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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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hi there

after i have asked for the cca and not received it and the done a DSAR and still not received the agreement. and having exchanged many letters, that still got nowhere, today a default notice turned up.

 

any advice on this one would be greatly appreciated, thanks in advance

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Hi LGIS, [short for letsgetitsorted],

 

My Default Notice is similar to yours. I received a lot of help on this thread which I believe you could too. I posted the link below. The default notice does not appear to have the creditors address, is missing prescribed text and does not appear to be dated.

 

(the date on the accompanying separate letter dated is NOT acceptable as a date for the purposes of the default notice, which is a stand alone document

 

in short it's pants

 

any demand for payment in full of the outstanding balance of the account thereafter would be an unlawful repudiation

 

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices-64.html

 

What date is written on your Default Notice?

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Hi Fretful

thanks for your input on this on, the only date is on the covering letter of which is 15th April.

having received the notice yesterday 14days takes it to 3rd may which is a bank holiday so would this mean that the actual date for rectifying the breach would actually be Friday 30th

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Hi Fretful

thanks for your input on this on, the only date is on the covering letter of which is 15th April.

having received the notice yesterday 14days takes it to 3rd may which is a bank holiday so would this mean that the actual date for rectifying the breach would actually be Friday 30th

 

Hi LGIT, I suggest that you post up your questions on the

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices.html

 

you will most definitely get so much help and advice to your questions as I did.

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  • 11 months later...

Can Anyone give me some advise on where to go with this one.

 

I asked Vanquis for my for my signed credit agreement last year, never received it,

done DSAR this came back incomplete.

 

finally they defaulted the account on the back of a dodgy DN, and then a few days ago sold the account to Cabot.

 

who are now asking for the Balance of which £700 were charges added whilst the account was in serious dispute,

not only that they, are adding 12% interest.

 

so what will be the best way to deal with these muppets who purchased a debt that was in serious dispute.

all and any advise will be greatly received......THANK YOU

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Letsgetitsorted.Hi I guess you sent your CCA request by recorded?

 

The SAR you say came back incomplete,can you tell us what was missing.

 

As the account was in dispute and the CCA and SAR did not produce an agreement or a reconstituted version of the agreement and no T&CS then advise Cabot that they purchased a debt that was in serious dispute,and they are well aware, OFT guidelines clearly state this must not happen,and suggest they return the account to Vanquis.

 

Being Cabot they will give you a load of reasons why they shouldnt,if this happens come back and we can help with the next move.

 

Regards FS

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Hi FS

The CCA was missing not even a reconstituted one,

 

they sent their latest terms and conditions and not the one for when the account was activated,

no statements or account transactions, no copies of any and every letter i sent them,

 

no terms and conditions, no records of calls that i made to them, no breakdown of charges and interest..

 

....so in all quite a lot missing..

 

..they sent one set of info that included a sheet that said repayment protection insurance,

 

this was crossed out and had written in was repayment option plan..

 

..however they sent another set of the same that included a sheet that said repayment protection insurance.

so not only where charges in dispute but so where the payments for the insurance.

 

..vanquis then sent a DN which wasnt a valid one, mine is exactly the same as this on bare the amounts.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?287353-Vanquis-What-a-nightmare-outfit-Refused-affordable-payment-Issued-undated-Default-Passed-to-1st-Credit&highlight=vanquis+default+notice (thanks to alfwithhair for posting his up).

 

there we have it FS where too from here....i was actually thinking of sending Cabot a DSAR to see what they come up with.

 

cheers for you help.

lets

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Can Anyone give me some advise on where to go with this one.

 

who are now asking for the Balance of which £700 were charges added whilst the account was in serious dispute, not only that they, are adding 12% interest.

 

There's absolutely nothing wrong with them adding interest and charges to an account despite you believing that there is a 'dispute'. Can I ask what makes you think that they can't do this?

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As the account was in dispute and the CCA and SAR did not produce an agreement or a reconstituted version of the agreement and no T&CS then advise Cabot that they purchased a debt that was in serious dispute,and they are well aware, OFT guidelines clearly state this must not happen,and suggest they return the account to Vanquis.

 

firstship,

 

Sorry but you are mistaken on this point. Selling a debt is NOT debt collection, it is merely the sale of a debt.

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nicklea you are probably correct as the debt has been sold rather than a DCA acting for the OC.Need to check this with OFT

 

 

Lets do the same thing that you did with Vanquis CCA and SAR Cabot,Vanquis could not comply so there is a good chance Cabot cannot either.

 

Regards FS

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Hi Nicklea

 

 

when the account went into dispute i was paying the minimum payment,

 

but charges where loaded and loaded and loaded some more on top of that the interest rate went up as well as their "repayment option Plane" PPI.

 

so dispite paying i was getting charged more and they took the bare minimum to make sure more charges where added..

 

. so yes too right i think they are in the wrong.

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Lets,Hi,been giving your thread some thought today.Cabot purchased the debt from Vanquis while this account was in serious dispute.So Cabot have purchased the debt,the dispute and the charges that where made unlawfully(or in contravention of OFT guidelines}

 

This being the case(remember Cabot have paid peanuts for this debt )TRY telling them in writing just that,and that you have no intention of paying any further money until the dispute(name all those items that are missing the agreement etc) and the removal of all charges and interest.Might be lucky to get all these items,

 

In my thread line NO7 I said CCA and SAR Cabot,DO NOT do this you have paid once

 

Wish you all the best FS

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Lets ,good things are moving,lets see what the result is,at the present just wait,as they have acknowledged it will take time,then you do not have to pay,been having a very similar chat with Godmother over Cabot on another thread

 

regards FS

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U need statements mainly and the CCA. Basically the statements will help u claim back any PPI and charges.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Lets remember you paid Vanquiis for the info,you put them in dispute so Cabot purchased the debt so they need to comply and they have confirmed this in their email reply.Got to say Cabot are not the best with the speed of their replies,just dont pay them and make it clear why.I think you are at this point anyway

 

regards FS

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Fs.

indeed i am,

 

this all started in October 2009 when i received a county court claim from cohen,

 

that panic me bit, but with the help from here and all those who had been in a simmular situation

 

i managed to sort it and the debt got wiped and my credit file entry amended,

 

hence followed guidance and requested all of my CCAs and so far none have come up trumps.

 

the easiest i had to deal with was Lowell they sent a bill i asked to prove the account and supply CCA,

they couldnt account closed credit file amended took all of about 7 weeks,

and this was all down to the great advise from everyone here.

....THANK YOU..

....so i will not let Cabot get the upper hand, even if they come up with the CCA, the account was closed on the back of a Doggy DN.

 

..not to mention the charges and PPI whilst the account was in dispute.

 

....i will keep you updated on this..

..see where it leads.

 

...Many Thanks for you support always appreciated.

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Are you saying this is ALL for the Same account or different ones?

Also remember Cabot are NOT obligated to provide the information u are missing Vanquis is. U can make a formal complaint to the ICO re the lack of info in the SAR. Also u can start legal action against them for it aswell. tho the legal action maybe the quickest the courts can order u pay the cost of the other side. I know when l made a complaint over the phone and requested info they were 18 months behind and was advised court action might be quicker.

 

I would fire off a complain to the ICO this is there website. http://www.ico.gov.uk/

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi GM

No, it was for 2 other accounts,

I am going to see what Cabot have to say when they come back to me. but in the meantime i will contact ICO, Ta for the link, and also FOS to tell them of the shinanigans that Vanquis have been upto.

see what happens there.

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hi All

Well this is what i have just had back from Cabot

Any thoughts anyone.???

 

[quoteFirstly, I note your concerns relating to your previous Subject Access Request ("SAR"), which you state was made to Vanquis, the original lender. I note from our records that we responded to advise you we have contacted Vanquis to investigate your concerns and upon receipt of their response we would contact you again. Vanquis have confirmed that your SAR was fully complied with on 10th March 2010. In addition, they have advised that you previously made a request for information pertaining to your account, pursuant to section 77/78 of the Consumer Credit Act 1974 and the relevant information was sent to you on 31st December 2009. As a result, Vanquis no longer consider your account to be in dispute.

 

As you are already aware, a SAR is made in accordance with the Data Protection Act 1998 ("DPA") and as such, Vanquis' legal obligation under the DPA is to provide you with all information they hold on their files and relevant filing systems. Therefore, with regards to your comments relating to documentation that was missing from your SAR, if this information was not held on file, then there would be no requirement to include this in your SAR. In light of this, should you remain disatisfied with the informaiton that Vanquis has provided regarding your account, I would request that you refer this matter to them directly.

 

In addition, I note your SAR to Cabot Financial (Europe) Ltd ("Cabot"). However, in order for us to proceed, we require a payment of £10.00, which is the statutory fee for this request. Therefore, please forward your cheque or Postal Order made payable to Cabot in order for us to continue and upon receipt of the same, we would be happy to supply you with the information that you have requested. However, I must reiterate that should Cabot not hold a copy of your credit agreement or terms and conditions on file, then this information would not be included in your SAR. Furthermore, Cabot does not hold details of any Payment Protection Insurance ("PPI") on file, as we are not the original PPI administrator. Therefore, we recommend you specifically request the same from Vanquis, should you still require this information.

]

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So now part of the STANDARD account information kept on file and in the relivant filing systems DOES NOT include payment made lists of charges etc. ROLEX.

Vanquis have to supply you with all this info and if they dont the ICO can make them supply it and can compense you for not doing it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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