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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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    • 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
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experian even have a debt recovery service:

 

Experian's Debt Collection and Recovery suite brings together the company's data, analytics and software assets to provide organisations with an integrated, end-to-end debt management capability.

Experian uniquely combines sophisticated operational and risk management technologies, expert analytics and consulting with a billion bureau records to efficiently deliver unprecedented levels of customer insight and operational performance for debt collection.

Today, more than 90 per cent of the UK's leading banks, building societies and debt collections organisations, as well as many of the UK's largest utility and telecommunications companies, use one or more components from Experian's range of collections services.

Each of the elements within the Debt Collection and Recovery Suite can help an organisation to improve its collections efforts. By blending these capabilities, organisations can start to achieve even greater returns.

 

I thought they were a data controller that advised on creditworthness???

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I have not heard of any CRA winning a case it appears they disappear once challenged in court do they pay people off?????

 

they hide behind industry standard not law, should we all not be bringing cases in court against cra's

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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experian even have a debt recovery service:

 

Experian's Debt Collection and Recovery suite brings together the company's data, analytics and software assets to provide organisations with an integrated, end-to-end debt management capability.

Experian uniquely combines sophisticated operational and risk management technologies, expert analytics and consulting with a billion bureau records to efficiently deliver unprecedented levels of customer insight and operational performance for debt collection.

Today, more than 90 per cent of the UK's leading banks, building societies and debt collections organisations, as well as many of the UK's largest utility and telecommunications companies, use one or more components from Experian's range of collections services.

Each of the elements within the Debt Collection and Recovery Suite can help an organisation to improve its collections efforts. By blending these capabilities, organisations can start to achieve even greater returns.

 

I thought they were a data controller that advised on creditworthness???

yes the company that runs the DCA branch always seem to sell the debts whenever they get a either cca or sar request...without looking is it wescot that belong to them....

patrickq1

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  • 5 months later...

I know it's an old thread but I'm in the process of sending a SAR to the CRA's.

 

Maybe it'll answer a few questions that the CRA's don't seem to want to tell me.

 

Also because I'm paranoid and don't like the idea that every Tom, Dick & Harry can access or share info about me. I would like to see exactly what they have on me.

 

It'll go by recorded delivery tomorrow.

Have £20k+ in debt, seriously want to be debt free, currently in temporary accomodation and having business problems.

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firstly try to sar experian and find out which companies have information on you , might be a better track then you can sar the cra's and find out why they hold information and if its incorrect you can then make sure they clear it etc ?

patrickq1

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  • 1 year later...
Has any one done any thing on this???

This should be taken to a court for a ruling on there actions

 

This is an old thread and you've just woken it up again IIM.:madgrin:

 

Strange thing is, I live a few doors from an MP-ex cabinet minister who kicked ar*se when the CRA's first began their evil businesses back in the 70's and he was telling me he nearly had them closed down before the ink was dry on their headed paper for the invasion of privicy.

 

I've never believed they had licence to do what they do, but as I am so involved in saving my own home just now from rogue finance companies I have never really followed much up with the CRA's albeit I have a spat going on right now with Equifax who dipped into an idle account I have which had 0.76p in it when I applied for my free credit report recently. I don't use that account much now, but they had kept the record of it on their system from a previous report request some time back.

 

I posted this elsewhere and got shot down for being petty and over reactive, but on 5th November that 0.76p went into 0.24p overdraft breaching my bank contract. Now as far as I was concerned the money had left my account as how else does one explain £1 going missing from it?

 

I asked Equifax if they were responsible and asked them to tell me who gave them permission to 'take' £1 from my account. They came back and said " don't worry Andrew, we only temporarily take it and put it back a few days later".

 

Under the wrath of cries I am over reacting by saying this was theft on here I argued a principle. Who gave them permission? Brigadier stated they all do this to check ones ID and that I would have been informed in their T & C's of the free offer, well I haven't found that yet, but in my pursuit of Equifax (despite my drumming down by others) I have now obtained a confession from Equifax that they DID NOT ask my permission to dip into my account, but I should not worry because the money did not leave my account - Oh No? Yes it did! Apparently it was not Equifax, but their merchant, so Equifax have issued a request to a third party company to dip into my account - to me that makes it even worse as they have passed on bank details to this company of mine.

 

The amounts are piddly, but what they did was to put my account into unauthorised overdraft and whilst I have not been charged £25 as they are entitled to, no doubt my bank are as complicit in these types of transactions as the CRA's are and just allow this to happen.

 

This is wrong, no matter what their motives for doing so and ar*se needs kicking. They get away with these things because people accept that as it happens every day is okay to do. The DCA's thought this too until we rebelled and showed them the way to do things at a considerable cost to their industry. Something I personally am quite proud to have been at the heart of changing.

 

I don't have the time to dedicate to this pursuit sadly, but someone needs to take up the challenge.

 

A1

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I find the CRA response odd YOU gave them the card detalls, card number, expiry date, security code, the notional debit was reversed and caused you no problems.

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Hello andrew1. I agree with you. I monitior my current bank account daily, and it is not only CRA's who can "take" £1 or similar from an account without notice. Occassionally, when purchasing or enquiring with a debit card online, and "extra" £1 is taken as it shows as "funds not available" for a few days and then it reappears. In most instances there is not a t&c page readily accessible. JMTW.

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I find the CRA response odd YOU gave them the card detalls, card number, expiry date, security code, the notional debit was reversed and caused you no problems.

 

I gave it a long long time ago and I do not agree with you brigadier, you make this sound like it's trivial since it was only £1. You miss the point. It put me in breach of my contract with my bank ie. It put me into unauthorised overdraft. That's the plain fact about it, the money did vanish from my account whatever any of you say.

 

To say it does me no harm ? - well, just take a look at the facts and don't get wrapped up in the amount. Did it or didn't it get taken from my account? Yes or No - the answer is Yes!

 

I give my card details to Sainsbury's but that doesn't give them carte blanche rights to dip into the account whenever they feel like it either.

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When we see banks adding charges and interest and charges again for simply going a few pence into the red then I think this is a valid argument.

 

I see it happen all the time with Amazon and other online sites because they dont actually take the full amount until the item is shipped. It would actually be nice if they were to let you know this.

 

I must admit, I dont actually understand why Equifax would need card details for a "Free" credit report anyway and understand Andrew1's frustration at this happening. Presumably they ask for the card details in order to confirm who your identity and address.. but a bit out of order taking any amount to do this.

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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

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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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They didn't ask for it CitizenB, they had this particular account and card detail from a long while back and just assumed that was the account I was still using when I recently requested my 'free' report.

I wouldn't have known about it had I not been the vigilant character I am with my bank accounts.

 

There was 0.76p sitting quite innocently keeping this account open, but it went into overdraft when they decided in their ultimate wisdom to temporarily take the £1. That then put the account into O/d of 24p-an unauthorised overdraft at that.

 

I do not accept that just because they all do it that that makes it right. It doesn't.

 

People seem to be wrapped up in the fact this is now normal practice so it's okay - no it's not. Sorry if that upsets people, but look what's happened and tell me that's right. If I dipped into your account, would you be happy as you are now? No, didn't think so!.

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They didn't ask for it CitizenB, they had this particular account and card detail from a long while back and just assumed that was the account I was still using when I recently requested my 'free' report.

I wouldn't have known about it had I not been the vigilant character I am with my bank accounts.

 

There was 0.76p sitting quite innocently keeping this account open, but it went into overdraft when they decided in their ultimate wisdom to temporarily take the £1. That then put the account into O/d of 24p-an unauthorised overdraft at that.

 

I do not accept that just because they all do it that that makes it right. It doesn't.

 

People seem to be wrapped up in the fact this is now normal practice so it's okay - no it's not. Sorry if that upsets people, but look what's happened and tell me that's right. If I dipped into your account, would you be happy as you are now? No, didn't think so!.

 

 

Sorry, I misread that Andrew.. it actually makes it worse.. why were they actually storing your old credit card details ? Surely that is against the rules unless you specifically gave them permission to do this and presumably you never did.

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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It's a debit card, I fortunately don't have credit cards any longer, learned my lesson a while back.

 

Whether it's an old card or not is not the point though CB, it is a live Debit card. They just took the money, either themselves or their instruction to a merchant and I wasn't asked. I have not come across the t & c's Brigadier confidently believes accompanies my free application and I have no reason to doubt what he says other than Equifax have yet to provide them. I certainly didn't get advised when I made my application, that, I am totally confident about.

 

I know this seems like a storm in a tea cup,but it happened and I am not happy about letting it go without accountability and neither, I might add, should anyone else.

 

I didn't mean to waste anyone's time on this, there are far more important things to help people with than my quid and a principle. It just addles me.

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I've noticed this happen several times on my Barcs account, which is not used too much these days. There's been days where I just cannot reconcile a quid or so but 3/4 days later, it's back again. Has me pulling my hair out sometimes. I accept that some might say a quid is a trivial amount but it's the principal

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It seems odd that this has happened several times, have you given your card details out?

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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