Isn't this the exact same as them processing our data and making it public with the CRA's? They have no right to stop UK26 posting his own stuff online, if so then he wants to throw the book at them cos they are doing the exact same on a daily basis whenever that rubbish is advertised on their systems...... I think Lowells are grasping at straws and the more you guys give in the bigger their ego will get....

Hi Please don't take this the wrong way but I am quite educated and understand the meanings of signs! However to clarify, the sign clearly stated "Maximum Stay - No Return within 2 Hours" That's it, no warning about parking fines or anything. I was within the white lines, had valid tax etc and was there less than the 2hrs, but regardless i'd be looking to obtain copies of whatever the parking attendant wrote and if needs be I would call him to court and use my more senior position within the same organisation to question his integrity. I actually manage an internal fraud department, i.e. I spy on staff so I think my integrity is sound lol However, this is a last resort as no doubt it could have repurcussions.....

Ahhh well the law also has a protection in that it is "advisable to pay your PCN and appeal later otherwise you will be liable to the higher amount due, as appeals will unlikely be completed within the prescribed limits" I guess that means as it reads, that you should pay then argue later. It is not an admission of anything but avoiding the risk of having to pay the higher amount and/or it escalating with added court costs etc.... I assumed there may be a law that would allow me to have a bigger appeal, but I know the basics. Bottom line thePCN only shows code 30 - overstayed visit or whatever - there is no mention anywhere about the times he checked. Thanks for all replies so far - please do keep them coming....

Wonder if anyone knows can you get out of a local authority PCN? I was hospital visiting daughter last week and parked on main road. It clearly stated on a sign that you could park (not pay and display - it was free) for a maximum of 2hrs. Thing is I arrived at 13.15 and at 14.29 I got a PCN using code 30 (Parked for Longer than Permitted) but I wasn't! How come the Parking Wardens get away with blatant lying? Is there anything I can do? I rung up the same day and paid using Visa card and thought i'd chargeback later but to be honest i'd rather appeal officially instead of playing dirty games with the council. Thing is, if it comes to an integrity thing with the warden we'd win hands down - we are both senior managers for the same council and graded at the same as the parking wardens managers, managers manager - so my word would stand in court far more than his but it's the principle and I don't want to use my weight because i work there. I shouldn't have to and would rather send a letter and get it wiped. The PCN itself is all legal except the reason because I didn't get there until quarter past one and I had 2hrs (15.15) and when I got to the car at 15.05 I found the ticket. I'd appreciate any help as I don't know how long is left before my appeal time runs out.....

O2 done 3 searches with me and I argued and they said it was correct! I will edit this tomorrow with the direct number to speak to them about the 3 links...... they are a royal pain in the ars!

Hi Guys Looking specifically to issue SAR against Hunters and Experian. Does anyone have a template letter specifically for Credit Agencies? Any help will be appreciated, i'll also update this post with whatever info I see them loading against me to help others out! Nightmare! Was anyone aware of this: SAR to CRA costs only £2.... not £10. Subject access request (Data Protection Act) Under the Data Protection Act, individuals can ask to see the information about themselves that is held on computer and in some paper records. If an individual wants to exercise this subject access right, they should write to the person or organisation that they believe is processing the data. A subject access request must be made in writing and must be accompanied by the appropriate fee. In most cases, the maximum fee will be £10, but this can vary, particularly if the information requested is for health or educational records. If a subject access request is made to a credit reference agency, then the fee is £2, and the information must be provided within seven working days. A request must include enough information to enable the person or organisation to whom the subject is writing to satisfy itself as to their identity and to find the information. A reply must be received within 40 days as long as the necessary fee has been paid. A data controller should act promptly in requesting the fee or any further information necessary to fulfil the request. If a data controller is not processing personal information of which this individual is the data subject, the data controller must reply saying so. Taken from Here

Dave can you sort out my access please mate, its gone! cheers

Fair enough. For info to others, see here: http://www.consumeractiongroup.co.uk/forum/word-banks/183460-nattie-yourbank-has-been.html

Hi sorry you lost your job. However, that was not due to posts on here, if so then PM me and i'll give you details on how to sue them for thousands! Sorry for ranting last time, but it really annoys me when employers think they rule their staff minds - they don't! Chin up.....

As I mentioned in earlier post, because they did not see the act take place!

do you work in security?

31 LOL - that must be a record....

And I thought I had problems with 31 defaults hahaha Chin up, don't let it get you down. I don't...

edit.........

Thanks mate - I couldn't find that thread!!! Cheers..... I am still thinking it's best to wait the time period then everything will drop off. Its hard (almost impossible) to prove I am not the same guy, in a nutshell a close friend done it. Thus I want no legal action taken, but for the sake of the law it was not me. Can you see my dilemma? If I sue/take it further then it means grassing up my friend who i've already beaten black and blue! Bottom line he applied for stuff in my name using my details but said I lived at the house, obviously it was only recently I found out how bad things were but cannot go to police - I don't work like that. So if it means it stays with me for 6yrs so be it. I was hoping, because I never signed for anything etc that I could have it removed.

That's about right, but not quite. All records stay for 6yrs so your UK one will remain for 6yrs but only if you link it as a linked address . Personally, starting again isn't such a bad thing........ Likewise, if you went to Spain and built credit and left after 4yrs, your credit would be there for 6yrs but your UK one would be blank for the last 4yrs as there'd have been no activity because you were abraod. Only reason it'd stay active is if you keep a credit card here with a perne tetc, not use it but keep it handy so it keeps reporting to the CRA's...(make sense yet?) Hope that answers for you.

Have a look at BBC Watchdog (google BBC Watchdog Lowell) - interesting.... BBC - Lowell - chasing debts - Watchdog - Blog Failing that you email the CRA requesting they show the account details of the accounts and they will reply with the data requested via email.

Have a look at BBC Watchdog (google BBC Watchdog Lowell) - interesting.... Link Here: http://www.bbc.co.uk/blogs/watchdog/2009/01/the_chase_for_debts_not_always.html

Sparkie, thanks mate appreciate your reply. assuming it is me for a moment, it isnt but just assume it is (I cant be paying for things just yet so i'm arguing the illegality of the default in the first place) The cra think i'm the other guy cos he lives near me and i'm not on electoral roll at old address (didnt want to pay council tax thats all...) Anyway, I live at diff address to the link they have and I applied for a littlewoods account - got declined straight out then noticed this default on my file. They say it is at X address but my previous address is nothing like it. See my problem? So, what i'm asking is; 1. can the dca add a default? 2. why has the default increased? 3. I never signed nor received a default 4. they only got my address when I applied to them for a product 5. I never had an account in the past - they should prove it surely? 6. my personal details will not match what they have on record. Is this an illegal default?

Hmmm thanks However I wont be paying anything! So because it is only a default does that mean it can stay there for 5yrs and then a day before the 6yr they make it a ccj for another 6yrs> Please help if you know, i'm totally confused.... thanks ;-)

If you'd have scored that goal today then you'd have got a match bonus which would have been plenty for a new car! Ruddy Boruc LOL

Haha - sorry???? Please tell me you're serious - does that add another cock up to the whole thing apart from the fact, it isn't mine, they are a not the lender, if it was mine I wouldnt have signed an agreement with them would i? Please help..... well spotted and what makes you think they added money? Thanks

Bump..... :twisted:

Sparkie, I'm having major issues and I wonder if you have a few minutes to help cos I bet you could - i've tried everything and can't get anywhere but know you're the master and wonder if you'd like a little prodije..... Specifially this link: #1

How condescending does that sound? Disgraceful attitude to have... Alison, it is impossible for his employers to find out, not only that but they couldn't really care less about one little fish amongst a sea of thriving sharks! yourbank, at the end of the day there are loads of bank employees I chat with on other forums who are as blunt as can be and they do not care - if it is factual and their 'personal' opinion then so what? What the hell has my opinion got to do with my employer? I've signed the secret service act as an ex civil servant but that did not mean I cannot speak openly and factually about my job - it means I cannot speak factually about cases, processes and people! Yea, different if I am say a paedo and run a school - then of course my personal opinion and views would matter as it would have a bearing on my ability to perform my duties.. Your commenting on a public forum does not matter in the slightest and to be honest, regardless of what you may believe, you've never sat down and chatted with your chief exec (i.e. goody) nor do you know him on a personal level so please get off your high horse and stop acting 'big'. Fred 'Goody' Goodwin wouldn't change policy cos a bank clerk asked or suggested it - we both know that. He looks down at you guys as the plankton - accept it. Sorry, he did look down on you lol - to think the man that used to earn over 5m a year is unemployed signing on at Paisley West JC+! Pure bliss, helps me sleep better at night!!!! p.s. I'm an ex bank employee and offer this in a neutral opinion. I worked for Natwest (RBS Group) & YB and they are crap - I didn't even bank with them when I worked there! They are shocking and I would say this to the CEO's face - and I did meet him, just to add salt to your hurting wounds (I met 'Goody' when he was a humble CEO at YB, 1997 if memory serves me right)! Never met him at Natwest and was in very high position.... hmmmm, maybe after his knighthood (in 2004 ish) he classed us little people as **** - one ponders? Enough said.