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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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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