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    • 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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taken to court by HFC/restons... **case dismissed** now marking CRA file again


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From what i can see the default is not showing anymore. From Aug 2009 when they gave me the default it just shows 3 in red meaning late payments,

 

Then from for the next 2 years its greyed out to say that no information is available

and then for the last 3 months says 6 in red.

 

How can they do this?

 

Does this mean i get another default so i have to wait another 6 years?

 

 

I already done 2 years of the default.

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No not another default now the debt

has been bought the new owner updates

the original entry, the original default

cannot be changed.

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Odd, I think you should write to HFCs compliance

manager, and demand an explanation of the entry,

copy the letter to the CRAs and place a notice of

dispute on you credit files.

Out of interest what is the ''start date'' on the entry.?

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You mean ask them why they have removed the default and added arrears in place of it?

 

That start date is 21/2/2001. They placed the default Sept 2009 and only just recently updated my file in Dec with 6 months late.

 

Thanks

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It's odd that this entry does not show a default date???

Get the letters off.

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  • 1 month later...

Hi all Long time no speak.

 

Well again HFC are trying to wear me down. My credit file has been updated. They have removed the default and have put that i am 6 months in arrers. This is really annoying as they defualted me 3 years ago.

I wrote to them to ask why they have done this and i am yet to get a reply. In the mean time i have received another letter from a DCA to say my acccount has been passed to them and i need to get in touch in 72 hours. What shall i do? I dont think they will ever leave me alone :|

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They are not allowed to change the original date of Default. I think you might need to contact the Information Commissioner regarding this.

 

The case was dismissed wasnt it ?

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No I dont because it is all done on line. But surley they have to default you before they take you to court? And they did take to me to Court so there is no denying that.

 

Sorry to be a bit Dim but who are the ICO and how do i contact them?

 

Thanks

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and?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as you were posting on two threads

i've merged them and retitled

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk. Sorry for the late reply. I called the ICO and they have advised me I have to give them 28 days to reply to my letter. (The letter i sent was to ask why they removed the default and made my account 6 months in arrers.)

 

If i dont hear from them I can make a complaint against the creditor for putting wrongful information on my credit file. Its been 2 weeks since i sent the letter. And in that time i receieved a letter from a DCA.

 

Thanks

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Hi

 

I need some help with this. I got a letter back from HFC to say they couldnt find the account in my name or address, and the credit file i sent to them does not show the creditors name or my name and address and could i please send the whole credit file so they can answer my querey correctly.

 

1. How can they not find the account in my name and my address? They have been sending letters and took my to court under my married name (not my maiden name when the account was opened).

 

2. I dont really want to send them my whole credit file. I printed this online. So is difficult to get just there info without putting other credit info on with it.

 

Are they just stalling for more time? What Should i do?

 

Thanks

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I would write back the following

 

"As your company have totally failed to keep proper records and now are asking for information they are not entitled to have I am taking you to court without further notice - I would remind you that defamation claims carry a very high penalty and could cost your company its CCL licence.

 

Details of this case are going to the OFT, Trading Standards, Ministry of Justice, local MP and various newspapers."

 

Keep it short and sharp and they will get the message. They are taking the proverbial here. If they cannot match you with their records then you are clearly not the debtor, the onus of proof is on THEM, not YOU.

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  • 1 month later...

Hi Again

 

I have had a letter today from a company to say they are acting on behalf of Mackenzie Hall to collect the debt. They are threating with door step calls if i dont contact them. I feel like im going back to basics this is what happend in the begining with HFC they turned up in my door step 3 times. I cant have this again. Any advice. The idiots wont leave me alone even though the case was dismissed in court.

 

Thanks

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