Jump to content


  • Tweets

  • Posts

    • 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.
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

Capquest for Santander - still demanding moneyy my late husbands debt **ACC CLOSED**


Hilda444
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2575 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I just wanted some advice please.

My husband passed away 2 months ago. He had an old santander card which was taken over by capquest.

I wrote and told them what had happened and sent a copy of the death certificate.

I received a letter from capquest today addressed to my dead husband saying they are sorry for the delay and are waiting for santander to get back to them and they will contact him soon.

I am so angry and upset I just want to know who I can complain to. I am going to write to capquest and send the original letter to santander and I also though the fca?

Just wanted to see if there was anyone else I should write to or if anyone has had anything similar happen.

It's been a struggle to come to terms with my husband's death, it was sudden and completely unexpected.

I know dca's are the lowest but this has upset me so much.

Thanks

H

Link to post
Share on other sites

Guest Mrs Hobbit

Firstly, please accept my condolences. No death is easy to deal with, and then to get a letter like this just makes it harder.

 

I would send the letter back, write on the envelope it came in Mr X now deceased. this happened to me, and as husband was buried at sea, i sent them the latitude and longditude of his burial as his forwarding address. I had notified all our creditors of his passing with a copy of his death certificate; one firm did not action this and kept sending me letters addressed to him, so i just sent them back with the details of his burial as a forwarding address for them.

 

Santander are the pits to deal with in this situation. they are supposed to have dedicated Bereavment Team, but if Capquest are the DCA's I would just return the letters to them. Seal the letter back up and send it back. Reporting it might be cathartic for you, but nothing will be acheived apart from a slap on the wrist with a wet bus ticket if at all.

 

Santander do not have a joined up computer system so left hand does not know what right hand is doing.

 

Is the card debt SB? Of course if the debt was husband's only they could chase for repayment out of his Estate. if it is SB and old debt, it's a different game.

Link to post
Share on other sites

Hi, I just wanted some advice please.

My husband passed away 2 months ago. He had an old santander card which was taken over by capquest.

I wrote and told them what had happened and sent a copy of the death certificate.

I received a letter from capquest today addressed to my dead husband saying they are sorry for the delay and are waiting for santander to get back to them and they will contact him soon.

I am so angry and upset I just want to know who I can complain to. I am going to write to capquest and send the original letter to santander and I also though the fca?

Just wanted to see if there was anyone else I should write to or if anyone has had anything similar happen.

It's been a struggle to come to terms with my husband's death, it was sudden and completely unexpected.

I know dca's are the lowest but this has upset me so much.

Thanks

H

 

I can see this is upsetting. Capquest may just be chasing the debt for Santander, so i would suggest you send a formal complaint to Santander head office addressed to their Chief Executive.

 

If the card was in his sole name, there is not much that Capquest or Santander can do about this debt. Perhaps a complaint might lead to Santander just writing it off.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks for the replies. It was in his name only and he was paying a token amount each month. My original letter told them there was basically no money/estate left by him.

I will send a formal complaint to the head office with a copy of the original letter. If nothing else at least I will feel as though I'm doing something.

Thanks again

H

Link to post
Share on other sites

roup

 

 

Mr Nathan Bostock Chief Executive

 

Email [email protected]

 

Telephone 0800 171 2171

Website http://www.santander.co.uk

Social Media T F

 

Postal Address 2 Triton Square, Regent's Place, London, NW1 3ANM

Company Number 02294747C

Company Status Active (Established 12/09/1988)

 

See also Customer Services for Santander Group

Companies House data for UK companies from 02294740 to 02294749

 

 

Related lists UK Companies

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Capquest

 

Ms Helen Ashton CEO

 

Email [email protected]

 

Telephone 01252 576371

Website http://www.capquest.co.uk

 

See also Customer Services for Capquest

 

Related lists UK Companies

 

Advice from CEOemail.com Hints and Tips on how to write your email to the CEO

 

 

get onto them as Capquest should of not come back to you - under the circumstances they should of just passed back to Santander with evidence and left it at that, complain complain

:mad2::-x:jaw::sad:
Link to post
Share on other sites

slightly retitled

moved to Santander forum and tweeted to them too

 

 

disgusting!!

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... 

Link to post
Share on other sites

Yes :) Its been tweeted for you.

 

If i may add, I'm so sorry for your loss. Its very sad when we lose one so close.

Technically any sole debts owed by him would normally die with the estate etc (Be paid out of what's left - If there isnt anything left after funeral costs etc - Then you cant be expected to cover them)

 

We did once have a case with Santander who dealt with Phillips Cohen and co. They were rapidly sent packing.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Email to Helen Ashton sent back as address not found. After looking around I'm wondering if the CEO of arrow global would be the one to write to as they own capquest??. Will look into it a bit more and send tomorrow

H

Link to post
Share on other sites

Hi, received a response from santander who are investigating.

Apparently arrows ceo is Lee Rochford. Can't seem to find contact details so will email capquest and probably send a letter to arrow.

Thanks for your help everyone

H

Link to post
Share on other sites

  • 3 weeks later...

Hi,

Just wanted to say thanks for your help and support.

Santander and capquest both apologized and the account is now closed.

 

Really appreciate all the help and advice from you all

 

Best wishes

H

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...