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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. 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. Can a PPC (claimant) 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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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Debenhams/Santander Cards-Viking Collection Services LTD


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Ignore Viking and them telling you they want all or nothing, that is an unlawful request, and they will never admit to saying that in front of a judge!

 

If all you can manage to pay them, is the token payment of £1 a month, then do that, until such time that you are able to post up a clearer image of the agreement they sent you.

 

All you need is their bank details and you can set up a standing order, DO NOT set up a Direct Debit with them under any circumstances.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Images are just the front of the agreement. The right to cancel box is contained within the terms and conditions which were sent seperate from the agreement. The CAA I was sent was an A4 piece of paper with a 4x5 inch copy of the agreement. The back of the A4 piece of paper was blank and the terms and conditions for it were sent out seperate so I have no idea if they are the right ones for this agreement.

 

Is it still enforceable without the pescribed terms i.e repayments? Or are they allowed to put them in the terms and conditions?

 

I have been sent loads of documents by the DCA. They just say the usual like this debt isint going to go away so pay us the money you owe us and if I don't they will take me to court etc.

Edited by Nicola85
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I don't mean to be a pain but I would really like to move on with this. Is there someone who can tell me If my agreement is legally enforceable in court? It would really help so I can get started on the best course of action.

 

The agreement I recieved was a Microfiche.

 

The terms and conditions sent seperate from the agreement are current and not those used when I signed the agreement.

 

The 'right to cancel' box and the repayments are contained within the terms and conditions.

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On the face of things, what they have produced could be seen as enforceable. However if it went to court you could bring them to 'Strict Proof' where they would have to produce the original agreement... not a microfilche copy.

 

If the T&Cs they have supplied do not pertain to the CCA at its inception then it makes the CCA unenforceable. Send Viking this & see what their response is;

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2009 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a mere application form which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain any of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required. Suffice to say none of the terms are present in the document

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable, it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

I trust this out lines the situation

Print name do not sign

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I recieved a letter on Monday from Viking stating that it was more than likely that since they can't get payment from me they would be passing back my account back to Santander cards who will probably take legal action. Is there anything I should do? Should I start to worry yet?

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No nothing at all to worry about, wait until the OC starts sending you correspondence then take it from there.

 

What they are saying, when you read between the lines, is that they have no evidence to legally extort money from you, so will off load this lemon back to the idiots that sold it...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks, Bazooka Boo. Is this what happens with most peoples debts? Debt Collector buy the debt from Original Creditor then the Debt Collector finds that they have no legal evidence to take money from people so they sell it back to the Original Creditor? How often does the Original Creditor persue legal action? Just thinking that if a Debt Collector has not got enough evidence then it's not very likley that the Original Creditor will have any more.

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How often does the Original Creditor pursue legal action? Just thinking that if a Debt Collector has not got enough evidence then it's not very likely that the Original Creditor will have any more.

 

What normally happens is the the OC will use their own in-house collection agency first, for instance if you ran up a debt with the Halifax:D then you can expect to get letters from Blair Oliver & Scott, which is an acronym for Bank Of Scotland. Hence Halifax using their own in-house DCA.

 

Then to off load these 'Bad' debts, they will sell them in 'bulk' to other DCA's for a knock down price, and has been reported, for as little as 6p in the pound!

This then frees up the OC from having this Bad debt around their necks, and the rest of the money they are still owed is paid for by their insurance, so they don't lose anything.

 

The DCA who has bought your £1000 debt for say £160 will tell you that you owe them £1000, but are able to offer you a once in a lifetime offer to pay the debt off and can reduce that amount to say £800, this is how these companies make their profits and a why they are able to remain in business.

 

So rest assured that asking for the CCA, and then being told by that DCA that they have sent your file back to the OC is clarification that they bought your debt in bulk and have not been given the full file on your account.

 

And if they 'close' their files, it is safe to say that there is no such agreement and it will go quiet for a while, until such time as the OC flogs it on again to another DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Today I recieved court papers. I'm not quite sure what to do. I know that I have to either deny or accept that I owe the debt. The problem I have is that YES I do owe the debt but I have no money in which to pay it with. If I accept that I owe the debt then I'll recieve a CCJ and I have no money to pay the CCJ. If I deny the debt then it's more than likely they can prove I owe them money and I'll still end up with a CCJ. I was never trying to get out of paying my debt. I just hit a bad financial patch and then things sarted to go down hill from there. I've tried talking to theese people and come to some sort of a payment arrangement but I'm not getting anywhere. Is there anyone who can give me some advice? Thanks so much. Nicola.

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Have you kept all correspondence relating to your payment proposals?

 

If you have stated to them that you will pay X amount per month/week and they have refused then, they will not have a leg to stand on in court, the judge will simply tell them that all they will get from now on is the amount you stated that you could afford, and if thats £1 a week, then tough on them.

 

Is it an SD you have received? If so you have 14 days in which to acknowledge it, and you can even do it online, so are able to take it right up to the 11th hour.

 

It's a shame you can't post it up for Cerbs to have a look at, does it refer to the document as a Statutory Demand?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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As far as I can tell, it's a Claim form and a response pack. I'm suppost to fill in one of the two forms. One is to deny the other to accept. From what I can tell they are real papers they have been stamped by the court and it has a reference number. It's not a statutory demand.

 

What I really would like to ask is can I be issued with a CCJ if I don't have a wage and I don't owne a home or car?

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I think I'll just fill in the form and say I accept the debt. I can't fill in the one to deny as I have no defence as Yes I do owe the debt. So I'll just fill it in and tell them I have no wages and I don't have any outgoings and see what happens from there as they are never going to get any money out of me I have none and I doubt I'll have any for the forseable future. They can't take what I have not got.

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Just read through your thread and can't see any reply re default notice? Have you had one? Also, an assignment? Does it refer to these docs in the court claim? If so, you need to see them.

I'm going through a similar case. I sent a CPR request to the solicitors who came back with ...'don't have in their possession, are in process of retrieving...etc'. Then go on to give me extra time...etc!!! Do NOT fall for this. They try to get a CCJ by default.

 

Please try to find the strength to defend yourself. You've nothing to lose. Ask to see all docs they refer to now and file an embarrassed defence in the meantime. Online is very straightforward. Then it's up to them to prove they have a legitimate claim.

Good luck!

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Yes, it might be wise to send them a CPR request, I understand that you admit you owe this money but I would still defend, as you really have nothing to lose, I owe circa 55K and even though I do know I owe that money, I will defend myself at every turn.

 

If you need expert help quickly, then you can always click on the Red triangle to get the site teams attention and help.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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