Jump to content


  • Tweets

  • Posts

    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Current bank accounts not listed on my CRF's ?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4808 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I decided to have a nose into my credit reference files . My mobile phone and credit card accounts plus a settled bank account from 2005 are all listed. But my current bank accounts ( with overdraft facility's ) are no where to be seen ?

I would have thought current accounts would be listed ? Good, bad or what ?

Link to post
Share on other sites

I've a similar situation. I have been registered with Credit Expert for years and my reports showed most my financial records. However I noticed when I took an American express card this never showed up.

 

In June 2008, 2 and a half years ago, whilst overseas I couldn't keep up with my loan payments / debt and accepted that bank bankruptcy was inevitable. I ignored all letters but didn't proceed with bankruptcy thinking it would be forced on me.

 

I recently decided to call the courts and see if I have been made Bankrupt. I have not. Therefore I thought i would reassess my debt to consider if there is a way out.

 

My Experian report does not show my American express card, Barclay Bank account which is over drawn, Barclay loan or Vodafone account.

 

Where are these debts ? I've noticed my credit score has recently marginally increased.

Link to post
Share on other sites

I

 

Where are these debts ? I've noticed my credit score has recently marginally increased.

 

It sounds like the Con-Dems have stole them LOL !

 

 

I'm aware savings accounts dont show up ( i.e my ING & A&L saving accounts ). But I had an Halifax current account very briefly some years ago and that is present on both Equifax and Experian.

 

Then last year I re-opened another Halifax ( HBOS ) current account, but that doesn't show on any of the three credit agency files.

 

It appears no one seems to have a clue, I've tried asking a few consumer credit sites and keep drawing a blank :?:

Link to post
Share on other sites

Yes I've also extensively googled this and not found many threads or sources of help. Can anyone suggest where I get further information ?

 

To be honest, I'm rather happy they are not there but afraid they may appear at a later date...

Link to post
Share on other sites

Some bank current accounts do show up on credit reference reports (the Coop and Nationwide spring to mind) but most don't. I think this is because current accounts aren't credit agreements as such. How does the up to date/ in arrears terminology apply to current accounts?

 

This is a pretty clear (albeit fairly benign) example of how the financial services industry and the credit reference agencies make it up as they go along. There are no rules and so they do whatever the hell they like. Another example is how CRAs display "defaults" on mobile phone agreements. These completely trash credit ratings but are not technically defaults as the credit agreements aren't CCA regulated.

 

The CRAs are out of control.

Link to post
Share on other sites

Er, Mobile phone accounts are not credit agreements, but they appear without fail.

 

It is up to the bank(s) to decide. However, I opened my accoit several years ago and this pre-dated the change in T&Cs to permit disclosure. However, the fact you HAVE an account is not the issue, but whether you have defaulted (which is).

Link to post
Share on other sites

  • 3 weeks later...
I've a similar situation. I have been registered with Credit Expert for years and my reports showed most my financial records. However I noticed when I took an American express card this never showed up.

 

My Experian report does not show my American express card, Barclay Bank account which is over drawn, Barclay loan or Vodafone account.

 

Where are these debts ? I've noticed my credit score has recently marginally increased.

 

Hi duckfeet,

 

It's certainly strange that your airtime account isn't showing up on your credit file with Experian and without being able to access the account in question I'm not really able to advise why this would be the case.

 

However, I'm happy to take a closer look at this for you if you're able to email the details across to me by following the information in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems

 

After sending your email you'll receive an automated reply with a reference number. Could you update the thread with this so I can make sure it reaches us and I'll come back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

Link to post
Share on other sites

I'd suggest not having your details displayed by a CRA is NOT an error to be corrected. If there is a data glitch (or more likely, it has been allocated to someone else by mistake with a similar name), that is not of your concern.

Link to post
Share on other sites

  • 4 weeks later...
Er, Mobile phone accounts are not credit agreements, but they appear without fail.

 

It is up to the bank(s) to decide. However, I opened my accoit several years ago and this pre-dated the change in T&Cs to permit disclosure. However, the fact you HAVE an account is not the issue, but whether you have defaulted (which is).

 

Contract mobiles are credit agreements :)

The guy upstairs seriously has a problem with me.. Nothing seems to go right!!!:|

Link to post
Share on other sites

http://www.creditscore.org.uk/node/9

 

"What most people don't realise is that a mobile phone contract is infact a credit agreement, and as such is applied for and considered in the same way a credit card application would be - with the same implications for your credit score."

 

I'll go back to my own little world now :!:

The guy upstairs seriously has a problem with me.. Nothing seems to go right!!!:|

Link to post
Share on other sites

Absolute Tosh! Just ask yourself this - what benefit foes this firm have in scaring you in this way? The SELL their services on the back of scaring punters - to a vested interest in muddying the waters is their ultimate goal. If you want to do something useful, report them to the ASA for mind-bending inaccuracy. Providing you give your permission, ANY firm can provide your financial history to add to your 'Credit File' - however, there is no requirement for any credit agreement in order for the data to be supplied - a mistake that caught many out unawares.

 

A credit card application may be considered 'in the same way' - in that someone or some computer has to make a decision to accept or decline, but that's one heck of leap to get from that to a Credit Agreement. Credit agreements are required for the loaning of money. Mobile contracts don't - they need to be paid off in full each and every month.

 

To state the facts, a mobile contract is a 'contract for service' and nothing else. Just ask those who sent CCA letters to their networks only to be told they're wrong.

Link to post
Share on other sites

When you apply for a mobile contract, you are agreeing to pay so much per month say £25 for 24 months, that's £600 that you are commiting/promising to pay back in 24 months, I believe this is regarded as 'Credit', plus you agree to pay back what you use on top of the agree'd amount.. and if you don't pay it back the same happens as would you fail to pay back a loan or credit card... That's how I understand it anyway :)

 

At the end of the day it's still credit :)

Edited by Silky444

The guy upstairs seriously has a problem with me.. Nothing seems to go right!!!:|

Link to post
Share on other sites

When looking at the big picture; does it really matter? Depending whom you talk to and where you look it is both a credit agreement and also a service agreement. Yes; credit is involved which makes a lot of people think it's a credit agreement, but personally I think it's a service agreement. But it will appear on your credit file and is not applicable under CCA requests.

 

I really don't think it's worth discussing or arguing about.

Link to post
Share on other sites

I have a pristine report from credit expert and poor ones from the other 2... I've cracked it. The CRA's might be running a huge [problem]. 1 gives you a clean bill of health and sends you lots of emails about your best loan and CC matches (My spam box is full of them). You think cool and apply for the Gold card with 0% on balance transfer for 50 years , a Porsche 911 GT3 and £50 cash back. for which you are turned down because the imperial bank of evil has carried out a search with at least 2 CRA's, unlucky sir try again and its Kerching for the CRA'a.

Edited by LostAtSea
Put DCA instead of CRA, freudian slip ;)
Link to post
Share on other sites

  • 2 months later...

Lots of banks and building socieities don't update the credit reference agencies with bank accounts unless/until they have an agreed overdraft which has been used.

 

With regard to mobile phone contracts, I believe they are classed as credit agreements because you make calls on the phone throughout the month but don't actually pay for them until the end of each month. This is similar to a credit card in that you can buy things on the card and pay for them later. The only difference with a mobile phone is that you have to pay the bill in full each month.

Compare Experian, Equifax and CallCredit and Find Out How To Get Your Free Credit Report!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...