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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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welshperson3 v blemain finance - 140A Unfair relationship -started court proceedings


welshperson3
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Firstly a bit of background.

I have a secured loan with blemain finance (we all make mistakes:-x)

It was taken out in may 2007 and is for £10K also it is cca regulated.

They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated.

 

Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice.

 

my issues with the default notice are

a]That they didn't give me 14 clear days to rectify.

b] No specific date to remedy (they say 14 days from date of letter)

c]The paragraph saying that if you dint understand this then seek advice from CAB is missing

 

the following is word for word what it says on the default notice and the only date on the notice is at the top of the page.

 

1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter.

2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach.

3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you.

4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property.

 

so any advice on how to proceed with this would be greatly appreciated and thanks for looking.

 

welshperson (from bridgend:-))

Edited by welshperson3
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Not an expert on default notices, but even I know they have to give you 14 days from receipt, therefore 14 days from the date issued isn't long enough. I have no idea how you would go about removing the possession order though.

 

Re your charges, be warned the FOS have a huge backlog and it could take over a year to get a decision from them. My advice would be a court claim, but I think you need more advice on the possession order first.

 

My reply will bump you back up to the top of the forum so hopefully one of the experts will spot your thread. If not, post a quick message yourself which will bring it to my attention again, and I'll try to find someone to help.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Can you post up the DN with the appropriate bit blanked out as belt and braces - this could prove a very vital document because the court action means that the account is terminated.

 

Taking what you say on face value then UNLESS it was hand delivered on that date there is no way that DN can give you 14 days and the fact that it says letter implies postage which is the normal delivery method, plus as you say there is no specific date for remedy. This on the face of what you say (and this is the exciting bit) therefore constitutes unlawful recission of contract.

 

Soooo, You have ground to have the CCJ on which the possession order is based set aside and you become liable only for the amount of arrears stated in the DN.

 

BUT, I'd like to see the DN AND get a 2nd opinion or two before getting too excited

Edited by 42man
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Have they officially terminated your agreement (do you have a letter which states the agreement is terminated ?).....if they have then it is an unlawful recission of contract have a read of this and try and understand as best as you can - http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

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first thanks for all the advice

 

I will post up the DN when i workout how to upload,later today hopefully.

my thoughts also is that as they have acted on the DN by taken court action then that has terminated the account.

 

also think i will have to get the ccj set aside, would i be right in thinking i could get this set aside on the grounds of them not having the right to take court action because of them not issuing a compliant DN.

 

think over the weekend i will research a bit more on how to get a set aside,

not quite sure but i might be entitled to legal aid, another thing i need to check.

 

wp3

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I would agree that taking it to court is terminating....

.I am trying to look for some more information through the Consumer Credit Act, as there is somebody is a similar situation

- have a look here - http://www.consumeractiongroup.co.uk/forum/legal-issues/234799-co-op-bankruptcy-petition.html

Have a look here too - http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html

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my first atempt at uploding DN with photobucket hope this works.

http://i902.photobucket.com/albums/ac230/welshperson3/img005.jpg

here is a part of blemains witness statement showing that they wanted full possession

http://i902.photobucket.com/albums/ac230/welshperson3/img006.jpg

my thinking is going for possession on a dodgy DN, and claiming for repossession equals game over for blamain.

hopefully there will be a new headline soon.

( BRIDGEND 2 BLEMAIN 0) :)

WP3

a quick question if anybody can help.

my DN is dated the 22/8/2007 which is a Wednesday so allowing two clear days for service what day would count as the first day.

my thinking is 2 clear days after the date which would be the Thursday and Friday the weekend don't count so first day is the Monday ?

or is it deemed served on the second after posting witch would make it the Friday ?

or can it be deemed served on a Saturday ?

wp3

Edited by welshperson3
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It's only deemed served after 2 days if they can PROVE first class post, else the default is 4 days which is second class.

The clock starts ticking the day you receive it and its 14 calendar days from that date.

If you cannot prove receipt and they cannot prove postage the it will be deemed served 4 (working) days after postage.

but anyway they have messed it up whatever!

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  • 2 weeks later...

A quick update

 

phoned blemain today (out of courtesy) to see if they will agree to my application for a set aside.

it came as a bit of a surprise when they say no they wont agree :(

 

also phoned the court they are sending out the forms so when i receive them i will post them up on here along with my defence.

 

wp3

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i had exactly the response i expected.

but when i mentioned unfair relationship they went on to say that as i have not got a repossession date and it is only a suspended possession order then this means nothing if i keep up with the payments.

if it meant nothing then why did they go for it ?

ANSWER

so they could add £1300 in solicitors costs (in house solicitors) and then go on to add over £4000 in 2 years.

I DO THINK I RATTLED THEY'RE CAGE THO ;)

WP3

some advice please.

"IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOU LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU

on a default notice this paragraph is it a prescribed part, if so what date was it added.

wp3

Edited by welshperson3
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thanks 42Man

 

So now i have 3 separate issues with the DN.

 

1 no specified date to remedy.

2 not enough time to remedy.

3 a prescribed paragraph completely missing.

 

today i received a application form from the court for me to get this

set aside.

 

i will attach my defense but should it be a skeleton argument or a full defense.

 

wp3

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  • 2 months later...

Had two meetings with solicitor he is happy with what i got but he wants a barrister to look things over.

 

Hopefully i will issue court proceedings by the end of February.

Have been researching and working with solicitor for months so as to get it right think I'm there now.

 

going for S140 CCA unfair relationship.

 

If i win I'm sure it will make headlines

 

blamain lost on unfair relationship to peter Bentley, HE WAS FROM BRIDGEND SO AM I.

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hi welshperson

are you able to elaborate on 'going for s140 cca unfair relationship' re invalid dn? or is it too discreet at the moment?

thanks

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The original issue was just about the DN but since meeting with solicitor it has brought about numerous other points that effect the agreement.

 

So the unfair relationship is not really connected with the DN issue.

 

As soon as proceedings start i will post up my POC but not yet as it might give them a heads up .

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  • 2 months later...
  • 3 months later...

As the title suggests I have started court proceedings against blemain finance.

The application I have made is consisting of two parts,

Firstly I have a suspended possession order issued last year and I am asking the court to set aside this

On the grounds that blemain had no right to bring the original claim.

Before bringing a claim for possession they should issue a compliant default notice, the one I have is far from compliant it is short of the statutory days to remedy, also it is missing prescribed paragraphs.

Also possession proceedings should only be sought as a last resort, blemain finance were adamant that this was going to court, I was offering to pay £100 a month on top of the regular monthly payment but they would not accept this, but out side the courtroom door I spoke to the solicitor representing them and made a offer to pay £50 a month on top of the monthly payment, he then phoned blamain who accepted this offer of £50.

This shows that the overriding objective of blamain was not the arrears, but in fact just to get this to court so they could add more costs and the interest that they claim on these costs.

Unfair relationship test applies to the above as it covers not only the term of the agreement but also the way in which they carry out the agreement and anything they do.

The set aside I might get it and I might not, but if I don’t it is not the end of this claim the main point of this claim is related to how they have operated under this agreement and how they have added charges to the account.

My intention is to find out if £35 a phone calls and £35 a letter and £30 a month for being in arrears and numerous other admin charges are legal.

To date the charges approximately £5000 with out the interest that has been added to then.

Also a variable interest rate that was not explained to me how they can very the interest at will.

For example if they want to put the interest rate up to 50% from next month, just so they can make a lot of money then they can. (Unfair I think)

Commission paid to the broker that was not disclosed to myself at the time I took out this loan (secret commission) if the broker finds a loan that is not in the sub prime market he get a fee but if he finds a loan that is sub prime then his fee is considerably more.

So the question is was this loan the best option for me at the time or was it the one that was paying the broker the most money.

I have a court date for the application herring on the 18 August.

Now for my question.

S140 unfair relationship puts the burden of proof on them, I claim its unfair and it is until they prove that it is not, and this will require providing documentary evidence, now the problem I am having is to get them to disclose.

I have done a S.A.R. and they have only supplied a very limited amount of the documents I asked for, so do I file a N244 in court and ask the court to make them comply or can I get the requested documents using C.P.R. rules.

C.P.R. 31.14 I think only relates to documents mentioned in the claim but I want the under writing sheet and other things not mentioned in the original claim.

So what is the best way to get the documents that I want ?

Every thing I have written on here blemain knows about, as they would have received the court papers.

I hope you all understand that I have to keep something’s off the open forum as I am sure that they monitor forums such as this and I don’t want them to have a advantage in court by knowing my every move, but I will keep you all updated as to how things are progressing.

Finally,

Even if they pay back all the charges before going to court I will still continue to ask the court to make a decision on this as the way they have treated myself and my wife, I am now like a dog with a bone and I will not let this go.

The last time blamain went against someone from bridgend is all over the internet, I to am from bridgend and I don’t think blamain will want to lose this to someone from bridgend again as the publicity will be extremely bad. So I expect them to go at this with all guns blazing.

All help and advice will be greatly appreciated as this could set precedence for the claiming back of charges from all lenders.

WP3

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Eevening,

 

It is worth remembering (I am sure you have) that Blemain are not subject to the Supreme Court decision, because they are not a bank!

 

Best wishes

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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