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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. 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.
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Blemain Finance reclaiming **WON**


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Hi there.

I want some advice on what to do next and will start from the very beginning so that I have all the details in the right order.

 

Over a month ago my Dad and myself worked with companies that can help you claim back PPI,

we went with different companies and never heard anything back.

 

I only have a credit card but my Dad and my Mum (who has passsed on) had a lot of loans and a mortgage about 17 years ago.

 

This was cleared off in 2009 and the loan was with Blemain Finance.

 

my Dad had a lot more than me.

Unfortunately about 3 weeks ago my Dad had an accident which required him to be in hospital for just under 3 weeks

 

about a week into his time in hospital my sister got a letter that was addressed to my Dad but it was her address on the letter and she said in this letter there was a lot of charges and money owed back to my Dad.

 

One was over £200 and then there was another sum of over £300 so altogether it was over £500.

 

I mentioned the name Blemain Finance because for years I know my parents paid them for the loan they had for the mortgage, it's the first name that came to mind and my sister said yes.

Unfortunately my sister cannot find that letter now but is still looking to try and find it.

 

I don't want my Dad to lose out on this letter

I called the PPI company that was in charge of his claim and they said they knew nothing about it,

they had heard no word from anyone and they actually never contacted Blemain Finance so they can't explain it at all.

 

They just advised to wait and perhaps another letter would be sent out and whatever letter or offer was sent would be sent to my Dad, they said they wouldn't know about any kind of offer that was offered.

 

I then asked for advice on another forum and a kind member of that forum directed me to here because I have no way of contacting Blemain Finance directly and I can see on this forum that other people are having this same trouble too.

 

I can only go from memory,

I'm sure the Bank of Scotland/Halifax were involved in the mortgage too,

I think in 2009 a good 18,000 was owed and paid to them.

 

My parents sold their house and I know that £18,000 was paid to clear the debt with Blemain Finance.

 

I've no idea what was paid over the years.

My Dad says it was a good 17 years all in.

 

Can anyone advise me on the best steps to take from now on?

My sister did say yes it said Blemain Finance on the letter but obviously I never seen the actual letter, it could have been another company acting on their behalf.

 

Also bare in mind that the debt was cleared in 2009,

the £18,000 was paid but I've no idea the total paid for all those years prior

 

The offer was over £500 but with all that money paid to them and some of the horror stories I've read on here I can't help but feel that there could be a lot more owed to my Dad.

 

What would be the best course of action for my Dad to take to not only see about the £500+ owed but to see if that sum is actually right and if more money is owed to him.

 

If anyone can give me advice on what to do and how to do it I would be very grateful.

 

The only thing I can't explain is how the letter was sent to my sister's address.

What can we do to not only contact them but to see if over those 17 years and what my parent's paid and if there is anything owed back to my Dad? Thanks :)

Edited by scottishbloke17
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Sar blemain

 

Would have been a second mortgage or a secured loan

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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It says on that page the SAR always goes to the original creditor

but I can't get a contact address for Blemain Finance

and I don't know how other people have contact with them.

 

 

How would I find out what the correct contact details for Blemain Finance are in 2017?

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Blemain changed its name about a year ago its now called Together Finance

the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW.

 

you need to look carefully at the charges and fees that they most definitely will have added.

 

 

Mortgages are usually with their sister company Cheshire Mortgage Corporation,

but with this company anything is possible be carefull with them and don't believe everything they tell you.

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Hi there guys,

I've not been able to get online the past few days hence not replying.

 

Can you give me some more help please?

 

Do I mention Blemain Finance at all on the address on the envelope or the letter or is it just

 

Together Finance

Lake View

Lakeside

Cheadle

Cheshire

SK8 3GW

 

Is the £10 Postal Order I include to be blank and not signed by my Dad?

 

When my Dad had dealings with Blemain Finance it was at our previous address.

 

Where in the SAR would I mention that and how would I word that?

Thanks!

 

Also the Council Tax letter my Dad has, would it be the original letter sent along with the SAR or would it be a photocopy?

 

And it says on the SAR help page that if you have to SAR a DCA to send a blank postal order but what would I do with Blemain Finance if they are now Together Money?

 

Do I send a postal order?

 

Does my Dad sign or leave it blank since the company name is different now?

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only ever copies

 

its not going to a dca so...

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 he signs the PO.:-D

 

Do i just mention in the letter that we have stayed at a previous address?

We have only been at the current address for 3 years

but I don't know how to word it in the letter

because everything my Dad dealt with with Blemain was all done at the previous address.

 

Also on the SAR template it says account/ref number but we no longer have those details? Do we need them or should I delete that part of the letter?

 

And since we no longer have those details should this part be kept in the letter?

 

Please note that this Subject Access Request is not limited to the account/reference number mentioned above but that number has been provided purely as a starting reference for you.

Edited by scottishbloke17
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you send the sar as if its from your dad

 

 

to the address you've been given

simply state in one top line that he was resident at the address

but now lives at ..and include the currect ctax bill copy.

 

 

no need to put any account numbers.

 

 

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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so you wan them to reply to the old address??

  • Confused 1

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

You only need free proof of posting

Can go 2nd class if you wish

 

You can get pop at the counter when you get and put the po in the envelope with the sar

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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Will do! Tomorrow morning we will get the PO, he will sign it and will get it posted.

 

 

Do you think there will be a fight on our hands to get any money owed? I'm assuming THEY HAVE to give my Dad those documents. We will be persistant with them.

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SAR is a LEGAL REQUEST.

 

 

you sign both the SAR and the PO

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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Don't worry about it

Just put banks name

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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Where abouts do you put his info?

There is nothing onew the front for you to write and the only info on the back is if you want to make a charitable donation.

Nowhere for my dad to signew.

 

The woman at the post office said you don't sign a postal order but she put the company name on the front of it, there is a small white strip at the bottom of the front and back which says no writings or markings in there. There is space for a name and address at the back but it is for a gift aid declaration.

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Yes the PO will be fine unsigned.

Yr dads current address goes top right hand corner and you reference the old address in the first line of the SAR after Dear Sir.

Copy of CTax bill from current address to go with it.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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  • 2 weeks later...

hi there scottishbloke17 )

please make sure you also CLAIM for other refunds such as

undisclosed commision fees and for letters , calls and errors of 50 pound a time for payments 2 days late as they charge even before a wk a payment is late,

 

make sure when you receive the breakdown from together it has all these on which i am writing for you hun )

 

also for computer interest payment wrong

its hard to explain that one

but in court recently someone won on this grounds ok against blemain finance.

 

It is something to do with recalculation

the judge sided with the customer of blemain as blemain blamed their computers.

 

Im sorry i cant remember which case it was,

if you read a lot of blemain cases in court you will find it.

Also this will help you see so many other things you may claim for.

 

goodluck There are many reasons for you to do a claim unless together now re emburse you with out the stress,

sadly my case has been utter hell with blemain so i turned to the court for judge to help.

 

If together are rude

if you have to speak to them by phone,

 

please ask to be put through to customer relations team ok,

 

when dealing with sensitive things you need support and be heard

 

i do wish you well and things be easy for you if no joy do claim court as they will hear you indeed.

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