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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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'C.R.A.'s Archiving Our Data Over 6 Years Old'


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This thread has emerged out of Sosumi's 'C.A.G. S.A.R. Club' thread and would likely have never started without it. Sosumi's thread got so big and branched off in so many directions it probably got a little confusing for any new viewer that wanted to trace back issues with clarity. So, appreciation to sosumi for this thread. It was in the said thread that I asked the following question:

 

Can a CRA legally hold (even if not visible on your file) information on you over 6 years old if you are determined to not let it do so? I mean going to court if it comes to it basically.

Edited by renegotiation
New thread created out of much longer and older thread.

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

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It's a long thread! The answer might be in it somewhere I know. Can a CRA legally hold (even if not visible on your file) information on you over 6 years old if you are determined to not let it do so? I mean court if it comes to it basically.

 

It's my view that they never delete anything - it's just removed from view.

 

Proving that would be almost impossible, unless you could find a whistleblower to give you concrete evidence it happens.

 

I can't see why you'd be worried about information that isn't visible, but I can see why you would want incorrect/inaccurate visible information corrected.

 

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I can't see why you'd be worried about information that isn't visible

 

Thanks for the reply. I'm dealing with the incorrect visible stuff at the moment as it goes. That's hard enough! :lol: :lol: :lol: I just don't trust them one bit with my old debts and believe things may well get worse in the future. Your answer hints, I hope, that from a legal perspective I could force them to remove any data they held on me over 6 years old. Is that right then?

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

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Surely an SAR should show whatever they hold on you, however old.

Data can only be held for a purpose, once there is no purpose it has to be destroyed, whether visible or not.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Surely an S.A.R - (Subject Access Request) should show whatever they hold on you, however old.

Data can only be held for a purpose, once there is no purpose it has to be destroyed, whether visible or not.

 

Newborn

 

You jest, I did an Access request to a High street bank a year ago and got things which mysteriously vanished the second time around, especially the important bits. Lucky I kept the 1st one.

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Surely an S.A.R - (Subject Access Request) should show whatever they hold on you, however old.

 

Yes, I was going to send off some SAR's.

 

Data can only be held for a purpose, once there is no purpose it has to be destroyed, whether visible or not.

 

In theory! They tend to think they are a law unto themselves though.

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

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You jest, I did an Access request to a High street bank a year ago and got things which mysteriously vanished the second time around, especially the important bits. Lucky I kept the 1st one.

 

Like a proper tombola!

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

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Hi andrew1 and renegotiation,

 

I was being a bit niaive and simplistic with my answer.

In the perfect world my answer is correct.

But if the law changed tomorrow and Experian etc were able to publish a 20 year credit history you can bet your bottom dollar they've got it ready!

It's just not published.

While a debt is outstanding they will argue that they can keep the data indefinitely until several years after it is FULLY repaid.

Partial repayment will keep the remainder of the debt live, even if 'full and final'. (Zombie Debt).

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Thanks for the replies Newborn. I'm just talking about my unpaid debts. They were all left unpaid around 6 years ago and longer. The defaults went on at varying stages after that. I want to know if they have a 'right' to keep this data on file for longer than 6 years or not. If they don't have this right, and my SAR's show that they do have information on me older than 6 years, I am going to force them to remove it in court. Let's face it, it will probably have to be done in court knowing their arrogance. I think i've done my time so to speak. I do have a case right?

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

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The data protection act allows the retention of data if it is it in the 'interest of the data controller' (creditor or DCA) to do so. They just can't publish it on a credit file after 6 years have passed.

Also, bear in mind that the OC will also keep any data 'in their interests', which they can then pass on to the DCA whenever they want anyway.

If the information cannot be published and it is statute barred (??) I don't think you have a problem, unless the law changed overnight to allow them to publish the data. It would probably not be retrospectively allowed anyway.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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My concern is they would find some 'dubiously legal' way of making this adverse data hinder me in the future. The question is if noone uses it then why do they keep it? I will see what the SAR's show up. Thanks again.

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

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With respect, this latest discussion is theoretical - what happens in practise is that these companies flaut the law, DPA or not, and those less knowledgeable accept it as "being the way".

 

I'm sure we can all remember the time where we didn't question what goes on, but I feel the tide is turning now.

 

Incidentally, the CRA's claim a "legitimate interest" in the information given to them by their clients, because their other clients use that information for "legitimate reasons". This wouldn't stand up in Court, but who takes the CRA to Court? I haven't. The onus is on the data controller - which the CRA is, but only vicariously, via data feeds from creditors, so are effectively second hand data controllers themselves. Correct the direct DC, then use s.14(1) and s.14(3) to correct the CRA.

 

Until these practises are challenged formally - which won't happen, as they settle out of Court before any precedent is set - this is the system we have to live with.

 

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Lets challenge thae law of precendent then ;)

 

If you can get a case to a level that sets a precedent, you'd be making legal history. It isn't going to happen, as they will back down and settle before you get there.

 

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  • 1 month later...

We need to ask for a huge settlement that they will never pay to ensure it gets to court...

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

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I have written strong letters to all the CRA's asking them for definite confirmation of their policies on data over 6 years old. I await their replies with interest. No replies as of yet.

 

I had a bit of an argument the other day with an Equifax manager as it goes. I was letting off steam about them turning up on my S.A.R - (Subject Access Request) from Barclaycard. He told me it was moral that creditors should know where their debtors were. I told him I agreed that it was moral for creditors to know the location of their debtors, BUT (a) it wasn't their job to do that, especially in the clandestine manner in which it was done!!! and (b) even if it was their job to do that, WHICH IT WASN'T, they certainly had no business passing on telephone numbers of debtors to disgusting DCA's that harassed folk in their own homes at all hours of the day!!! He seemed to shut up after hearing my comments and didn't know what to say!

 

Experian are the first to reply and here is their response. Yep, I was right! Here it is:

 

IMG.jpg

 

My experience of CRA's so far is:

 

Experian - 2 telephone calls. Lied to completely in both telephone calls! Good work Experian!

 

Equifax - 2 telephone calls. Lied to completely in one call. Moralised and lied to in the other! Good work Equifax!

 

Callcredit - They don't seem to be contactable by phone apparently! Otherwise, I think I know what I would be hearing. Anyhow, I complained about 2 incorrect default dates from one company. They were down as 18 months later than the identical defaults on my Experian and Equifax credit reports. They wrote and said the ***2*** dates had been amended. I wrote back and requested another credit report. Lo and behold, only 1 of the dates had been amended! Good work Callcredit!

 

That's nothing but lies and incompetence. I await the replies from Equifax and Callcredit on default data over 6 years old with interest. My question is if it isn't any use to anyone why do they keep it? They don't have grounds to keep it do they? I thought they were supposed to keep data for 'only as long as it was necessary'!

Edited by renegotiation

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

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Interesting that they admit that they archive the information rather than delete it after 6 years.

They might claim that's so that they can check back on stuff, do SARs etc.

However the act says they should only keep information for as long as it is relevant, then delete it, not archive it.

 

Grumpy

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These 3 companies must have a hell of a lot of data on people are they suppose to send you archive stuff as well as the data up to six years. Also do they send it to people in ordinary post when a SAR is sent to therm. It must be very heavy and cost a lot of postage. I am not not worry about their cost but may only send it out second class and even if they send it first class people may not get it for weeks later due to it been so heavy. Why do they keep old stuff that is older then six year old as I alway thought that it would automatically fall of their computers when it was six years old. Do they go thought it and look at what is worth keeping. :mad:

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My personal experience with Experian has been that they DON'T automatically drop stuff unless you check your credit report - which after all is what THEY want you to do MONTHLY (there is an article stating that one day it will be necessary to do MONTHLY checks - WHY????) if I can find the article I will post the link.

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'O' Yes, of course they want everyone to do a monthly check, think of all that revenue from us the punter, I feel sometimes that they have a lot to do with data going missing, it is a money making racket and that is a fact. :-?

 

These people are less than honest.

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I will make the ICO my first port of call and see what they say. Then, I need to draft a good letter for my CRA SAR's. I'll just wait and see what Equifax and Callcredit have to say. I'm thinking I should have no legal difficulty forcing them to remove my data that no longer need. I just don't trust them!

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

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  • 2 weeks later...

I received a wholly inadequate reply from Equifax a few days back and absolutely no response from Callcredit whatsover. My original letter template was completely unambiguous so the feeble reply from Equifax and lack of reply from callcredit are likely to be answers in themselves. Hmmm. I wonder what that answer could be? :):):) I have sent a copy of my original letter to Callcredit (registered mail this time) demanding a response and another unambiguous letter to Equifax asking for a fuller answer! Just for the record, I have pasted Equifax's lacklustre response below. They have basically just stated what most of the nation knows and ignored my question.

 

 

 

IMG-3.jpg

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

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They are like blinkin politicians the way they answer these questions - never a straight answer! You ask them a question and they come back with " No, the question that should be asked is......." then go on to answer that one ( with a touch of " The fact of the matter is...." :mad: ) Jeez they make you mad!

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Jeez they make you mad!

 

Yes, but they certainly picked the wrong person if they think i'm just going to skulk off.

 

sue the companies giving them the information, I say. (I have!)

 

I plan to do all I can. I got a lot of things on my plate at the moment! One thing at a time for me. Still got to start my CCJ set aside as well. :):):)

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

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