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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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      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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Declined American Express Credit Card


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I recently applied for an Amex card to help spread the cost of a large house repair bill. Amex declined my application and specifically cited adverse information in the specific credit reference report.

 

I have applied direct to the credit reference agency and my credit score is 98% and there are no negatives on the credit file.

 

Has anyone come across this before?

 

(apologies if this is posted in the wrong place but I couldnt see an American Express sub forum in the Banks, finance and credit forum. )

 

I thought it might be linked to my partner so we applied for her credit report and it is a 100% score so I cannot see why Amex would use this as a reason to decline the application.

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Thread moved to Amex Forum.

 

Regards

 

Andy

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This might help you understand :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69469

 

Have a long read :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

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@disgruntled2007

 

The credit reference agencies use a scoring system to indicate how strong your credit profile is. Without naming the agency on a public forum, my score was 98% out of a max of 100%. That's a pretty high score but Amex are citing an adverse credit report as the main reason for declining the application.

 

This is what I don't understand and wanted to see if anyone else had experienced something similar.

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Forgot to say....I'm not expecting credit as a 'right' but what I am expecting is some transparency as to why the application was declined when my credit history as pretty much as strong as it gets - there were no negatives in the entire credit file - which I have checked out by subscribing to the credit reference agency direct.

 

If I don't meet other criteria for Amex, that is fine but to state a reason that doesn't appear to be correct is the issue.

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How many searches have been made recently? What is your current credit available/credit used percentage? How long have you lived at your current address? How many times have you moved? How many linked names and addresses do you have? How long have you been on the electoral roll?

 

Did you read the guide posted earlier?

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I didnt read the guide - I thought it was to do with finding out which forum to post in, doh! Will take a look.

 

All of the criteria listed by Disgruntled2007 are all positive and I can see that from the credit report itself.

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How many searches have been made recently? one credit application in 2017 and a car insurance quote - would that trigger a search?

 

What is your current credit available/credit used percentage? I have no outstanding credit owed on cards, I don't have other loans or store cards, and no other debt other than a mortgage which has always been up to date.

 

How long have you lived at your current address? 5.5 years at existing address and 7 years at the previous address. My partner is the only linked name and her credit score is the maximum. Been on electoral roll for many years.

 

 

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Please do read the guide... .

It's supposed to answer all your questions...

 

Don't look into the response too much...

Just because you haven't been accepted doesn't mean you need to be paranoid about your Credit Rating ☺️

 

In other words, it's a standard template response and add to that AMEX have very high criteria for their cards...

Try using Money supermarket comparison tool ☺️

Doesn't leave a mark on your CRA. If you had read the guide... You would have known this ☺️☺️☺️☺️

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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