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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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Nationwide debt -NCCS/KRP now MKDP - **ACK'd Now SB'd**


cleo4patra
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Had a very strange letter today from a debt collection agency for NCCS .

 

 

I had CCA'd Nationwide and had no response

- I sent non compliance letter ( cannnot demand payment , pass on to DCA etc).

 

 

What I don't understand is that the DCA have written (without prejudice) offering me a disounted settlement with no detriment on my credit file

- limited offer for seven days only)

 

I am puzzled - any ideas??? thanks Cleo

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Am unsure what to do next - may write and ask exactly what they are offering?

Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Ref No: xxxx

 

 

Dear Sir,

 

Thank you for your letter dated xx/xx/xx, the contents of which have been noted.

 

However your client, Nationwide have singularly failed to respond to my letters dated xx/xx/xx and xx/xx/xx whiich required them to supply a true copy of a properly executed Consumer Credit agreement.

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

Yours sincerely

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That is a very good letter - thank you. Do they ever settle ?

well on further investigation K P R debt collector is actually Nationwide. To look at the letter you would never believe it. At very bottom in tiny print "K P R is business name of Nationwide Building Society"????? It is quite deceiving.

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  • 2 weeks later...
Think Nationwide ad, think juicy worm, think reeling you in!! :eek:

Don't take the bait. I'd send them this Dear John letter

Sent said letter Ie no CCA etc - but KPR have now sent final demand!! The account is still indispute so is there a further letter to send please?

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I am unsure of next step?? Can anyone help please??

 

I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

strangely enough I sent that letter today after having a good trawl on this site!!

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  • 1 year later...

i have received a demand from wescot for an NCCS credit card that has already been to several DCA's. Have been through all of the procedures - collected a supposed "Agreement" from the branch. This consists of a copy of a "Priority Application" with absolutely NO prescribed terms whatsoever. NCCS and all the previous DCA's KNOW this. Wescot insist I have to pay in full. All the form consists of is:

name and address, password, PIN issue,

Job title,

Card Protection plan and my signature, no payment terms , credit limit no APR or interest rates. Help!!!

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

thanks - I have been through all of the ususal stuff - however I have now referred them to the latest judgment Southern Pacific Securities v Walker and referred to the paragraph - missing prescribed terms = wholly unenforceable. Lets what happens now.

 

many thanks

 

Cleo

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  • 4 years later...

well - it's been ages since I posted on this thread

- been having letters for ages from MKDP

 

 

">>>>we are trying to find a copy of your agreement....."

(I picked a copy up from the Nationwide branch years ago and it was application form no prescribed terms.

 

 

Now I have received a letter from them today"..

 

 

.we are concerned that correspondence addressed to you has been returned from your address.

 

 

In response to the returned mail received,

we have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases

and this information has led us to understand you still reside at the same address

... please contact us to discuss further..."

 

NOW I AM NOT PLEASED!!!!!

 

 

I have not sent any mail back and I think the letter implies I am being deceitful/underhand.

 

 

I believe this debt is not just unenforceable but also SB now.

 

 

Anyone else had such a communication????

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  • 3 weeks later...
  • 2 months later...

Had a letter today from MKDP - for ages and ages they have sent me letters "still trying to deal with your complaint...."

 

 

after they received my Statute Barred letter

miraculously they have found a copy of the "agreement"

 

 

which is copy of application form same as I collected from the branch years ago (see posts on this thres)

they also enclose a copy of a letter I sent to Raven Revoceries in June 2012 -

this letter explains I only ever received app form copy/quotes cases/ unenforceable etc (think its a template letter).

 

 

They say this letter counts as acknowledging the account.

 

 

Anyone help please?

 

 

have had response from MKDP to my letter . I explained had sent no mail back and also that this was now SB under Limitation Act. MKDP have "noted my dispute.......and are contacting Nationwide...... all collection activity now on hold......."
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why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

dx

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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I need to go through the paperwork again

- I think I had nothing from anyone for ages which may explain the gap.

 

 

I thought if it went to court it was perceived as not good practice to not reply.

I didn't realise they were the same organisation either.

 

 

They say this their final decision and I am liable for the debt.

 

 

I know that I haven't paid for over six years .......thanks for your input

 

 

why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

dx

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once a CCA request fails

 

 

its always best to stop all letter tennis.

 

 

dx

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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  • 10 months later...

Letter from MKDP (I sent them the Statute barred letter a while ago) apologising..

 

 

. "I can verigy this account is now closed and you will be no longer pursued for the debt..."

 

 

Apologise for distress and inconvenience and enclose a cheque for £50!!!.

 

 

I understand MKDP are now "Hoist"?

 

Anyway it was nice to get the cheque

 

 

however my name is incorrect on the cheque so they are sending a replacement ...

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  • 2 years later...

well : I tried to claim PPI for this in 2016 but was deemed not mis -sold. I had forgotten I claimed to be honest and recently went through some paperwork and sent them another claim. Received letter saying had previously tried with copy of rejection letter. Further letter saying undisclosed commission : greater than the 50% threshold and a cheque on the way For £700.00 + !!

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another plevin win then...

 

 

well done

 

don't forget to donate if you can to keep us here.

 

dx

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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