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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Experian - Incorrect information


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I have had incorrect information placed on my credit file in the past and it has taken me months to get it removed. How can experian (and others) just take other peoples word that we have defaulted etc. when in some cases we have never had any dealings with the company?

 

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can you explian what was wrong with what I said?

 

I'll say it again in fewer words -

 

 

How can 'one' put incorrect information on someone else's credit file? Be it a senior person at one of the large utility companies or cc companies etc. and then make them prove it was wrong before I see fit to remove it?

 

Do i need a consumer credit license or something?

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Form your own limited Company. There are firms that will do this for you for about 100 quid if you Google 'Company Formations'. You can have your own registered office at an address you've probably never heard of, and don't even need to visit if you don't want to.

 

You can then get a Credit license from the OFT for about 485 quid in the name of your limited company, a data processing cert, and then register with the CRA's. You might even want to join an industry body to give your 'firm' some credibility.

 

Let the fun begin. You can phart about with peoples credit records to your hearts content, hold people to ransom and pursue for that 137.10 they owe for some books/CD's/strippogram they had 4 years ago at a previous address....the world is your lobster.

 

You only have to hope your victims haven't found CAG yet, and you're on a winner. It's the fastest growing and most successful section of financial 'recoveries' at the moment. When the going gets tough, the tough get going, by declaring the Company bankrupt and hopping it to Brazil or Paraguay. You might get your photo on Crimewatch but by then you'll be too rich to care about being (in)famous as well!!.

 

 

PLEASE NOTE: I'm joking. That would be highly illegal.... and it wouldn't work anyway, so please don't try.....and I'm NOT suggesting DCA's are bent....just a joke everybody ;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Form your own limited Company. There are firms that will do this for you for about 100 quid if you Google 'Company Formations'. You can have your own registered office at an address you've probably never heard of, and don't even need to visit if you don't want to.

 

You can then get a Credit license from the OFT for about 485 quid in the name of your limited company, a data processing cert, and then register with the CRA's. You might even want to join an industry body to give your 'firm' some credibility.

 

Let the fun begin. You can phart about with peoples credit records to your hearts content, hold people to ransom and pursue for that 137.10 they owe for some books/CD's/strippogram they had 4 years ago at a previous address....the world is your lobster.

 

You only have to hope your victims haven't found CAG yet, and you're on a winner. It's the fastest growing and most successful section of financial 'recoveries' at the moment. When the going gets tough, the tough get going, by declaring the Company bankrupt and hopping it to Brazil or Paraguay. You might get your photo on Crimewatch but by then you'll be too rich to care about being (in)famous as well!!.

 

 

PLEASE NOTE: I'm joking. That would be highly illegal.... and it wouldn't work anyway, so please don't try.....and I'm NOT suggesting DCA's are bent....just a joke everybody ;)

 

 

Woohoo, show time. I have dormant LTD companies waiting. Oh what fun I will have with this info.

 

Hey, new business idea - £10 to put a default on someone who has pi**ed you off! I'll be rich :grin:

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Woohoo, show time. I have dormant LTD companies waiting. Oh what fun I will have with this info.

 

Hey, new business idea - £10 to put a default on someone who has pi**ed you off! I'll be rich :grin:

 

I hope you've not taken that seriously wotnot!!

 

If you have incorrect info on your file, they will normally only change it if you sort it out with the company that put it there in the first place.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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True, been there. But have you tried talking to some of these companies? They dont give a ***t. I would just like to do what they have done to me, and many others. Then make them beg and send faxes, letters, emails and more letters until I finally say oh, ok sorry its taken months but we will remove it from your file. Then do nothing for another 4 weeks until they start screaming down the phone etc. etc.

 

How can they say you're guilty until you prove yourself innocent? (which is sometimes harder to do when you have never heard of them!)

 

I had a tenant once who moved into a property then called up all the utility companies and said he was moving out and to put all the bills back into the landlorsd name (me). In the meantime I had to evict him for non payment of rent only to find this out whenI was notified that one of them had a ccj against me. Guess how long that took to sort that one out.

 

(ccj removed now of course)

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can you explian what was wrong with what I said?

 

It is illegal what you are proposing and would in all likelyhood result in you being sued for damages.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Dannyboy

Just to pick you up on one point - you said it would be highly illegal, are you saying that what they are doing is illegal?

 

Or have they made a mistake - which is what I (and others) could legitimately do? (if we had such a company of course)

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Thanks Rory, does that mean I can sue for damages against the company in question?

 

 

BTW I'm joking about starting a company but it just annoys me that this is allowed. Anyone had similar experiences?

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does that mean I can sue for damages against the company in question?

 

Yes if you can quantify the damage.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Well it did put on hold two months of house buying whilst I sorted out the two defaults from B**t*sh G*s (that had absolutely nothing to do with me - old rental property years ago). But I guess as house prices are going down they actually saved me some money :grin:

 

Oh yes and three of my credits cards effectively reduced my limits to near zero when I paid them off in full (as usual) due to information from Experian they said, but no loss there!

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Dannyboy

Just to pick you up on one point - you said it would be highly illegal, are you saying that what they are doing is illegal?

 

Or have they made a mistake - which is what I (and others) could legitimately do? (if we had such a company of course)

 

What they are doing is not necessarily illegal unless they have knowingly recorded false and/or inaccurate information on your credit file. To prove they knowingly recorded this false information is likely to be nigh on impossible, as unlike the consumer they are considered to be innocent until proven guilty. They have a myriad of excuses to fall back on, including the old favourite they were acting 'in good faith' on information which they now know to be inaccurate. It could be a genuine mistake.

 

If a DCA 'phones you demanding money on a debt and threaten you with court, - if they have not, and later can not, produce an enforceable agreement along with proof of their legal right to collect they are (in old fashioned blurb) 'demanding money with menaces' which is illegal, the correct legal 'instruments' must be in place before recovery attempts begin...but how many people would be able to prove it in a court??

 

 

I do know how you feel. It was being hassled for a debt that wasn't mine that brought me here in the first place, and it is very much an uphill struggle.

 

All the best.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Cheers Danny, I know what your saying but this thread been a laugh tonight (Brazil does sound good though!). Thanks to Rory too (and thanks for your supportive advice on other matters, appreciated).

 

Its a shame this goes on, they should be held accountable - what I mean is that experian should remove any information that is disputed until the person who put it there proves its correct, not the other way round.

 

Anyway enough said, unless others have similar experiences?

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