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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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NDR Money?


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Anyone had any dealing with NDR Money.. They are acting on behalf of very.co.uk, Anyway cut a long story short they have taken some of the debt i when i pay that they will pass we back... 1 slight problem they wont let me set the date to my pay day and will keep charging me £12 late fees??

 

Any one had this problem before with this company?

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So Very has passed the account to NDR to collect?

 

Who is adding these charges for late payment?

 

How old is this account? Roughly how much?

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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Yeah passed onto NDR money i have a 4 month payment plan and once i have paid four months i will just go back as a very customer for the rest

 

Account total : £1411

 

NDR Money £384

 

Very:£995 ish

 

Account been open for about 7 years, I have sent them a CCA request 10 days ago so awaiting that to come through to me

 

As far as i can gather the charges will go onto what i owe very but they didnt make it clear, tbh the women didnt seem like she gave a crap about anything i told her, I am going to ring back tomorrow and ask them to put it in writing that they will not change date and give a strong reason as to why they wont change the date to help support me in these bad times

 

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OK, first off NEVER EVER RING THEM you MUST keep everything in writing from now on, so as to give you a paper trail of evidence, (Unless you are recording your calls?)

 

Did Very inform you that NDR would be collecting payments from now on?

If not it is quite possible it's a ruse, and I wouldn't pay ANYONE other than Very! You MUST have a letter from Very & NDR, stating that Very is passing it over to NDR, & NDR saying they have been given this account by Very.

 

How did you send the CCA request? Recorded delivery or otherwise? If it was RD and you know the day they received it on, then it is 12 "working days" from the day 'after' they received it. If it was other, then it is 14 working days from when you posted it.

 

YOU take control, write to them stating the date of payments & the amount which YOU will be paying. Ignore the charges for the moment.

 

If they ring you then all you have to say is, "everything in writing" and put the phone down, if they persist, just place the receiver on the side, or put it in a drawer, then go back 10 mins later and see if they have hung up.

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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Yeah will look at the paperwork now i do think they said they were passing it on, but tbh will you i am confused as to why they have only passed over a bit of the amount.. Yeah phoned them just i suppose for a quick response, but i got a mouth full and a rude person anyway i put the phone down on her..

 

Yep sent the CCA request recorded delivery and got a signature from the online tracker!! I am hoping they haven't got the original details not because i don't want to pay them back but so they can back off a bit..

 

Need to find a template now to send them regarding telling the the day i will pay and the amount i will pay

 

anything you suggest?

 

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Sorry nearly my bedtime, just clarify for me, you send the CCA request on the 28th Mar, but the track & trace isn't showing that it has been delivered??

 

If so, you will find that all RD letters are signed for in bulk, so give the PO a bell tomorrow and ask what has happened to your letter? Whether they can confirm that it has been delivered and if so, when.

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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Yep no worries Tingy have got that letter typed up and ready to go to them, just wanted to get a feel to see if anyone else has had any dealing with them to get a bit more info on these in house ppl!!

 

Yeah sent recorded on 28th so will ring them tomorrow and ask them if it was delivered if not will re send!! i hope it has because that will mean that they are overdue in sending me this information and i can send them another letter informing they have failed to reply in a timely manner

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  • 2 weeks later...

Okay have sent off for my Very/Littlewoods/Shop direct(all under same umbrella) CCA request,

 

They have sent me how much i owe when i opened the account, what i have payed in the last 12 months, etc etc but has not sent me anything with my signature on to me accepting the terms and conditions?

 

They have sent me the current terms and conditions with my Name and address DOB printed on the form..

 

What do i need to do now?

 

The account is currently with NDR money as i have set up a payment plan but do i now put this into dispute?

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you probably did these online

 

so there will not be a signiture anywhere

 

if it can be shown that a clear financial link exists, then trying to avoid your debts with 'paperwork' errors is not the way to go and not what CAG is about.

 

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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threads merged

 

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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Hey Dx i am not trying to get the debt removed i am simply trying to get some breathing space to be able to get the account back up to scratch.

 

The application was done in mid 2003 so was their online applications in 2003?

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yep but i wouldn't worrry about all that..

 

what are your problems with the debt and NDR

tell us the debt history please

 

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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Basically account with Very owe them £1400 asked for a repayment plan as i could only afford to pay £50 per month,

 

2 Days later they pass it over to NDR money who have taken 400 of the amount i owe and they wont let me pay them less than £84 per month over 4 months then i go back to Very then to clear the other £1k

 

Problem is i had things on Buy Now pay later and all the intrest is being slapped on so in the end of it i will prob owe about 1.5k once i have payed NDR money off

 

NDR money will not budge and even wont change the day i pay them to that i dont incur late charges..

 

So any suggestions?

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right

 

all the late charges can be reclaimied with interest at THEIR RATE.

they are a 'penalty' and are unlawful.

 

pers i'd STOP comminicating with NDR

 

they are a DCA - they have NO LEGAL POWERS to dictate ANYTHING to you..

pay direct to the OC [shop direct] what you can WHEN you can by internet banking.

 

its YOUR MONEY, take control of of it

 

STOP letting them tell you how to control IT YOU TELL THEM...fullstop.

 

now whats this about £400 of the amount?

 

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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i'd also recommend you read sequenci's excellent blog in my sig

 

these ARE NOT priority debts,

if you are having debt issues, they should be on £1PCM!

 

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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the £400 is for the NDR payment plan and once the £400 has been paid i then go back to paying Very, I do not pay very anything i pay NDR, It all seems a bit of a mess tbh, But NDR money and Very are the same company, same address same statements.. I do not know the best way to go forward, I have to be careful with this account as it is in my Dads name and i just run it.

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have to be careful with this account as it is in my Dads name and i just run it.[/font]

 

What? This is not clear cut at all?

 

Are you saying that your Dad obtained this account for you? Or you are in charge of your fathers finances?

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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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

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No no sense at all! You used his account without him knowing, but he knows everything about the account, so you haven't used it without him knowing?

 

This is YOUR debt, regardless of who's name is on the account, so there is no reason why you can't add it to your I&E sheet?

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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No no i never said i used it without him knowing, i said i haven't used it without him knowing

 

Anyway i never knew i could add it to my sheet, I think i will just rethink what they are asking off me and just pay them what i can afford from my sheet, But i cannot send this to NDR can i as the sheet will have my name on it not my dads, as far as they are concerned the debt is my dads

 

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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

 

YES, Stop paying NDR. They have no rights to tell you, what you can and cannot pay! IT'S THAT SIMPLE.

 

You have requested your Credit Agreements, have you recieved them yet??

 

If not, stop paying altogether until you see they have the correct paperwork.

 

If they ring you, refuse to answer security questions and tell them everything in writing.

 

NDR are big puppies, they bark alot and have no bite whatsoever. All charges on the account are reclaimable.

 

Jogs

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Right back with ya!

 

The I&E sheet you are doing is for your benefit, so you have basically used your dads account to buy something, fell into difficulties, and now they won't accept a reasonable offer from you but demand above & beyond what any sane person would feasibly pay per month.

 

Have they demanded you fill in one of their I&E forms? DON'T! They are as much use as indicators on a submarine.

If you wish to send them one, then get a kosher bona fide template from CAG or http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

 

Unfortunately, the days of creditors demanding what they want their customers to pay has died a death, once you take back control then there is nothing they can do.

 

Fill out the I&E sheet, see what you realistically have left to pay with, then make them an offer, but keep it realistic as you will need to stick to it, and regardless of whether they accept or not, start making the payments, preferably to the OC.

 

You can tell NDR to go whistle Dixie, you will ONLY deal with the original creditor, start the complaints process with Very and exhaust it, it sounds very questionable as to why they are only collecting part of the alleged debt, Very did inform you of this didn't they?

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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