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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?
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+20 PDLs - Irresponsible lending advice please


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Good afternoon,

 

I have been a regular user of PDL's for several years and am now looking at getting control of my finances and clearing my remaining debts. I have made poor financial decisions over the last few years which i blame a bit on a bit of gambling and drinking - both issues that are now firmly in check.

 

i just wondered if i am eligible for a PDL irresponsible claim:

 

my current debts are below - all i have borrowed from previously. also i have 4 defaulted debts on my credit file from 2014 so i'm sure this would have come up on a credit check. In total there are 18 other settled PDL on my credit file from 2014-17.

 

My noddle account does not show the amounts i borrowed in the settled category, just the live accounts.

 

My questions are:

 

1. is there a standard email to ask for the information of my loans or is it straight away a SAR?

2. some of my income and expenditure was a bit fabricated if im honest but surely i should have been declined if i had defaults?

3. will it make any difference that the payday loans are classed as instalment loans?

 

i want to try and tackle the 4 debts i have first then look at reclaiming others after.

 

any advice is welcome and a donation will be made on any success.

 

LENDING STREAM DATE TAKEN

£500 07/12/2016 Under payment plan

06/02/2018 23/02/2018

15/09/2017 26/09/2017

02/12/2016 06/12/2017

03/11/2016 02/12/2016

03/10/2016 01/12/2016

09/11/2015 28/11/2015

27/08/2013 05/09/2013

 

UNCLE BUCK

£900 04/05/2016 Under payment plan

29/02/2016 31/03/2016

29/01/2016 29/02/2016

 

SATSUMA

£600 10/05/2016 Under payment plan

01/10/2015 28/11/2015

 

PIGGY BANK

£400 23/02/2018 PAYMENT PLAN

£113 06/02/2018 23/02/2018

£372 17/08/2017 24/10/2017

£470 11/08/2016 31/10/2017

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read our pdl guide in the stickies of this forum

its all there

go get 'em

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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ok fully read and 1st step completed (very nervous of it, not sure why)

 

sent the creditors below? do i stand a good chance on this?

 

I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid when. Please note I am only asking for details of my loans, I am not making a Subject Access Request.

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extremely good chance with that amount of loans.

and I bet your credit file was full of defaults already?

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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good keep that safe

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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ok first bit of information back off Uncle Buck so i am attempting to prepare my letter.

 

after reading the guide, is it the interest i am asking for back plus 8% or to write off my existing debt?

 

i have checked my credit file, they completed a credit check and money laundering. at the time there was plenty of other loans that had been settled plus 5 defaults on my alythough not all were PDL.

 

This is my breakdown:

 

01/2016 - loan £100, repaid £148.20

02/2016 - loan £350, repaid £532.99

04/2016 - loan £700, on payment plan - paid £126 so far but have a balance of £900 left

 

here is my first letter. does this look ok?

 

Dear Sir/Madam,

 

I have had 3 loans from you between XX/01/2016 and XX/05/2016, one of which I am in a payment plan.

 

Your loans trapped me into a debt spiral, with the repayment taking so much of my wages that I had to borrow again to cover my next month expenses.

 

For this period my income averaged about £1200 a month.

 

My living expenses were roughly: rent £400 Council tax £70 Utilities and bills £170 Transport costs £180 Clothes £70 Food and toiletries £100. Other debt repayments £140. Total £1140 per month. This shows that there was no way I could afford these loans. When I repaid them, I had to borrow again to get through the next month.

 

You should have realised from the number of times I rolled loans or borrowed again that my debt problems were getting worse. It was not responsible to continue to lend to me. My bank statements would have shown further payday lending and my account being completely empty within a day of payday due to lending from friends and family too. From 2015-2017 I have borrowed and paid back over 20 payday loans from providers along with yourselves.

 

My credit reports would have shown my other debt repayments and problems including late payments on other payday loans and 4 defaults on existing accounts from 2014 inc, XXXX AND XXXXX.

 

You should never have given me these unaffordable loans. I would like to ask you to refund the interest and extra charges I paid. The Financial Ombudsman suggests that statutory interest is added to this sort of refund.

 

I only found out I could make this sort of irresponsible lending complaint in April 2018.

 

I look forward to your reply.

 

Yours Faithfully,

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Hi Skyblue - So sorry i missed your thread!

 

I take it you have read the guide in full?

 

Your letter is good. I would use it. Get it sent off and see how it goes.

IF you have any questions - Please do let us know.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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quick update. all complaints logged and the replies are filtering through.

 

uncle buck have asked for a copy of my credit report showing the defaults and all the settled loans - sent that via email. they are also asking for bank statements from the time of application.

 

is this normal practise for the lenders to ask? issue i have is i closed that account and opened another elsewhere. i can of course approach my old bank for statements if need be.

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IMHO bank statements are none of their business

but an sar [leave it till after may 25 then its free]

will get you every statement.

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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thread tidied

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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straight off to the FOS if you are not happy yes

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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im currently writing my FOS complaint and just wanted an opinion on the wording if possible, please.

 

Complaint:

 

I have made a complaint to this company regarding irresponsible lending.

 

I do not believe i should have been lent the money at the time due to repeat borrowing from this company with 3 loans in the space of 5 months. Any checks at the time should have highlighted i was borrowing with other payday lenders and had 2 payment plans at the time. Also my credit file shows 4 defaults from this time which are still on there now as well as plenty of settled payday loan accounts.

 

Had bank statements been asked for, it would have shown my salary going in and within 24 hours my account empty due to other loan repayments aswell as payments made to family who had bailed me our for bills.

 

This is the tricky bit! am i being cheeky?

 

how do you want the business to put things right for you?

 

I would like them to acknowledge they should not have lent and repay me the interest on the loans with 8% to reduce or write off the remaining debt as still cannot afford to pay the debt off.

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i would like them to acknowledge they should not have authorised the multiple loans and reduce or write off the remaining debt .

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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