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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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Mackenzie Hall - Money Shop Debt


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Hi

 

I have an outstanding debt with The Money Shop for £620.00

 

I have been in contact recently with MH and I did set up a payment plan, however, I am not 100% sure that I have made any payments. In fact, I had a "online" chat with someone a few weeks ago and they confirmed that £5 has been paid off the debt.

 

I have sent a CCA request to this Company, payment yet to be presented - silly me I sent them a cheque payment!

 

I have today received another chaser letter wanting payment by noon 29th Jan 2009.

 

Now I have two questions:

 

1. Do I ignore this letter and wait to see if the CCA turns up?

2. Do I contact The Money Shop and ask for them to withhold action even though The Money Shop do not know my confirmed address?

3. Shall I send them another snot-o-gram?

 

I tried to talk to them via their online chat this morning, but because I wouldnt fill in the details and only completed the reference number he hung up the chat on me the to**er!!!

 

Jo

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I have been in contact recently with MH and I did set up a payment plan...

Ouch!

Do I ignore this letter and wait to see if the CCA turns up?

You should allow 12+2 days for them to comply with your CCA request and that is all - not 'see if it turns up'. If the time has expired, send them a copy of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

...he hung up the chat on me the to**er!!!

What an accurate description of a Kilmarnock Kowboy!

 

Don't use the online chat or telephone, you want any discussion to be in black and white, so you prove what was said and when. DCA muppets are not known for being bright and could easily type into their system that you were going to pay £55, not £5. NEVER let them have bank account details or make payment via debit/credit card, they may forget the conversation and could make further debits a few days later... (note the use of their favourite words MAY and COULD!)

 

Quite simply, if they don't send the paperwork, send them maroondevo52's letter and that should be it.

 

The Money Shop wouldn't want to know, simple as that. They've passed on details of the alleged debt for collection and they'll just say its out of their hands.

  • Haha 1

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Yes, as soon as I met this site I realised I shouldnt have paid that £5 payment **slaps head**!!

 

Thanks for the advice, they have NEVER had my card or bank details that is one thing I know not to give to these idiots.

 

The funny thing was when this idiot stopped the online chat I registered again and got the same guy, had great pleasure in asking him he if was going to disconnect again and then called him an IDIOT before I hung up the chat! Had to be done i guess!

 

I am on countdown for the 12+2 days. I have a file with all my paperwork in and I need to sit down and sort it out so I can plan my next stage of attack!

 

Thanks for your help, have clicked your scales BTW!

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Well that account is going to be closed, with NatWest. My account with HSBC is a new one and they NO details whatsoever and that is where my salary, tax credits get paid into.

 

Thought give them their due, NatWest are good at recalling payments if they haven't been made.

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I have today received a letter from Mackenzie Hall, returning my £1 payment and a letter saying....

 

We refer to your letrer dated 1/21/2009

We have contacted our client for a copy of your agreement and statement of your account.

Your account is currently on HOLD. Please be assures that no action will be taken against you.

Should we not receive the relevant proof from our client within 40 days we wil close your file and return to our client. Our client will then decide what step to take.

 

Right, what I now need to know is:-

 

1. Can they hold this for 40 days? Surely this should be the 12+2 days?

 

2. Would they have made a indent on my credit file and can I ask them to remove this?

 

3. Is there a follow up letter to their holding letter that I can send them?

 

Thanks J

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I have today received a letter from Mackenzie Hall...

They like making things up as they go along, hoping that you don't know the law. They have 12+2 days to comply with the CCA request. If they don't send it in that time then they fail. Simple.

 

If they cannot enforce the matter by way of a valid CCA then they have to close the file and remove any default from your credit file.

 

Their time is up soon, if you've heard nothing more by the end of this week there is a good letter to base your next move on at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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They have 12 days - end of. The additional two days is not part of the statutory limit but to allow for the Royal Mail to deliver their letter to you. If they havern't posted it by working day 12 it ain't never going to happen.

 

So on 12days plus 2 you send them the letter syaing - you ain't got the paperwork, push off and don't bother me.

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