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    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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citi A word of encouragement for citi claimants


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:) I will sort it now.

 

Thanks for letting me know.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm currently in the fight with CitiCards, I see from many other threads they have already started to quote their win, in this case.

 

I agree we need to be a bit more carefull in what we post here with you know who watching.

 

Can someone PM me with if there is any news that maybe useful to my case with them.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/26041-rbphot-citicards.html?highlight=rbphot

 

Thanks

My Cases

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/14777-rbphot-lloyds-tsb.html?highlight=rbphot

 

My useful posts

 

http://www.consumeractiongroup.co.uk/forum/general/26095-bank-credit-charges-eec.html?highlight=rbphot

 

;) The Masses Will Always Prevail

 

Rbphot

 

Lloyds TSB, (£2.5k) Data Protection Act-150606, Prelim letter-050706, 2nd LBA-140706, Money Claim submitted 010806(6QZ51069), Claim Agknowledged 040806:D , AQ submited today-070906

Lloyds TSB Amex, (£60) Data Protection Act-150606, 1st LBA-110706, 2nd LBA - 040806, SETTLED 50% of amount.:D

Citi Cards, (£995) Data Protection Act-110706, Prelim letter-210806, LBA - 040906

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  • 2 weeks later...

Hey peeps, any news that you can tell me without giving anything away to these "watchers" . I sent my LBA as suggested and am awaiting a response. Is there anything I should do or know before filing my MCOL?? Can someone PM me if you cannot disclose details to the prying evil eyes of the men in black. These banks are certainly puting up a fight now.

BRING IT ON I SAY!00020059.gif

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You are at an early stage yet......anything you do need will already be here.

Its a little later that perhaps you will need the pms

by which time the info here will be out of date if Citi carry on changing their tacs......:rolleyes:

 

We will of course keep changing ours too.......But at the end of the day they are penalty charges and they are unlawful......its up to Citi to change those !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

 

 

You are very very nosey........how can I be sure you are not one of Brians informants :o ......the 007 also relates to spy ??????????:rolleyes:

 

In due course Mr Bond ..........in due course........:grin:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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0002005F.gif oooh, how spooky! I nearly wrote that I wasn't a spy for the other side but decided to delete it as I thought it might make people wonder! Anyway, gotta go, I have a nice martini waiting for me - it's been shaken not stirred!
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:lol: :lol: :lol:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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sorry to barge in but can anyone help me out with my thread below?

i want to get a letter out today but and stumped what to do??

thanks

http://www.consumeractiongroup.co.uk/forum/other-institutions/37327-citi-court-help-urgent.html

Halifax

Settled in Full

Cap One

Settled in Full

Citi Card

Settled in Full

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

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Wahey!!!!!

 

Best of luck....by the way have you noticed the huge increase in Citi claims recently? Seems your case had the opposite desired effect for Citi!

 

Either that or they're all Brian Smith desperate to get some advice lol

 

Zoot

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

 

Good Luck - glad Citi's little game is about to be squashed.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Excellent news - been looking forward to seeing the next eagerly anticipated stage rolling into action!!!

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Yes best of luck to you - dont think its you that needs the luck though! I've sent my prelim off 4 compounded interest, the first of my claims, and will be sending off my mums S.A.R - (Subject Access Request) soon - hers got passed to a DCA after they more than doubled her debt with charges - she paid it all so will be getting a nice windfall back in 2-3 months. was going to leave it and a loan I had with them for a while as have a few kettles on the boil but their cockiness has changed my mind.

 

Look forward to hearing of your victory!

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

 

What your details like name address and amount of claim etc - they really need stopping and soon. They think they are invinciable and above the law. Hope they grt a good rap over the knuckles for this.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thats bad.

 

In addition can add to this that I was sent someone else statements at the SAR stage.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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In addition can add to this that I was sent someone else statements at the S.A.R - (Subject Access Request) stage.

 

Now that IS unlawful. (they will probably claim - "user training issue")

 

They have a duty of care as a data controller - report them to the IC straight away.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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just subscribing

:-x Royal bank of Scotland :-x

£2391.82 + 8% + legal costs £220.00 = £2911.88

Data Protection Act request - 01/07/06

Prelim Request - 25/07/06

LBA - 08/08/06

Claim filed - 22/08/06

Acknowledged - 25/08/06

Defence filed - 25/09/06

AQ sent 10/10/06

AQ Received by court 12/10/06

Copy of RBS AQ received 14/10/06

Now We Wait ................

 

:-x Capitol One MasterCard :-x

 

Data Protection Act Request - 15/10/06

 

:-xCiti Bank Visa Card :-x

 

Data Protection Act Request - 15/10/06

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