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    • worth a punt, but just remember 'view obstruction' comes down to things like bushes and trees etc, not when a sign that was put up, then in the said area whatever it was that required said bay hides the sign. they cant see into in future . You have 28 days to challenge a PCN. If you do it within 14 days and your challenge is rejected, you may only have to pay 50% of the fine. Check the ticket - there are different rules for some types of PCN. You will not have to pay the fine if your informal challenge is accepted.  
    • I've sent the EX107 already and chosen a transcript company. The Court is dragging it's heels though with actioning the transcript of the judgement and approving it to the external company.  I don't yet have permission to appeal. It's small claims. As I understand it I can send the N164 within 21 days and just tick the box saying I don't have permission to appeal? And then the request to appeal will have been submitted in the timeframe, giving me a further 14 days to submit the appeal bundle and include the transcript of the Judgment with the appeal bundle? 
    • I've had a quick look. Are these your pictures or the ones from your customer? Certainly I can understand parcel to go say that they can't see any damage.  Also picture number one with the parcel standing out in the sunshine isn't going to be very helpful to you.   
    • nothing yes ignore everything totally  unless by a very rare chance one of them is a letter of claim with a reply pack wanting stuff like I&E etc. dx  
    • One thing I notice from the council rejection is that it states: 'The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief.' Then he states: Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I would take from above that  he/she is admitting the suspension warning was not clearly visible?   Question for you Mycathasfleas Is it possible to pay the reduced amount first and then appeal the PCN afterwards using the tribunal?
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CRA - there is more than they show us


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I recently found out after a SAR request to a DCA that at least Experian provide more information about credit applications than we can see on our reports !

 

There was info about Employment Status, Number of Dependants and Property Value

- none of this is shown on the credit reports

 

Anyone know how they get this info and why it isn't shown on a typical report ?

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I recently found out after a SAR request to a DCA that at least Experian provide more information about credit applications than we can see on our reports !

 

There was info about Employment Status, Number of Dependants and Property Value

- none of this is shown on the credit reports

 

Anyone know how they get this info and why it isn't shown on a typical report ?

 

 

Have you queried this with Experian? I'm sure others would appreciate seeing the result.

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I'd be interested in the answer to this too, I've just read the first line of my experian report again and it states 'Thank you for your recent application for a credit report. This includes all the information that we hold about you at the addresses shown on page 2 of your report.'

 

Well clearly not 'ALL' if what the OP has discovered is common practice.

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I'd be interested in the answer to this too, I've just read the first line of my experian report again and it states 'Thank you for your recenapplication for a credit report. This includes all the information that we hold about you at the addresses shown on page 2 of your report.'

 

Well clearly not 'ALL' if what the OP has discovered is common practice.

 

 

All the data at the data subjects addresses does Not mean this will be same for every individual, it simply cannot be so.

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Hi Catquest,

 

 

When you apply for a credit report you are making a limited access request,

the report will contain all the information that a lender may see when they run a credit check on you,

at the addresses you have supplied in your application.

This is what is considered your credit report.

 

 

However Experian as a company may hold other information which does not make up part of your credit report.

 

 

When you apply for a Data Subject Access request we will provide you with all of the information that we hold that relates to you.

This includes information from all parts of Experian and not just what makes up your credit report.

 

 

In this instance the information relating to employment, number of dependants and property value would have been provided in a past application for credit.

Experian would have then processed this application for the company concerned.

We collate and store this date as part of the fraud-prevention work we support lenders with.

The permission to store this data would have been provided as part of the terms and conditions of the application.

 

 

So although Experian holds this information, it is not part of your credit report

and will not be shared with other lenders when you make future applications.

 

 

I hope you find this information useful,

 

 

Kind regards

 

 

Experian Expert Neil

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Hi Catquest, When you apply for a credit report you are making a limited access request, the report will contain all the information that a lender may see when they run a credit check on you, at the addresses you have supplied in your application. This is what is considered your credit report. However Experian as a company may hold other information which does not make up part of your credit report. When you apply for a Data Subject Access request we will provide you with all of the information that we hold that relates to you. This includes information from all parts of Experian and not just what makes up your credit report. In this instance the information relating to employment, number of dependants and property value would have been provided in a past application for credit. Experian would have then processed this application for the company concerned. We collate and store this date as part of the fraud-prevention work we support lenders with. The permission to store this data would have been provided as part of the terms and conditions of the application. So although Experian holds this information, it is not part of your credit report and will not be shared with other lenders when you make future applications. I hope you find this information useful, Kind regardsExperian Expert Neil

 

 

Thank you Neil!4

 

 

Does Experian charge the £10.00 statutory fee for the Subject Access Request?

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The permission to store this data would have been provided as part of the terms and conditions of the application.

 

 

So how do they square this when it has been proved that NO agreement was ever signed ?

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So how do they square this when it has been proved that NO agreement was ever signed ?

One then gets into the complexity of, if an credit facility of any type is opened in an individuals name and under their address, and the facility is used by said individual is not a contract existing between debtor and creditor, if not then has the debtor misappropriated funds to which he/she is not entitled to?

 

 

Someone has provided Name/Address/ age/DOB/ income data/employment status/etc., if not how was such a credit

facility opened by the creditor and used by the debtor made available?

 

 

Thus an operational credit account gets reported to credit reference agencies.

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It's not a standard £10 actually, it is 'up to' but most private companies are greedy and love to rip people off.

A Statutory Maximum Fee.

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In this instance the information relating to employment, number of dependants and property value would have been provided in a past application for credit.

 

But no one applies for credit from Experian, we apply at a bank and give THEM our personal and financial info, the bank uses the information we have given them then checks a persons credit report for identity and how credit worthy we are based on our past behaviour elsewhere.

 

I think Experian and others should be honest with their customers and update their literature about the extra information they hold about us, it doesnt matter that another lender cannot see this extra information - by the way let me guess who can see this extra info apart from Experian............Government departments maybe?

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But no one applies for credit from Experian, we apply at a bank and give THEM our personal and financial info, the bank uses the information we have given them then checks a persons credit report for identity and how credit worthy we are based on our past behaviour elsewhere.

 

I think Experian and others should be honest with their customers and update their literature about the extra information they hold about us, it doesnt matter that another lender cannot see this extra information - by the way let me guess who can see this extra info apart from Experian............Government departments maybe?

 

 

The " extra" information is not I think anything to do with credit or credit applications, more to do with " public information" re property prices and sales etc.

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Hi Catquest,

 

 

When you apply for a credit report you are making a limited access request,

the report will contain all the information that a lender may see when they run a credit check on you,

at the addresses you have supplied in your application.

This is what is considered your credit report.

 

 

However Experian as a company may hold other information which does not make up part of your credit report.

 

 

When you apply for a Data Subject Access request we will provide you with all of the information that we hold that relates to you.

This includes information from all parts of Experian and not just what makes up your credit report.

 

 

In this instance the information relating to employment, number of dependants and property value would have been provided in a past application for credit.

Experian would have then processed this application for the company concerned.

We collate and store this date as part of the fraud-prevention work we support lenders with.

The permission to store this data would have been provided as part of the terms and conditions of the application.

 

 

So although Experian holds this information, it is not part of your credit report

and will not be shared with other lenders when you make future applications.

 

 

I hope you find this information useful,

 

 

Kind regards

 

 

Experian Expert Neil

 

Thank you Neil, but incorrect.

The sheet in my SAR request from a DCA related to a loan with a lender that had nothing to do with the DCA

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Thank you Neil, but incorrect.

The sheet in my SAR request from a DCA related to a loan with a lender that had nothing to do with the DCA

 

 

Why was a SAR sent to a DCA it would have little or no data?

 

 

The DCA may well have had it's hands on such an account as did the rounds of the "industry"

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As I've often said before, why should WE have to pay for the data they insist in storing on us. We didn't ask them to do this directly in the first place, it came about due to dubious campaining in the 70s about the amount of credit card debt somebody could open in one day.

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Why was a SAR sent to a DCA it would have little or no data?

 

 

The DCA may well have had it's hands on such an account as did the rounds of the "industry"

 

It's a complicated story, but the DCA and their various subagents used a wrong address and I wanted to find out the root of the problem.

The loan was with my bank and had absolutely no involvement with the DCA

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It's a complicated story, but the DCA and their various subagents used a wrong address and I wanted to find out the root of the problem.

The loan was with my bank and had absolutely no involvement with the DCA

 

 

Emm this could come from linked accounts that have been searched that have thrown up this loan an appears in their records with your name etc., so it comes up in a SAR.

 

 

Just a suggestion from many years use of CRAs.

 

 

You can send a SAR to a CRA you may well be surprised by what you find!!

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  • 3 weeks later...
One then gets into the complexity of, if an credit facility of any type is opened in an individuals name and under their address, and the facility is used by said individual is not a contract existing between debtor and creditor, if not then has the debtor misappropriated funds to which he/she is not entitled to?

 

 

Someone has provided Name/Address/ age/DOB/ income data/employment status/etc., if not how was such a credit

facility opened by the creditor and used by the debtor made available?

 

 

Thus an operational credit account gets reported to credit reference agencies.

 

Permission must be given for any data sharing. If there is no agreement there cannot be any permission to share.

 

It could also be argued that the items purchased were a gift from the credit provider and by paying them they have had unfair enrichment because there was no legal agreement in place.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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