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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. 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. Can a PPC (claimant) 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.
    • 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.
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1st credit and old HFC Loan


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hi wonder if some body can help with this

I have CCA 1 credit this was not in the information was not in there so l emailed them the other day see below

Hi

 

Thankyou for some of the information l requested

 

I also require you to supply me with a copy of the deed or notice of assignment for this account.

 

this is their reply

 

 

1st Credit Reference :

Original Creditor : HFC Bank Ltd 2003 loan unsecured

Your Balance : £

 

Dear

 

Thank you for contacting 1st Credit.

 

With regards to your request for a copy of the Deed of Assignment, we would refer you to Section 136 of the Law of Property Act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the Deed itself.

 

A Notice of Assignment was sent to you to inform you of this purchase in accordance with Section 136 of the Law of Property Act 1925.

 

Please note your arrangement for £00.00 per month remains in place.

 

If you are unable to make the agreed instalment please contact us prior to your agreed repayment date so that we can agree a solution. Doing so will assist us in preventing further collection activity which could include letters, telephone calls, SMS and emails.

 

If you are experiencing financial difficulties, you can receive free independent debt advice by contacting one of the following organisations:

 

 

Do they own the debt or not are they calling my bluff so l will carry on paying them through my DMP company

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They do not to provide sight of any deed of assignment it is an agreement between the new owner and the original creditor and nothing to do with the debtor.

 

They do however have to send a notice of assignment under the aforementioned section, this is a document informing the debtor that an assignment has taken place., it can be sent by either of the contracting parties

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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why did you send that ?

 

are 1st credit chasing you

 

tell us the full story please

 

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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Have cca 1 st credit and SAR HSBC (HFC) and there was no notice of assignment sent in the paperwork , HSBC in the paperwork they sent me they did query between their depts if they needed to buy back the loan and their answer was no

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ok so why are questionin the legality of the loan with 1st credit

 

are they chasing you

is this debt on your credit file

when was your last payment

 

99% of HFC loans from 2003 will or should be dead and buried by now.

 

they were always vastly inflated with every penalty fee and insurance under the sun anyway.

sort you prob owe nowt.

 

the history please

and answer the above questions too

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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No they are not chasing me as l have been paying debt through my Dmp since 2009

they are tell me to carry on paying through my Dmp

 

We have done a CCA and found that the loan is not on my credit file

 

My late payment was 1 feb by my DMP

l m am trying to find out if 1 credit have the rights of legality of the loan

as they were not following a good practise in 2009

eg OFT imposes requirements on 1st Credit over debt collection practices

 

HFC loan taken out in 2003

have SAR HSBC again as l lost some of the paperwork

-as l need to look into as the loan paperwork .

 

 

the paperwork was change to joint and a strangers name was put on the loan

but the loan was just in my name

l have PPI and received the money

 

What you put below HFC/HSBC l have not told about this

 

99% of HFC loans from 2003 will or should be dead and buried by now.

they were always vastly inflated with every penalty fee and insurance under the sun anyway.

sort you prob owe nowt.

Edited by fkofilee
Tidy Up - FKO
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I have had a tidy up of your post. So you're paying through a DMP and youve tried sending a CCA Request.

Did you send the required £1 PO and did they send anything back?

 

HFC should be D&B like DX said, 13 years later and youre still making payments.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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whos the DMP with please>

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

so you've dumped them

ifnot do so

and get back the little full & final pot they have secretly been stashing away supposedly to offer your creditors a short settlement.

I expect very little of your payments have been getting through

most of the payments made to fee paying companies end up in fees.

how many others debts are you paying thru them?

 

 

D&B I assume is dead and buried.

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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Thank for you help will cancel the DMP tomorrow as this is the only one left on it as l cca all the rest and they sent letters back saying the loans were closed and they would not be chasing then , 1 st credit has been the only one still requesting the loan to be pay back

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sar to HFC

sar to B&E

 

 

reclaiming time!!

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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Can somebody tell which company owns the debt ? 1 credit or 1st Credit (Finance) Ltd

l asked for the notice of assignment and this is the letter the letter l was sent

Dear Sir / Madam dated 05/07/2007

 

Re Your agreement with HFC Bank Ltd

Relating to Account Number:

Balance Outstanding:

 

We write to introduce 1st Credit Ltd to you.

 

HFC Bank Ltd has assigned to 1st Credit (Finance) Ltd the full outstanding balance due under the agreement referred to above.

 

 

As a result of this assignment, the full amount outstanding is due to 1st Credit (Finance) Ltd immediately.

 

As the outstanding balance is owed to 1st Credit (Finance) Ltd you should not make any payments to HFC Bank Ltd

as it will take significantly longer to process the payment onto your account.

 

 

To discharge your outstanding balance,

you now need to make payment direct to the appointed servicing agent 1st Credit (Finance) Ltd at the above address.

 

 

We ask you to contact this office immediately so we can agree payment terms with you.

 

 

Failure on your part to do this will result in more formal recovery proceedings being taken against you

 

 

In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system.

 

 

Send your request, along with the administration fee of £10.00 and a self addressed envelope to the above address.

 

Please contact us on your reference is

PLEASE DO NOT IGNORE THIS LETTER.

We look forward to hearing from you.

Yours faithfully

 

On behalf of 1st Credit Ltd

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threads merged

 

 

so did you send them a CCA request?

 

 

who owns the debt is really immaterial

 

 

its been sold

whomever you are paying must hold an enforceable agreement

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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Yes l have CCA

 

 

l am trying to find out information on the company to whom owns the debt ?

 

 

First Credit (Finance) Ltd had the loan first and now 1 credit ltd has it,

 

 

the companies both have individual Registered No

 

what does an enforceable agreement look like

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1st credit gets the CCA request

and are the owners

don't worry about silly name changes all the same group.

 

 

there are plenty of HFC loan threads here to read up on regarding things like enforceability

 

 

self help is the key to using CAG too!

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

when if you get it scan it up too

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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