If you are talking about it being on your file, then it is the CRA first. Then when they get back to you, the creditor.
Sort of, " my debt is over 6 years old and has been on my record all that time, this is contrary to Data Protection rules".
If you suspect that an agreement is SB, you should always make a claim to the creditor saying so. "just a little detail , not to much. "I have had no contact, and the debt was closed over six years ago."
When the creditor threatens an action to recover money, the burden of proof falls on the debtor to show that he is not SB.
However once you replay and state you are SB, if becomes incumbent on the creditor to show the debt is not SB.
Thanks for clarifying.
I'm even more confused by all the technicalities. Are you saying that when I receive the SAR, from OBS, there should be much more information about the actual offence, such as entry and exit times and a breakdown of their charges etc?
As for driver/keeper, can I use that as a point of order, as the driver has not been identified?
Para 4 says, the driver agreed to pay and D is liable 'as the driver' and the keeper, how can they know who the driver was, and why would the keeper be at fault, if the keeper wasn't the driver and the driver agreed to pay? Sounds like Monty Python...