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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • PCNWarrior
      PCN - MFG - ESSO COBHAM - GRAVESEND

      By PCNWarrior · Posted

      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
    • FTMDave
      PARKING FINE STANTED AIRPORT MCDONALDS

      By FTMDave · Posted

      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.
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      TERMINAL NOTICE.pdf
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      Please find attached 
    • lookinforinfo
      NPC ANPR PCN Claimform - Taxi - Appealed - No Parking Or Waiting At Anytime - St Thomas Hospital, London, Se1 7eh.

      By lookinforinfo · Posted

      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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Statement from Equifax website regarding account info

Stressed150

By Stressed150
in Credit Reference Agencies

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Stressed150

Stressed150

Posted
Posted

Credit Agreement information remains on your Credit Report for a period of six years from the date that the account was settled, written off or defaulted, whichever occurs first. Active accounts will remain on your Credit Report indefinitely.

Hi guys, was just checking my redit file, and queried something with Equifax, when I noticed the caption above on the website.

I was under the impression that account info will stay on file for 6 years from the date that u settle, so if you have an account which you defaulted on in 2005, then settled the account in 2007 this will be on file untill 2013, as opposed to 2011.... but the above statement seems to suggest otherwise.....

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silverfox1961

silverfox1961

Posted
Posted

Hi

 

As I see it, the account was settled in 2007 but it was defaulted in 2005 therefore, the first cause of action was the default. The default should fall off in 2011. I think the "settled" will still appear but that's not negative info as all it will say is settled and not defaulted.

 

That's how I see it but of course I could be wide of the mark :)

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Stressed150

Stressed150

Posted
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Posted

Yeah same hee, however, my reason for starting this thread was, there were some cases where people on here had reported an account with a default was still visible on their file after the 6 years, and they were told by the CRA's that this was because the account drops off the file after it has been settled for 6years.... am confused regarding this, so will maybe ring up all three CRA's individually and get them to confirm...

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silverfox1961

silverfox1961

Posted
Posted

I see where you're coming from but once the 6 year mark has been hit any entry older than that should disappear but I'm wondering if when the CRA put account settled they state it was previously defaulted I.E 2007-Account Settled(previously defaulted). If they did that it would be very naughty as they are circumventing the 6 year "rule"

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fredbassett

fredbassett

Posted
Posted

any account that is settled will be removed from your credit file completely 6 years after the settlement date. any account that is defaulted will be removed completely from your credit file 6 years from the default date regardless of whether it is settled as a later date i.e. account defaulted in 2005 but default then satisfied/settled in 2007 will be removed 6 years from the 2005 date. the same rules apply for CCJ's and bankruptcy

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romeshw

romeshw

Posted
Posted

I think the confusion here is regarding whether an account defaulted or not.

 

1) If the account defaults, the history stays on your credit file 6 years from that date

2) If you fall behind on payments but do not reach default status, then go on to close or settle your account, that history stays on for six years from the closure date.

 

Further example of point 2:

-You fall behind on an account in 2002, then catch up with payments.

-You then close the account in 2004.

-The bad history relating to 2002 stays on your account until 2010!

 

As stupid as it seems, that is what I've been told! lol In theory, therefore, you can have bad credit history showing on your credit file 11 years, 11 months after it occurred!!

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romeshw

romeshw

Posted
Posted
romeshw, this is where the confusion was, as this is what I had been previously told.....

 

The quote from Equifax, although vague, does account for our understanding.

 

If you default, it's 6 years from then.

 

If you don't default, have some late payments, but then close, it's 6 months from the closure date.

 

It's better therefore that if you get late with payments to either default completely or close the account as soon as possible.

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gill5blue

gill5blue

Posted
Posted

Hi

I had an account written off last year and last month it showed 6 payments late. I wrote to the credit card Co and pointed out their mistake(and included their letter sent to me writing it off) and today it does not exist on my credit report.

I keep monthly copies of my credit report on 'word' for comparison.

gill5blue

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romeshw

romeshw

Posted
Posted
Hi

I had an account written off last year and last month it showed 6 payments late. I wrote to the credit card Co and pointed out their mistake(and included their letter sent to me writing it off) and today it does not exist on my credit report.

I keep monthly copies of my credit report on 'word' for comparison.

gill5blue

 

Hmm, that's interesting, so maybe by writing to the companies involved we might be able to get some of this old history removed, especially if its over 6 years old. Might be worth a try!

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fredbassett

fredbassett

Posted
Posted

Don't forget that prior to an account being settled there's only so much account history prior to the settlement status that can be held. Its either 36 or 48 months worth of history so as new history gets added to an account the older history starts falling off so in that sense the account may have had historic late payments but if you keep the account going and pay on time each month the old late payments will fall off your credit file.

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Stressed150

Stressed150

Posted
  • Author
Posted
Hi

I had an account written off last year and last month it showed 6 payments late. I wrote to the credit card Co and pointed out their mistake(and included their letter sent to me writing it off) and today it does not exist on my credit report.

I keep monthly copies of my credit report on 'word' for comparison.

gill5blue

 

 

If you don't mind me asking how did u manage to get the account written off? Do you mean there was an un-enforceable CCA?

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gill5blue

gill5blue

Posted
Posted

Hi Stressed

Luckily for me they actually did not have any thing, it was a credit card originally from Woolwich then taken over by Barclays, I cca'd barclays and their first response was they could not find any paperwork, and would not pursue me for the account, so this was easy for me.

gill5blue

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  • 4 weeks later...
Dinkjames

Dinkjames

Posted
Posted
If you don't default, have some late payments, but then close, it's 6 months from the closure date.

 

Interesting. I had an account with Next that has 1 missed payment marker on it. I settled the account and closed it in 2006. The data is still sitting on my credit record.

 

I am about to start the process of getting Next to remove it. I wasn't aware that settled accounts were supposed to come off your credit record after 6 months. Maybe someone could clarify. In the meantime, I will have a look on the CRA 's websites.

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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