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PPC performing a credit search

2

Comments

  • beamerguy
    beamerguy Posts: 17,587 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    blackmath wrote: »
    Ah, sorry. I was a little vague, could have phrased it better. They have more than one.

    So from the latter DVLA search they would have an updated address.

    You have multiple tickets then.
    So, are you saying that from the first ticket to the last one, the address changed
  • blackmath
    blackmath Posts: 95 Forumite
    Ninth Anniversary 10 Posts Name Dropper
    beamerguy wrote: »
    You have multiple tickets then.
    So, are you saying that from the first ticket to the last one, the address changed

    Precisely.

    I can see why I wasn't the most clear.

    However, going back to my original question. Any opinions?
  • pappa_golf
    pappa_golf Posts: 8,895 Forumite
    1,000 Posts Combo Breaker
    the PPC can only use data from the DVLA for the relivent ticket issued , if they are using info obtained at a later date they have broken thier agreement with the DVLA
    Save a Rachael

    buy a share in crapita
  • blackmath
    blackmath Posts: 95 Forumite
    Ninth Anniversary 10 Posts Name Dropper
    pappa_golf wrote: »
    the PPC can only use data from the DVLA for the relivent ticket issued , if they are using info obtained at a later date they have broken thier agreement with the DVLA

    I'm not sure how that works. As they would also have a duty to use the latest information they have in legally pursuing a debt.

    I should add I have never been on edited register.
  • waamo
    waamo Posts: 10,298 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    If this is a ppc who likes to do court they could well be using a tracing agent. Given they have two different addresses they may well be checking where to send court papers.
  • kimplus8
    kimplus8 Posts: 999 Forumite
    Ninth Anniversary 500 Posts Name Dropper Photogenic
    blackmath wrote: »
    Even a soft search requires permission. This is about the release of information protected by the DPA.

    I work for a company that does soft searches for a completely different purpose and express permission is required.

    As for address it's a marginal timing thing.

    They would actually be aware of my new address without a credit search due to other DVLA searches they have performed.

    As for appealing, I am more than happy to do that in court.
    actually a soft footprint search can legally be done without permission for tracing purposes.
    Essentially every time you subscribe to a service or buy a product be that credit or a physical object and you don't unsubscribe to their 'sharing of information to other agents/products/services' you give your permission (by omitting to tick the box) for that info to be sold to tracing agents and tracing databases.
    Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less! £196,000/£177560 to go
  • blackmath
    blackmath Posts: 95 Forumite
    Ninth Anniversary 10 Posts Name Dropper
    kimplus8 wrote: »
    actually a soft footprint search can legally be done without permission for tracing purposes.
    Essentially every time you subscribe to a service or buy a product be that credit or a physical object and you don't unsubscribe to their 'sharing of information to other agents/products/services' you give your permission (by omitting to tick the box) for that info to be sold to tracing agents and tracing databases.

    So I'm certain CRAs do not work like that.

    CRAs require express or implied permission. That may be at the beginning of a credit agreement, utilities agreement etc. However, it must have been stated originally in the T&Cs.

    In this case the PPC has never been contacted by me in any way whatsoever. They are effectively random people who would be asking for my credit data.
  • waamo
    waamo Posts: 10,298 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    I suspect this isn't a credit search but rather confirmation of your address.
  • Umkomaas
    Umkomaas Posts: 44,207 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    For each ticket they intend to issue, they have to go back to the DVLA each and every time. Despite knowing your details from previous ticket(s), they cannot use them. They must apply each time to the DVLA.

    Write to the DVLA and ask them who, by date, has applied for your details between x (date) and y (date) - to cover the dates of all your PCNs.

    http://parking-prankster.blogspot.co.uk/2015/06/dvla-reverse-position-on-charging-to.html
    Please note, we are not a legal advice forum. I personally don't get involved in critiquing court case Defences/Witness Statements, so unable to help on that front. Please don't ask. .

    I provide only my personal opinion, it is not a legal opinion, it is simply a personal one. I am not a lawyer.

    Give a man a fish, and you feed him for a day; show him how to catch fish, and you feed him for a lifetime.

    #Private Parking Firms - Killing the High Street
  • blackmath
    blackmath Posts: 95 Forumite
    Ninth Anniversary 10 Posts Name Dropper
    Umkomaas wrote: »
    For each ticket they intend to issue, they have to go back to the DVLA each and every time. Despite knowing your details from previous ticket(s), they cannot use them. They must apply each time to the DVLA.

    Write to the DVLA and ask them who, by date, has applied for your details between x (date) and y (date) - to cover the dates of all your PCNs.

    http://parking-prankster.blogspot.co.uk/2015/06/dvla-reverse-position-on-charging-to.html

    Thanks. I guess it is worth doing to piece together what they have done.
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