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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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Creation Car finance agreement - dealer forged my sig, was cabot now lowells chasing


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Hi, I am looking for some advice/opinions...

 

In January 2011 I purchased a car with finance provided by creation.

The price of the car was £2995, I paid a cash deposit of £800.

I was made aware of charges/fees totalling £450 (ish), which would be added to the finance agreement.

 

All was going fine until around 6 months ago, when a change of bank account led me to registering for online account management (so that I could arrange continuing payments).

 

The amount outstanding didn't appear to be correct so I contacted the company and requested all of the relevant figures.

It turned out that the set-up/admin fees had been added twice,

the representative I spoke to said that the dealer was wrong to add these fees at the point of sale as they are always added afterwards.

 

A rather in-depth conversation led to me being informed that creation don't actually hold any physical paperwork, and that they would be unable to amend the loan amount without notification from the dealer.

 

After some detective work I managed to locate the dealer

(who had now leased his forecourt to someone else, but I found him in the end!).

 

I explained the situation, and asked for a copy of our original sales document.

A week of telephone calls and me harrassing him brought no joy.

 

He told me that all of his paperwork was in storage and that he'd been unable to locate the document.

Well, of course he couldn't find it

- it would prove that he had actually received £450 more than he should have from creation, which they would obviously want back!

For me, the actual cost of the £450 would be much greater due to the associated interest.

 

Fortunately,

I did find my copy of the sales document, and emailed creation again,

informing them that I had a physical, SIGNED document showing the correct amount.

 

I explained that I would be happy to send them a COPY, not the original

- this was all the proof I had, it wasn't going to be lost in the post!

They did not reply.

 

On to the more pressing concern now...

during all of this I noticed that creation had the wrong registration number for the vehicle.

 

I informed them of this, without giving them the correct number.

Again, they were unable to amend the details without verification from the dealer.

 

I sent a final email informing them that this needed to be corrected (as did the loan amount) as I was hoping to sell the vehicle, with their permission of course.

 

I was hoping that this would set alarm bells ringing for them

- the vehicle did technically belong to them.

No joy.

 

after a couple more months,

it became apparent that the car was going to need a lot of money spent on it

- which I didn't have.

 

I did a hpi check and, surprise, it showed no outstanding finance.

So I traded it for another car at a local dealership.

 

I now find myself in no position to continue with repayments

- I am just setting up a debt managemnt plan,

and have just been visited by bailiffs

and had to agree a repayment plan with them

(which I can't afford, but will have to find if I want to keep my possessions obviously!).

 

I am in this position through my own actions

- I was earning a good salary until a year ago but had to give up the job.

This really is no-one's fault but my own.

 

My question is this - what can creation do to me?

I no longer have the car so they can't repossess it.

 

Actually, I NEVER had the car with the registration number they hold,

although the make and model are correct.

 

I am willing to come to some arrangement with them if they will accept a much reduced payment,

my concern is that they won't accept it and I have sold a car which didn't belong to me

. But then, it didn't belong to them either maybe?

 

I know I shouldn't have sold the car, but in my defence I did inform them of the mistakes with the agreement.

The only document I have ever signed is the original purchase order with the dealer (which he can't find).

 

Any ideas?!

Thank you.

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  • 4 years later...

Hi, can someone please help - I don't know what steps I should take next:

 

I sent a CCA request regarding an old agreement.

A copy of the 'original' agreement has arrived today

- with a forged signature!

It is most definitely NOT my signature, although it is a good attempt.

 

I never signed a credit agreement, that is why I sent the CCA request.

 

There are other issues

- the registration number of the vehicle I bought is incorrect,

as is the purchase price

- both issues were reported to the finance company at the time.

 

At this point, though,

I am more concerned with the fact that someone has had the audacity to forge my signature!

 

There must be a process I need to follow,

but I have no idea where to start.

Can anyone point me in the right direction?

 

Many thanks

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merged with you old thread from 2012.

 

so the dealer forged your sig then,

this must be close to being SB'd too!

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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so what prompted the sending of the CCA request

 

 

have cabot been sending threat-o-grams then?

 

 

tell us what has happened between your 1st post and today that has prompted you to CCA?

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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Share on other sites

The account is now with Lowells Solicitors

- they sent a 'final notice before court action' type letter..

. There may have been many other letters which were never opened (head buried in sand moments).

 

I haven't been paying this debt,

and I haven't acknowledged it.

 

 

Because of the issues with the account

(as my original post - incorrect details, no satisfactory response from Creation regarding these details)

I just didn't pay it

- I know that's not the best course of action,

but I've had many other things to worry about over the last 5 years.

 

I think the problem was always the cowboy that sold me the car.

He was more than a little surprised when I found him in 2012!

Funnily enough, I've seen a FB post very recently about him, and it wasn't a good review.

 

In summary

- I am in possession of the original purchase order,

showing the correct vehicle registration number and purchase price.

 

 

I have not made a payment on this account since 2012

(according to the statement I received today

- I'm sure it was longer ago than that, though).

 

 

I have not opened any letters about this account for years

- but that's not to say I didn't get any.

 

 

I am angry that I seem to have been 'done', and yes,

I'm trying to not pay it for that reason.

 

 

The CCA request was made because I KNEW they did not hold a signed agreement,

because I never signed one,

and I need to show I have tried to resolve this before it goes to court.

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looks like the OP paid until about feb 2012 [1st post]

 

 

dx

 

 

 

 

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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oh and you did the very best thing by not paying!!

 

pers i'd let this run

 

if you do get a claimform

then comeback here.

if casbot has sold it to lowells.

 

that means its definitely a lemon debt.

 

cabot are bottom feeders

Lowell don't usually deal in debts cabot has had

so i'd sit on your hand

which might have been a better thing to do

unless you've moved since you took this out

then the CCA was a good Idea as they now have the correct address

and cant get a backdoor CCJ.

 

the fact that its fraud and you have proof will KILL any court claim dead.

 

don't worry

 

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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Thank you for your input, it is appreciated!

 

Yes, I have moved - and changed my name (first name by deed poll, surname by marriage). Letters are still addressed in my old name. They found me somehow - not sure how? I had already changed my name by the time I moved...

 

Do I need to do anything about this fraudulent signature? Should I respond, pointing that out? Report it somewhere?

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now go read post 10

 

 

as long as you've CCA'd from your current address you do nothing more

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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