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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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      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.

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Help Needed! Loanspotter Broker Fee - struggling to get a refund!


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For those who received a spam email of a post saying they had problems but got their loan and gave a telephone number saying 'it's worth giving them a call', WELL,

it's certainly not worth giving them a call when you can do exactly what they do for free. It costs nothing to ring around loan companies.

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I had an email notification saying that someone from Loanspotter had responded and I've logged on and it's not here? Probably just as well and was ready to type him a reply............

 

I have made an official complaint to the FOS, all paperwork came through today so just going to print off all my evidence and send it back to them.

 

With regards to changing my bank. It's not really possible. I live in quite a rural area and Lloyds is the only bank around.....I know I don't often pop into branch but when I do I want one I can go to easily rather than an hours journey

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Ok rockrover- The ombudsman it is.Well done for carrying it through.

Only other option i suppose would be the Post Office,if anywhere near.

How nice to live in a rural area.The sound of birds,the dawn chorus,tractors,sheep,migrating birds,rivers,enough said.

I shall retreat now and watch your thread carefully.

Still finding it hard to take that Lloyds sided with Loanspotter.But as said before.

During the PPIlink3.gif fiasco-the banks made decisions.

People then thought sod that this is the wrong decision.

I will go to the F.OS.

With some banks 90% of those decisions were reversed.In the customers favour.

No use i suppose to give the bank one more ring,before posting the complaint.Just for future reference.Try to speak to a supervisor at the bank.

Tell them you are going to the ombudsman.

I do not know why i feel so strongly about this.

You have till the 22nd to stop this somehow.The principle as we mentioned before.

Find your local Councillor and your local Mp email or contact their surgery.MPs are ok as i have found.Councillors definitely are.

Contact.--

http://www.writetothem.com/

 

Grasping,but i admire you for trying.

Support for you is here.Anytime just shout.

Tawnyowl.

Edited by tawnyowl
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Ok rockrover- The ombudsman it is.Well done for carrying it through.

Only other option i suppose would be the Post Office,if anywhere near.

How nice to live in a rural area.The sound of birds,the dawn chorus,tractors,sheep,migrating birds,rivers,enough said.

I shall retreat now and watch your thread carefully.

Still finding it hard to take that Lloyds sided with Loanspotter.But as said before.

During the PPIlink3.gif fiasco-the banks made decisions.

People then thought sod that this is the wrong decision.

I will go to the F.OS.

With some banks 90% of those decisions were reversed.In the customers favour.

No use i suppose to give the bank one more ring,before posting the complaint.Just for future reference.Try to speak to a supervisor at the bank.

Tell them you are going to the ombudsman.

Support for you is here.Anytime just shout.

Tawnyowl.

 

The FOS told me on the phone that my complaint is with Loanspotter and not Lloyds TSB. Out of curiosity how come your other thread has vanished? The one that linked to this? Only reason I ask is that I had an email notification saying that someone from Loanspotter had replied but when I click on the link it says the whole thread has been deleted.

 

I do have a post office near me (nearer than the bank in fact) I will look into accounts with them thank you :)

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Hi rockyrover

It is linked in a few places,i assure you.

Seen your post below,have a good look round..

http://www.postoffice.co.uk/branch-banking-services

 

Let us see what there is.

I remember having a Cooperative bank account that i could use at the Post Office and machines.Opened easily. Will check that out.

http://www.co-operativebank.co.uk/ Withdrew at counter and deposited.

Ethical finance

 

As a Co-operative business, we strongly believe in ethical values and in putting our money where our mouth is.

Their most basic account for people who have perhaps a weak credit file.

http://www.co-operativebank.co.uk/currentaccounts/cashminder?int_cmp=CA_CA_s-hfyl_cashminder

Just give them a ring,very friendly.Chatted to them for quite a while when i opened one.Talked about many things.

 

I hope i am not putting to much pressure on.

It is entirely up to you what you decide to do

Keeping watch Tawnyowl.

Back in a mo with MP details for you.Just contact their surgery or email them.

Contact here-

http://www.writetothem.com/

 

Thanks for the info DX spotted your PoSt.-oops

Edited by tawnyowl
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One more thing,look up at my post above-i will be adding in a moment

 

 

I will call the disputes team again (third time lucky maybe)....I did ask to speak to a supervisor but that got me nowhere. Will try and be more persistent. It's a fine line, I want them to help so don't want to be too forceful lol.

 

Just looked at post office accounts and not sure it would be suitable for us as my husbands wage gets paid into the bank. Doesn't look like they accept wages etc? Maybe I am looking at it wrongly?

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CO-OP DO ONE WITH A DEBIT CARD ON THEIR SITE

YOU CAN TKE IT OUT NOW.

 

DX

 

opps sri caps

 

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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  • 4 weeks later...

I have just been checking Loan Spotter out again.Some of the reviews.Look at the times when some of the reviews were made.Just in case they get removed i have them stored.See what people say.A MP has now got imformation on these Payday Loan Brokers.Make your own minds up.Check the top review out,copy and paste see what people say.I will say no more.See what the triangle means on the right hand side.

http://www.freeindex.co.uk/profile%28loan-spotter%29_519063.htm

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  • 2 weeks later...

Just had a verrrry long phone call with loanspotter,

and they've agreed to make a full refund .

.... Within 5-7 working days.

 

We'll soon see

 

but while I was in the phone my partner rang the ombudsman

and they have advised him that they are now commencing legal proceedings against this company.

 

It's the 8th call that this one advisor has had today about the company so It looks like things are progressing :) xxxx

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Hi Chocoholic.

The Ombudsman are commencing legal proceedings against this company.

How interesting.We must find out more.Is there any news report on this.Anywhere.

The 8th call one adviser has had against the company.In one day.

They are not the only Payday Loans Broker company that need looking into.

You look around and you know something is seriously wrong with how they have been operating now and maybe going back years.

How many people have not received refunds in the past and now.

One says we process 2000 applications a day at £60 plus 7 days a week.

Can you imagine how big this could be.There may just may be paybacks owed to tens of thousands of people.

Of course unless some go bust first.

Maybe i am getting ahead of myself but something sure is not right.

 

Also let us not forget how much money has and is being made by these worthless Brokers.Who promise the earth and deliver little.

And see what some others have been capable of.

 

http://www.youtube.com/watch?v=LDmVnynhfEA

 

I have taken some part of this post off.I believe it is best to do so for now.I do not want anyone getting in trouble

through what i write.Let us see what the investigation comes up with.And try to find out more.

.

Edited by tawnyowl
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  • 5 months later...
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