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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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A & L - Enforcable Agreement???


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Hi,

 

I have been avidly reading the forums for some weeks now and have to say how impressed I am by the wealth of knowledge on here.

 

I was wondering if I could steal some of your expertise and get an opinion on my problem.

 

I have just recieved a copy of my Credit Agreement from the Alliance and Leicester for my Credit Card.

 

The document is quite a few pages long but appears to comply with requirements. My question is simple - does it?

 

The doc is as follows.

 

Page 1 is titled "credit agreement" and is a photocopy. It has my name, address, credit limit, PPI requirements, consumer credit agreement statement and a handwritten reference number at the top of the page in a pre-printed box.

Page 2 (is also a photocopy) has a big "customer declaration" blurb and signatures of myself and the A&L bod. Also athough there is a reference number box the same as the page before, there has not been any number written in it. - But no-where is there any reference to the intereste rate.

 

The next pages look like the are a current printout of the T&C's that do contain interest rate etc. I have not signed this document at all.

 

As I understand the Consumer credit act, the credit agreement HAS to contain the interest percentage for it to become enforceable.

 

Is this correct?

 

I will scan the document in the next couple of days but until then, any ideas what I should do - Admit deafeat or carry on fighting?...:?

 

Thanks.

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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If it has no interest rate then it will be unenforceable but it's best to wait until you have scanned and posted them so they can be looked at in detail. Remember to cover over all your personal details before you post.

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Thanks, should be able to get the original on tomorrow. Assuming this is unenforceable, what should I do next? Send them a letter to tell them so whilst quoting the relevent sections of the credit act?

 

Cheers,

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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You can send them a letter informing them that they haven't fulfilled your request and why what they have sent you is unenforceable. It's better to wait until the 12(plus 2) days have passed before you do this, after which time they are in default of your request and you don't have to pay them a penny until they do send you a true copy of the original agreement.

 

People "subscribe" to push your post further up the page for answers. There are some professional "subbers" around here as you can see!:D

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Cheers,,,,I realised I was being a dumb a*s just after I asked about subs...hehe

 

They are already outside of the 12+2 - I sent the request on the 27th.May...

 

I can't find the interest rate or repayment info anywhere on the signed copy - It's in the T&C's that are attached and obviously a different document from the latest revision not the original - The late fee's and stuff are all 12 quid even though the account was taken out in 2002.

 

Is there a template for the letter I need to send?

 

I will load up the original tomorrow though - Just to be sure before tajing them on...

 

Cheers Guys..

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi,

 

I have attached scans of the docs - I think. Would you be kind enough to have a look and tell me what you think I should do next. I'm assuming I should use one of the standard letter templates but any help would be greatly appreciated.

 

Cheers,

A&L1.jpg

A&L2.jpg

A&L3.jpg

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Sorry guys - Tiny thumbnails...How do I use photobucket???Can't find any instructions...

 

Apologies for being a pain in the @rse...:confused:

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi,

 

Sorted it out.

 

Here is the agreement itself pages one and two.

 

The third page is the First page of the T&C's which are just the latest version.

 

http://i277.photobucket.com/albums/kk44/Multay/AL1.jpg

http://i277.photobucket.com/albums/kk44/Multay/AL2.jpg

http://i277.photobucket.com/albums/kk44/Multay/AL3.jpg

 

Hopefully this should be clear enough...Any help is greatly appreciated..

 

Thanks,

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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If this is the quality of the document they sent you, it is totally illegible and they must send you a legible copy. The original of this would never be enforceable in court becuase you cannot read it. What they have sent you is an application form - it has no reference to an APR so does not fulfill the requirements for prescribed terms - with a set of Terms and Conditions tagged on that bears no relationship whatsoever to the form. Your application was in 2002 - these Terms and Conditions pertain to agreements after 2004.

Also, it goes from Page 1 to Page 3 then the Terms and Conditions - where are Pages 2 and 4?

 

So there is your letter - they have not fulfilled your request under the CCA 1974 as the document they sent you is 1) illegible 2) an application form without full prescribed terms (don't tell them what is missing - don't do their job for them) 3) is incomplete with pages missing. In addition the Terms and Conditions do not pertain to the alleged agreement and they have not sent you statements as required by the Act. They are now in default of your request and until such times as they send you a true copy of the agreement requested, the alleged debt is in dispute and any enforcement action on their part will be contrary to the CCA 1974, the Administration of Justice Act 1970 Section 40 and OFT guidelines.

 

In other words, they can bog off with this load of cobblers and not return unless they can find a proper agreement!:grin:

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Cheers for that Pinky - Didn't even notice the missing page!!!!

 

Do you think the missing page could detail the APR etc? Mind, I suppose if they had it then they would have sent it...;)

 

I'll put together a letter and post it on here before I send it.

 

They have also got RMA on my case with this so I CCA'd them too but they are still ringing everyday and I've had nothing through the post.

It will be interesting to see if they come up with anything different to A&L.Is it woth telling A&L to call their RMA dogs off???

 

Thanks,

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi Again,

 

Here's my letter - What do you think???????

 

 

ACCOUNT IN DISPUTE

 

 

DO NOT IGNORE THIS LETTER

 

23/06/08

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

 

 

This account is in Dispute .

 

On 27th.May, 2008 I wrote to A&L requesting that Customer Service supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a form which did not comply with the requirements of the Consumer Credit Act 1974.

 

You have not fulfilled my request under the CCA 1974 as the document sent is:

 

1) Illegible

2) Without full prescribed terms.

3) Incomplete with pages missing.

 

In addition the Terms and Conditions do not pertain to the alleged agreement as required by the Act.

You are now in default of your request and until such times as they send you a true copy of the agreement requested, the alleged debt is in dispute and any enforcement action on their part will be contrary to the CCA 1974, the Administration of Justice Act 1970 Section 40 and OFT guidelines.

 

I therefore, request that you also instruct the RMA to cease attempts to claim the alleged debt.

 

The document sent purporting to be a credit agreement does not contain the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states:

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

Further more, since the prescribed terms do not appear within the agreement you have supplied, the agreement is rendered totally unenforceable, as the prescribed terms must be contained within the agreement and not a separate document, case law confirms this opinion

 

I refer you to the judgment of TUCKEY LJ in the case of Wilson and another v Hurstanger Ltd [2007] EWCA Civ 299

 

”[11] Schedule 1 to the 1983 Regulations sets out the "information to be contained in documents embodying regulated

consumer credit agreements". Some of this information mirrors the terms prescribed by Sch 6, but some does not. Contrasting

the provisions of the two schedules the Judge said:

 

"33 In my judgment the objective of Schedule 6 is to ensure that, as an inflexible condition of enforceability, certain basic minimum terms are included which the parties (with the benefit of legal advice if necessary) and/or the court can identify within the four corners of the agreement. Those minimum provisions combined with the requirement under s 61 that all the terms should be in a single document, and backed up by the provisions of section 127(3), ensure that these core terms are expressly set out in the agreement itself: they cannot be orally agreed; they cannot be found in another document; they cannot be implied; and above all they cannot be in the slightest mis-stated. As a matter of policy, the lender is denied any room for manoeuvre in respect of them. On the other hand, they are basic provisions, and the only question for the court is whether they are, on a true construction, included in the agreement. More detailed requirements, which

are designed to ensure that the debtor is made aware, so far as possible, of specified information (including information contained in the

minimum terms) are to be found in Schedule 1."

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states:

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment”

 

 

As it stands, the document supplied by you is not a valid credit agreement nor is it enforceable by any court

 

Firstly, I require all correspondence in writing from here on; any persistent attempts to contact me by phone will be reported to Trading Standards.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you for this debt, a mere copy of the same agreement will not suffice. If you cannot do so I require written clarification that this is the case.

Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

I respectfully request a response to this letter in 14 days

 

Yours Faithfully,

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi Babybear - I sent the original on the 27th.May to A&L so allowing for the 14 working days so it ran out on the 17th.June - didn't get this replay till last Thursday so they were outside anyway.

But I sent The CCA request to RMA on the 6th.June - I did it to shut them up really - But it hasn't made any difference!!!

 

Cheers,

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Fine letter.

 

Also report them to Trading Standards if they exceed the final calender month to comply using the information in this thread:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147392-cca-dcas-unfair-commercial.html

Edited by babybear39
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Corrections - "you are now in default of my request" - and " until such times as you send me" - apart from that - go for it!

 

The CCAs were sent on 27 May so the 12 (plus 2 days) were up on 16 June.

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