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    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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Hi,

can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency?

 

in my own case..

i have won 2 cases against me alleged to default in 2012

whilst i understand they are going to fall off the file this year...

its later in summer..

 

my query is ..

having won my cases,

does that not say the dispute was won on an alleged debt..

therefore should not be there?

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But what did you 'win'?

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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i documented cases against me... here on this site...my point being.. i disputed them and won..is it not the case that the court has said to the creditors, prove your case... they could not .. and therefore... what case is there to answer? why then should it be on my file ..?

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But the. claimants didnt register the defaults...

 

Just because a claim was not successful that does not mean that the relevent defaults were not properly attributed at the time to show the way you conducted the accounts .

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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granted , but there were disputes between me and the original company prior to any debt agency intervening.. however, point taken.. i am then thinking.. i must wait until the exact date for these to fall off as they say...for example if my alleged default is 3 march 2000 i would wait until 3 march 2006? just to get an idea...

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Have to wait its 6th birthday for what?

What do you think you have to do??

Its automatic in the act already

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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as I said yes

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

no its not the defaults 6th birthday

and you don't need to ask

as I said its auromatic

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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Simply put - If you have a claim discontinued - Then you cant demand the Default be removed.

6 years from Date of Default it plays a magic trick and disappears for good :)

 

If the default is there after 6 years then yes you can ask for it to be removed... As it should disappear automatically.

 

We could do with some help from you.

 

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i trying to educate by self realisation

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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ok, thanks..this all stems from me checking an equfax record on me..

so i hope i can include this query as part of the same thread...?

 

i have seen another entry relating to a credit card account.

..it does not show a default date.

.. only a "start date" of 2011..

ok i know thats not default ..

.but i dont understand why no default.

 

.i called equfax just now, over a bad line , couldn't get much.

.. but he was saying it did not go into default..

only 2 missed payments.

 

.it does say settled... but i can not remember what i did then.

 

.apparently settled a year later, i would have thought it would have had a default date in that time..

am i missing something here?

this too can impact my credit worthiness...

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late payment do little harm

only the original creditor can default you [by sending a default notice giving a date outside of 14 days from the date on the letter]

the markings/defaults placed on your credit file are nowt to do with the CRF providers they just record the info a debt owner sends them.

no good complaining to any CRF unless you've written proof the owner did not record that info and its their mistake

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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hello,

this subject has probably been covered before, so apologies in advance if this is the case..

 

. due to my illness i can not take in too much information

 

..i recently checked my credit scores with equifax and experian.

 

.with experian my score remains the same "fair" but with equifax it reads very poor..

. anyone enlighten me about this?

can they do this ..by which i mean.. give conflicting reports..?

 

obviously a report of fair is more desirable... and i feel i am being messed about with the equifax score.. any help appreciated..

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doesn't really make any odds what 'label' they use

if you've got defaults still showing and or CCJ etc.

that's what kills credit

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... 

Link to post
Share on other sites

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

thanks...

further to this i find on my file on equifax that there are 2 halifax accounts mentioned... but not in the red,,

 

,i did once have a halifax account years ago and disputed charges with them.

.now i only have rbs.

 

.one says date satisfied 30/11/14..would that mean it was paid?

 

the other shows..only a start date. 16/11/2011 and up to date..

 

. can anyone help with this..?

it also states date updated 1/5/18 so thats very recent..

.whats going on here?

 

without defaults dates don't know how long these should be in my file.

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are they defaulted?

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

one halifax account defaulted in 2012... so due to fall away soon with others.. so this is only one i'm in the dark about... i only had one halifax account... this one says up to date... its a current account. no default or start date.. i dont see number 8... except in part of account number. where should the 8 be?

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