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    • Thanks so much!    1. Ok so on planning permission my WS says: The signs did not have planning permission under the Town and County planning. I have an email stating there was no planning permission from the council.The signs do not fall under deemed consent.  * Their WS says they do not need planning permission by being an approved operator of the trade association, and it is not for the  county court to determine planning permission.       2. Excel are trying to say I’m dishonest. Their WS states my defence appears to be cut and pasted from websites relating to parking whose aim is to assist motorists on contesting PCN's. Large portions are non sensical and irrelevant to the claim This is Unacceptable as the defendant has signed a statement of truth whilst clearly not being the defendants knowledge  Q Any comments?      Their WS states that I alleged I received no correspondence, and the onus is on the driver to update DVLA. I did update DVLA, but I moved numerous times due to domestic abuse. This was in my set aside and part of why it was granted. Evidence was provided at that time. Q Is this going to come up again?    *Also they question how I would be able to comment on the signs if I’m not the driver of the vehicle, as she would not have first hand knowledge, therefore it is the claimants position that she is being disingenuous.  I state that photos will be provided in my bundle. I actually haven’t submitted any but I do also know somebody who had PCN from the same carpark, He gave me all his evidence etc, Mr Booth and he won his case. I linked to the parking pranksters article on it.  Q So is it ok to use such websites and to use photos from someone else?    Thanks 
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peter1234

Default wrong date on credit report

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Hi I have a default dated 26th October 2009 on my credit report.

The default was actually issued 26th August 2009.

 

Can I get this changed. or do they report a default as 2 month later for some reason.

 

With thanks

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wont really matter much.

 

 

dx


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Well it does as it is about to be wiped off my report.

 

 

Would help me for that to be August not October as wish to apply for a mortgage.

 

 

I have a credit score of 450.

 

 

I would not want a default to prevent a mortage when the date is 2 months out.

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the issuance of dn does not mean they have to issue the default on that date

 

 

its permission to register a default if and when they want too.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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So they could send me a default and not issue it to my credit file untill months later. Makes a mockery of the 6 year rule

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Weve had that case with Minicredit and Kapama recently, not to forget the Welcome Finance fiasco.

 

I wouldnt worry about it.

Its a couple of months, hold of on the Mortgage for a while


**Fko-Filee**

Receptaculum Ignis

 

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I would if house prices were not shooting up in my area. A property bought last Nov for £135 is now £179. ( research on sold prices) So another 4 months rather than 2 could cost a lot more.

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up this time of year and down from september has been the trend in most areas it seems I noticed


:mad2::-x:jaw::sad:

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So they could send me a default and not issue it to my credit file untill months later. Makes a mockery of the 6 year rule

 

The Information Commissioner advises they should do it in a timely manner (whatever that is). It is my understanding if they delay longer than 6 months from the issuing of the default notice to the placing of the default marker, the ICO will investigate.


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If you read the Default Notice - you will see that this is one of the options they have open to them if the default isn't remedied in the time allotted.

 

They can

 

Sell the debt on

Use a Debt Collector

Issue a claim form

Report to the credit reference agencies.

 

Sadly, it doesn't provide a time limit for them doing any of those and in some cases, they actually leave it right up until a few weeks prior to issuing a claim form ?


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So they could send me a default and not issue it to my credit file untill months later. Makes a mockery of the 6 year rule

 

 

they did not send you a default..

'..they sent you a default notice.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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