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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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1st Credit Stat Demand for debt not due**WON+COSTS+BAILIFFS**


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Hi,

 

I hope someone can help me.

 

I have received a stat demand from 1st credit for £4700.

 

It is claimed for CitiFinancial who I assume are Citi Bank.

 

I have no idea what this is for.

 

I have sent a CCA with £1 in August with proof of postage and no response. I have since sent another one Special D.

 

They have previously threatened to take the house. They have also offered a loan which I thought was illegal as they can not offer other credit.

 

I realise I have to get this thing set aside.

 

Can someone post a link to the forms to set it aside please?

Also any help filing them in would be greatly appreciated?

Which court would I take them to. I have read that only certain county courts will accept this. I live in South Buckinghamshire.

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Hi Curlyben,

 

Thanks for your reply. However I have already read the sticky.

 

What I am after is a link to the forms to defend the Stat Demand.

 

Also advice on filling in it and where I should take it.

 

I have never done anything like this before.

 

If they were to go for bankruptcy I could not pay as I dont have the money. I do have a property with equity and am worried about loosing it.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi thanks for all the help.

I am just preparing to fill out the stat demand defence form 6.5.

 

I am going to put down as the defence.

 

(1) Do not admit the debt because I have no knowledge of it. A CCA request was sent to 1st credit on August 27th. No reply was received.

 

Is this all I need to put.

 

Any help is appreciated.

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I have used this (which came from another thread - many thanks to the author):

 

1 July 2007

 

I,

Apply for the statutory demand to be set aside as the creditor is aware the debt is in dispute, the creditor has failed to comply with its obligations under the Consumer Credit Act, and I believe that the creditor issued this statutory demand as an abuse of process intended to pressure me into paying the full amount of an alleged debt when such pressure is contrary to the OFT Debt Collection Guidelines.

 

The creditor has defaulted under section 78 of the Consumer Credit Act 1974 for failing to provide a copy of the alleged agreement on request within the prescribed period. The prescribed period as stated in SI 1983/1569 Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 is 12 working days. Under the provisions of s78 (6), the creditor is not entitled to enforce the alleged agreement while this default continues.

 

My request under s78 of the Consumer Credit Act 1974 was sent to Nasty Bank (UK) Limited for a copy of the alleged agreement on xx/xx/2007 This request was received and signed for on the xx/xx/ 2007. At this present date (xx/xx/ 2007), Nasty Bank (UK) Limited have had 153 working days to comply with the request made, and are therefore in default as stated above.

 

Further, I believe that the amount of £****.** referred to in the statutory demand includes a substantial sum of unlawful penalty charges. Nasty Bank (UK) Limited have not provided any information regarding the charges they have added to the alleged account.

 

Also, I have never received a legally valid default notice for the alleged account as required under the Consumer Credit Act 1974.

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MrCollio your application to set aside is a little brief. I would adapt wotnot's post to your needs just to give the judge a bit more information.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I went to set the stat demand aside on Wednesday.

It looked like the court staff had not seen a stat demand before, Aylesbury court.

I did not get a receipt or any paperwork as acknowledgement.

Is this correct?

Also what happens now?

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It's not uncommon for the court staff that you speak to to not be very familiar with SD's (90% of SD's are just issued as a threat by creditors). The court will now arrange a hearing where it will be decided whether the SD will be set aside.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I received an acknowledgement from the court today in the wrong name!

 

So I phoned them up. They put the guy from 1st credits name on my letter. However it has gone before a judge and she said letters had been sent to both parties regarding a court hearing date. I was told I would already have it.

 

However when I checked the post I now have a letter from 1st credit. They are now taking me to the County Court and then are going to apply for a charging order on the house.

 

What should I do now?

 

Please remember i have already CCA with no response and written a complaint letter with no response.

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  • 2 months later...

You should send Ist Credit a letter before action asking for the money owed to be paid before a certain date - say 7 days after receipt.

 

Send the letter recorded delivery and add the costs to the bill. Don't worry about that because its exactly what they would do.

 

If the time limit expires and you hear nothing from them file a court claim against them. Its what they have threatened to do but haven't becuase they know they are barking up the wrong tree. From its serving they have 28 days to respond. They can either defend it - bit silly really bearing in mind this was an order by a court - or dispute part of it - just as silly as it would lead to a court hearing and the judge would not be best pleased - or pay it.

 

If they don't you can do all sorts of fun things like send in the bailiffs, or freeze their bank account until they pay up. All this costs money but in the end it will be 1st Credit who pays.

 

After you have received your cash report them to the Office of Fair Trading. tell the Westminster mandarins what happened and ask them if they believe 1st Credit are worthy of a consumer credit licence.

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You don't need to go to court again. Judgement has already been passed. All you need to do is get a warrant of execution against 1st Credit, which costs another £35. This will be added to the outstanding balance of £40 and will allow the bailiffs to enforce the judgement. Her Majesty's Courts Service

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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You don't need to go to court again. Judgement has already been passed. All you need to do is get a warrant of execution against 1st Credit, which costs another £35. This will be added to the outstanding balance of £40 and will allow the bailiffs to enforce the judgement. Her Majesty's Courts Service

 

 

How good would this be. It would be worth every penny.

 

What a good story it would make as well!!

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How about phoning them constantly and adding those costs to the bill? Demand an immediate electronic transfer into your bank account. Then wait and see if they send you a stop harassing us/in writing only please letter. Or am I being a bit unfair on the poor darlings?

 

Only joking, don't give them your bank details!!

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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  • 5 weeks later...

I have given 1st Credit 14 days now and they have not responded so I will now issue county court proceedings against them.

 

On the claim do I simply put "Non Payment of awarded costs. Costs were awarded by Judge on 6th December 2007. It was further ordered that 1st credit should pay these by 20th december 2007."

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I filled in an N323 warrant of execution and took it to the court.

 

The court refused it as the debt is under £50.

 

What should I do now.

 

These people caused me a lot of heartache and it seems they have got away with it.

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