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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • 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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      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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Finally out of debt - but AWFUL credit rating


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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Q1. No not dramitically or quickly, lenders look at a minimum of 3 and up to 5-6 years of good credit management,

coupled with their own unique inhouse methods of viewing apllications.

Q2. You are correct no chance, then you need to build a new credit profile over at least 3 years.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Might be an idea to check Experian (Credit Expert) as well.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Q1, No not dramatically or quicly, you will need to rebuild a credit profile for at least 3 years after the defaults are removed.

Q2, Correct no chance until these are removed then the same a Q1.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi,

 

Many banks update credit reference agencies, so if you have a current account and keep it out of an overdraft this may help. Also if you have a mobile phone contract that you keep running or similar it will show on a credit file. These wont help you much due to the negatives, but they will show that they were kept in goodstanding after the other debts were cleared. In time your credit history will start to clear but this will take years.

 

Please do not think that I am insulting you (I too have had the same problem as you) but it may not be the end of the world that you are unable to get credit. If you have had difficulties and sorted them then it is a relief. Being unable to get credit isnt nice but it is better than getting into further troubles.

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Just one point ALL banks update credit filesand monitor their clients files if necessary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i can only say that your rating will improve over time but it does take a while, once debts are satisfied, if you are looking for credit you will find it hard to get at the moment and the more requests you put in the worse it will look on your score.

I got a subprime credit card while my score was not to good, paid it regularly and now have a good rating and cards etc with main stream lenders but it has taken a few years.

If I have been of any help, please click on my star and let me know, thank you.

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  • 2 weeks later...

three threads merged

 

plese keep to ONE thread per issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The problem of building a better CRA file now is the

fact that whatever an individual tries to do to improve

their credit status the major lenders are increasingly looking

for longer than the once standard 3 years of credit history

when deciding if to loan or not, so the length of time needed

to reach a level that will give even a ''good'' chance on be

accepted increases in proportion.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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