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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Lowells debt collection?


Marcus123
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Hi this is my first post so please bear with me.

 

I had a bank account many years ago when i was young and unfortunatly ran up a rather large debt (£1800). Things escaleted and the bank issued proceedings and judgement was entered. I agreed to pay a small amount per month and that was accepted.

 

Payment went on for a couple of years but then things lapsed, i moved address and nothing more was heard. This was early 90's if not late 80's and i havent heard a thing since.

 

Now i have received a letter from a company called Lowells who say they have bought the debt and i owe them £1800.

 

The tone of the letter is aggresssive and not polite. im not sure if this actually is the same debt because the letter gives few details. If it is the same can they persue me for it? As i received a CCJ can they enforce this or will they have to re-issue proceedings in their name?

 

Any help would be appreciated.

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Firstly if you have not either acknowledged nor made a payment in the last 6 years then this debt is statute barred - although you are still in debt - this cannot be legally enforced (it is of course up to you if you want to settle the debt). Firstly DO NOT CALL THEM. I think if you send them this letter....remember DO NOT hand sign it....

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

 

Yours faithfully

Mr A N Other

__________________

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Thanks for a prompt response. Unfortunatly i did call them earlier and said i had no record of the debt or ever having had an account an therefore any further correspondence would be sent to my legal advisors. Was this a mistake?

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Not really....at least you didn't acknowledge the debt....also write on the letter. PLEASE NOTE I WILL NOT ACCEPT ANY TELEPHONE CALLS ON THIS MATTER, ALL CORRESPONDENCE SHOULD BE MADE IN WRITING, ANY TELEPHONE CALLS WILL BE CLASSED AS HARRASMENT AND TREATED AS SUCH

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Many thanks again.

 

As i have basically told them to 'get lost' on the phone this morning should i wait until i hear from them again before sending the letter?

 

Also can anyone confirm my position regarding the judgement that was entered, is this also 'statute barred' as nothing has been exchanged in well over 10 years?

 

And if it is not will the judgement still apply even though the debt has been sold to another party?

 

Many thanks in advance.

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From what you say this debt is definately statute barred....and send the letter asap....you mention 'judgement' have you been to court already over this debt ?

 

The bank issued a summons and judgement was entered. I didnt go to court but i wrote to the court and offered an amount each month that was accepted. However, the payments lapsed, i moved a couple of times and no further correspondence was received. (I assume as it was such a low monthly figure they chose not to pursue it).

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Ahhh this may make a difference....am I right in saying that a CCJ is endless ? maybe another Cagger can assist here as i'm not sure about court agreements.....Although if it is a CCJ debt ? I wasn't aware that DCA's went after them.....?

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The CCJ was from the bank, however as they have sold the debt what happens now? Does the CCJ automatically get transferred with the debt?

 

I take it from your tone that maybe i should hold fire on sending the letter back now?

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To be honest i havent heard anything about the old debt in at least 12 years so actual figures would be a wild guess. Im not sure if this even is my debt as I have never held an account with this organisation quoted in their letter.However, the organisation did take over the bank i origionally had the debt with (if that makes sense).

 

They are asking me to send signatures and date of birth etc but surely it is their duty to prove that I owe them?

 

Confused......

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Hi Marcus....do NOT send them any signatures at any cost. As before I would advise to send them the stat barred letter and see what they say.....

 

Hi mate,

 

As i said in other posts im not sure if it is even my debt, if i send that letter would i be giving away too much info i.e. acknowledging the fact that there WAS a debt that i am aware of but its more than 6 years ago?

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Sorry mate you have completely lost me now.

 

Why would i want to send them a cheque or a postal order?

 

What is a CCA request?

 

And is there not a different standard letter that maybe asks them to prove that the debt is mine rather than me suggesting that there may be an outstanding debt from more than 6 years ago?

 

Anyone?

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The original letter from Lowells dated 6/9 has been followed up now by a letter from 'Red debt recovery' (same address) dated 10th sept (yes 4 days later)

 

On monday i phoned Lowells and said i had never had a debt with the 'original creditor' which is true.

 

Today i received a letter suggesting red had been instructed by Lowells and if i didnt contact them within 5 days they would take further action which could include 'sending a debt collector to my door to discuss settlement'.

 

Im actually finding this rather amusing but i can see how some people could become very intimidated by this.

 

Views?

 

(also wouldnt mind knowing how to get these idiots off my back as they are starting to irritate me).

 

Can i do them for harrasment?

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It is a copy of your Consumer Credit Agreement to which no debt covered by the Consumer Credit Act is legally enforcable unless they have a copy of it....you would be surprised by the amount of companies that do not keep them......read through some of the other threads on here....it is very enlightening...!!

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