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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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      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.

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StokiePotter vs Capital One (Old Acc) ***WON***


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Well....

 

After receiving a visit the other day from Wescot Credit Services and then reading up on Unlawful Charges on C/Cards I'm looking at contacting Capital One to find out how they have come to the conclusion that I owe them monies, when the card only had a limit of £200 in the first place?

 

I took the card out in 2004 / 2003? and the nice people at Capital One only gave me a limit of £200 :wink: now I used it once or twice in emergencies and ended up missing 1 or 2 payments (when myself and my partner temp split). Obviously I received 1 or two letters and fastly cleared the arrears.

 

I then made a payment of £300 hoping that it had cleared any monies owed off the card and any charges that the nice chaps had charged me...

 

Let it lie and now a visit from a Collection Chap from out of the blue...

 

Now obviously i intend on hitting them on the rebound if I have paid monies that I could rightfully claim back, last thing I want is a default on my record if they are stating I owe them money for charges that they have unlawfully added.

 

The only details I have in regards to the account is an old expired card I found in my drawer, If I contacted them staing this number could they look into my account and send me the details I need to claim?

 

Regards,

 

SP

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  • 2 months later...

Back again...

 

I requested my S.A.R. which I received back via recorded post on 15th May 2008, ands its all gobbledegook to me.... it has a vague breakdown of when withdrawals were made and numerous £20's going out of the account (charges I assume?!)

 

Now Ive woken the account, I have received a letter from "Capquest" offering me a discounted settlement of the account?!? (Ive got no intention of settling an account if they owe me :)) If I add these random £20's as listed on the statement it comes to near on £400?!?

 

Im a bit stuck now as it doesn't actually state "charges" the format is 3 columns which says "Transaction Date" (no breakdown of the transaction), "Paid In" and "Paid Out"?!?

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steven,

 

Thanks for your help....

 

Please take a look at the images on this link...

Images - Windows Live SkyDrive

 

Thats what I received off Capital One in regards to the info I requested (plus a load of computer screen captures)

 

The first few months of having the card all was A-OK then I split with the girl I was with at the time then it all went a bit pear-shaped :smile:

 

Glad I dont have any cards or any O/drafts now, and if it wasnt for the chap knocking at the door I assumed all was cleared and sorted with Capital One :cool: "Obviously not!" :-x

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Hello StokiePotter!

 

Just have no idea what are actual purchases etc, and which are charges etc....

 

Anybody have any ideas on how I'd find out?

 

I wrote this earlier, then walked off and forgot to Post it! I see Steven has jumped in to help.

 

I was going to say, if you have a Spreadsheet Application, it would be a good idea to enter all of the Transactions via Date and Amount.

 

Then see if the £20 Charges all fall on about the same Day per Month, as Card bankers tend to add Penalty Charges at around the same time every Month. Particularly Late Penalty Charges, as it will be added a few Days after the "Due Date", whatever that is for your Account.

 

Over-Limit Penalty Charges can vary, i.e. when you were using the Card you could've popped over Limit at varying times but usually they added them at the Statement Date. Accounts don't tend to go down unless something was Paid in. But if you were no longer using it, then even these should fall at around the same time.

 

I've now had a quick look at your Docs, and some seem to fit the above pattern, say:

 

08/11/2004 £20

08/11/2005 £20

10/06/2005 £20

11/11/2005 £20

 

But it is very hard to tell, as there are many other £20 debits littered around the place with no real Pattern.

 

You may need to go back and ask them what Charges they levied? They are a Business, so will have to have Business Accounts going back 6 Years. If they Charged you anything in the last 6 Years, they should have a Record of that.

 

What you spent is not the same...it's what they Charged YOU that matters, and they should have a Record of that, as it is their Earnings so accountable to HMRC.

 

Sorry this is not more helpful.

 

Cheers,

BRW

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There will be 2 types of charges - charges for going over you credit limit and charges for late payment, possibly addded on different dates.

 

I think I might go one stage further than BRW and assume that any charge of £20 that was added when you credit limit was exceeded and any charge of £30 were unlawful charges (and that £50=£30+£20) and get them to prove they are not (I will probably get shouted at for saying that ;)) UNless of course, you actually know that you made purchaces of exactly £20 (petrol?) or £30. Presumably they will send you propper details if you have claimed too much.

 

 

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Anybody be able to point me in the right direction for the template to add up the charges (with interest) ;)

 

Also do I put both £20's etc, down as just "Charges" or will one be a late payment fee and the other a card charge?!

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Ideally, you would list what each charge is i.e. late payment, overlimit etc - but as they haven't told you what each charge is then there is no way you can do that so you would just have to list them as 'charges'.

 

Interest calculation spreadsheets here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Excellent...

 

Cheers for the pointers folks...

 

Can I just add, that this site is absolutely Spot On!!!

 

and another Stokie as a Mod "You cant go wrong ;)"

 

Done the spread sheet and it looks like I'm owed, with interest £458.00 ;) serves themself right for sending Mr Wescot round for £200 :)

 

"Bully Boy tactics DO NOT SCARE ME :)"

 

Now the next step is to send a letter with the spreadsheet? Correct?!? Will the letter have to mention that I want the "default" removed from my credit file also?!

 

Do I also need to contact Capquest to let them know to scrap their "reminders" as I am reclaiming charges?!

Edited by StokiePotter
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Just reading through a couple of the other posts and noticed that they are having the same contacts with Capquest...

 

Now I received a letter from Capquest "offering" me a discount and saying they would "match" any payment I made to reduce the balance... very nice of them BUT, Im out to get the whole thing wiped from my file (if Im honest the money part doesn't bother me, just stop the hounding and remove any blotches from my credit file and Ill be happy)

 

Now should I contact Capquest and let them know Im reclaiming charges or just leave it to Capital One to let them know there is no charges to persue?!

 

7 days to go for their initial letter to tell me there charges are fair etc.... :-)

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Just been reading this thread.

 

Seems like a new tactic from Capital One.

 

When you send them a SAR they are supposed to supply you with copies of the original statements that they would have originally sent out to you.

We all seem to accept the summary version of the statements that Capital One sned out in response to SAR's, similar to the ones you posted Stokiepotter.

However in your case Capital One have modifed the summary versions to remove the item descriptions. This is unbelievable and a tactic that can have only been instigated to confuse and frustrate.

 

Personally I would suggest you just stick with the tried and proven routine now. Ignore CapQuest, don't phone them or write to them and certainly do not pay them anything. Let Capital One have their complete 14 days to respond to your initial letter, see how they respond and hit them with a LBA if necessary.

 

You will probably have to follow through with a small claim but once you have done this you can rest assured that Capital One will offer to pay you back all of your charges, all the purchase interest you ever paid them, statutory court interest and your court fee. This will obvioulsy clear your account balance and leave you some cash left over. From this position of strength you can force them to remove any defaults on your credit file.

 

Rgds Budgie

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  • 2 weeks later...

Received the following letter today...

 

Dr Mr XXXXX

 

Account Number XXXX XXXX XXXX XXXX

 

Thank you for taking the time to write to us about the default sums we'vee added to your account. I understand that you think these default sums are unlawful and I'm sorry you feel we've treated you unfairly.

 

To explain, we add late or failure to pay default sums if your payment is missed, arrives late or isnt enough to cover your minimum payment. We'll also add overlimit default sums if your balance goes over your agreed credit limit, which is £200.

 

When we opened your account in October 2004, we sent you a credit card agreement which stated these default sums. By signing and returning this to us, you agreed to the terms and conditions for the account, including the default sums.

 

As you're probably aware the Office of Fair Trading, OFT, hasnt challenged the right of banks to charge default sums. Although we feel £20 is a just amount, we've now reduced our default sums to £12. I appreciate that you have incurred default sums at the higher rate, and I would like to address this.

 

I've reviewed your account and, as a matter of goodwill, I'd like to reduce the default sums we've added to your account to £12 each. This amount totals £152, I would also like to refund an additional £10 as an acknowledgement of interest that you may have incurred. If you'd like to accept this offer, please sign and return the settlement form I've included. Once I get it back I'll add these refunds to your account.

 

Now that we've sold your account, we don't report anything about it to the credit reference agencies. As Capquest own it, it's their responsibility to report on this debt, and you'll need to agree repayments with them for the remainder of your balance.

 

I can confirm that we have issued a default notice on your account, We have a legal obligation to report a true reflection of the way your account is run to the agencies. I am afraid I am not prepared to remove the default notice as the reason you defaulted was due to your account being over its credit limit (please may I add this was due to the charges "they added") and behind with payments, and not due to the default sums we've added. This notice was, therefore, added correctly.

 

I hope I've explained things clearly, but if you do have any further questions, please write to me again. You'll find my address in the leaflet I've included, which also explains our complaints procedure. If I don't hear from you within four weeks, I'll consider this matter closed.

 

Yours Sincerely

 

XXXXXX

 

Now obviously the amount I was claiming was not £152 but more like £450+

 

Could anybody advise me on what to do now... Ive had a look through the letters but cant find any that relate to a "sold" account or the refusal to remove a default notice.

 

Regards,

 

SP :cool:

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