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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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      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.

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NatWest CRA markers***Resolved***


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This late payment marker business gets more bizarre by the day.

 

I sent the email to the CEO of NatWest-

as yet no reply

but to be honest I wasn’t expecting one

but it was worth a go.

 

I had a letter today from Noddle with the response from NatWest saying they won’t remove the data despite assurances from NatWest that they would delete this data.

 

I now have my latest Clear Score report at its showing a new NAtWest loan account with two missed payments in September and October this year!!!

 

all four CRA are showing a different record!!!

 

I have contacted the FOS and explained the situation and they say they will contact NatWest for an explanation as they seem unwilling to give one directly to me.

 

Do creditors ever report payments made against a CCJ to CRA’s?

(I can’t find anything on the web that suggest they do)

 

The CCJ was secured against the personal loan these markers relate to and an overdraft (they were in the same claim).

 

Would any payments made in lieu of the CCJ show on my credit file after the default dropped off my file?..

 

if yes this wouldn’t explain why Experian in showing it as 3 late payments dating back 70+ months!!

 

If it all wasn’t so stressful I might find it funny!

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These late Payment markers refer to a Loan account that defaulted in September 2011 and was recorded as such. The default markers subsequently fell off as expected in September. It is now showing as a solitary 3 late payments maker on Noddle and Equifax but Experian is reporting it as a late payment dating back 72 months. I have started a thread for this here

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?482548-NatWest-CRA-markers&p=5078332#post5078332

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Does anyone know if a creditor is a liberty to place markers on your credit report that relate to a CCJ once the original default has dropped off the credit report?

 

My understanding from what I’ve read is that a creditor can only apply for a judgement if an account has been defaulted.

 

as the default will pre date the judgment

the judgement will remain on credit file until it 6th birthday.

 

However any payments made in respect of the judgement may show as payment toward the outstanding balance so will these payment still be recorded once the 6+ years from DF have elapsed?

 

Are payments made toward a CCJ in principle a new account?

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Payments to a Judgment are not connected to a default or CRAs

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  • 2 weeks later...

Finally sorted (well almost),

I received an email yesterday from the FOS stating that NatWest have admitted that the markers are incorrect and that they will go ahead and deleted my file... YAY!!!

 

They have also offered me £100 compensation.

 

They say it can take up to 6 week to be cleared from my CF.

 

Considering the huge effort this has taken in time and sleepless nights I think 100 quid is a bit low but hey the most important thing is that these markers are removed, so I’m nearly there.

 

By the way the woman at the FOS who has been handling my case has been excellent and the whole experience became far less stressful once they were involved.

 

What is most frustrating is that it really shouldn’t have been this difficult and had the action promised in the 1st instance been taken this issue could have been resolved weeks ago!!!!

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Well done ..thread title amended.

 

Regards

 

Andy

We could do with some help from you.

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  • 6 months later...

Hi, I received a letter from my good friends NatWest (remediation team) re a Loan that defaulted sometime in 2012. Along with a defaulted overdraft it was secured by them with a CCJ. Unfortunately this happened before I discovered this site as a sar revealed they had no paper work for either but never mind the CCJ drops off my credit file later this year.

Right back to this letter. They state that as they didn't send me NOSIA statements for a year the owe me the princely sum of £34.44 in interest i shouldn't have been charged. This money they are very kindly going to use to pay down my dept. You've got to love em. So my question is, should they have added interest to this and should I do anything about it if so.

You good advice ill be most welcome as ever.

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Id be very wary of this just in case I could restart the clock.

I dont think it does because its the lender re ajusting the debt, but you know the little cherubs do underhanded things.

Others will have more knowledge

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy,

I'm still a bit confused as to why after securing a judgment on the loan they now after 6 years would bother to check there records! I smell a rat.

 

I have had no end of issues with NatWest over the years.

I am paying the CCJ as the court ordered and as it drops off my credit file at the end of this year so I certainly don't wan't to do anything to re set the clock!

 

I've already had a fight with them last year over late payment markers that shouldn't have been on my credit file. But I've always followed your advice and it's worked for me so far.

 

I'm just sorry I didn't know about you guys when this all kicked off, from what I've read and discovered since there's a pretty good chance I could have defended this.

 

The CCJ and subsequent incorrect reporting of data has had a hugely detrimental effect on my life.

 

Can I claim interest on this money or am I best off leaving it well alone?

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Its all connected to the CCA2006 amendments..irrespective of whether the debt is a judgment or not..the creditor must issue a NOSIA....if not they are prevented from charging interest...hence the credit.

 

Given the fact that your debt is subject to a Judgment its irrelevant anyway...you cant claim interest...and there is nothing to reset...your making payments as per the judgment.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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