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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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CAG CRA S.A.R Club


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If I wanted to S.A.R - (Subject Access Request) a Credit Reference Agency - Experian is the one I have in mind right now, as "SCOR – Access to full data is now available to all DBSG Members. Get maximum benefit." - will be a Focus Session led by the Director of Regulatory Affairs, Experian, at a beanfeast for Debt Collectors everywhere in September... And Experian - aka 'CreditExpert' is advertising everywhere with it's one month 'free trial' credit report for Consumers all over the World Wide Web it seems...

So, if I wanted to get all of the information they hold about me, including who they have divulged ('shared') this information with, and why - as I think is my right, how would I word the request, anyone?

I'm thinking it will cost me £10.00.

I'm thinking it would be worth it.

Debt collectors appear to have more access to data about me than I do.

After that it'll be Experian and CallCredit. But Experian seems the most timely right now.

Any help with the wording would be much appreciated! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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There have been a couple of other CAGers that have S.A.R - (Subject Access Request)'d the CRA's and received a shed load of paperwork.

It's on my list for the next project once I have everything under control ;)

Sosumi, I'll happily move up my plans if you want some support.

We can both attack this.

Be VERY careful whose advice you listen too

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There have been a couple of other CAGers that have S.A.R - (Subject Access Request)'d the CRA's and received a shed load of paperwork.

It's on my list for the next project once I have everything under control ;)

Sosumi, I'll happily move up my plans if you want some support.

We can both attack this.

Do you know the thread CB coz this is also gunna be one of my missions. Would be interesting to see what someone else has said about it :-|

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CB, I'd really appreciate it. :) It disgusts me that DCAs should have greater rights than I do over my personal information. And that anyone who answers an advert for a free credit check, is then at risk of having their personal data exposed to the nastiest groups of people I've ever encountered!

It's a Catch-22. You're struggling with your finances, worried about your credit rating, there's a company offering a free credit report, you take up the offer and... just like that, Grubb and Co. can have a good look through your credit file, see what might be worth chasing up! Stands to reason that anyone struggling with money will take up a free offer, equally likely that they'll fall behind in payments, and... bye bye data protection!

It really would be worth a tenner! You know the Law CB, it'd really help! :D

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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CB, I'd really appreciate it. :) It disgusts me that DCAs should have greater rights than I do over my personal information. And that anyone who answers an advert for a free credit check, is then at risk of having their personal data exposed to the nastiest groups of people I've ever encountered!

It's a Catch-22. You're struggling with your finances, worried about your credit rating, there's a company offering a free credit report, you take up the offer and... just like that, Grubb and Co. can have a good look through your credit file, see what might be worth chasing up! Stands to reason that anyone struggling with money will take up a free offer, equally likely that they'll fall behind in payments, and... bye bye data protection!

It really would be worth a tenner! You know the Law CB, it'd really help! :D

I SECOND THAT :mad:

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renegotiation, that's not really a worry as we have the tools and knowledge to deal with that eventuality ;)

 

This has already happened to Dobby, when they requested the simple report anyway.

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Be VERY careful whose advice you listen too

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So in a sense if you haven't accessed your credit report for a long itme you would be better off just getting a simple credit report and then SARing the CRA a month later or something. That is if you wanted to know what they are doing with your data in relation to DCA's I mean.

What sort of world do you want your kids to grow up in?

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Be VERY careful whose advice you listen too

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Thanks CB - DebtMountain's thread looks good to me :)

Jotty's post (8) where Experian states, in reply to a request to have info. removed:

"Experian do not hold copies of the contracts you have signed, which will include your permission to share this information with credit reference agencies. In order to obtain a copy of this information and any further details of an account you will need to contact the companies directly at the addresses provided on your credit report."

 

"We do not hold copies of the information for similar reasons to why we cannot check the uthentisity of each search recorded on your credit report, the strict terms and conditions that we have in place are considered to be sufficient for us to ensure that the companies using our services are only recording legitimate information."

Hmm.

Again, to quote the subject of one themed event in the forthcoming..

Debt Collection, Debt Sale & Purchase Conference 2007

Setting the Standards..

Annual Conference & Exhibition 2007

OPEN TO BOTH MEMBERS AND NON-MEMBERS OF THE ASSOCIATION

'The Definitive Conference for Anyone Involved in the Credit Collection and Debt Sale and Purchase Industry"..

.. Day Two, Focus Sessions, Theme 1:

11.15 am:

..."SCOR – Access to full data is now available to all DBSG Members. Get maximum benefit."

Hmm.

 

Wouldn't I be right in thinking that CreditExpert (Experian) is projecting itself as a service for the consumer?

And yet, here's their Director for Regulatory Affairs, hosting a Focus Session on the fact that members of the Debt Buyers and Sellers Group (which, as we know, has some distinctly dodgy 'members') can now have full access to data as defined here:

Steering Committee on Reciprocity (SCOR)

I quote:

The UK finance industry established the Steering Committee on Reciprocity (SCOR) to develop and oversee documented guidelines on the use and sharing of credit performance and related data on individuals. SCOR consists of representatives from the CML, British Bankers Association, the Finance and Leasing Association, the Mail Order Trade Association and the Consumer Credit Trade Association, together with representatives from the credit reference agencies (CRAs) Experian, Equifax and Callcredit.

 

SCOR produced the Principles of Reciprocity (the Principles) after consultation with financial trade associations and regulatory bodies. The Principles set out the rules for the recording, supply and access of credit performance data shared through the CRAs. The 'Governing' principle is that data should only be shared for the prevention of over-commitment, bad debt, fraud and money laundering, and to support debt recovery and debtor tracing, with the aim of promoting responsible lending.

Hmm.

 

So that will be quite a topic for discussion, then?

Will it be based on the assumption that Debt Buyers and Sellers are 'the good guys', and people in debt are 'the bad guys'?

Or will they be skipping morality due to time constraints and just getting into the information they can 'share' with Debt Buyers and Sellers?

I sense a real conflict of interest here.

Particularly when you notice, just to get a 'feel' for these 25-minute 'sessions', that the session following is called:

"Assignment of Debts - Rights and duties, Section 77, 78 & 79 and all that.

What to watch out for under the Consumer Credit Act in Debt Sale/Purchase Transactions."

 

Hmm.

 

I'm biased. I've had years of experience with one of the most vulnerable groups of people in society. I know - from my own experience - that when you're suddenly hit by a financial crisis, you look for people to trust. Not just people, but organisations... You ask for help, or go under.

But I'm becoming more and more aware of the fact that, in the 'debt business', presentation is everything, and trust is just something that DCAs play with, to get an 'advantage'.

So, when an organisation presents itself as something that enables a consumer to better understand what information is held about them, but also presents itself as some kind of 'information highway' to very, very questionable agencies... my hackles rise.

Anyone who's suffered mental illness - many illnesses in fact - will know just how difficult it becomes to get life insurance. Understandable or not, it makes you very touchy about who has access to your personal data. If a company presents itself as a consumer service, prides itself as having integrity, then shows how poorly that service is regulated by the records held - or rather the 'sources' of such information...

Well, it makes you wonder.

 

It just so happens that I'm due to write an article in September.:)

Wonder what I'll write about... ;)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hopefully this will link to ODC's post here:

Re: 3 CCA's sent 10/7/07 and confirmation of statue barred post 41:

Quote:

Originally Posted by vogelrok viewpost.gif

can they put a default against me on my credit report if they cant prove they own the debt legally. ??????

 

Unfortunately they can and do. I think someone should have a go at the CRAs as they are obiged to ensure taht all the info they hold on you is accurate and up to date. However the reality is that they take the word of a scummy DCA before yours:evil:

Out visiting family earlier, but between now and Monday I'll SAR Experian. Special Delivery Monday.

Tried the SAR generator, but there's no CRA SAR to generate! So I'll go by the template. Or alternatively say:

"Give me everything, you b*****s. I want all my information. Every bit. And tell me who you've shared it with. I'm enclosing ten quid but I tell you now, I think this information should be free to the data subject. And after the other 2 SARs to CRAs, making these requests free of charge will be next on my to-do list. Then I'm checking out the Land Registry. Bit of a free-for-all with you lot right now, ain't it? Things will change!:x"

Oh alright, I won't put that. BUT I WANT TO!!;)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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For the SAR I think it's a simple case of asking for all documents and notes concerning all activity concerning us.

So the bank one should do as a template: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

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Be VERY careful whose advice you listen too

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:) Thanks CB - when you say 'us' does that mean I can ask for one covering both hubby and me? Sorry if this is already in the links you provided but I'm drowning in a sea of papers here!! :D

Will be more organised tomorrow. :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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subscribing with great interest, yet confusion. i recently signed up to the free credit report with experian and have since been bombarded with emails offering loans and the like. its really annoying. i am interested in joining you on the S.A.R campaign, but am wondering where it is leading. what are we hoping to achieve from it? sorry if i sound a bit dim, but i want to know the plan before i begin. is it simply to stop the unwanted correspondance, or is there a bigger picture?

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Just where in the legislation do we actually give our express written permission for Experian et al to share our personal Data. I certainly never did yet they seem quite happy to pass it to any ****** from their friends in the DCAs to use for whatever purpose. Its not the first time a DCA has threatented to DEFAULT me because ''WE CAN''

 

 

BARSTEWARDS the lot of them

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subscribing with great interest, yet confusion. i recently signed up to the free credit report with experian and have since been bombarded with emails offering loans and the like. its really annoying. i am interested in joining you on the S.A.R campaign, but am wondering where it is leading. what are we hoping to achieve from it? sorry if i sound a bit dim, but i want to know the plan before i begin. is it simply to stop the unwanted correspondance, or is there a bigger picture?

Def. a bigger picture Lolly. Credit Reference Agencies advertise their services to consumers, as a means for consumers to become better informed about their credit status, and what information is recorded on their credit file. But when you take up the 'offer', the credit file is 'flagged' that you've just accessed your own information, thereby letting all the types that you've just mentioned have a good look at your credit file, send you all the stuff you've also just mentioned. Catch-22. Debt buyers and sellers are particularly keen... potential custom! Ack!

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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subscribing with great interest, yet confusion. i recently signed up to the free credit report with experian and have since been bombarded with emails offering loans and the like. its really annoying. i am interested in joining you on the S.A.R campaign, but am wondering where it is leading. what are we hoping to achieve from it? sorry if i sound a bit dim, but i want to know the plan before i begin. is it simply to stop the unwanted correspondance, or is there a bigger picture?

subscribed.gif"warning" Requesting Credit Ref Gave Me Nothing But Trouble !! Take a look at my thred Lolly as this also happened to me :-x

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:) Thanks CB - when you say 'us' does that mean I can ask for one covering both hubby and me?

 

sosumi, remember that DPA covers individuals, so you'd have to do one each with TWO lots of fees as well.

Be VERY careful whose advice you listen too

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CB, just been reading one of the links you put on here... O.. M.. G..:eek::D

http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html

Looks like we could really pin them down??:D

Right, cleared up all the letters etc., settled down a bit (too much sun yesterday!)

Thanks for the note about the SAR being for each person, rather than both of us. Hubby's not as bothered as me (plus mine poss. involves medical history), so I'll just go for mine. I'll put the SAR on here in a bit, to make sure I've got everything right.

 

Also, I thought last night - particularly in relation to Experian, what about the Advertising Standards Authority? Like in Dobby's thread, I think we're being misinformed about what happens when we search our own records, and the CreditExpert (Experian) advert is everywhere I look these days!

http://www.asa.org.uk/asa/

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Sosumi, I agree, we have been lead to believe that the CRA's are working as an independent body, but from experience here that just isn't true.

There are DEEP links between the CRA's and collection industry that simply shouldn't be allowed.

The number of times there are posts where people have checked their file and DCA's have come knocking or they simply trawl through our records is scary. This whole thing smacks of MASSIVE breach of the DPA and hopefully this action should go some way to uncovering that.

 

If it does I think that our next course of action should be a serious complaint to the appropriate bodies. Now I wonder if the FOS would be interested ;)

 

Hopefully with all the good work that CAG is doing the financial industry as a whole will get the wake up call that they need.

 

Post your S.A.R - (Subject Access Request) when you're done and we'll have a look.

I've been thinking along the same lines as well.

Something short and sweet and too the point I believe is in order.

Be VERY careful whose advice you listen too

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