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    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • 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! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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.
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Natwest and closed account


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Hi all,

 

 

 

I need to remortgage my house and don't have sufficient means. My son earns more than me and I tried with my sons help to remortgage only to be told my son has a bad credit score?

 

 

we did a credit check and we found out hed closed a Natwest account in 2005 to open a new Natwest current account and according to the credit check there was still £400 owing on the closed account, there was fraudulent activity on the account, he went through the NatWest fraud team and they cant do anything as the account is more than 9yrs old.

 

 

He complained and paid the amount owing june 2017 and Natwest said they would remove it from his file.

 

 

We did another credit check and they've only marked it as satisfied April 2018, we spoke to Natwest who had the account arrears as written off! on their system and he could not have a mortgage or account with Natwest, the account was paid in full and hes had a Natwest account for 7rs?? is there anything else we can do please.

Edited by BankFodder
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I understand that you have sent them an SAR – or at least your son has. There is an important first step.

 

Please can you tell us what you know about this fraudulent activity. For instance, have the bank admitted that it was fraudulent and that your son was not involved?

Why did your son settle the outstanding amount? Did he consider that he was indicated in some way?

 

Is the £400 the entire amount involved in this fraudulent transaction?

 

I think it's complete nonsense that the banks say they can't do anything about it. I think that they are lazy and dishonest.

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He settled the bill totalling £433.84 because he didn't want it affecting his credit rating even further plus the bank said they couldn't do anything as the account was older than 9yrs, he argued the fact that if the account was in arrears at the time, they wouldn't have let him close it anyway without paying the debt first?

 

 

The transactions were to companies he didn't recognise - Yazbill, Ffn.com.Adu, LTrendF GB, Adacet.net ?

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The account must have been defaulted years ago and should not be showing now

Prove it under an sar

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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So do we understand that it is your conclusion that it has been subject to fraudulent activity – and not the banks opinion?

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Well send the SAR and we'll see what light if any that sheds on the mystery.

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  • 3 weeks later...

UPDATE -

phoned NatWest,

manager of the branch in next town was going to look into this,

 

she phoned next day and was going to phone my son.

Nothing heard,

 

chased her up,

the same woman I spoke to,

 

phoned my son and denied having any knowledge of the whole saga?.

I'm going to keep mithering till I get some answers?

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