Will This Affect My Credit Score?

flowapowa22

I was unlucky enough to receive a parking charge notice recently at Gallagher Retail Park, Dundee.  I have read all the information on here and now feel grateful that I'm in Scotland and confident to deal with the situation using the templates provided.  I would like to know however, if ignoring letters from debt collectors will affect my credit rating score? 

Redx

No it won't , debt collectors are powerless

In England and Wales it's the CCJ by a county court that can affect your credit rating if not paid off promptly , usually within a month , this can only happen if taken to court within 6 years

In Scotland I assume that you have a similar system with your Sherriff courts , but within 5 years. This is your simple procedures process which is the system in Scotland

No Court judgment means it cannot affect your credit rating , so do not ignore any letter from the Sheriff's themselves

Here is one that is ongoing

https://forums.moneysavingexpert.com/discussion/6191266/simple-procedure-notice-of-claim-scotland/p1

Coupon-mad

AND - please now make a real difference - A TASK FOR SEPTEMBER.  

YOU ARE ABOUT TO GET KEEPER LIABILITY IN SCOTLAND, DEPENDENT UPON A NEW CODE OF PRACTICE

The Government is (this month only) consulting about a new statutory code of practice (CoP) and framework to rein in the rogue parking firms.  Read and comment on the draft CoP proposal and the enforcement framework consultation, and get everyone you know to do the same.

You will need to register to comment on the CoP and enter an occupation even if you are retired or a homemaker, but otherwise it is easy to navigate, and comment upon each section/subsection individually. You can save comments to edit later and or submit comments once you are happy with them.

https://standardsdevelopment.bsigroup.com/projects/2020-00193#/section

You do not need to register to comment on the enforcement framework which can be found here. It has a link on page 5 to make comments.

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/913272/Code_Enforcement_Framework_consultation.pdf

At the very least, we say the parking charge level should be £50/£25 or higher level £70/£35, as per Council PCNs in E&W.  

And we say the added fake 'debt recovery' costs are just double counting the cost of letters, and MUST GO because that is unfair and illegal.

Please be heard.  You can bet the hundreds of PPCs will be commenting.

No apologies for repeating this vital 'call for action' to consumers, on every thread this month!