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    • 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.
    • 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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Financial Ombudsman Service ** Complete Waste of Time & Effort !!!! **


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I have been fighting several credit card cases and personal financial issues since the closure of my business in January 2009, I have had a severe issue with one case in particular; Barclaycard.

 

I reported them to the Financial Ombudsman service several months ago for not supplying me with a valid Consumer Credit Agreement and also for harrasment by telephone.

 

The case has now gone to an Ombudsman after I requested that it be escalated as I did not agree with the adjudicator in the case telling me that he did not agree with my arguments and felt that Barclaycard were well within there rights to phone me continually "in order to establish a way forward to repaying the debt"

 

Here is an extract from todays letter received;

 

"We beleive that it is more appropriate for a court to decide wether a debt is ultimately legally enforceable. Also that we conclude cases based on what we consider to be fair and reasonable. As the funds were borrowed and used we would deem it fair and reasonable that these should be repaid"

 

What is the role of the Financial Ombudsman if this is there stand point??

Should I have gone directly to the Information Commisioners office or am I just going to be banging my head against a brick wall with them as well.

 

Disapointed & Angry is the only words I can find at this present time. I live in hope that the Ombudsman sees it differently to the Adjudicator that has checked over the case so far.

 

Financial Ombudsman Service - Financed & Run by the financial sector for the financial sector !!!!!!!!!!!!!!!!!!!! :mad:

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sorry if you had the money

i think thats a very fair comment.

 

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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The FOS is funded by the various financial companies. They get £500 for looking at each case, I fairly sure that fee goes up depending on the circumstances. I'm fairly sure they back the paymaster more often then not. I' don't have too much faith in them.

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Whats the amount in dispute ?

ie alleged to be owing - and has there been charges levied and if so how much ?

Have you got a thread running already for this ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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matters not, if you had the money. you should pay it not wriggle out of it.

 

so ans the question, did you have the money?

 

dx

Edited by dx100uk
,

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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The account is Illegal and Unenforcable by law as there is no CCA present

 

Barclaycard are forcing the Court idea because they KNOW that many judges have ruled in their favour after asking if the customer had spent the money.

 

 

No CCA does not mean its illegal or unlawful-it means that recovery action cannot legally be enforced without a Court order....but there are many instances where CC issuers are confident of going down that route now.

 

So can you answer Dx ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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DX

 

In many cases the debt has been paid back because the customer has been paying for many, many years, so the card companies are on thier

umptean profit, infact there gorging on it. You don't know the facts don't

go around judging folk.

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I have always found this site and it's members to be very helpful and resourceful and for the ones that are trying to help I thank you once again.

 

This situation regarding this credit card is very complex. I lost my business due to the so called "credit crunch" and the financial institutions all around us falling flat on there faces and leaving us i.e. in this case "ME" deep in the proverbial!!

 

I am in the midst of possibly losing my house through the Bank as it was secured against my business through a 2nd charge; but hey feel free to sit back and fling mud from the comfort of your armchair when you don't know the circumstances surrounding each individual case.

 

As far as I am concerned Barclaycard are breaking the law and as they do not have a true copy of the CCA then they cannot enforce the agreement. I am sure if the shoe was on the other foot then Barclaycard and the rest of the financial instituitions like them would use the law to there advantage to swqueeze every last penny out of us!

 

My purpose in this instance was to merely point out the fact that I have wasted approx 6 months of fighting this case throught the F.O.S. who have been a complete waste of time. I am not some ned who has made a schoolboy error I am a business man with a family who has watched everything come crumbling down around him with little or no support from any of the blood sucking financial institutions who were happy to stand by you when the times were good and now it's all turned to sh1t they run for the hills!

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Hello tigercub!

 

I know the feeling.

 

Agree FOS are a complete waste of space.

 

Sorry to see you receive some rather unhelpful commments on this Thread. I'd just ignore them and move on. If you have a Thread for the Barclaycard issue, maybe Post a link, because I am sure people will be only too happy to help you stand up against these feckers.

 

Cheers,

BRW

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in all honesty, what do you expect the fos to do? become a courtroom judge?

 

if you had not had the money then fair dues the system is screwing you over and they should have sided with you, but going by the decision you must have had it, so they were never going to rule in your favour- they can't

 

its always worth asking/answering a few more questions before you waste your time & the FOS's.

 

there are numerous threads in the BC forum on this, p'haps a study of those will help.

 

as for judging or being unhelpful, sorry but sometimes someone has to smell the coffee and be blunt instead of pussy futting around with users & ask questions, like do/did you owe this money, because it was silly to recommend going to the FOS if they did. - unhelpful there were we guys?

 

we are all in trouble, likewise i have a business that could sink or swim this season because of nasty banks ripping me off in the past, i'd rather get useful help rather than running up a mudslope.

 

the experts here p'haps need to examine these charging orders you have, maybe it can be dealt with that way.

 

dx [the judge:)]

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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http://www.consumeractiongroup.co.uk/forum/general-debt-issues/230986-financial-ombudsman-conclusion-cca.html

 

relates.

 

Sadly it appears too much faith has been put towards these magic bullet promises of getting debts written off by claiming a CCA is unenforceable. Be it from reading threads on the various reclaim sites or seeing TV adverts, but you have fallen victim to this belief, and not only in this one thread.

 

i wish you well in your exploits and i really do hope CAG and it's members can assist you in more positive methods toward favourable outcomes in all your troubles.

 

here to help

 

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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  • 2 weeks later...

I know we are all up to our eyes fighting debt problems but I would urge anyone who is unhappy with the FOS to complain to their MP. Mine is getting involved and asked for copies of all FOS correspondence (I have several complaints with them at various stages). I do not think the FOS is fit for purpose - it is not independent enough. How can customers' claims be rules against so often when we know how unfairly the banks have behaved in mis-selling product by incentivising their staff and charging disproportionate fees. If the FOS was truly independent and after such a catastropic collapse in the financial world, the majority of complaints would be in the customers' favour. Believe me you don't go to the FOS lightly. The amount of paperwork, time and energy the complaints take is huge. When they do rule in your favour, they offer some paltry sum of compensation eg £50 for months and months of unecessary stress and paperwork. This kind of award is then included in the figures in favour of the consumer when it goes nowhere near giving due compensation for the financial loss or time spent dealing with the problem. It is absolutely disgraceful and the FOS needs to be radically changed to have a much more "fair for the consumer" slant. The Banking and now Lending Codes need to be made compulsory and fleshed out in much more detail and policed properly by the FOS with FSA and OFT scrutiny. SJ

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Sent foslink3.gif some private papers and they returned them to someone else! They phoned me to let me know. Said the papers were being returned...but this huge and amateur bungle has opened us to ID theft , breaches all kinds of rules and regulations, confidentiality and data protection. They wrote to us today and said it was 'human error' but offered no solutions...unbeleivable. I thought they were supposed to 'defend 'us . From what I've read above, I don't know why we bothered . Will pursue this never-the-less.

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Sent foslink3.gif some private papers and they returned them to someone else! They phoned me to let me know. Said the papers were being returned...but this huge and amateur bungle has opened us to ID theft , breaches all kinds of rules and regulations, confidentiality and data protection. They wrote to us today and said it was 'human error' but offered no solutions...unbeleivable. I thought they were supposed to 'defend 'us . From what I've read above, I don't know why we bothered . Will pursue this never-the-less.

 

Have you reported it to the ico? https://www.ico.gov.uk/Global/contact_us.aspx

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Thanks very much for that, but yes, we have. They are contacting the fos. Also taking legal advice ands will be informing our bank in writing, so that this whole thing is 'date stamped'

Thanks for your help, much appreciated.

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  • 2 months later...

Hi there,

 

Well it shows persistance pays with the FOS. They have sent a cheque to cover a security ID theft package from Lloyds Bank for 18 months.(They sent all our bamk details to another customer by mistake) Not a stunning result , but a lot better than nothing which is what I expected.:)

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Yes it would. The ICO have had this case for some time. They have sent a reply saying that they are investigating... but that was some time ago...I'll chase them up and see what happens.

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