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    • as you mention the bpa sounds like its a scummy private car park lot blue badges mean nothing on private land anyway.............. so a failure to display something that is meaningless on private land anyway is a money grabbing scam moved to the private parking forum dx dx
    • who is it from  a council or a private parking company?
    • As per the heading, received a parking charge for failure to display a blue badge in a disabled bay on a retail park.  I am a blue badge holder, disabled/wheelchair user with a Motability vehicle. I received the charge as 'notice to keeper' I was not the driver. I don't have a valid driving license so use a carer. The notice arrived a week after the alleged incident. It states that as the 'driver' failed to pay the charge in full  hence, it is now the keepers responsibility ( the notice was dated 2 days after the alleged infringement and as no notice to driver was on the vehicle, I don't know how they expect the driver to be able to either pay or dispute the charge if they are not aware of it) Anyway, really looking for help how to reply. I cannot remember if the badge was correctly displayed or not. Photos taken of car miss a bit where I store my badge if not displayed so it would be possible to see a badge even if not 'correctly displayed" . It was a bit of a sh**ty day weather wise, gusty and raining  (as seen on the photos which reminded me of the actual day) so it is possible that badge blew to the floor as the driver was helping me out of the car into wheelchair. There is no windscreen photo showing that a PCN to "Driver" was stuck on the window either. The car park is free. There are no Parking Signs at all near the disabled bays that one could read to adhere to any terms and conditions. The whole row of disabled bays - of which are there many only state badge holders ( does not stipulate Blue Badge Holders) The notice states that the parking company is a member of the BPA and Operating in accordance with the British Parking Association's Code of Practice. The BPA, section 19.1 State that at least one parking sign should be near the disabled bays, in a position that can be easily  read by by a disabled person without leaving their car in order to decide to be bound by such terms. We returned to look for signage on the retail park and could not find one sign that was near the bays. The only sign we could find was high up on a pole but not near the bays. Someone had to get out of the car and stand on tip toes to be able to take a photo of a sign. I would be grateful if someone could help or point me in the right direction. It is now  15 days since the alleged incident and 7 days since I received the notice.
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      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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barclaycard debt but not on credit file


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Are you getting statements of the account still??

Do you know when this account last showed on

credit files, you can get 6 years of records from the

CRA.

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what is a CRA file? (my credit file that i got from credit expert?).....its this cre that does not mention barclaycard but does mention the other two........i pay a company called "IDR Finance Ltd" as per barclaycards instruction.....the letter from IDR Finance starting from june states:

 

"we write to confirm that barclaycard have assigned your account to us. we have appointed link financial outsourcing ltd to manage your account on our behalf......."

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Credit Reference Agencies - The Uk ones are http://www.experien.co.uk, http://www.equifax.co.uk and http://www.callcreditcheck.com

 

The lenders give information on a monthly basis to how you deal with your loans,credit cards, bank account etc, i don't believe it is compulsory for lenders to use them but it is recommended and give anyone you have applied to for credit, a good idea of your ability to repay, or not.

 

I have not had any delaings with IDR or Link but I guess BC sold or assigned the debt which is why they do not show on your file.

 

Are you making an affordable payment which they have accepted and have they stopped adding further charges?

 

A bit more history from you will help for others to comment and offer help/advice.

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I was paying BC a token payment for six months when i lost my job, then in june they wrote to say debt has been assigned to IDR Finance and to pay the token payments to them and is up for review next month.....they have frozen all interest etc,

 

i am just wondering why it doesn't show up on this credit expert, does it mean the debt is not registered? very strange....

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But your file does show IDR which is now correct if BC have sold the debt to them.

 

If you are happy to continue to pay IDR that's fine, they will however have purchased the debt from BC for a fraction of the balance owed but you state they are not adding any further charges.

 

Keep your eye on the balance and that it reduces by the amount you pay each month, just in case they decide to pop a few charges on hoping that you don't notice!

 

Did you ever have late fees added before it was sold on? It's highly likely! So you can claim these back and reduce the balance further, or any Payment Protection (PPI) which can also be claimed back.

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Sorry Confused bunny, it's the way I read post 8, when you said the other two show I thought you meant IDR or Link.

 

What happens if you stop paying? You will be hounded and bombarded with calls and letters with all sorts of threats and they could at some point take legal action against you!

 

If you have had charges back and they are not adding any more and there is no PPI, I guess there is no where else to go, unless anyone else has any suggestions.

 

The unenforcability route isn't advised on CAG of late due to reconstructed agreements being accepted in court.

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