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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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    • 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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Stopping Payments to Stepchange and going it "alone"


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these agreements are from 20 years ago

 

the chances of obtaining the original agreements /t&cs are next to zero

 

save yourself £45 per month

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Thanks for the reply.

 

The problem being though, they are reporting this as AR. If I stop/reduce payments, these markers will show for the rest of my life. So I need to try and get the markers removed as I have done already elsewhere. If/once this is done, I can stop the payments. I just can't see them agreeing to anything, if I suddenly stop payments.

- BlondieGirl

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  • 2 weeks later...

Barclaycard put AR/AP markers on for a credit card 8 years ago.

 

 

The account never actually defaulted

 

 

when i challenged this

 

 

Barclaycard told me these markers did not put me in a more disadvantaged place

rather than someone who made no effort to pay.

 

 

so i gave up.

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AP markers never go away and can be seen for upto 6 yrs in the account history.

 

 

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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What's AP/AR markers?

 

It's probably something obvious but I can't remember seeing this mentioned before.

 

It's been a while since I heard anything on a thread that I subscribed to on here!

 

arrangement to pay

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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These AP markers are so damaging.

 

 

For a debt which was run up in my 20's,

they can be reported on until nearing retirement.

Hardly fair when someone is trying to pay debts off rather than declare themselves bankrupt

and it means we can do nothing which requires any credit check (including never being able to move!!!!).

 

 

It is a load of rubbish to say that it shows a debtor is doing the responsible thing,

it may not affect credit etc which I have read about.

 

 

They are as bad as a DF, but stay for much longer.

 

 

Anyway, following a letter and subsequent phonecalls,

Barclaycard have removed them from my credit file :-D they have gone!!!

 

 

So they can be removed, depending on who the OC is.

 

 

Barclaycard called me within 24 hours of receiving my letter;

on the other hand,

MBNA have written to say that they've assigned my complaint to someone

and hope to contact me again by mid-December.

Not such a great response.

- BlondieGirl

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Barclaycard put AR/AP markers on for a credit card 8 years ago.

 

 

The account never actually defaulted

 

 

when i challenged this

 

 

Barclaycard told me these markers did not put me in a more disadvantaged place

rather than someone who made no effort to pay.

 

 

so i gave up.

 

Are the AP/AR markers still showing?

- BlondieGirl

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I have started to receive lots of paperwork following my SAR. Quick question! Although I'm not sure there's an actual answer. An awful lot of it is in 'code', different formats and abbreviated which would mean something to the OC but not to me. Any pointers as to where I should start looking and what I should do with all these reams of paper? Thanks.

- BlondieGirl

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scan up sar narrative minus pers details and any interesting/ important docs

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 1 month later...

Rather than go through rubbish Stepchange,

I intend to leave Stepchange and make payments to creditors ourselves.

 

 

But, will making these individual payments hinder our possible mortgage application in a few years??

 

If we start making eg, £1 payments to a creditor, these will show on our bank account.

 

 

If a mortgage provider scrutinises our account and sees payments like this to creditors, will it ring alarm bells/raise questions?

 

 

Some of these debts have vanished from our credit report and I was just hoping that they stay hidden.

 

Thank you for any advice offered :-)

- BlondieGirl

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By the time you apply for a mortgage, will these debts be repaid ?

 

At the present time, lenders are looking for at least 2-3 years with a good credit history before parting with any loans !

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, thanks for the reply. No, these debts won't be paid off for a long time.

 

 

However, they're not all showing on our credit file.

I don't necessarily think we will want to borrow more,

we may have to accept renting a bigger house and changing our mortgage to a buy-to-let type loan

and rent our house out because I don't want to sell.

 

We got into this trouble in our 20's when we were living in a small house.

 

 

Now in our 40's with 2 kids in our small house, we need to move.

 

 

The only possible way we can do this, is to rent a larger house because I don't believe we'll get a bigger mortgage.

 

Thanks :0)

- BlondieGirl

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Ah righto, well I don't actually see you having any problems coming away from stepchange.

 

If you have a lot of debts, then you will need to be organised - keep each "creditor/Debt" in a separate file. I designed a spread sheet for when I was dealing with ours in order to keep track of payments/letter sent/received etc. It made life a lot easier.

 

You will need an up to date statement for all your creditors from Step Change before you start dealing with your creditors. Then take it from there.

 

Have you done all the reclaiming of charges/ppi and checking the agreements, etc ?

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, I have been attempting to sort our credit files out for a long time.

I assumed that if my bank looks at our account if we try and change the mortgage

and see payments to CCCS/OCs they will know about all the debts

(which aren't showing on our credit file).

 

I have posted on this site under separate debts and so far,

I have written to each creditor.

Some have agreed in writing that that the debts aren't enforceable (I intend to pay them £1 a month).

 

 

Some have sent copies of the signed agreement to me (MBNA).

I have sent SARs and have a mountain of paperwork for each account in reply.

 

I wrote to Barclaycard who actually agreed to remove my account on my credit file (yipee)

and I now have a battle with MBNA to do the same.

 

 

They have declined and report that each account is in arrears.

I have written to them to say that I actually have broken the arrangement with them (I couldn't afford what they stated I had to pay)

, which would place the account in DF.

 

 

I have also said that they can DF me after a time of being in arrears.

They'll be reporting on me being in arrears forever more which is not helping!!

 

I basically have to:

* post a copy of these signed agreements to my separate threads to see if they're enforceable;

* try and make sense of the jumbled coded info that they've sent following SARs;

* reply to MBNA to state that I disagree with the decision to not DF me

* write to the ICO about MBNA and the way in which they report me as being in arrears when I have broken the terms of the arrangement

 

It's so stressful lol!!

- BlondieGirl

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MBNA are probably one of the worse for not reporting to credit files - I think whilst you are paying them even £1.00 they will continue in this manner. It makes a mockery of the system IMHO.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well, if by some miracle, I can get our credit reports changed like I did with Barclaycard, does anyone know if a mortgagelink3.gif provider will scrutinises a bank account and see payments like this to creditors/CCCS, will it ring alarm bells/raise questions?

 

Or is it better to pay them through a bank even if it's a hassle so that it disappears from our bank account as some of the debts have from our credit reports?

- BlondieGirl

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Hi BlondieGirl

 

Information below from Citizens Advice CABmoney on self administering your own debt management plan (including changing from a provider)

 

https://nedcab.cabmoney.org.uk/dmp.asp

 

http://cabmoney.org.uk/

 

Administering your own DMP is becoming much easier and accessible for those who wish and feel confident enough to manage their own plans or have little other choice

 

Creditors should treat you the same if you self-manage or go with a provider with the FCA treating customers fairly initiative (TCF) now coming into play also

 

http://www.fca.org.uk/static/documents/consumer-credit-being-regulated-guide.pdf

 

Hope this helps some

 

Best Wishes

 

W

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Hi W, thanks. We've been on a plan for over 6 years so I know how to do it :0)

 

I am trying to find out if it will harm us if our bank account shows (albeit small) payments to credit card companies/DCAs (as opposed to a monthly payment to Stepchange) if we were trying to change a mortgage. Most of the debts have now dropped off our credit report so a mortgage provider won't see them. I'm not sure if they'll question every entry on a bank statement hence my question.

- BlondieGirl

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get yourself an additional basic bank ac and make the payments from there just to be cautious

 

certain companies offer bTL mortgages with little/no scrutiny

 

they are basically a business loan, subject to LTV and rental assessment

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thank you theoldrouge. I will sort out a basic a/c somewhere and pay some cash into it.

 

I haven't looked into btl mortgages in any great detail so that's good to know we may be eligible for one. The ltv would be pretty good because we now have quite a lot of equity and renting it out wouldn't be a problem either. The future might be looking up after all lol (except for the flippin arrears markers with MBNA)

- BlondieGirl

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