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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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Arnold Clark Problems...


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Hi!

 

Im new here and I wish I had found this website sooner!

 

My story goes back to the start of this year. I had found a full time job in October 2009 which I needed to fund the running of a car.

 

The job had a 3 month probation period which I passed with no problems what so ever, the week before my probation was due to expire I started looking around for a car. Fortunately, where I live there are 3 Arnold Clarks within 2 minutes of each other.

 

To cut a long story short, I had found the car I wanted and started to speak with the salesman, who was very helpfull/proffesional to an extent. The total sum of the car and warranty plan was £5825. I had to pay £100 deposit to "see" the car as it wasn't at that branch. All paper work was carried out and signed and I was promised a call back regarding the outcome of the finance application. 2 days later I received a voicemail from the salesman to inform me that finance was accepted without any problems, just had to wait on the car.

 

This is where it goes down hill. 1 week has passed, no sign of the car, give them a call back and they say that there is a delay in getting cars shipped down. 2 weeks have passed, still no sign of the car (Getting impatient by this point). Call them again and they said the guy who runs the depot isnt pulling his weight and orders are still delayed.

 

By week 3 I decide that Ive had enough and I go in and ask them to cancel the order and put the deposit on another car with the same warranty which made the car the exact same price as before. I wait another week, still no sign of the car and I get a phone call from Arnold Clark to say that finance has been declined because I had applied already, they reapplied me for a 6K loan again!. :-x Even though the car was the exact same make/model/price.

 

I decide to cancel the order and get my £100 back. I then ask what the hold up was and they said that on the 1st order, they advised that the car was waiting to be dispatched from a lease company to Arnold Clark. :-x That basically tells me that I had paid a £100 deposit and applied for finance for a car that Arnold Clark didnt even own yet (Is this legal). I just left it at that and thanked the salesman for all his help.

 

I then go to have a look at my credit expert report and my heart sank, my report was destroyed, Arnold clark had caused 7 searches, all for the same amount within 1 month. As you can imagine, this can destroy your credit rating.

 

I feel as if I have been let down badly by such a "big" company, and by the end of it all, I was accpeted for finance the first time on a car they didnt own and then declined the 2nd time because they re-applied for the same amount.

 

Sorry if I kept ranting! I have written 2 letters (Full A4) only to receive a few lines back from the branch manager saying that nothing can be done about it and that each car taken on finance has to be applied for.

 

My main problem here is the fact that I cant apply for credit anywhere for at least a few years now! I am still young and will be looking at renting/mortgages shortly and this isnt going to be any fun :(

 

I thank anyone in advance who can shed some light on what my options are for this nightmare!

 

Cheers! :D

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Hello and Welcome, LB89.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks, wasnt too sure where to post as im a "Newbie" so thought this would be the best section, as I live in Scotland!

 

Cheers though!

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Trading Standards first, then if no joy, the local papers.

Can you tell us roughly, what general area in Scotland you are from. I ask this as I may be able to tell you who in TS to contact. Fife and Perth TS already have complaints lodged on Arnold Shark. Maybe "Raw Deal" in the Sunday Post would help---it's only a few weeks ago that they did a sizeable article on this diabolical company.

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The Arnold Clark in question is the Ford branch in Greenock. I just feel as if they are taking you for granted. Im waiting for Credit Expert to get back to me about the searches on my credit report regarding this matter.

 

Cheers! :D

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Guest Arnold Clark Company Rep

Hi, I have read your post, and would like to help if I can, I would be grateful if you could contact me on [email protected] - and if there is anything I can do to assist I would be happy to try.

 

Kind Regards

 

Alasdair

Arnold Clark Customer Services

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LB89, hope your not in a hurry for help from Alisdair Craig. I reported my problem to him several months ago, and despite email confirmation that he would look into it with a "senior" person, I have heard Nothing since.

I think they are playing "Childish" as they probably found out that I had been to Trading Standards.

I hold a shared opinion that some senior employees of AC will not deal with anyone who has an ounce of intellect in their body.

All this, and my complaints were relatively minor compared to yours.

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Who did they get you finance with the first time?

 

Unfortunately Arnold Clark may be large in terms of acreage but with a backstreet attitude in terms of service.

You can bet your life that the finance they got was with a very high interest company such as 'Yes'.

 

It seems as if they have conned you into paying to transport a car to their Greenock branch. You can reject the car under the Distance Selling Regulations anyway as soon as you see it and they then have 30 days to refund any money paid.

 

I would take no more nonsense from them, take or send a letter cancelling the order again and give them 7 days to refund your deposit. Tell them that if the funds aren't returned within the 7 days, you will issue a small claims summons without further notice.

 

You can email the same to Alastair as well.

Edited by Conniff
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Guest Arnold Clark Company Rep

Scaniaman, I'm sorry if I have let you down, but as I do not know your details I can't make any comment - I would like to try to make things better if you contact me?

 

Alasdair

Arnold Clark

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Scaniaman, I'm sorry if I have let you down, but as I do not know your details I can't make any comment - I would like to try to make things better if you contact me?

 

Alasdair

Arnold Clark

Get Scott Wilson (general manager?????????) to check his emails and all shall be revealed. He says mine come through on spam???

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Conniff, re your post 9# Finance. Maybe not always the case. I told them the apr i was prepared too pay and they got me finance at that rate.

Problems only arose when faults developed on the car and i contacted the finance co. (santander) Then i realised i had not been sold normal HP, but something i had never heard of before called a "Motor Loan". I thought this was just a new name for HP since many old terms are now defunct and replaced with something trendy ( in the younger generations eyes).

It transpired that this Motor Loan was in fact a personal loan, and santander didn't want to know of my problems, as long as the payments were being met. EVENTUALLY, santander wrote me and said they had no interest in the goods purchased, yet they called it a motor loan. Wonder if they would have repossed the car if payments not met. It happened to a woman, as reported in last weeks paper, but i don't know exactly what loan she had.

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Guest Arnold Clark Company Rep

Scaniaman - I can by all means get e-mails checked, but in order to have anything revealed, I still need to know who you are. Therefore, can you email me on [email protected] , with your personal details and car reg etc and I can look into it?

 

Alasdair

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Scaniaman - I can by all means get e-mails checked, but in order to have anything revealed, I still need to know who you are. Therefore, can you email me on [email protected] , with your personal details and car reg etc and I can look into it?

 

Alasdair

 

What a load of rubbish Alasdair.

 

From this forum alone it is obvious that AC have serious customer relations problems in their efforts to maximise sales and profit at the expense of customer service or their best interests. Whilst it is natural that a company should be encouraged to expand I have to say that the Sir Arnold Clark might have got his strategy seriously wrong. Yes he might have got a customer service award but I would alledge this is based on the companys advertising spend, something necessary of course but it still doesn't detract that the board of management seem to be disconnected from the way the customer works.

 

For example, you have the balls to come on here and say tell me your problems, which when happens you don't and secondly this just confirms that you think by posting a pathetic response such as contact me will suffice.

 

I refer to a previous thread where you were challenged to sort an issue out . You have made to the best of my knowledge, no attempt to do this which involved basic checks which should have been carried out in the first place.

 

Ulimatly the problem is that AC need to review the way their sales people operate and get some qualified and switched on people in aftersales.The big problem will be in recruiting these same said people as those in the know don't work for peanuts which is what I'm told AC pay unless you are a sales person.

 

AC seriously need to get their act together.

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Wow Mr. Heliosuk, you sure have hit the nail on the heid. I for one wouldnae work for AC, especially in the workshop. Why? Some of their "General Managers" admit that they have little or no technical knowledge, and one was so ignorant as to suggest that in their position, they did not need it.

What then would be the position, if say, their was a disagreement between workshop staff on a mechanical or technical matter? How could the GM arbitrate if he knows jack all about the product that they sell.

It is an absolute disgrace that people with so little product knowledge should be in a position to take up to £20,000+ from the car buying punters.

Today, cars are not the relatively simple things they used to be. Modern technology requires that all those concerned in the retail side of the industry be fully trained and knowledgable, complete with the appropriate certificates. Retail car sales is the only job i know of where a complete dunderheid in a suit is allowed to operate. (say perhaps politicians).

Noo then, lets be perfectly clear about whats gaun on here. All the clark mob are daen is to play on the vulernability of the average punter. Only the ones with some savy will have found this website. There are thousands of happy clark customers, but i pit it tae you that theres a heck of a lot who are happy in their ignorance of whats really gaun on.

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I believe that it was accepted by Barclays Partner Finance. I have received my £100 refund without delay. Just as well I did or that wouldve been even more hassle!

 

I have had my new car for 4 months now and not a problem with the car so far! I got this from an independant dealer (McMillan Motors in Greenock), and would high recommend them!

 

Im going to send an email of to Alasdair and see if he can resolve anything or get an answer but all I need is for my credit report to be fixed. What can I do to get these entries removed as I beleive they shouldnt be there.

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Conniff, re your post 9# Finance. Maybe not always the case. I told them the apr i was prepared too pay and they got me finance at that rate.

Problems only arose when faults developed on the car and i contacted the finance co. (santander) Then i realised i had not been sold normal HP, but something i had never heard of before called a "Motor Loan". I thought this was just a new name for HP since many old terms are now defunct and replaced with something trendy ( in the younger generations eyes).

It transpired that this Motor Loan was in fact a personal loan, and santander didn't want to know of my problems, as long as the payments were being met. EVENTUALLY, santander wrote me and said they had no interest in the goods purchased, yet they called it a motor loan. Wonder if they would have repossed the car if payments not met. It happened to a woman, as reported in last weeks paper, but i don't know exactly what loan she had.

 

friend has just discovered the same problem...started looking at doing a VT on a car from Arnold Clark only to discover is was not HP as asked for but personal loan (even though the lay out looks just like HP).

 

AND turns out the finance co has registered oustanding finance on the car! They cannot have it both ways!

 

Apologies for jumping in...glad you got your deposit back and hope your credit file gets sorted LB89, and will start a thread on this....just clear this was not a one off :mad:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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I have emailed Alasdair, waiting to hear back from him now. He has emailed back already asking what branch this occured at but there has been no reply now for 2 days. Will see how that goes!

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I can see nothing in your posts that made 7 searches on your credit file anywhere near necessary....there is the SLOW route to the Information Commissioners (you should complain anyway), inform Consumer Direct (the more complaints logged about arnold clark the better)

 

But a recorded delivery letter telling them to remove the negative entries or you will take court action is the most forceful way.

 

This case makes interesting reading and gives you an idea why you should document everything by letter and back yourself up to the hilt:

 

RICHARD DURKIN v. DGS RETAIL LIMITED+HFC BANK PLC, 26 March 2008, Sheriff J K Tierney

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Yes, and i say again, it's not only the VT problem that a personal loan overcomes, it's also FAULTY CARS!!!!"!

In fairness to the salesman, i did not specifically ask for HP, just told him the APR, and said that i might be coming into a bit of money before the agreement concluded so i would want to pay it off without any hassle or large termination fees. But it was the term "Motor Loan" that got me---how can it be a motor loan if it's a personal loan?

 

Thanks to this site, i have had a call from Mr. Craig, but don't know how long it will take to review my complaints. Thankfully, (time wise????)my problems are somewhat less than BP's. Maybe have to get Mr. Obama on my case!!!!

Edited by scaniaman
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scaniaman, I beleive that a motor loan as a restricted credit line (i.e provided for one purpose only, the car) with the money paid directly to the garage means that the dealer and finance company share joint and several liability under soga and the CCA sect 74( i think) regardless of HP or not and dont let them tell you otherwise. Although i dont know the case details this has been proven and is why they record the car details. Not got a copy ot the CCA to hand but beleive its a clear case of implied terms.

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