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    • 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.
    • 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?
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Credit Files and DCA's


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Yet another question, can Red allege I've made a payment during the last 6 years, as reading the site, it appears that some DCA's make up this story. I know that no payment or acknowledgement has been made since 2004.

 

JB

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They can allege anything they like but would

need absolute proof of any payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They would need Not only proof of payment, but also proof that it was made by you for it to have any effect

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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The other day I posted a thread on here as I had 2 letters appear completely out of the blue for debts that are well statue barred from Red. A number of people advised me, and Brigadier compiled a 'statute' letter. I sent the letter by Recorded Delivery and it has been received by Red.

 

Today again out of the blue I receive this letter from Robinson Way, Salford, M50

 

Dear Joe Blogs

 

Previous Address: XXXXXXXXXX

 

For the purpose of validation, we believe that you used to live at the address noted above. It you are not that person, or you have any queries or concerns, please use the freephone number below to let us know so we can ensure our records are correct.

 

FREEPHONE NUMBER ETC

 

If you are the person named above, you may also use the number to contact us.

 

Yours faithfully

 

Correspondence Manager

 

Now as I said in my previous thread, I did have debts, but they are around 7-8 years since payment/acknowledgement.

 

What shall I do with this letter now received? Many thanks

 

JB

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Ignore until there is a clear indication as to what they are chasing.

Don't get trapped into any phone coversations ever.

They are phising at the moment so don't bite.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

On that selling of your info by VF I do not know.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

 

could not have said it better myself thats why they are called robbers way

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Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

 

Hi JB,

 

I can understand your concerns here but let me take this opportunity to reassure you that we would not have provided your personal information to this DCA.

 

If you'd like further information regarding our privacy policies please see our website here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Vodafone would have passed your personal info to Credit Reference Agencies when they carried out a credit check prior to your contract starting. I imagine Robbers Way obtained your details from the CRA not Vodafone.

 

The phone company (whichever) will have made an ID search.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What companies say and do are concerning, I don’t trust any of them, its all profit... only yesterday BBC watchdog announced the DVLA have sold driver details to private car parking companies. I DON’T TRUST THEM…..

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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Hello, I wonder if I can ask for somemore advice please. As already mentioned, I had some stature barred debts, last payment/acknowledgement 2004. Checked Credit File and none of the debts are showing. I am very worried that this company can add the debts back onto my Credit File.

 

After sending my letter to Red by Recorded Del, I have recently received a letter from Lowell Portfolio 1, the contents are as follows:

 

We thank you for your recent correspondence.

Please be advised that at the point of purchase of thesen debts Lowell Portfolio 1 Ltd became the data controller in accordance with the Data Protection Act. Consequently, as the legal owner of the debt Lowell Portfolio 1 Limited retains the right to process your personal data. Therefore Lowell Portfolio 1 Ltd are not prepared to cease processing your data in respect of the debt on the basis this is required for the performance of a contract to which you are a party.

 

We are now looking into your enquiry and will be in touch shortly with an answer.

 

We can't give you an exact date, as we may have to get information from other departments and outside companies. But we will get back to you as soon as we can.

 

Please do call us.

In the meantime, if you would like to talk to us about this or anything else, please do phone us here at Customer Services on the above number.

 

 

Of course I'm not going to call them, but what does all this mean and can they put the debts back onto my Credit File even though I know they are Statute Barred?

 

Many thanks for all your help.

 

JB

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NO NO NO, this is Lowell posturing once a debt is SB it stays SB.

Send this to the Data Controller at Lowell.

Further to your letter dated xxxxx regarding xxxxxx

I do not acknowledge any debt to Lowell or any other

''trading style'' you may wish to use to confuse matters.

I have informed yoy that the alleged debt is statute barred

and I will not now or in the future be making any payment

or offer of payment now or in the future.

I am sure you are aware of the OFT Guidance on Statute Barred

Debt and I will consider any further contact from any company

of the Lowell Group to be harassment.

Therefore YOU WILL CEASE TO PROCESS ANY PERSONAL DATA

RELATING TO ME.

I shall report the conduct of the Lowell Group to the OFT and also

remind you of the OFT Guidance on the sale of statute Barred Debt

without informing the purchaser of the status of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

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Good result JB, and with the new OFT guidance on the sale of SB debt

they'll have a job to off load it.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

 

And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

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

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

It is in the letter JB has posted to them, required to cease processing

data and remove from records.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It is in the letter JB has posted to them, required to cease processing

data and remove from records.

 

 

Sorry Brig.. missed that:oops:

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

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Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

 

i would not just check experian there are 2 other credit refrecing agencies where they could have posted thier grubbly little details make sure yo check call credit and equifax as well if nothing is on them 2 then your all clear

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