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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HELP, NETCARS Finance


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Hello all,

I need a piece of advice. I‘d like to buy a car and take a loan, but I have problem to get it.

I asked my bank First Direct for a personal loan and they say “no”, because I have already:

- a personal loan and outstanding balance 1,100.00

- Visa - balance 1,500.00

- Another Visa (Capital one) – 1,000.00.

- Two store card (total 700.00), but I am easy able to cover the payment for it. (Monthly: 2,600.00 after tax, no children)

I asked Natwest as well and they say the same. My income now is not a small, I have a permanent contract, and 50 hours per week, now will be 1year on my current job, before 2.5 years on another place, about 3 years - the same address (2.8months)

My credit score on Experian is 745 and on Call credit 820.00

Firstly, I should say that I honestly have never ever had any finance problems, I've always paid my bills in full and on time, for all payments I have DD, I had just 3 delay payments, but it

was just maximum 3 days and 3 in areas on last 4 years, but it wasn’t my fault , I am on the electoral roll, I never had CCJ's, I never been on the court, maybe because I don’t have the mortgage account only I a rent a flat ?

Hopefully some legal expert out there can tell me what to do.

Can anyone recommend a direct loan company that will look at applications with my credit score???

I need 12,000.00 for 48 month

Any advice would be greatly received

Regards

:(

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Well I can't understand why no-one is considering you!

 

In my experience, if you go to a dealership for example BMW or Ford then they are always desperate for the business and will not turn someone like you down, or we have just bought another car from Black Horse Finance (they have a car showroom in Birmingham where they sell off all the ex Lloyds company cars) and we did not have any problems with them either.

 

Sounds like you are in a great position - just be careful who you go to next as you dont want too many credit searches on your records. It happended to me once when a car salesman tried every loan company under the sun to try and get me a deal - my credit rating was affected - but experien wrote to them and managed to get most removed.

 

Good luck - if you want the names of the dealerships / garages we use - just let me know.

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Guest Gertie100

Personally (and I mean literally from my own experience, nothing official) I would go for another personal loan rather than a specific car loan...

 

And my best experience (up to now) has been Direct Line and the AA.

(Although the AA tried to tell my husband that he needed PPI on the loan and wouldn't take no for an answer so we hung up and redialled to get another operative!!) That makes them sound crap now doesn't it! But they gave us what we wanted at a very competitive rate...

 

Good luck!

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Hi Gyzmo,

thank you for your help, I think to go and ask to Black Horse, but I dont know how is working this, where should I go first, to Black Horse ask for a Loan or find a car and just after, because what happened if I will have a car and they say "sorry"?

Have a nice day

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(they have a car showroom in Birmingham where they sell off all the ex Lloyds company cars)

 

Black Horse car sales actually sell off cars which have been leased out by Lloyds group companies. Whilst some may have been used within the Lloyds group, the vast majority have been leased to outside businesses of all descriptions.

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Hi,

 

www.blackhorsecarsales.co.uk

 

I bought an Audi A4 Cabriolet from there a few months ago and was very impressed.

 

I hate being sold too, these guys do not try the usual used car sales man techniques, I asked for a test drive, the salesman got out afterwards and said 'if you are interested or want to drive another, I'll be in the office' which was brilliant.

 

All one previous owner, FSH and in good nick at going rate prices (they dont haggle!).

 

The salesman said to me when I picked the car up that a lot of people dont even view the cars, they just order over the telephone or online as they have such a good reputation.

 

Let us know how you get on...

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Hi

Yesterday I found a car on Mercedes Dealership website, they are using Black Horse Finance, I gave him all my details and still I am waiting for the answer, where usually it’s in less than an hour. What is wrong again??? I have European Driving License (full), maybe the problem is here? :confused: :confused:

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  • 4 weeks later...

HELP, NETCARS Finance

 

Who was dealing with Netcars? I would be very grateful for some information, I have applied for Car Finance, my application is approved now I can start looking for a car, before the paperwork will be sent to the Dealer is a £149 finance deposit .

Can I trust them?

:???:

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They are a broker and not a finance house wiosna. The £149 is their fee and you wont be guaranteed the 7.0% rate they have quoted on their site, especially if you have had trouble in the past or your credit score is low.

 

The fee will be payable whether they get you a loan or not, or if you should decide not to go ahead with it for some reason

 

I would try a finance house direct instead of going through a broker who is more interested in how much commission he can make than getting you the best deal.

 

Approach the garage directly and see if they can get the finance you want, I am sure you will get a better deal that way.

  • Haha 1
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If you google them you can find on-line reviews of this company. It's rather a mixed bag with some people finding they could get a better deal elsewhere and others having problems with their customer services.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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thank you but really I dont know what should I do?

I asked my bank First Direct for a personal loan and they say “no”, because I have already:

- a personal loan and outstanding balance 1,100.00

- Visa - balance 1,500.00

- Another Visa (Capital one) – 1,000.00.

- Two store card (total 700.00), but I am easy able to cover the payment for it. (Monthly: 2,600.00 after tax, no children)

 

I asked NatWest as well and they say the same. My income now is not a small, I have a permanent contract, and 50 hours per week, now will be 1year on my current job, before 2.5 years on another place, about 3 years - the same address (2.8months)

Firstly, I should say that I honestly have never ever had any finance problems, I've always paid my bills in full and on time, for all payments I have DD, I had just 3 delay payments, but it

was just maximum 3 days and 3 in areas on last 4 years, but it wasn’t my fault , I am on the electoral roll, I never had CCJ's, I never been on the court, maybe because I don’t have the mortgage account only I a rent a flat ?

 

I asked two times Dealers as well but I didn't have a UK Driving Licence only Europ. Now I have but still I am not sure if I can get a loan

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You need to think further ahead wiosna. Looking at what you owe is not massive compared to some, but what if you are unable to work due to an accident or illness, could you keep up the payments on all of them and a new loan as well.

The last thing you want is to spoil your good record.

 

Personally I would suggest that if you need a car, then go for something cheap that you can afford to pay cash for. There are some cracking little cars out there that have been part exchanged.

 

If your not sure about inspecting and testing what you fancy, then get a friend who knows about cars or ask a mechanic at a local garage to have a look for you.

But above all, make sure anything the seller says in favour of the car is written on paper, and don't just take their word for it.

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Your application hasn't been approved, Netcars has accepted it, they will accept all applications and then go and find you a loan with someone, even if it was at 99% interest.

 

They charge you for the pleasure of doing what you could do yourself.

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OK, thank you for information,

You right, I can do it myself, I didn’t know how they are working. Yesterday I have received ready Loan Agreement to sign from Ocean Finance (personal Loan), APR 17.40% - £10.000, I think is a better option than car finance

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