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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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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Aviva PPI Help


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Hi all,

 

First I apologise if this is in the wrong place.

 

I have a First Direct Personal Loan taken out some time ago whilst I was in full time employment. When I was made redundant, then subsequently unable to work though ill health, I made a claim on the PPI which was fine, they (Norwich Union at the time, but now Aviva) have been paying the loan for me, that is up until July Last year, when since we have had a dispute.

 

A bit of info before I go on. I have dogs that I show in competition. We breed the odd litter for show stock, which the tax office are also aware of & we are classed as a 'Hobby trade' meaning out outgoings are more than what we receive from selling the odd pup every couple of years. Its a hobby that keeps me from going insane & one that I have had way before I took out this loan etc! I receive treatment for acute depression/stress, my doctor & psychiatrist are aware of my hobby & say its a good thing as it gives me something to focus on, rather than my illness & getting deeper.

 

Anyway, i have to pay for medical certificates to submit to Aviva every 6mths in order for them to pay my installments to First direct. I faxed my last one over in June last year, from the same fax i always have, with the same logo on the fax as there has always been, This logo is the kennel name granted to me by the kennel club.

 

I received a letter some weeks later telling me they were stopping payments as i am working & i was to meet with their agents RPA to conduct an investigation. so I rang their office to be told they had evidence that i had been working & to comply with their request. I asked what they had & they refused to tell me. I stated I was not in employment & had not been since prior to my claim starting. I made the appt with RPA who came to my home. I was asked if i had received legal advice & i said no as i didnt know what it was all about & aviva hadnt told me, other than they had evidence i was 'working', which was untrue.

 

The agent said that i needed to get Legal advice as they are going to stop paying the loan & probably try to sue me for all the money they had paid out on my behalf over the years, due to the fact I have a website, & show dogs!

 

He left our home stating that as i had not received any advice or info on what this was all over, it was unfair to continue.

 

I wrote to Aviva stating what was discussed & they said i would have been told .. no i wasnt!!

 

The short of it all is, even though i have written to them stating I do not work, do not receive any regular income, I go to a show maybe twice a month (sometimes i wont even do that, its been 5mths since my last one so far!) & its also for my benefit of health, I am not a commercial kennel & do not earn hundreds of pounds from my dogs & that a website & a van logo does not constitute a business & that i am home practically 24/7 save for when I have a show to attend, which is a focus for me, they still write back stating that I AM running a business, & that I HAVE to sign consent forme for access to my medical records & also access to the tax records, DWP etc etc ....

 

I am worried sick, i cannot afford to repay them all this money if they go to court, they are completely overlooking that our dogs are pets, no different to anyone else (ok so I may have a few more than the norm, but most are oldies & retired now) I am home all day, practically every day, do not recieve any income of my own, & they are hung up on the fact I have a website & logo on our van & therefore i AM a commercial business!!!

 

Their T & C states work as a paid employment, which i am not getting. They were also not able to send me a copy of the original agreement, only a revised one from when i took out the PPI.

 

Please can someone advise whats best to do? I spoke to a solicitor who told me NOT to sign their forms as it gives them free reign, but to ask what it is they want & I will supply it for them from the necessary sources. I did this, but again they just tell me to sign the forms & make anopther appt with their agents RPA & to supply all bank info & employment records etc.

 

To add insult to iunjury FD know of the dispute & have continued to try & take payments from the Joint account held for the loan installments, which is now overdrawn & they have instructed their solicitors to recover the debt from my husband & myself, even though the loan is in my sole name.

 

Again i was advised they cannot chase my husband as the O/D is in relation to a loan payment they should not have taken, but FD say my husband is also liable for the payments if I cant make them ..

 

Im so worried & confused & apologise for such a long post

 

Kathy

 

ADMIN - PLEASE CAN YOU DELETE THE THREAD I STARTED IN THE GENERAL DEBT ISSUES PLEASE - I POSTED IT IN THE WRONG PLACE http://www.consumeractiongroup.co.uk/forum/general-debt-issues/248177-aviva-ppi-help.html

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Wow this really is a tough one.

I cannot give any legal advice, but i am sure if it came to it in court it would be proved in your favour. Sit tight and see what other info comes this way. I am sure we can find you a solution to stop your worry.

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Anyone else's thought on this?

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Have you tried ringing the Ombudsman to see if they can help you or even the Citizens Advice Bureau?

 

Do you not have legal advice with your home insurance?

 

This must be an awful worry for you but unless someone comes along with better advice, I would try the above.

 

Good luck!!

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Yes I rang CAB & they said they were not able to help me as i needed a solicitor that specialised in financial matters & they were not qualified enough?

 

I think we do have legal advice with our home insurance, I would need to check, but i thought they would only be able to help with legal matters regarding any claims etc towards our home?

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Please do try ringing the FOS first as that is their role to mediate between yourself and the insurer. They will listen to both sides of the complaint. If that isn't successful, then you would need to pursue it via a legal avenue ie solicitors through legal insurance.

 

If you do have legal protection with your home insurance, it normally covers a broad spectrum of legal areas eg employment law and is not restricted to issues around your home. There are normally rules and time limits etc so check your T&C's or ring your insurance company.

 

Good luck!!

 

I would certainly try the FOS for their opinion

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OK, i rang the FOS, they say they cannot help me until I receive a final decision from Aviva, who are constantly batting back & forth stating i HAVE to see their investigation agents who want me to sign paperwork giving them full access to my tax records, medical records, DSS & Bank records. & if i refuse to do so, they will have no option but to then take me to court for the money they have already paid out on my claim ...

 

I am beside myself with worry :(

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Make a formal complaint to the insurer for their behaviour and non-disclosure of their "evidence". They should be seeking to resolve this without court action and so should present you with the evidence and allow you to rebut it or admit liability. Going to court should be seen as the last resort.

 

Once you've made the complaint, they have 8 weeks to provide a final response. If they issue the response or even if they fail to do so, the FOS can then get involved.

 

Don't fret about court action - they are there to decide what's fair in law and from my own experience, that is what has happened. Don't be afraid of the Courts! When faced with legal action, you should get professional advice (I'm not a solicitor).

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  • 4 weeks later...

Well I have contacted the CAB, they cant help me with this at all .. many of the no win no fee solicitors cant as it is not a misold PPI & our 'Legal cover' included in our morgage say they are unable to assist us ..... Aviva has now given their final word in that unless I have the meeting with RPA & consent to them accessing all my records, the account will not be paid .....this is all really getting me down to the point I collapsed a few weeks ago & ended up in hospital through stress of all these issues & the worry of the bank & Aviva chasing me for large sums of money i just cant pay & the offers i am making they are refusing .....:'(

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