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    • 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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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payday express nightmare


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I have informed payday express that the debt will be paid on 18/10/12 in full. Yet they call my mobile 12 timrs a day. Text every hour and email all day. Is their any letter can be sent as they just a hugh pain in the ass. They will be paid so should i just ignore the calls or keep telling them the same

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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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I have called them emailed them but still get calls every hour demanding money. They will ne paid on 18/10/12 payday express are just ad bad as speed credit and wonga. Trying hard to clear all debts. Now going to block calls from mobile last option.

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Ok. I fyou have told them not to call you, yet they still do, then you need to complain to the OFT, FOS and OFCOM.

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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Make sure you are reporting them.

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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You will only get an auto reply a week or two later unless they need more info. However, they collect all complaints and use them against a company if the OFT deems any licence action necessary.

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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  • 3 weeks later...

Just had an email last night from Payday Express as follows, however strange thing as their was an outstanding amount. As they state inn the email loan cleared ???????????

 

 

Dear Mr ,

 

Client Reference: ******

 

 

We can confirm that your balance has been cleared.

 

Your loan limit is: £149.57.

 

If unforeseen expenses crop up and you need some extra cash until payday, apply on the Existing Customer Page of our site to get up to £150.00 cash.

 

If you have any questions, give us a call on 0800 652 4660.

 

Regards,

 

Payday Express

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Have you checked your bank account to see if they've helped themselves to your money? PDE are not in the habit of wiping people's slates clean... They much prefer to hound you for months instead :/

It never rains but it pours...

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Lol... Strange! Glad you've checked your associated bank accounts and all appears ok.

 

During the course of the loan, did you EVER pay with someone else's debit card? I ask this because... I once paid them an extension fee with my partners debit card, requested that they delete the card information after payment. A few months later my wages didn't go in on the date they should have done and they asked me if I wanted to pay via the card I used a few months ago... Fortunately, my partner had lost her card in that few months and her details had changed anyway.

 

I'm leaning towards PDE have cocked up and sent you that email in error. Their system (and staff) have many hissy fits and like to fire off lots of contradicting emails. The amount I owed increased 3 times in one day once because I got angry and sent them a few emails telling them to foxtrot Oscar :/

It never rains but it pours...

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We have never paid with any other card, all accounts have been checked and clear. we think its an error but where do we stand now they have sent an email stating its clear, just going to wait and see i think is the best action. but 100% sure they will resend email demanding more lol.

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Well gone from bad to never worse.checked our old lloyds tsb account last night. And payday express have taken £252.00 using the old debt card. Why would the back let them take funds as the account has NO overdraft and was zero balance. What next now lloyds charge

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Just had been talking to Lloyds TSB regarding the funds taken from our account

 

1, the account had a zero balance NIL.

2, Payday express contacted Visa stating we have an outstanding balance of £251.00, and confirmed the debt ???????

3, Payday requested the funds from TSB, and they paid the amount, now the account is -251.00, and lloyds are charging fees.

 

During the call Lloyds have stated the as Payday and all that type are linked banks / lenders they are treated differant and visa can clear them to take funds even if the account has a nil balance, are lloyds correct in the statement, we have cancelled cards blocked accounts to stop more claims, but the lady from Lloyds was helpful and confirmed this is now a common practice but there hands are tried. As visa and and payday company are passing inforamtion relating to debt which can be claimed.

 

Can anyone help with information

 

cheers

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Well can this get any worse, due to the fact Lloyds have paid the Payday Exprees balance of £251.00, and the lloyds account is now -£251.00 yeo you guessed it lloyds are now charging £10.00 every day until the funds atre repaid in full. Nightmare according to Lloyds Payday Express got clearance from Visa to claim the £251.00 therefore Lloyds had to pay even if the account had a nil balance.

 

Again hitting my head on a brick wall, lloyds say as payday express are a lender they have differant rule relating to payments which we think is a load of rubbish, We have asked for lloyds to charge back to Payday Express but they have refused stating we have to get Payday to refund JOKE. now Lloyds state we must pay into the account £301.00 who the crooks yep all of them

 

Can anyone help please

 

cheers

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Hi,

 

I've had the same issue. At the time, I thought they'd only attempted to take the money from my account as I don't have an overdraft and frankly, I'm a little dumb!!

 

Anyway, after three calls to the bank (Lloyds TSB) and a bit of maths, I found they had actually taken the money. I called them again and explained the situation. Basically, they used my old card details to take the money (I'd presumed somehow they'd managed to obtain my new details but the chap in finance said sometimes they try the old details and it's honoured) but as I've told them during their various 8 calls a day back in July and August that I'm with a debt management company, and I've followed this up with emails and letters on 7th August.

 

The outcome is that Lloyds have raised a dispute and if they argue it (as far as Lloyds is concerned Payday Express is aware because I've told them verbally, the debt management company has told them and sent them money so they shouldn't have done it) they will be fined and the money will be returned to me, plus accrued charges, by 6pm. If they agree, the money will be in my account by 6pm.

 

Speak to the bank and kick up a stink about it. Make sure they're aware that PE know of your situation, and the money should be returned.

 

Of course, you may have already dealt with the situation, in which case I hope it went well! But if not, I hope this experience of mine helps you somewhat.

 

Take care!

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Hi. Thanks i will be calling and writing to Lloyds tsb as they have now charged £80.00 as the account is overdrawn. We asked fir a repayment plan had no replies from payday express. Lloyds are now calling our home asking when funds will be paid in to clear the account. They were not happy when i told them the account is in dispute, again they state they had to clear the payments as per payday express request and visa. Payday informed visa of the debt therefore visa leared them for payment thus lloyds transferred funds.

 

Will be fighting this lender as we can not pay lloyds fees at the rate of 10.00 day never mind the 251.00 what a mess

 

cheers for the info

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Just had a letter from Lloyds demanding the 251.00 & 80.00 in bank charges !!!! Who are croooks payday or lloyds oh both of them. Not paying a penny until lloyds give proof of the debt they claim payday submitted to visa.

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Hi,

 

I've had the same issue. At the time, I thought they'd only attempted to take the money from my account as I don't have an overdraft and frankly, I'm a little dumb!!

 

Anyway, after three calls to the bank (Lloyds TSB) and a bit of maths, I found they had actually taken the money. I called them again and explained the situation. Basically, they used my old card details to take the money (I'd presumed somehow they'd managed to obtain my new details but the chap in finance said sometimes they try the old details and it's honoured) but as I've told them during their various 8 calls a day back in July and August that I'm with a debt management company, and I've followed this up with emails and letters on 7th August.

 

The outcome is that Lloyds have raised a dispute and if they argue it (as far as Lloyds is concerned Payday Express is aware because I've told them verbally, the debt management company has told them and sent them money so they shouldn't have done it) they will be fined and the money will be returned to me, plus accrued charges, by 6pm. If they agree, the money will be in my account by 6pm.

 

Speak to the bank and kick up a stink about it. Make sure they're aware that PE know of your situation, and the money should be returned.

 

Of course, you may have already dealt with the situation, in which case I hope it went well! But if not, I hope this experience of mine helps you somewhat.

 

Take care!

 

 

I got paid today and was alarmed to find that Payday Express have taken over £1200 from my account. They are aware that I am now with a repayment plan and have acknowledged this in writing but when called today, they basically said they are within their rights to take the money and don't care that I have nothing to live on all month and hung up. I have been in tears all afternoon. My bank have raised a dispute and I am just praying that I will get my money back. Today was to be the start of a clean slate.

Z

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  • 4 weeks later...

Bad times, I've cleared my debt and still receive phone calls at my work place weeks afterwards chasing payment, I've sent letters, spoken to customer services several times including supervisors to be promised that it will be resolved to then get more embarrassing phone calls, Payday Express truly are jokes... how they remain in operation is beyond me, good luck to anyone dealing with them!

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Many thanks will email and

post later today cheers

Did you have any joy using this letter? I took a payday loan with payday express through a broker who has now handed my debt onto a collections agency although it's already been paid... I've sent Payday Express and the broker a letter I personally wrote without a template but it went into great detail about the situation, I sent it recorded delivery and I can see it was signed for 7 days ago now... I'm yet to receive a reply, did you receive a written reply and if so how long did it take to receive?

 

Thanks.

Edited by Ceri Thomas
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  • 4 weeks later...

Would appreciate a reply to the above question as I'm still having issues with payday express they still haven't replied to my original letter... although no reply has been received I haven't received any more calls directly from payday express at my work place... but I am still getting debt collection letters unfortunately and starting to get a bit worried.

 

Please be aware that all debt owed to payday express has been cleared, there maybe a duplicate on the system or something but I am not aware of this,

 

Thanks.

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