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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Alias on my credit report?


Shutsumon
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I just got through checking my credit report and there's an alias on it and I have no idea who this person is (except that they aren't me). There's no credit checks or debts I don't recognise on the report so I doubt it's a fraud thing. So I'm a little baffled as to where they got it.

 

Thing is this "alias" is my first name and initial with my mum's maiden name as surname. I've definately never used this name. Has my data got mixed up with some other poor bod with a similar name or should I be worried about fraud in spite of there being no attempts to gain credit that aren't mine (and precious few of those due to my history)? Should I try and get it removed? If so how?

 

My mum's name is also linked to mine (not as an alias) on the report which in one sense is fair enough since we were financially related as well as genetically... but she died in 2001, should it still be there?

 

Shutsumon

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The most likely way in which your name is linked with your mum's would be if you and your mum made a credit application (or utilities, mobile phone etc) in joint names, or if you or she acted as guarantor for the other. This then creates a financial link with the other person and their own credit history.

 

Depending on the choice of the lender (and the wording on the application form) your credit applications may then be considered not just on your own credit history but also on those of anyone who you have had a link with.

 

As to why your mum's maiden name is showing - no idea I'm afraid. The CRA should have a helpline where you can query this and hopefull get it resolved.

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The most likely way in which your name is linked with your mum's would be if you and your mum made a credit application (or utilities, mobile phone etc) in joint names, or if you or she acted as guarantor for the other. This then creates a financial link with the other person and their own credit history.

 

Depending on the choice of the lender (and the wording on the application form) your credit applications may then be considered not just on your own credit history but also on those of anyone who you have had a link with.

 

Yeah, that was my summise. She was disabled and I was her carer so we were financially linked due me being on virtually everything credit related she had. Even the loan-o-doom was joint. I was only surprised since she's been dead for seven years. Can you even check a file after the person is deceased? (Though hell her credit rating was likely better than mine is right now).

 

 

As to why your mum's maiden name is showing - no idea I'm afraid. The CRA should have a helpline where you can query this and hopefull get it resolved.

 

Yeah I'll have to do that once I don't have a sore throat. Can't talk at the moment. :( But how will I prove to them that I'm not this other person? I'd never do anything so fundamentally dishonest as apply for credit in a false name.

 

Becky

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Your credit record should have a reference number assigned to it, and they go through very thorough checks so that you say who say you are. In the first instance call them, and see what they can do. They will probably say they need it in writing, but you have all the details anyway, so it "should" just be a formality. Another thing they allow is for you to add a note from yourself, so they might suggest that, but just call and ask for advice anyway.

 

Regards etc...

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I found I had a number of aliases on mine 21 to be in fact.....I emailed experian who were really quite good. Would you believe that a lot of the aliases came from incorrect spelling of my name and the biggest joke was it was Orange PLC.... several times throughout the file registered against me though twice on there they got my name spelt right but still managed to get it wrong at least 8 times. The reference is very handy to give experian, I made a list of each entry giving the ref and they investigated this and got them removed after contacting orange and them sent me an email to confirm this and also advise they would let all companies who had searched my file in the last 6 mths know also.

 

So I would definitely suggest emailing them if you are not in a position to speak!!

I'm fighting back and ready to go :D who will be my first victim? LBL, Brighthouse.

 

..."If you have no confidence in self, you are twice defeated in the race of life."

 

I am not here to insult or offend...just to offer advice and seek advice as all this is a learning experience, such is the cycle of life...for those that would wish to insult me for my thoughts or deeds...Stay Blessed for I know my heart is pure with no ill thought towards YOU. :cool:

Nationwide Won:D Benefits returned £577

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  • 2 years later...

I have just gone through my Experien report & never noticed it before, but my aliases have me also known as my husband! I checked his file & all my debt is on his file too??? None of these debts are joint applications, they are my credit cards & mobile (orange) phone accounts past & present this has made me angry as my husband's credit file is in poorer shape than mine. no wonder I have problem getting credit - It looks very dodgy!

I've emailed Experien with the ref Nos. Can I expect anything more than an apology - who would be to blame for this?

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