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    • 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.
    • 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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Interesting telephone call from Cabot


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I received a superb telephone call yesterday from cabot, and it went like this...

 

Cabot: Hello is that mr Sev?

 

Me : Yes, who is this?

 

Cabot: It's Citibank - er, I mean Cabot Financial, we own your Citiba..

 

Me : I know, what would you like to know?

 

Cabot: Can you confirm your date of birth and postcode for security

 

Me : Sure, it's blah blah blah...

 

Cabot: Thankyou.

We've currently got you down as being on an arrangement with us for the sum of £blah. I was wondering if we can look to increase this at all?

 

Me : Not really, as I don't have a lot of kob certainty at the moment and I'm not going to commit to anything until the economic situation clears.

 

Cabot: well, if you wanted to settle this we could make this very attractive, and offer you a substantial discount anything up to 20%

 

Me : That's very kind, but I really don't have the means otherwise, i'd have called you a long time back.

 

Cabot: Well, as it stands Mr Sev, your current debt at your current repayment will take 25 years to pay off, we could come to a payment arrangement for £95 pm which will clear it in 5 years.

 

Me : Sorry, but as I said, I don't have the means. That's why you and I are even talking.

 

Cabot: Yes, I understand that. Perhaps we could interest you in a loan to settle this?

 

Me : I don't think so, you've already defaulted me on my credit record, as have all my creditors. What makes you think that I can afford or want a loan when I can't afford to pay what I've already got owing?

 

Cabot: Oh, OK, how about relatives or frieds, could they not lend you any money?

 

Me : er... let me think.... no.

 

Cabot: Well could you stretch to a 10% increase, it's only 2 pounds.

 

Me : I probably might, but I'm not commiting to anything at the moment.

 

Cabot: OK, well i'll send out the paperwork, to confirm and just to let you know if you miss a payment there will be charges and late interest fees...

 

Me : Send what you like, but i'm not confirming anything at he moment as I don't know if i'll even have a job at christmas.

 

Cabot: Well we need to get this debt moving and i'll give you a call in 6 months to see how your circumstances are doing. In the mean time, perhaps you could ask your family or friends for money, or consider our loan service. If you have an unexpected windfall We'd make the settlement offer very attractive.

 

Me : Ok, if I win the lottery you'll be the first to know. Thanks.

 

Cabot: Goodbye.

 

Me : *hangs up*

 

 

Is the lift actually going to the top floor with this lot?

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Section 2.6 http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

A complaint to OFT don't you think?

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Is it just me, or are the DCA's starting to sound very desperate to get people to pay? :D

 

I had a letter on saturday. (a DCA's fave for sending urgent letters to contact them.) Asset Collection & Investigation ltd.

 

They have written from their "Pre Legal Department" :rolleyes: To inform me that they are carrying out a "Pre Sue Report" :roll: in the anticipation of pending legal action.

 

They say if I pay in full they are authorised to offer me a substantial discount on the blance owing. If I can't make a one off payment I can play in instalments to avoid legal action.

 

I'll call them on Monday morning with my own substantial discount offer, of no payment until they provide me with a CCA. :p Seeing as Argos and 7 DCA's before them failed, then I don't hold out much hope for ACI ltd.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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By coincidence, I had a letter yesterday from 1st Credit's Pre-School gang, stating that they intend to take legal action in respect of a debt which:

 

a. has already been the subject of a CCJ (by the OC, a utility company), served at the wrong address, in the wrong jurisdiction and in respect of a bill incurred after I'd sold the property

b. has been set aside for the reasons above

 

I have already begun composing a letter to the OFT...

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  • 5 years later...

Hi All,

 

I have had an agreement with Cabot since 2006 for my citi financial card.

what started as an 18 pound agreement back in 2006

as of yesterday is now a 40 pounds a month agreement.

 

My circumstances are that my partner hasn't worked for over two years,

ironically thanks to her company closing the UK operation and moving it to mumbai.

 

I support her and my elderly mother, and our mortgage and all household expenses.

 

For the last month I have been getting three times a day the cabot Indian call centre trying to call me to 'review' the agreement.

 

With all my expenses and credit debt agreements (which are slowly being chipped away at)

I have a sum total of 100 pounds disposable income at the end of the month,

which generally gets swallowed up with material for repairs to the house, DIY etc - essentials,

- we haven't been out for a meal for example in over three years,

but that said all my priority debts and utilities are always taken care of, of that I'm thankful.

 

The indian call centre yesterday as always pressed for incomings/outgoings.

 

The said that with 100 pounds disposable income I could afford to pay more that 38 pounds.

 

He asked how much my partner got in benefits

and how much my mother got as a pension and tried to manoeuvre this into the whole household available income.

 

He tried to push for the state of my mothers' health - following it up with 'perhaps there may be a lump sum available to you soon'

 

He was also rather agitated that I didn't want to take up the direct debit agreement,

and despite it being obvious there were no other monies pressed for the availability of a lump sum

or of anyone in the family had any investments that could be freed up.

 

He was also constantly re-iterating that at this rate the agreement would not be paid till 2022 - as if I was enjoying dragging it out.

 

I genuinely hate these filthy people and their practice.

 

 

I despise cabot more than any of the other creditors

- even MBNA have been civil compared to these call centre crows in a continent

which has nothing to do with the one I am in, and which has in part led me to suffer the hardship I am under.

 

I would remind cabot that it was they who pressurised me to take more credit to keep up with repayments in 2006,

and it is outsourced call centre filth like their mumbai muppets who now prevent me from repairing my leaking windows and roof on my home.

 

So what do I do? there's nothing I can do really.

 

I'd like to ask them to call me from a UK cal centre only but then that's politically incorrect I suppose.

 

But i'm most upset about being asked for the other income in the house,

the expectation that I've got investments tied up for my own benefit

and the speculation on a death to release equity to make them go away,

or that somehow I am intentionally enjoying a champagne lifestyle at their expense.

 

Oh and "could you repeat everything you have agreed to for the benefit of the recording of this conversation please".

 

Still, when your earning potential is based on how much pressure you can put on others then what do you expect.

 

Is it even worth complaining? lets face it, the banks and their bottom feeders actually get aroused through the enjoyment of knowing that people are suffering as a result of actions like this, and the people you complain to are set up by the very banks themselves.

 

I've never claimed for unfair charges against them, and now its probably too late, I've always played their tune and played fair. and all I get in return is hassle from a commission hungry indian call centre worker.

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Just ignore the calls and send the harassment letter. Cabot will give up. If they continue calling them they are in breach of regulation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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me thinks you are being cash cowed here.

that's why they keep up the pressure on you.

 

 

have you ever sent these Muppets a CCA request?

 

 

I can guarantee theres no agreement or matching T&C's

 

 

like all CITI debts of that era.

 

 

sorry but I think you are being had blind here.

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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me thinks you are being cash cowed here.

that's why they keep up the pressure on you.

 

 

have you ever sent these Muppets a CCA request?

 

 

I can guarantee theres no agreement or matching T&C's

 

 

like all CITI debts of that era.

 

 

sorry but I think you are being had blind here.

 

I have a 95% tendency to agree with DX. Youre being had.

Id like to see what they cough up via a CCA request.,..

 

Drop this tool a complaint - [email protected]

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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As said CCA request will

 

stop them dead in their tracks

 

Send asap

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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