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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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      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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Credit score reduction


Jim Davis
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About two months ago I closed a Halifax current account.

 

I held the account for five years but never used it at all.

 

My credit report has now reduced my credit rating from good to very poor

 

due to closing the Halifax current account.

 

I am completely confused and puzzled.

 

Can anyone explain how this comes about please?

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doubt it

not got any defaults etc have you?

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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Hi,

 

Are you sure that's the only reason.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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any current running credit?

 

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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Hi and thanks for the replies.

 

I have no current running credit and no debts at all.

The Halifax account wasn't my only account as I still have a Santander account which I've held for many years.

Yes I am on the electoral roll at my current address and my credit report shows this.

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that's probably the reason then

lack of running credit

a bank account is not credit.

 

pers iwouldnt worry about it.

 

have you checked all providers

 

clearscore

Experian

noddle

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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Hi DX and thanks for your reply.

 

I have checked with Clearscore and Noddle and they both have reduced my credit score.

 

I'm not too worried about it as I'm not seeking any credit

 

I have heard that a poor credit score can prevent people obtaining employment.

 

Now if that is true then the credit reference agencies are out of order in my opinion.

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at right we're getting to the bottom of your enquiry now

no a poor credit score CANNOT hurt your employment etc etc

 

its if there are any CCJ's in most cases

or in extreme vetting [say like police/etc etc] deafults can harm too.

 

bar that it plays NO PART

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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Share on other sites

credit

where they give you money and you slowly pay it back.

credit card

loan

etc etc.

 

your score will be low because theres no proof there you can manage your budget ...

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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Share on other sites

Hi Ford,

 

My Santander account has no overdraft facility and neither did my now closed Halifax account.

I only have a debit card so I can only spend what I have in the account.

I have never had an overdraft or a bank loan.

However, in the past I've had mortgages which I paid back text book perfectly.

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Hi and thanks for the replies.

 

I have no current running credit and no debts at all.

The Halifax account wasn't my only account as I still have a Santander account which I've held for many years.

Yes I am on the electoral roll at my current address and my credit report shows this.

 

Why is your credit score important to you...do you intend taking more credit ?

 

The only way to improve your score is to get into more debt.....vicious circle and one which the Credit Registers are manipulating by offering deals with worse credit rates to likes of yourself with poor scores...they are all in it together.

 

Andy

We could do with some help from you.

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basically you are a bad customer for them as how are they supposed to make money if you dont borrow any? That is why you get a lower score, it bumps up the interest paid should you borrow as it is likely that you wont be borrowing for long when you do.

Borrow 85 billion and you get it guaranteed by the govt and it is interest free.

Hi Ford,

 

My Santander account has no overdraft facility and neither did my now closed Halifax account.

I only have a debit card so I can only spend what I have in the account.

I have never had an overdraft or a bank loan.

However, in the past I've had mortgages which I paid back text book perfectly.

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Thank you Andyorch and ericsbrother for your replies.

I think you have both hit the nail on the head.

My conclusion is that I was daft to worry about my credit score when I have no intention of borrowing

any money.

The CRA's always say it's very important to have a good credit score. However, they never say that the score

doesn't matter if you never want to borrow money.

Some CRA's imply that a poor credit score "might" damage job prospects.

What a dodgy lot they are.

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Some CRA's imply that a poor credit score "might" damage job prospects.

 

How would a potential employer know ?...they cant access it.

 

If you have CCJs and wanted work say in the Financial services Industry then you would have to divulge this data.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi Andy,

 

I understand that CCJ's are publically available information.

My credit report lists things like CCJ's and bankruptcy as publically available information.

Therefore any potential employer could use such information and correctly conclude that

you have a poor credit rating.

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so what?

 

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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Share on other sites

Hi Andy.

 

Thanks for your reply.

 

Do you think you would have to divulge personal financial information such as CCJ's if you applied

for a job as a Project Manager within the MOD?

Project managers within the MOD are in charge of enormous budgets running into millions of pounds.

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yes

but only if they showed on your credit file.

 

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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Share on other sites

All CCJs are recorded on the CCJ Register at Trust Online which you (others) have to pay a fee to use.....so yes you can be searched by a potential employer subject to a specific type of employment....but that depends on them having all your details to enable a check ..possibly previous address in some cases.

 

They cant access your CRAs

 

I dont personally know what the criteria search for the MOD is but would assume its more likely to be a criminal check rather than a financial check.

 

Useful links and information

 

https://trustonline.org.uk/

 

Regards

 

Andy

faq_ca8374104815.pdf

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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