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    • 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.
    • 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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Speed Credit/Toothfairy/MCO/CIM who knows?? Harassment


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This is to do with harassment from Speed Credit, and their f****** rude staff, I don't have any products with them, but I would dearly love for them to leave me alone. As such, I have no idea if this is the right place for this post, so I apologise in advance if this is the case.

 

On Thursday 8th March, after incessant text messages, emails and phone calls ('SECURIDY CHECK! SECURIDY CHECK'), I pressed '1' and asked the gentleman on the other end of the phone that they remove my details from thier database as I was not in any way interested in their products. I was told it would be 3 days for the calls & text messages to stop. I expressed my displeasure at this, and said that shouldn't be the case (I can see nowhere on the emails or on their website about HOW to unsubscribe, let alone that it takes 3 days, and that I did not wish to be bothered by them again.

 

On Friday morning, at just after 7am, I had a text message, another at around 12, followed by a phone call. I again said I wished for them to stop contacting me, and was told this time it would take 4 days rot his to happen, and 'just ignore the calls and text messages'. I again said no, do it now (surely they are able to access my 'file' (how they have a file I have no idea as I have never applied for anything with them), and delete my number - she hung up.

 

So I sent a polite email stating that they stop contacting me or I shall charge £25 for each phone call & text message I have to deal with (has worked in the past).

 

So from Friday - Monday I had no less than 25 phone calls & text messages.

 

I asked yesterday who their compliance officer was (their own website states they have one) and was given the name Simon Fitton, and was told he has no direct contact details, but to call 084 3381 3381 and ask for him.

 

So naturally, I did (I wanted his direct contact details, I am fully aware I need to have back up copies of everything, so would just email him my correspondence and ask that he sort it out.

 

Of course, Simon Fitton was 'unavailable', but I could email [email protected]. I pointed out that I already had don on 6 previous occasions, and had no reply. I was told by Simon Hilton that 'ALL our emails are replied to'. I was also told to use the website to email - I pointed out that I had done on 3 previous occasions and had no reply (repeat Simon Hilton). This Simon HIlton also refused to call me what I had asked him to, and insisted on calling me by my first name as 'he had given me his full name'. He also refused to let me speak to a manager.

 

So, I have been in touch with Barnet Trading Standards (as per their recorded telephone message), OFCOM, have registered on the TPS and am contacting the police to report them for harassment.

 

However, there is still a matter of the £625 they have racked up in administration fees since I emailed them and asked that they stop contacting me. Alas, they do not realise I am, if nothing else, persistant, and will happily pay the £25 to take them to small claims for it.

 

Does anyone have an email address of someone, or which snail mail address I should go for? I have managed to get a few through searching the various company numbers and credit license numbers. Or should I just send letters to all of them? As far as emailing goes, I have so far had little joy.

 

Am I being dumb in thinking that 25 text messages and phone calls, disrupting my weekend away when I CLEARLY requested they refrain from contacting me is harassment?!

 

So, Speedcredit? Toothfairy? CIM Technologies? HCO Capital (who as far as I can see, do not exist, but theor phone message tells me Speed Credit is a trading name of)? Or MCO Capital (who they say they are a trading name of on their website? The bank details are the same for Toothfairy & Speed Credit, however I am having difficulty making the link with the addresses...

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Hi

Herein lies the problem.

Officially, MCO Capital and CIM Tech are separate companies and licenced with the OFT separately. In fact, CIM are the holding company of toothfairy but they also have their own CC Licence with the OFT under the name Web Processing (or something like that)

Confused yet?

Registered addy for MCO

SECOND FLOOR

11 PILGRIM STREET

LONDON

UNITED KINGDOM

EC4V 6RN

 

Registerd addy for CIM

15 LYNDHURST TERRACE

LONDON

UNITED KINGDOM

NW3 5QA

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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This is the thing, I don't know If I should go for the toothfairy route or the mco route. Or both! Being as their staff are so clueless, they are no help!!! And speed credit have a po box in warwickshire! They deliberately make it difficult to contact them. Very clever!

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And here is another thing. You used Speedcredit (I assume) and Toothfairy are asking for the money. Speedcredit is not on Toothfairies OR CIMs licence so who do you actually owe as they cannot be the one.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I don't owe anybody anything, I have no product with either of them!

 

However, on looking at the emails I got from Speed Credit, the link to 'complete my application' (I never made an application) goes to the Toothfairy website...!!

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I've also just found that emailing either of the addresses on the toothfairy website results in an automated message saying to contact them through their website. How do these shysters manage to keep on trading?!

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How do these shysters manage to keep on trading?!

 

They may not be. They both have requirements imposed by the OFT and this little escapade of theirs is another nail in their coffin

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Fingers crossef!! It'll help at least I hope :/

 

I dread to imagine how they treat actual customers if they treat me - someone they appear to be trying to flog something to in this manner! Mind you, I really shouldn't be surprised!

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  • 4 weeks later...

I had to post this - received today. 9 times what I owe?? How can they get away with threats like this (I've already reported them to the FOS as I paid them back so 9x jack s*it is what they can have)

 

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.

Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be l iaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

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Send the letter from the library about harassment and the one about recovery agents calling at the door. Then file a full complaint with the OFT/FOS and send them copies of the complaint. Youll probably find them falling over backwards apologizing when they realize you wont be treated as a fool.

 

From the wording of their information, it looks like they are directly breaching OFT guidelines too in regards to threats/harassment and unwarranted charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

Have another look at that letter (I assume it is one) just to allay my worries.

 

Should this also prove unsuccessful we will be l iaising with solicitors who will obtain a county courtlink3.gif Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court bailiffslink3.gif to seizelink3.gif goods at 9 times the value of what you owe.

 

Is that word for word?

If so you could report them to the OFT and send a copy

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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For then to say 'will' is very unusual because they cannot say for sure that they 'will' win in court.

 

I'm going to highlight the post for the site team to ponder on.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi silverfox - it was an email and it was cut and pasted so yep its verbatim! :):-x

 

If i was to PM you an email address, would you mind forwarding it on so that the site team have a copy. You can delete your personal details

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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thanks :) I thought it unusual too - I fail to see how they 'will' get a ccj aginast me when I can provide evidence to the contrary. When I spoke my bank (to ensure they couldn't take any money), they said they were probably trying to frighten me - which probably would have worked if I wasn't aware of this site :) Thanks guys xx

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They appear to have little or no regard for the OFT debt collection guidance rules that's for sure.

 

The email is very confrontational and intimidatory. What do they hope to gain by sending round the heavies to all addresses they have for you ??

 

They have no legal right to do that anyway.

 

I am assuming you have ensured that NO monies can be taken from your bank account!

 

I do so hope these are one of the companies that the OFT are investigating. I see you have contacted the FOS, but have you also put in a complaint to the OFT, copying them the email ??

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  • 2 weeks later...

I have just read your notes on harrassment I'm sorry I con't comment on your problem but I was delighted to find a harrassment letter to be sent to the harrasser. Santander made so many calls to my home by autophone and u had to press 1 to acknowledge your were that person I could'nt as it was my husband there were looking for! But with 15 to 20 calls per day I was forced to leave my home as I could'nt take anymore. I didn't know about harrassment rules until I found your site that it contravenes rules & regulations. They also stole money from my charity account forcing me into hardship as I then had to find the money for the charity, to pay for the loan my husband said by phone and wrote that he'd take full responsibility for as I wasn't well.. I wish I'd found this wonderful site before all the **** happened. THANK U SO MUCH It's given me a whole new fight to send them.

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