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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
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someone has taken a credit card in my name and defaulted help!!


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Hi I hope I have posted this in the correct forum.

 

I found out at the beginning of this year that a close family member had taken out a credit card and catalogues in my name and defaulted.

 

I believe the credit card has been settled (their word only) and payments are being made on the other debts.

 

The problem is myself and fiancé have been saving hard for a house deposit and will now be refused a mortgage!

 

is there anything I can do to get these defaults removed without getting family member in to trouble?

 

any help greatly appreciated!

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You need to speak to action fraud. If you keep taking the blame for the family member then YOU will be liable. Especially as the defaults are in your name.

 

Even more important, if you dont get these removed, as its identity theft and fraud, then they will stay on your credit file for 6 YEARS and you will be fully liable for repayments.

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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Check your credit file.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Th credit record can be sorted if action fraud deem that it is indeed fraud and identity theft. However, it isnt an overnight change., IT may take months.

 

You say you dont want to turn the family member in, yet they had no problems doing fraud, plus denying you your own home and a mortgage, yet you are still defending them.

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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I have checked my credit file earlier in the year which is how I discovered the default!

 

I'd check it again, Noodle is free, let you know what the score is now.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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A crime has been committed here, and needs to be reported otherwise you will be stuck with an appalling credit profile for at least 6 years, the creditors involved and any DCAs that may become involved will Not accept the 'it wasn't me' defence to this they will expect to see that you have taken appropriate action to rectify this.

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I really feel for you especially if it is a very close family member. If the person has no criminal record at the moment I think it unlikely they would be locked up so I would report them to the police and get a crime number which will help get the defaults removed.

 

You really are not doing them any favours by not reporting him/her although the pressure put on you by other family members can make it hard. In my case it was my stepson who was the problem, stole from me, his mother and his father

Any opinion I give is from personal experience .

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Swift response to the initial inquiry is no! From the creditors point of view they gave money out and wont just accept "It wasn't me" they want someone to be liable. What is the value of debt outstanding? Ultimately to get this off your credit file you need to report it as fraud. What are family relationships like over this matter. If things are amicable then maybe you can explain to the person why you have no choice but to report them. If there was someway the debt could be cleared quickly, before you made the report that would help said persons case. If no one suffered any loss from the fraud, all monies repaid, and they have no record, any punishment is likely to be minimal. should you not report it, and said person stops paying you will be chased as liable. There is a record you checked your file earlier this year and haven't flagged up a problem, so convincing companies of fraud after defaults would be significantly harder. You need you credit report and a full picture of the situation asap. Also be aware there may be other credit taken out, not yet on your file.

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