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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. 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.
    • 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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Hiya all

 

Sent my S.A.R off last night but i dont know what i should do now as i got an N1 in the post today i got 14 days to respond what do i do now :confused:

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi Pompeyfaith,

If you intend to defend the claim then you must file an acknowledgment of service ASAP. This allows you a further 14 days (28 days from date of service) to prepare your defence. The accompanying N9B form is the one you use for this. Others far more knowledgable will be along shortly I'm sure...but that is your first step if you have grounds to defend.

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Hi

You need to be sure that you've got your dates right in respect of when the AoS and defence needs to be filed. For example, if you receive a Court claim with an issue date of the 12th July 2008, you are given 5 days for service (delivery) so that takes you to the 17th July. You then have a further 14 days to file your AoS and if you need a further 14 days to file the defence, that is available to you. So in all, you get 33 days in total. If you are unsure, either post up the issue date here, or ring the Court ASAP, the number is on the front of the claim form, on the right hand side tiny print.

With regards to your intentions and if you intend defending then you need to do CPR 18 request again ASAP and give them 14 days to respond.Subject to their complience this will form the basis of your defence beit an holding defence or final.

 

I trust the above is of help

 

Regards

Andy;)

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Here is the CPR 18 request

 

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

REQUEST FOR INFORMATION CPR 18

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

 

 

1.1 If copies of any of the above documents are to be relied on in court rather than originals, a copy of the Notice of proposal to adduce hearsay evidence required under s2(1) of the Civil Evidence Act 1995 together with proof of the authenticity of the document(s) as required under s8(1)(b) of the Act, including but not limited to:

 

(a) a copy of the procedure(s) used for copying, storing and retrieving documents

(b) a copy of the relevant log entry showing the time and date of the scan or copy, the name of the member of staff making the copy, the method used for copying, storage and retrieval and time and date of destruction of the original document(s)

© copies of internal and external audit reports covering the entire period from the date of the copy to the present to demonstrate that the procedures have been complied with

(d) copies of Quality Assurance accreditation certificates covering the entire period from the date of the copy to the present to demonstrate that the procedure(s) and audit process(es) comply with the appropriate quality standards

 

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

c. .Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

d. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

e. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

f. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

g. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

h. Copies of statements for the entire duration of the credit agreement.

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

 

Send G/Delivery and keep proof of postage

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Hiya all

 

Sent my S.A.R off last night but i dont know what i should do now as i got an N1 in the post today i got 14 days to respond what do i do now :confused:

 

Regards

 

Pompeyfaith

 

 

Hi there

 

Right, before you go filing the acknowledgement of service, can i ask what the claim is for? credit card, loan etc .what are the particulars of claim? have they served upon you a copy of the credit agreement ?

 

sorry for the questions but we need to establish grounds for defending the claim first

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It is for an MBNA credit card they want just under £7000 i sent my S.A.R off to them the day before the N1 arrived on my doorstep I am defending because they added PPI onto my card which was mis-sold as i did not ask for it plus it would not have paid out due to a serious stroke i had in 1990 they have also over a period of time ramped up the APR or rather the monthly interest rate. I also have isuses with OPTIMA LEGAL which is in the hands of the Information Commissioners Office due to them breaking date protections laws they sent me a 10 page document of all my phone calls but the last page was not for me it was a letter to one of there employees from a director detailing a pay rise!!!!!!!!!!! who do i send the CPR 18 too MBNA or OPTIMA LEGAL

Edited by pompeyfaith
Added text

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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oh may i add the N1 came from Northampton court and i read somewhere on here that DCA,s use Northampton because they dont need to produce a credit agreement. so does that mean possibly they ain't got one ??????.

 

I dont know if it makes any difference but I'm still on incapacity benefit awaiting the outcome of DLA my wife gets carers allowance as she looks after her mum who lives with us would we be classed as in financial hardship

Edited by pompeyfaith
added text

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi there

 

yes these DCAs dont like to use the normal county court and tend to favour Northampton so they dont have to supply the agreement etc

 

that said, it doesn't necessarily mean that they dont have it

 

you need to send the part 18 request to Optima if they are the people representing MBNA

 

How old is the credit card? is it a recent one or is it a few years old?

 

Regards

 

Paul

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IVE had the card for about 4 yrs now not sure if it is relevant but should they have send me an LBA first as i did not recieve one.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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ok well i did not get one of those so it sounds like i have good grounds for a defence is an LBA in law in other words in the eyes of a judge they have broken laws in not sending me an LBA

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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I got an N1 from Northampton ccbc dated 11th July 08, but i did not get an LBA from optima legal the account is with MBNA which is in dispute due to them not refunding PPI which was mis-sold i am also disputing the ramping up of interest on the account.

 

I need to file my defence with MCOL tonight and as i understand it send a part 18 to OPTIMA LEGAL but where do i stand in regards to not receiving an LBA.

 

Also can i use optima legals failings in my defence i.e No registered address on there letterheads and a letter to one of there employees detailing a pay rise which they sent me yup there data protection is -hite

 

Regards

 

 

Pompeyfaith:confused:

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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You have 5+14 days from the date on the claim to file your ACKNOWLEDGEMENT of SERVICE with the court, you then have a further 14 days in which to file your defence.

So send a CPR request to the other side asap by recorded and do not sign it just print, then file your AOS

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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thanks for that saintly but what about the LBA i did not recieve do i just use that in my defence ?

 

And can i use this: Also can i use optima legals failings in my defence i.e No registered address on there letterheads and a letter to one of there employees detailing a pay rise which they sent me yup there data protection is -hite

 

Regards

 

 

Pompeyfaith

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Ok ive prepared my CPR 18 can someone prove read it for just to make sure what im sending is right Thank you

 

 

 

 

 

 

(edit .. removed link due to personal infromation left on)

Edited by saintly_1
personal details

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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OPS! sorry about that personal details removed

 

pompeyfaith - Photobucket - Video and Image Hosting

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Anyone got the address i send the cpr too i mean is there a person who deals with this or will just optima legal do

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Ok ive been on MCOL and done my AoS and sent a CPR 18 to Optima Legal but from reading other theads if im right i should of got a POC ,LBA and default notice first which i did not get all i have recieved is the usual demands for payment then the N1.

 

What is my next step do i just wait 14 days for a reply to my CPR 18 ??

 

Regards

 

 

Pompeyfaith

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Ok ive been on MCOL and done my AoS and sent a CPR 18 to Optima Legal but from reading other theads if im right i should of got a POC ,LBA and default notice first which i did not get all i have recieved is the usual demands for payment then the N1.

 

What is my next step do i just wait 14 days for a reply to my CPR 18 ??

 

Regards

 

Pompeyfaith

 

Oh and thanks everyone for your kind help all this is an absolute minefield to me

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Ok ive been on MCOL and done my AoS and sent a CPR 18 to Optima Legal but from reading other theads if im right i should of got a POC ,LBA and default notice first which i did not get all i have recieved is the usual demands for payment then the N1.

 

What is my next step do i just wait 14 days for a reply to my CPR 18 ??

 

Regards

 

Leon

 

Hi, youve already got your POC (Particulars of Claim) its on the front of the court summons.

If you have not received an LBA or Default Notice this will go in your defence

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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You have 33 days from 11th July to file your defence, as you have filed the AOS defending the whole claim, so can you post up the POC removing any personal details, and give a little background i.e. loan./ credit card/ how old is the agreement etc?

We may then be able to help further

 

Oh just realised you have 2 threads running in the same forum about the same thing apparently?

Edited by creditcardmug

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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ok ill scan it and post it up now

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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OK here it is

 

IMG]http://i321.photobucket.com/albums/nn363/pompeyfaith/courtpaper.jpg[/img]

 

It is a credit card with MBNA been running now for 4 yrs and is in dispute due to the fact they have been added ppi on to my account mth in mth out which i should not have been paying due to a stroke i had in 1990 plus i feel i have been penalised by they ramping up of the interest rate which was at least 10% each time am i right in saying the 14 days is up on the 31 july ? hope this helps if you require further info post here and ill reply soon as thank you

 

Regards

 

 

Pompeyfaith

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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