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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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Lowell - Default ? old vanquis debt


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Hiya,

 

I am currently paying Lowell for a defaulted vanquish credit card debt.

(No issues there really, I owe it and pay less to Lowell than vanquish with no interest)

 

However Lowell have now decided to add that I am in default with them via the credit reference agencies.

(I have nothing relating to the original Vanquis default on any CRA file)

 

Can Lowell say that I am in default with them even though I pay and am up to date when actually I was in default with Vanquis ?

 

Hope that makes sense?

 

Cheers

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has this ever shown on your CRA file?

 

you say its not there now?

 

how old is this debt

when did you take the card out?

 

what made you start to pay lowlife..you fell for the threat-o-grams?

 

have you ever sent them a CCA request to check they have the LEGAL RIGHT to demand money from you?

 

something smells here

 

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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If vanquis registered a default then all lowell can do is substitute their name .

 

Do you have a notice of assignment to lowell?

 

Did they send you a default notice or intention to file a default?

 

What is the default date on your credit file?

Any opinion I give is from personal experience .

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Thanks for the quick replies,

 

I originally defaulted with Vanquis about 12 months ago, But there has never been ANY record of my account with them with the CRA's

 

(I started with a standard Vanquis card then was upgraded to a Gold Card- at this time the original card shows as settled and then nothing else from Vanquis has ever shown on the CRA's reports)

 

I decided to start paying Lowell about 4 months ago (through choice, I owe the money so should pay it back somehow) and a default has appeared on my CRA for May of 2013.

 

 

Yes I did have a letter of assignment etc and it does relate correctly to what I owed vanquis.

 

Cheers

Edited by enrico.balazar
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I knew I'd ready something somewhere (From Lowells website) .

It is likely that your original creditor will have registered a default with regard to the outstanding debt on your credit file.

When the account is purchased by us, we are legally required to transfer the default into our name.


So if there was no registered default by Vanquis - then Lowell cant add a default as long as I am within my agreement with them ?

Who do I contact, Lowell or the CRA's ?

Cheers

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are you saying the account was NEVER on your cra file?

 

and IS now showing

please be clear.

 

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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Share on other sites

Clarification please, in post 5 you state the original card show as settled (on CRA Files?), and now shows on CRA with Lowell?

 

The ''settled'' entry will have been when Lowell acquired the debt after which the original entry would be removed and Lowell will report to the CRA and must show the original default.

 

So as far as I can see the entry is correct.

 

Out of interest which CRA are you using.

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Brig, if the default is recorded as happening in May 2013 it cannot be correct, as the account at this time would have been owned by Lowell. Lowell were not in a position themselves to default the account.

 

But it’s best to check with enrico again – can you confirm that Lowell have recorded a default that BEGINS in May 2013, rather than simply taking over an old default? What is listed as the actual default date – is it May 2013, as you stated? This is important.

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So the true default date is 30th April 2012 as shown above NOT December 2013

 

You are reading the status history the 2013 is the start of th is years status history NOT a later default date and has not yet been updated with this years status from January 2103 onwards.

So the entry appears correct!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I am confused as hell. Where does it say April 2012.?

I think that what the op was saying is that when his card was upgraded they marked his original account as settled. Not the time of sale.

Has a post been removed?

 

If not maybe the OP could post his credit file entry.

Any opinion I give is from personal experience .

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I am confused as hell. Where does it say April 2012.?

I think that what the op was saying is that when his card was upgraded they marked his original account as settled. Not the time of sale.

Has a post been removed?

 

If not maybe the OP could post his credit file entry.

 

I would appear that the OPs post showing the CRA file details has been removed, it clearly showed the APRIL date.

 

May have had personal data???

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No posts have been removed by the Site Team although the OP did edit his post #11.

 

Thanks ims, it's just left later post out of context.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've never mentioned April 2012 ! I edited post 11 for date accuracy.

 

Simply put, the default has never showed on my CRA files until May 2013 when it has been added by Lowell with a default date of 30th April 2013.

 

Account type

Credit Card

Account number

************9415 0

 

Account start date

24/07/2008

 

Opening balance

£ 3,522

 

Repayment frequency

Monthly

 

Date of default

30/04/2012

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Last entry above clearly shows default date 30/04/2012 not 2013 what you are reading is the status history as previously advised, December D. 2013 D history not up dated.

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Sorry - Just realised it said 2012!. Old age creeping in

 

So, Its OK for Lowell to show that I have a default with them even though I never had a default registered by Vanquis?

 

I only started paying Lowell about 4 months ago and have not missed any payments with them (if that makes any difference)

 

Cheers

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Vanquis are not known for selling accounts with out them being defaulted, the dates seem right for default and sale D.D April 2012.

 

My intuition tells me that between the settled card and the reporting of the upgraded card the default was placed and the account sold.

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Hmm,

I think the settled card is a bit of a red herring - It's marked as settled in Aug 2009 when I did a balance transfer between my old Vanquis card and the new Vanquis card that then defaulted.(different account numbers)

However since the settlement in 2009 the has been no record of ANY vanquis transactions on my CRA's - its as if I never has the new card!

Hence my query about Lowell adding the default now

 

Cheers

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Vanquis always when upgrading cards mark credit files on the 'original' card as settled when the balance on the old card ids transferred to the new card.

 

I don't think there is any further I can advise, unless you seek archived credit reports for the period the data is missing, the default will have already been place before Lowell acquired the debt.

 

You could expend £10 on a SAR to Vanquis.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK thanks but as a last throw of the dice, I keep a reasonable eye on my CRA files, and I know that there has been no recorded activity at all (even when I was paying them) for this defaulted card and no default ever registered by Vanquis - So if I can prove this, then Lowell have acted improperly by registering a default in their name for an agreement that I never had with them?

 

Thanks for your advice. :-)

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OK thanks but as a last throw of the dice, I keep a reasonable eye on my CRA files, and I know that there has been no recorded activity at all (even when I was paying them) for this defaulted card and no default ever registered by Vanquis - So if I can prove this, then Lowell have acted improperly by registering a default in their name for an agreement that I never had with them?

 

Thanks for your advice. :-)

THE SAR is your way forward!!

Good luck, please keep us posted on developments.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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