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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?/    Yes      5 Is there any photographic evidence of the event?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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bowcreek

CCJs paid in full - Pre Employment check

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Dear members, I received 3 x CCJs last year to do with Private parking firms but every time came across them well on time with help of my credit score agency and decided to pay up in full within 1 month of judgement date.

 

 

Just checked for any judgements for peace of mind by paying up for a report via https://www.rtlproduction.com/search.aspx and report says "Nothing Registered"

 

 

Question is - I've been offered a job which needs an external company to carry on pre employment checks and one of the questions on the form is

 

 

"Have you ever had civil proceedings taken against you by creditors e.g CCJ or IVA?, if yes please provide details."

 

 

What is the right thing to do? Should I say No based on report I just ran? Or should I say yes and put a note explaining why did I get it (all comms sent to wrong address and claimant won by default) and that its all paid up in full?

 

 

How do these agency check such record?

 

 

thanks

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If all paid up within the 28 dys, no judgment registered, so nothing for them to see.


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Just tell them no. Nothing will appear on any record because nothing is entered until 28 days after the CCJ is granted.


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..

 

 

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It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

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Doesnt matter if proceeding were taken. Nothing is on the register so the CCJ doesnt exist. Payment within 28 days wipes it.


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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Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please


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Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please

 

I copied and pasted the question from the form as is.

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It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

 

No hearing or anything happened. All 3 were judgements by default because claims were sent to old address where vehicle was left registered unfortunately. I figured out each time via my credit file alerts.

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Pers id say no then


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I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

You could try ringing one of these vetting type on companies and ask if they could trace someone who had paid off a ccj within a month .[You might have to make up some story that your company is looking for that kind of service as financial probity is very important in your profession and is that the sort of service that they could provide].

 

The other question I have is how did you not manage to prevent the second and third tickets from going to Court. A mail redirect would surely have nipped them in the bud.

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I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

I'll join you in that minority. The question the employer check asks isn't "Have you ever had a CCJ?" it's "Have you ever had civil proceedings taken against you by creditors?" A CCJ is just an example. So is the answer to the question they actually ask 'Yes' or 'No'?

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TBH they wont give a toss about a CCJ from a parking co when you moved house,

it is not about whether you can manage your finances or not which is what they are interested in.

 

If you say no then if they search the register will your name appear?

they cant do a search for names of people were sued whose cases were settled becuase no such list exists.

 

Again, what about if you were taken to court and the judge decided the claimant was an out and out rogue,

that wouldnt appear on the list of claim numbers and names so when they ask about this they are saying FOR EXAMPLE as their list isnt exhaustive and certainly isnt accurate when considering the question.

 

People who sue arent always creditors.

You could be sued for damages caused by your dog biting next doors cat

so a CCJ for that wouldnt need to be nentioned even though you hadnt paid the order

 

So whatever you say wont be wrong or right because it isnt a proper question.

Edited by dx100uk
spacing

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