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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • 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  
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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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