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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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Credit files - After the 6 years has passed


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Just a quick question in relation to credit files and the six years they go by. Below is a screenshot of one of my accounts showing on my credit file. Some of the payments are now 6 years old and are still showing.

 

Are they meant to drop off after the 6 years, or is it in relation to the whole accoutn dropping off after 6 years?

 

I was under the impression 6 years after a payment was made, it would drop off.

 

cc.JPG

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IMO it will all fall off after 6 years, 6 years after the account was last active. so in april 2011 it will fall off, or you will have to prompt them to take it off.

 

Thats my take on it n-e-way, I might be corrected.

 

If you could get the 3 3's taken off, this would be good history to have. it is settled now, u never no they might?

:!:
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Thanks for your reply :)

 

See this is where im getting confused, because everywhere you read it talks about CRA holding onto your payment history for 6 years. If it was to do with the date the account closes or becomes setteled, we could be talking in this case around 10 years.

 

Very difficuly to try and find an answer anywhere.

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I will give the credit reference agencies a call tomorrow to clarify, but after searching around it appears that it is six years from when an account is settled/closed that the information is removed. However this dosent apply to defaults whic are removed six years from the date they are applied.

 

This really has angered me because 5 years ago when I turned 18 I was finically stupid. I racked up three defaults and made numerous late payements.

 

Four years ago I sat down and sorted everything out anda year later everything was paid off and settled/closed. Since then I am very cautious with money and make all my payments on time. Ive got myself a good job and purchased a house.

 

The three defaults will drop off in March/April and May 2008 which will be like a weight being lifted - However im trying to get them removed sooner using the default letters.

 

My concern now though, is that the accounts I managed badly dont show settled dates until 2004. These were opened late 2001, early 2002. Up until today I was under the impression that as soon as the six years had passed, the information would start dropping off. (EG - A later payment in Dec 2001 would drop off in Dec 2007).

 

So all the late payments I made in 2001/2002 are going to stay showing on my credit report until around 2011 (six years after the accounts were settled).

 

Bad choices and decisions I made when I was 18/19 are going to haunt and hinder me until im around 29/30 years old.

 

Very very pi$$ed off :mad:

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Hi,

 

Ive spoken to the credit reference agencies and they confirm that the information stays on the account for six years AFTER is has been setteled/closed. (Excpet defaults, which drop off six years after being added).

 

Now this is somthing im going to look into as I believe it to be extremely unfair and unjustified. In mu opinion six years is too long anway, but six years AFTER the account has been settled/closed means late payments could stay on your account for 10, 15 or even 20 years.

 

Example being - You open up a store card in 2000, make numerous late payments that affect you credit rating in 2001. You manage to sort the situation out, however you keep the account open until 2015. Those late payments wont drop off until 2021 - 20 years after you made those late payments.

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The situation with 'linked addresses' is similar. I am now getting post from people I purchased a property from - and moved out of over a year ago, there is a link to them on my file and sorry but a NOTICE OF DISASOCIATION is not enough, it needs to be removed as I have no financial link other than purchasing a property they once owned.

 

Experian and the CRA's are going to be next on the list for action, as are the ****** solicitors who deal with the DCAs....

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Ive got a linked address because Halifax sent my loan application to a completly wrong address (other side of the country!) Im now in the process of trying to get that removed.

 

They also have me linked to my partners parents address for some strange reason! Ive never lived there, never ordered anything there and even when I met my partner she wasnt living there!

 

CRA say that it is industry practice to hold data for 6 years, however would be interesting to find out where it says the information will be held for 6 years AFTER the account has been closed.

 

If information does need to be held for six years, I personally believe it should be 6 years from the date it is added.

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From Experian:

 

We hold open accounts indefinitely. Once an account is closed, we hold it for six years from the settlement date. We also keep defaulted accounts for six years from the date of the default. The current balance on a defaulted account should show if payments have been made since the default or if the account now been fully paid.

 

 

Defaulted and settled accounts are kept on our records for six years from the date of default or settlement. After this time they are automatically removed.

 

From Call Credit:

 

All active (open) SHARE accounts will appear on your credit file whilst the account remains active, as long as lender remains a member of SHARE. This is the case whether the account is up to date or in arrears (but not default).

 

Once a SHARE account is closed/settled, the record will remain on your credit file for a period of 6 years from the date of closure/settlement.

 

If any of your SHARE accounts are defaulted by the lender (this usually occurs when an account is in serious arrears and the lender issues a default notice) the record of the account will remain on your credit file for 6 years from the date of default. The date of default is confirmed to us by the lender.

 

From Equifax:

 

Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for up to 6 years from the date of their last activity.
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