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    • 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.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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What you can/cannot claim


MARTIN3030
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Here is a list of charges you can reclaim. Remember different companies will give them different names.

 

late payment charges

Returned Direct Debit charges

Admin Charges for closing a mortgage.

Deeds dispatch fee

Penalty interest

 

 

 

 

 

You can not claim:-

 

Interest normally due on the mortgage.

Arrangement fees.

Solicitors fees.

Fees for arranging your own insurance.

Higher lending Charge.

Early redemption Charge.

 

 

Edited December 2010

Thanks for the many replies-as you can see,there has been some interesting challenges,so the above list should not be taken as set-in-stone.

Edited by MARTIN3030
update

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...
  • 3 months later...

Hi,

 

Question for Martin if you're available. You mention that Admin Charges for closing a mortgage are reclaimable. Because we redeemed a mortgage with Mortgages 2 Ltd early, we were forced to pay an "administration fee" of £14,000. I know this is an early redemption charge, but the bank itself does not call it this. Therefore isn't their admin fee reclaimable? I mean, I think I could argue this.

 

Frustrated

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  • 4 weeks later...
  • 3 months later...
  • 2 weeks later...

Hi,

 

Letting you know that, having taken Mortgages 2 Limited to court for penalties, broker commission and ERC, totalling £18,000, we have settled. Accepted £4,000 just before allocation questionnaires were due. I know this is not a lot, but I want to focus on my other case, against G E Money.

 

This does show, however, that Mortgages 2 don't really want to go to court. Our case, by the way, was based on a Mortgage in 1999.

 

Frustrated.

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  • 3 weeks later...
Hi,

 

Letting you know that, having taken Mortgages 2 Limited to court for penalties, broker commission and ERC, totalling £18,000, we have settled. Accepted £4,000 just before allocation questionnaires were due. I know this is not a lot, but I want to focus on my other case, against G E Money.

 

This does show, however, that Mortgages 2 don't really want to go to court. Our case, by the way, was based on a Mortgage in 1999.

 

Frustrated.

Sorry to post this here but I don't know how else to ask Frustrated, but I think Mortgage 2 LTd are connected to Mortgages PLC and I am interested in your case as that is who I plan to go after for arrears charges. I don't think they were my best option at the time I was put on to them, so would the broker have earny a fortune out of it? I suspect so, how did you find out the cost of the comission?

 

Any advice appreciated!

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I took out a fixed combination mortgage with Abbey National in 1999. Fixed for 6 years with a £2200 cashback.

This was at a fixed rate of 6% + an additional 1.45% to cover the cashback. Total rate was 7.45%.

In March 2003 , i had to redeem the mortage as Abbey wouldnt offer me a remortgage.

I had to pay back the cashback in full , £2200.

I also had to pay another penalty at the fixed rate of 7.45% for a penalty period of 300 on a balance of £35570.59 = £2178.08.

There is a section saying penalty period above the 300.

What I am claiming is why have i got to pay the 7.45% over the period of 300 [doesnt specify as to days or months] .

I would have thought it sghould be at 6% for 72 months.

 

Just wandering if anybody can help me out here please.

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  • 2 weeks later...

Can interest be reclaimed if it was added to arrangement fees and maintenance vouchers? Someone has been charged a whack of interest by buy as you view (see here (last few posts on thread http://www.consumeractiongroup.co.uk/forum/brighthouse/178450-buy-you-view-but.html) If it can be done, what letter can be suggested do she can start to re-claim?

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  • 6 months later...

Hi,

 

Anyone know if I can reclaim any of these:

 

1) ERC - whereby new mortgage was taken with same provider? ERC wavied on previous mortgage with same lender as well?

2) Legal fee

3) Debt Counselling fee

4) Debt Counselling services

5) Personal secured loan charge for acting in this matter

6) Completion fee

7) Application fee

8) Sundries

9) payment option fee

10) discharge fee

11) Portable product additional borrowing fee

12) administration fee

13) arrangement fee

14) returned direct debit fee

15) arrears charge

16) solictors instruction fee

17) duplicate interim statement fee

18) insurance fee

19) discharge of mortgage fee

 

Please can anyone help!!!!

 

many thanks,

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Hi,

 

Anyone know if I can reclaim any of these:

 

1) ERC - whereby new mortgage was taken with same provider? ERC wavied on previous mortgage with same lender as well?

2) Legal fee

3) Debt Counselling fee

4) Debt Counselling services

5) Personal secured loan charge for acting in this matter

6) Completion fee

7) Application fee

8) Sundries

9) payment option fee

10) discharge fee

11) Portable product additional borrowing fee

12) administration fee

13) arrangement fee

14) returned direct debit fee

15) arrears charge

16) solictors instruction fee

17) duplicate interim statement fee

18) insurance fee

19) discharge of mortgage fee

 

Please can anyone help!!!!

 

many thanks,

IMO, the only items that you can reclaim a bieng unlawful are items 14 and 15 with the possibilty of 12, depending on what it is

 

 

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  • 5 months later...

I'm surprised this thread has not developed further. Isn't this what CAG is all about?

 

That list by Emanevs is pretty exhaustive. Part of the problem is understanding the context in which a particular lender charges a certain fee. To generalise however, perhaps it should be re-organised into three categories of claim - YES, POSSIBLY and NO-WAY HOSE!

 

At a stab, I'd probably go with

 

YES:

 

12) administration fee

14) returned direct debit fee

15) arrears charge

 

POSSIBLY:

 

1) ERC

2) Legal fee

3) Debt Counselling fee

4) Debt Counselling services

5) Personal secured loan charge for acting in this matter

9) payment option fee

10) discharge fee

11) Portable product additional borrowing fee

17) duplicate interim statement fee

18) insurance fee

19) discharge of mortgage fee

 

NO-WAY HOSE!:

6) Completion fee

7) Application fee

13) arrangement fee

16) solictors instruction fee

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 5 weeks later...

I'm going to start a new thread about the decision I just received from the FOS, but thought I would stop by to say they have decided that I am NOT entitled to returned DD fees, arrears fees - except where my account was in credit, or brought up to date - a refund of solicitors fees where they cost less than GMAC had charged me, or any interest incurred by them adding this lot onto my balance.

 

Not a happy puppy! If anyone has any advice as to whether I should accept, please pop onto my thread re this, I'm going to title it Disappointing Mortgage Reclaim Outcome, and give your opinion as to what to do next.

 

Good luck to everyone still going through this!

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W

 

Many on these Forums have warned about the conduct of the FOS in these matters so it's not surprising to hear them siding with "you know who" - disappointing as that may be.

 

The point is, the rulings by the FSA specifically relate to Mortgage accounts in Arrears and how lenders handle those charges and apply interest. The ruling by the SC re Bank Charges however is very narrow and is focused on current accounts of commercial banks NOT the general charges of other lenders e.g. mortgage charges.

 

The jury is still out somewhat as to what people should/n't be claiming regarding mortgages but the law is there for you to use if you want to pursue this. Many (including me) have had success with reclaiming some mortgage charges and others seem to have failed.

 

At the end of the day, thankfully YOU are not bound to accept the FOS decision and legal recourse remains available IF you are not happy with the way they conducted the matter. It may be that a court will take a much different view on your mortgage account charges if you go that route. It may also be that the lender in question will pay up after just the threat of court action or on receipt of initial court claim documents!

 

However, be warned that should you choose to go to court at this stage and the lender opts to defend, they may well cite the FOS ruling against your earlier claim so be prepared to argue against that possibility.

 

Can you post a link to your new thread?

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Thanks, Bustthematrix. At the moment, I'm really ticked off, so I'm thinking I'm going to take further action - just have to do even more research now! Bleh! Lol!

 

Just noticed after I'd posted that earlier, they have added interest to the tiny amount they offered, but still been charged God knows how much interest on all of those arrears charges that were added to my balance.

 

My new thread is at : http://www.consumeractiongroup.co.uk/forum/mortgage-companies/255222-disappointing-mortgage-reclaim-outcome.html

 

Not too sure about links, to be honest, so I'm not sure if it'll work!

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  • 4 months later...
I'm surprised this thread has not developed further. Isn't this what CAG is all about?

 

That list by Emanevs is pretty exhaustive. Part of the problem is understanding the context in which a particular lender charges a certain fee. To generalise however, perhaps it should be re-organised into three categories of claim - YES, POSSIBLY and NO-WAY HOSE!

 

At a stab, I'd probably go with

 

YES:

 

12) administration fee

14) returned direct debit fee

15) arrears charge

 

POSSIBLY:

 

1) ERC

2) Legal fee

3) Debt Counselling fee

4) Debt Counselling services

5) Personal secured loan charge for acting in this matter

9) payment option fee

10) discharge fee

11) Portable product additional borrowing fee

17) duplicate interim statement fee

18) insurance fee

19) discharge of mortgage fee

 

NO-WAY HOSE!:

6) Completion fee

7) Application fee

13) arrangement fee

16) solictors instruction fee

 

A number of caggers tried claiming ERC in the early days of CAG and they lost, leaving them with massive costs.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?62003-~~~**IMPORTANT**-Mortgage-Claimants-~-PLEASE-READ-~~&p=523486&viewfull=1#post523486

 

We have no reason to believe things have changed.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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A number of caggers tried claiming ERC in the early days of CAG and they lost, leaving them with massive costs.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?62003-~~~**IMPORTANT**-Mortgage-Claimants-~-PLEASE-READ-~~&p=523486&viewfull=1#post523486

 

We have no reason to believe things have changed.

Alrightie, so, ERC off the list then...it's long enough without ERC charges on it any way...:p

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Here is a list of charges you can reclaim. Remember different companies will give them different names.

 

You can not claim:-

 

Higher lending Charge.

Hi Martin, I'd appreciate if you could clarify why you believe this cannot be claimed. I know a few people who are working on it at the mo. Thanks.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Please click the "Report " link

 

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Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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