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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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Payday Loans - Cancel Debit Card??? **


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Hi,

 

I have 4 payday loans outstanding.

 

PayDay UK

PayDay Express

QuickQuid

UncleBuck

 

 

My question is if I cancel my debit card, will this stop these companies taking payment from me.

 

and if so will I be hit by a charge from my bank for these being declined?

 

 

Is there naything else I can do to stop these payments coming out

 

Thanks

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Cancel the Direct debits with your bank - you should not get a charge if you have cancelled them

 

make sure you check your account everyday these sharks will try and set it up again and take the whole sum

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Hi,

 

Thanks for your reply.

 

I have cancelled 2 direct debits that were on my account and put blocks on them, the only thing im worried about the other ones taking a debit card payment from my account.

 

I have cancelled my card today (reported it lost) in a hope that this will stop any payments they try to take going through.

 

will this incur any charges?

 

Thanks again

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Thanks for the fast responses!

 

One final question:

 

Am I right in thinking that as I have now cancelled my direct debits and cancelled my debit card that these companies will not be able to take any payment from my account?

 

Thanks

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Thanks for your help.

 

I did phone my bank to ask if these payments would still go through and they said, they might be 'forced' through on the old card number!

 

anyone heard of this happening?

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Thanks for your replies, realy appreciated.

 

was worried, I would log on to my internet banking tomorrow morning to find they had taken the lot!!!

 

will keep an eye out for them trying to set up new DDs, anything else I should be vigilant of?

 

Or is it now a case of waiting for the phone calls and trying to sort out a payment plan with them?

 

 

Thanks

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I have read about the difficulty of cancelling these recurrign debit card payments.

 

Is cancelling your debit card the only sure fire way to do it?

 

Are these companies likely to have already set the payment in motion?, what i mean is do they apply fo rit on the day or would it be worth checkign with my bank to see if there are any pending transactions waiting to come off, that might not be stopped.

 

sorry, might be being over paranoid here

 

 

Thanks

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Hiya,

 

In so far as what should happen I would agree with PGH and if cancelled in good time payments should be reclaimable from the bank.

 

However, I am sorry but recent experience suggests what can and does happen is that the payments are "forced" through or the bank allows the company to treat having the card details as a "continuous authority". I have spoken with the card fraud teams of two different companies during the process of trying to sort my own payday loan nightmare and both have been very precise in stating that cancelling the card (or even reporting it stolen) will not in itself prevent the companies from attempting to take monies via the card details and they will not guarantee that payments will not be made. They further attempted to suggest the matter would be a dispute between me and the company involved and they would not view such repeated access as fraud!! :eek:

 

I do not want to be the bearer of bad tidings or scaremonger but this is my experience (and there are others here to). Certainly ensure the bank are completely aware that any further payment claims from these companies do not have your authority, certainly watch the account like a hawk (there has even been a post on here with I think QQ accessing an account overnight!) and certainly give the bank hell if they pay up (I hope I am wrong!) :confused:

 

The only sure fire way of sorting the access issue which is quite drastic (if it is either mutiple lenders or you really cannot sustain anyone draining your account of the full amount) is to switch accounts (the famous "parachute" account). This way you maintain control of your overall monthly budget and can progress to offer a repayment proposal from there. Whilst any proposal you make should be seen to be realistic this reality is based on what you can afford, not what they think you should afford!

 

They will bombard you initially but stick to your guns - I got into deep brown stuff with exposure to these firms (still not out of it yet!) but around 70% have agreed repayment schedules within the last month and the volume and voracity of their communications has slowed right down (I do have a DCA on my case but it is in house for one of the lenders). Insist on everything in writing or email, request account details to repay by standing order (it has been known that payment by card, cheque or direct debit on a new account has resulted in their accessing your new account with the same impunity as they did the first time!!).

 

All can be sorted with the help of the good folk here but it is difficult, particularly initially!

 

Best of luck ;)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi everyone,

 

Just wanted to say thanks again for all the information and quick replies yesterday.

 

Logged into my internet banking today and none of the payments from any of the pay day loan companies had come off my account. QuickQuid was showing but it hadnt come off my balance, phoned bank to check and they said, it had been cancelled and that it would drop off my account and def wouldnt be paid to them.

 

none of the debit card payments had come off, so cancelling my card seemed to have worked.

 

Have now instructed bank to transfer full balance over to another account just to make sure they cant get any money out my account by using old card number, or settign up new DDs

 

had a few emails and texts from these comapnies askign me to contact them right away etc.

 

I sent them an attachment of the letter I had already sent them and made it clear that they were to reply to me by email or in writing.

 

so far, no phone calls!!! how long will that last!

 

I did however get a phone call from welcome finance who i had cancelled my DD with and sent letter offering reduced payment. the lady I spoke to seemed willing to help me reduce payments, but said they still need a full payment this month before they can do anything.

 

just looking for a bit of advice as to what to do with this one. should i pay the amount if they can reduce my payment. I would want them to freeze the interest on the account and not add any charges before i would be willing to make the payment.

 

or would it be easier not to pay them and if they then defualt the accoutn and pass it on to DCA start payign them. or will that incur furhter charges on top?

 

anyone here had any similar dealing with Welcome Finance??

 

any help would be realy appreciated

 

 

Thanks

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Thanks, they said they would need a payment today to be able to 'help' me

 

what do you think I should do?

 

 

Also just had reply from Uncle Buck saying they arent willing to accept my payment offer and that if i dont pay todya then it will be passed to collections team and charges etc added

 

anyone have any text I can send to them RE charges being unlawful and account being in dispute etc?

 

Thanks

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dont agree to anything on the phone get it in writing, welcome are in difficulties through their parent company cattles so want all the money they can get;)

 

They seldom help

 

UncleBuck

 

wait until they write

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Should I reply to the Uncle Buck email or just leave it for now?

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA.

 

how much worse is it to go to DCA than to keep paying original company?

 

 

Thanks

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Should I reply to the Uncle Buck email or just leave it for now? - either/or personally I would send a txt saying all contact in future to be by letter

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA. - Depends on how much you owe and how good a customer you have been, - but without something in writing to fall back on you could pay the full amount this month and next month they still default you, but they have had some extra money out of you that you are saying to them you can ill afford

 

how much worse is it to go to DCA than to keep paying original company?

 

depends on which pondlife you get, some are easy to deal with some aint

 

 

Thanks

 

You will have to decide yourself, I can only advise not make decisions

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Thing is if you pay the amount that they want, they may say that you are not having difficulties at all as you were able to pay what they wanted.

 

It is for you to decide what to do.

 

Bub1

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Hi,

 

spoke to Welcome and they were initialy wantign me to pay full amount i said as you can see from my SOA i cant afford to pay that. they then said they would take the amoutn i had made in my offer. so i said i would need an agreement in writing in place before i pay anything because that would simply be eaten up by the interest.

 

they werent happy and wrangled on about taking me to court. not gettign money for nothing, could possibly lower the interest but not freeze it.etc.

 

they said that they wouldnt pass the debt onto a DCA and that they would be the ones takign me to court!

 

bottom line is i did not pay them anything, they even asked me to state that i was refusing to make any pyment onto my account this month.

 

I said i was only willing to make the payment once payment plan has been agreed.

 

did i do the right thing?

 

Thanks

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Ok, what did you offer them?

Did they refuse this amount?

Are they willing to put that they refused the amount you offered in writing?

 

You need to state to them in writing that you ARE NOT REFUSING TO PAY, but that you would want them to agree the amount you have offered is acceptable in writing.

 

How do you pay this to them?

 

Bub1

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My monthly payment to them was £136

 

I offered them £91 per month (assuming they freeze interest and charges)

 

they said they wouldnt be able to say if they can accept the amoutn until they speak to the bosses and that they would need to some sort of payment now by debit card in order to do that.

 

I had a DD set up with them, but cancelled it

 

I asked them to send me payign in book or account details, but they saud they dont do that

 

 

Thanks

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Have you got a Welcom Finance Branch near you?

 

If not I would not pay by card as they then have your details.

Do you have a postal address for them?

 

You could send them a Crossed Postal Order for the amount you are willing to pay and explain to them about the problems with the people on the phone.

Other than that you could say that you have had your card stolen and the only way you can pay them is direct into their account.

 

Bub1

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I did say to them i didnt want them havign my debit card details, in which they replied, they didnt keep a record of them and once its processed there on the phone then thats them gone.

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