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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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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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Equifax still showing bad credit after 6 years


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Hello,

 

Sorry that my question is a little basic but like most new people im having trouble getting my head around the rules. Plus i have terrible baby brain at the moment!

 

After a long 6 years of repairing my credit history (which is now in the excellent category! :wink:) I have just checked my equifax report, as i will shortly be needing to apply for a mortgage, to find out that I can still view old credit agreements including late payments and a default which stretch back past the 6 year limit. are equifax displaying this information on my credit checks and are they allowed to? should i be applying for them to remove it?

 

Also does the six year limit date from the last acknowledgement of payment, or the default notice? i.e. if the last payment in relation to a debt was paid in July, the first non payment in August and the Default to a DC in Nov, when would it become written off?

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Email or call them and theyll update their records. If its been more than 6 years, then it will drop off. Sometimes the entires just need a little push. The 6 year timer starts from the moment the entry is listed on the report. No matter what happens, it gets removed on the 6 year mark and cannot be relisted.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thanks renegadeimp,

 

After looking a bit more am i right in understanding the account information becomes invisible on credit checks 6 years after its last entry even if i can see it myself?

 

So technically accounts that were settled and ended in 06 but I can still see all payment history for since 2004 will become invisible in sept 2012?

 

And my larger worry...

 

The defaulted account....

 

1. last acknowledgement and payment made in July 06, thus this month am i right in thinking it becomes statute bared?

 

2. Default issued in Nov 06, so does this mean i have to wait until December 12 until it becomes invisible and i can apply for a mortgage or credit card (not that i want or need to use a credit card, just to help things on their way) even though i have a higher than average credit rating?

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Nope. If its listed, then ANYONE can see it who is searching your file. When they drop off, they vanish. To everyone including yourself.

 

Remember, its from the date of default. If there are bad payment markers for more than 6 months before the 6 years are up, then you should really get in touch with the compliance manager or ICO, as a default needs to be recorded within 6 months of the incident that caused the non payments.

 

So in answer to your questions:

 

1. It will drop off your file this month and will become SB. Howeever, creditors can still chase the debt, but not enforce it through court. If this happens, simply send them the SB letter from the library on CAG, and that will be the end of that debt.

 

2. Yep.

 

In regards to you getting a mortgage, it is unlikely you will get one unless you get a guarantor or your partner has a good record. This is because the majority of lenders are now looking at 3-6 years of clear and good credit history now to even consider giving people a mortgage.

Your credit score is not a end all be all solution. It is simply a guide for lenders searching your file. Most lenders have their own comprehensive inhouse system in place. You could be denied for having a CCJ, default ( even though it expires this month), you could even be denied for having 1 late payment marker on your account. It is completely up to the lender how they score your file. The CRA's credit score is meant as a very relaxed guide.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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So technically im debt free from the end of this month :-D. But if i have to wait a couple more months to apply for stuff, then thats what ill do.

 

Stupidly i let an ex take advantage of my name when i was younger and have been clearing it up ever since, a very hard lesson to learn.

 

I will check back in september to ensure that the old settled accounts are beginning to drop off and then again in december to check that the default has gone, if not i will contact equifax to get it removed. Apart from that my credit history is lovely and shiny and has been since 2006.

 

 

Thanks ever so much for your kind advice!

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If the debt that reaches its 6th birthday expires this month is your only one on the file, then yes. Just remember, on their 6th birthday they go, but sometimes the CRA's can be slow to update their records. Sometimes taking 2-4 weeks. Thats why i said, give them a week after the expiry then ask them to update.

 

Make sure you check all 3 agencies, just to make sure that all entries line up and there arent any entries that have been made with different dates or without your knowledge.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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The fact that a default entry is removed after 6 years may not

necessarily mean that the debt is statute barred you need to check

the dates of the last payment and or written acknowledgment of the

debt.

 

Remember also that until you inform the creditor in writting that the

debt IS statute barred and you will therefore not be paying they can

still press for payment, but cannot enforce the debt in court.

 

You will see historic entries on your files.

 

Credit scores are a day to day indication for You to see how yo may be considered

for credit.

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Right, so historic entries even if they stretch back prior to the 6 years are still visible then and thus i and other people will always be able to see them?

 

I am certain of the July date for it becoming statue barred as it was the last date that anyone acknowledged it by payment or in writing, i have checked. I made sure of this a few years back when i found out what had happened and they were in fact chasing me and not the **** bag whose debt it actually was (i was such i naive child when i was younger, hence the awful mess i let myself get into). Anyway i found my way here, and thank god I did because the advice and support i received not to mention the wonderful resources the kind people have supplied for others to use helped me successfully halt the DCAs from bothering me again by issuing them with a CCA and then an account in dispute letter. If they try coming after me now i will get the statute bared letter off to them so fast it will make their heads spin.

 

Ive done my time now, and ive been good and learnt my lesson. i have learnt to save, dont rely on credit (only having the bare minimum to repair and keep my credit rating ticking over) and never buy when i cant afford it. I want to be able to get on with my life now and build a safe home for myself and my new family, hence the fact i am trying to plan the exact time when i can apply for a mortgage so i am not hindering our chances of being successful.

 

So to recap then....

 

the defaulted account will be statute barred from the end of July, the default will expire at the end of November, and I can apply for a mortgage in December without the fear of the default appearing on my now otherwise spotless for 6 years credit history? Should i or should i not be able to see the default after the beginning of December so i know whether to get onto the CRAs to remove it?

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Other people cant see them once theyve fallen off.

 

If they coulld there would be little point with the 6 year removal rule.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They are there for your gudance and can useful if ''old''

matters suddenly show up again, as they often do.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

I have a very similar case to indigo_child.

The default was recorded as of October 2006 and after 6 months the debt was transferd to a collection agency. Under the threat of getting a CCJ, I agreed to make payments to clear the outstanding amount of £100 a month. As the rest of my history is now virtualy perfect, I have still been making the payments so as not to damage my credit history again.

By reading your replies on this thread, would I be correct in assuming that I need no longer to make payments after November 2012, by simply sending a SB letter?

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NO if you have been making payment the debt IS NOT STATUTE BARRED.

 

Definition OF STATUTE BARRED IS:- NO payments to the account to any creditor for 6 clear years and or NO written acknowledgment of liability.

 

Just because a defaulted debt is removed from CRA files DOES NOT MEAN IT IS STATUTE BARRED all defaults are removed after 6 years PAID OR NOT>

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Many thanks for that.

Is there a legal minimum amount that has to be paid to these agencies?

As the outstanding amount is intrest free and although I have made offers to them in the past to clear the balance (which have been refused), I have no real problems in making them wait for their money.

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Pay what you can realistically afford. DOnt just pay the bare minimum if you can afford more, especially if your creditors start asking for I&E forms or budget summaries.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just note DCAs/Creditors can request I&E BUT they do not have the right to denand it, it is your money you decide what you can reasonably afford to pay!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I have the same issue - I contacted Checkmyfile about this & they told me that the entries do not fall off after 6 years; the account (& all entries) show up until 6 years after the account is closed! Is this true? It means that for me bad debt is going to show for a lot longer than 6 years after it happened - eg late payments in 2006, but did not close the accounts until 2009. Can I do anything about this? I have contacted Equifax and have had no response. Thanks!

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ALL DEFAULTED ACCOUNT are removed on the 6th aniversary of the default date, if an account is NOT Defaulted it will remain for 6 years after the date of settlement or closure..

 

Was that account defaulted or not????

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  • 6 months later...

First time on the forum but hoping someone can clarify info for me please. Ive looked recently at my credit file and there are a couple of defaults dating back to 2007, obviously I now know they will be removed after 6 years but I am paying a DCA every month towards these debts as they were sold on to them from the original creditor. Financially things still arent good but what rights do they have to take me to court if I can no longer continue to repay them seems as they are not my original creditor. I am getting to my wits end trying to maintain payments and every day bills......... Id aprpeciate some advice, thank you.

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The entries will be removed on the 6th anniversary of the default as you say.

 

Have you had any statements from the DCA, do you know how much is still owed?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yes, a substantial amount of money, from what I can afford to pay them it will never get paid off in my lifetime on one and slightly less on the other one. They are managed by two diffeerent companies the larger debt is from a company who are pretty easy to deal with when it comes to DCA the other one are more persistant if you are a day late you get 20 phone calls.

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