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    • 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?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Data Protection v Debt Recovery


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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

dx100uk:cool:

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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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

 

Here;s some interesting info - FV1's registered address appears to be 25 Cabot Square in London...What's HSBC's address, I bet in somewhere very nearby? FV-1 are not a limited company and their agents are NCO europe...DONT phone NCO, they are rude, aggressive and nasty...I'm going to dig around some more re FV-1 cos something's not right here...

Just hate every DCA out there

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

 

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

 

dx100uk:cool:

 

This is the letter I'm about to fire off to NCO Europe...What do you think?

 

24th February 2007

Ref/acc no:

To Whom It May Concern,

 

The first thing I am going to tell you is; I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. The second thing I am going to tell you is; THIS ACCOUNT IS IN DISPUTE….There, hopefully you can understand that.

Without going into too many details of the acts you will be breaking, let alone guidelines, if you attempt to try - I would like to inform you that I am fully aware that you cannot attempt to collect any alleged monies that your client claims I owe whilst this alleged debt remains in dispute.

Until this dispute is resolved with HSBC initially, then I will be have no dealings with NCO. Once my original dispute is resolved I will then be dealing with FV-1 and FV-1 only. Once they legally prove they are entitled to collect any monies from me, I will have further legal avenues to pursue with FV-1 and FV-1 ONLY re this alleged debt. I find it interesting that FV-1 are not a limited company and their registered address (Cabot Square- London) will need a personal visit to verify their existence.

Forthwith, if you attempt to make ANY further contact with me, I will consider NCO in breach of the many legislations that in in place to protect the general public. Consequently, I will file a complaint to the OFT and my Local Trading Standards Office against you. NCO Europe has a diabolic and shambolic reputation, and are very well known for the ‘bully-boy’ tactics they try to employ. This will not work with me, so please do not attempt to try. You may be able to fleece those less ‘clued-up’ than myself, but I will not lie down and pamper to your aggressive, illegal scare tactics.

 

Kind Regards

Just hate every DCA out there

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

  • Haha 1

:cool: sunbathing in juan les pins de temps en temps

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

 

Mmmm, wonder if they'll set up their own website---wonder what domain they'll use :lol::lol::lol:

Just hate every DCA out there

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