn't and they don't want people to think it is. Although if it is, they could be liable for it and they want to reduce their effective liability by reducing the chance that someone will treat their legal advice as legal advice. Because sometimes it's not about what the law is but about what people think it is and how they react to what you've done.
Google "professional negligence" for more information.
see berghuis (2010) and salinas (2013)
If you end up in court you've done something very wrong.
Or they've done something very wrong. You can usually seek judicial review of government decisions for such reasons as bias ("they have a policy of giving tickets to black people!"), procedural fairness ("I turned up for my appeal but they refused to let me speak!"), or abuse of discretion ("when I turned up for my appeal, they listened to me, then flipped a coin and said that heads meant that I lost!").
Street parking is managed by councils. There are legal requirements for signage and for waiting times before you get a ticket, and you can appeal on either basis.
Off-street parking is often managed by third party businesses, which are various kinds of shady. In some situations there's no legal obligation to pay a fine to the third party. They rely on drivers not knowing this.
There's a separate criminal track where you commit a parking offence, such as obstruction. You can make an informal appeal, but if you want to challenge this seriously you need a very good reason, a good idea of the law, and you may need to attend a hearing.
A bot is ideal for dealing with shady businesses and may make some headway with the council. I can't see it being much use for criminal track appeals.
A more relevant question would be, can the owner/renter of a self-driving car fight the company who sold/rented the vehicle that got a ticket for him/her?
Anyway, my point is that until we have truly, 100% automatic vehicles which take all liability for their actions, vehicles in semi-automatic modes will continue getting speeding and parking tickets.
Back in the 80's at my employer if the traffic wardens where seen one of the messenger boys would be told to drive the partners cars around the block until they had gone
Exactly how are dense and expensive Citys like London and SF going to build those "Huge automatic multi-story parking lots".
My car today already tells me the speed limit. It's based on detailed maps and works great. There are many challenges to self driving cars, knowing the speed limit isn't a huge one. If anything autonomous cars are the opposite of speed demons.
However , I don't think you can code something to solve the trolley problem.
I found the titles that I was looking for:Universal moral grammar: theory, evidence and the future;Moral Machines: Teaching Robots Right from Wrong