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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
    • 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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Spreadsheet of Settled Claims


mcuth
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The Excel spreadsheet that was originally posted here has now been superceded by this page. Please see that page to obtain lists of settled claims.

 

Cheers

 

Michael

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It seems in each case, the bank use the 30 day settlement option to delay things, would it be worthwhile using this list to request the judge not to allow the 30 days?

Read, Read and Read some more.

 

The answers are all out there...

 

By the way, it's your claim. I only offer an opinion as another reader. :confused:

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It seems in each case, the bank use the 30 day settlement option to delay things, would it be worthwhile using this list to request the judge not to allow the 30 days?

 

You mean when the judge orders a stay pending settlement?

The spreadsheet's designed to go along with the application to remove a stay, as detailed in this post:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html

 

(thinking on, I'll add a link into the first post here....:) )

 

Thanks for the kind comments btw folks, didn't want you thinking I was being ignorant :D

 

Cheers

 

Michael

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Mcuth, just a thought but it would be really helpful to myself to add an extra column to say what type of interest th case has been settled with.

 

ie Statuary, Authorised O/Draft Contractual, UnAuthorised Contractual.

 

Just a thought what do you think ?

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Mcuth, just a thought but it would be really helpful to myself to add an extra column to say what type of interest th case has been settled with.

 

ie Statuary, Authorised O/Draft Contractual, UnAuthorised Contractual.

 

Just a thought what do you think ?

 

I'm afraid that'd be impossible to state unless people started reporting it in their litigation posts, sorry. Besides, previous claims being settled outside court with Contractual Interest (authorised or unauthorised) wouldn't have any impact on future claims being settled on the same basis.

 

Cheers

 

Michael

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I was thinking along the same lines, if people start stating if they won with Contractual Interest, it may help others that are going for contractual interest.

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Could this not be used to sway the judge to strike out the defence, as, all the cases have had a defence submitted but all settled before a hearing.

 

I was thinking along ther lines of the Lincoln judge where he said they were abusing the court system

 

Absolutely you can use this list of claims for something like that - abuse of process, where it's clear that the banks are using the court system as a "delaying tactic", etc... and showing that they've settled X cases without intending to step into a courtroom to defend them :)

 

I was thinking along the same lines, if people start stating if they won with Contractual Interest, it may help others that are going for contractual interest.

 

The only way I could see it helping is from a morale point of view to other CAG members.

As far as the courts are concerned, when a case is settled out of court, it's just that - a settled case - and the court isn't concerned about the arguments used within the case. Now, if there was a case actually heard and won, then there would be a reason to bring the detail of that case before the court.

 

Cheers

 

Michael

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  • 2 weeks later...

Perhaps i am being thick but i can't open the files. I take it that xls is an excel document(i don't have excel) but lit.settled is a word document but it opens with a load of strange characters and no word format.

 

Trucker

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Perhaps i am being thick but i can't open the files. I take it that xls is an excel document(i don't have excel) but lit.settled is a word document but it opens with a load of strange characters and no word format.

 

Yes, the xls file is an Excel document - if you don't have Excel (or a version of OpenOffice that can read Excel2002 files), then you won't be able to view it unless you have Microsoft's Excel Viewer installed.

 

As for the .doc file, it is not an actual Word document - it's just the Excel file renamed. As I wrote in the first post:

 

"lit settled.doc - the spreadsheet renamed - if you haven't got any "zip" software, just save this to disk and rename it to lit settled.xls

 

The forum software doesn't allow me to upload an Excel file (or at least, a filename with a .xls extension), so I simply changed the extension to .doc so it could be uploaded. This way, those that might not have any unzipping software to extract the spreadsheet from the zip file, can just save the file to disk and rename it. I'll make this a little clearer in the first post of this thread.

 

HTH

 

Cheers

 

Michael

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you are something else mcuth... i'm just here learning all i can. just won 6k relatively easy (few hiccups on the way) and eager to help others, but with a lot more knowledge than i've got already.

If i've been helpful in any way....then tip my scales over there!

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  • 1 month later...

Excellent! I have a feeling this spreadsheet will come in handy. 2 days left til my 14 days are up since I sent Lloyds my LBA...

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

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  • 2 weeks later...
This is an Excel spreadsheet of all settled charge-related claims as posted in the Litigation Concluded forum, with the exception of posts that didn't have a case number. It contains an "autofilter" which can be used to show cases for one particular Defendant. One suggested use for the spreadsheet is to accompany an application to have a stay removed (as detailed here).

 

If you don't have Excel (or a version of OpenOffice that can read Excel2002 files), then you won't be able to view it unless you have Microsoft's Excel Viewer installed.

 

There is 1 attachment to this post - lit settled.xls

 

Updated 18th April - spreadsheet now available in Excel format - number of claims is now 591 - total value in excess of £1m!

 

Cheers

 

Michael

 

 

Just a point about the settled claims - would it be to our advantange to put in some other dates eg date settlement offered, date paid etc

 

might be able to work a pattern and the judges would clearly see that even if they enter a defense there is a timescale /

If I have managed to help you in anyway then please click my scales

 

:eek::evil::-D

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Just a point about the settled claims - would it be to our advantange to put in some other dates eg date settlement offered, date paid etc

 

might be able to work a pattern and the judges would clearly see that even if they enter a defense there is a timescale /

 

Hmm, not sure about just how helpful that would be since the courts only have to look up the case number on their computer, and we're simply providing an indication of how many cases that the bank has settled.

 

Remember that the spreadsheet is simply data taken from the Litigation Concluded forum, and it's hard enough getting people to a) report the date that the case was issued, and b) PM a mod with their case details for inclusion in the first place! (I believe that the number of cases from the Litigation Concluded forum is only a fraction of the total number that actually get issued) :)

 

Cheers

 

Michael

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Would it be possible to use this spreadsheet to apply for costs as the bank are behaving "unreasonably" by forcing the litigant to waste a lot of time and outlay more of their hard earned cash to persue the return of the litigants own money unlawfully taken in the first instance???? Possibly show the court that the banks are meerly abusing the court service in order ro "scare" people off claiming. I'm sure, as you's are also aware, there will be many who only have a few charges and simply don't justify the time and expense to recover them, considering the fact that applying for costs is generally speaking a no-no.

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Would it be possible to use this spreadsheet to apply for costs as the bank are behaving "unreasonably" by forcing the litigant to waste a lot of time and outlay more of their hard earned cash to persue the return of the litigants own money unlawfully taken in the first instance???? Possibly show the court that the banks are meerly abusing the court service in order ro "scare" people off claiming. I'm sure, as you's are also aware, there will be many who only have a few charges and simply don't justify the time and expense to recover them, considering the fact that applying for costs is generally speaking a no-no.

 

Indeed, you could use it in support of a request for costs - you're probably better off looking at this thread though, I know it's Lloyds, but it's a claim for costs based on the bank's unreasonable behaviour :)

 

Cheers

Michael

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  • 3 weeks later...

Hi

 

Sorry for not updating you earlier.

The date range of the spreadsheet covered all the posts in the "litigation concluded" forum (as was) from the start of that forum. However, that forum has now been superceded by this page, where you can get all the details of concluded cases.

 

I'll update the first post on this thread with a link to the new page, and then close the thread, as the spreadsheet is now redundant.

 

Cheers

Michael

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