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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • 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 !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • 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.
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Guarantor credit file trashed by HFC


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Hi,

 

HFC have trashed my mums credit file with Arrangements to Pay and late payments all over it as she was the guarantor to a loan took for her son.

 

It is all settled and no default has arisen, however, where does she stand with this?

 

I know she was the guarantor but should they have to write to her to tell her payments are late etc, it was her son that made the arrangements to pay and the late payments not her so is there any leverage as as far as i know she never actually received any letters or such. She was completely unaware this happened until getting a copy of the credit file.

 

Can someone advise me please?

 

Thanks

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Hi, kinda in the same boat myself at the moment. Guaranteed loan for my son, who obviously wasn't paying it. First I knew was a letter from a DCA received last week. Had absolutely no idea this was happening and I'm so disappointed in him but what your mum can do is send off for a Subject Access Request, if you have a look at the templates library, you'll find the letter to send along with a cheque for £10. They then have to, by law, send you all the information that they hold on you (the account), including copies of all correspondence, within 40 days. Hope that's off some help. I'ma relative newbie around here but I'm sure someone will be along to help you soon. Good luck

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Hi, kinda in the same boat myself at the moment. Guaranteed loan for my son, who obviously wasn't paying it. First I knew was a letter from a DCA received last week. Had absolutely no idea this was happening and I'm so disappointed in him but what your mum can do is send off for a Subject Access Request, if you have a look at the templates library, you'll find the letter to send along with a cheque for £10. They then have to, by law, send you all the information that they hold on you (the account), including copies of all correspondence, within 40 days. Hope that's off some help. I'ma relative newbie around here but I'm sure someone will be along to help you soon. Good luck

 

 

Hi, thanks for your reply,

 

Yeah I sent a SAR off and they sent the letter back saying it must be signed blah blah. No way is she signing it, so I sent the letter back saying they dont need her signature etc and Im waiting to hear back.

 

It just seems unfair to say that she made arrangements to pay and late payments, when it wasnt her that made these arrangements it was someone else and that they gave her no warning that this was going to happen or an option to pay instead.

 

Surely as a guarantor they should contact her if there is problems with payment, isnt that the whole point.

 

Anyway, I was just wondering if anyone knew the legalities over guarantor payments as im fairly familiar with 'normal' credit accounts but not over guarantor accounts.

 

Hope someone can advise me,

 

cheers

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Sorry I can't really shed anything on that for you. As I said I'm just a newbie on here asking for help. Though I completely agree about the unfairness of the situation. If I had been informed the first time my son made an arrangement to pay or even off a missed payment, perhaps the mess I'm trying to get out of now, could have been avoided. Why do they ask for a telephone contact point then not use it!! Although I do hold my son completely responsible and am in no way, excusing his behaviour. But for what it's worth, you're in the right place to get help ..

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