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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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How on earth do Welcome calculate their interest


hybrid77
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hallelujah! Bebo finally gets a straight answer!! - Sorry beyondhope can you explain??

 

Its very easy to think you have cracked how the agreements are calculated and that they are off but as fos also showed me this isnt always the case and a feeling of being lead down the garden path soon kicks in!

 

for arguement for people reading what exactly are the 'prescribed' and 'required' terms for newbies reading?

 

many thanks!:)

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many thanks!:)

This post here:

 

 

Here is the response that welcome supplied the foslink3.gif, This explains in black and white what Ive already told you. at the end of the day its down to you which route you take your case. I would however advise you to look at the letter I recieved this is the facts on how welcome work agreements out also make you fully understand what myself and Steven are telling you. I think failing this an Accountant will be able to explain how you agreement is worked out.

I will again say how frustrated I was when I recieved this letter because I honestly believe it isnt clear enough for a lay person to understand and it has took me a while to grasp. I wish you the best of luck with your case.

 

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I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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CONSUMER CREDIT (AGREEMENTS) REGS 1983:

 

Schedule 1 is headed “INFORMATION TO BE CONTAINED IN DOCUMENTS EMBODYING REGULATED CONSUMER CREDIT AGREEMENTS OTHER THAN MODIFYING AGREEMENTS”.

 

(PAGE 35 OF 50) Schedule 6 is headed “PRESCRIBED TERMS FOR THE PURPOSES OF SECTIONS 61(1)(A) AND127(3)OF THE CONSUMER CREDIT ACT 1974”

 

a court shall not make an enforcement order (i.e. a consumer credit or hire agreement will be automatically unenforceable) where

 

 

a prescribed requirements in relation to the execution of regulated agreements

(set out in section 61(1)(a) of the 1974 Act) were not complied with or a

document containing all the prescribed terms of the agreement was not signed by the debtor or hirer;

 

Schedule 6 that sets out the Prescribed Terms for the purposes of s61(1)(a) – the heading makes this very plain. An omission or misstatement of a Prescribed Term set out in this Schedule 6 will render an agreement automatically unenforceable. This was the position in Wilson where ‘the amount of the credit’ was incorrectly stated.

 

AMOUNT OF CREDIT

RATE OF INTEREST

 

How to discharge your obligations:

eg:

NUMBER OF REPAYMENTS

AMOUNT OF REPAYMENTS

FREQUENCY AND TIMING OF PAYMENTS

DATES OF REPAYMENTS

 

 

Schedule 1 does NOT set out Prescribed Terms for the purposes of s61(1)(a) and so an omission of any provision in Schedule 1 will NOT render the agreement automatically unenforceable.

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This post here:

 

 

Here is the response that welcome supplied the foslink3.gif, This explains in black and white what Ive already told you. at the end of the day its down to you which route you take your case. I would however advise you to look at the letter I recieved this is the facts on how welcome work agreements out also make you fully understand what myself and Steven are telling you. I think failing this an Accountant will be able to explain how you agreement is worked out.

I will again say how frustrated I was when I recieved this letter because I honestly believe it isnt clear enough for a lay person to understand and it has took me a while to grasp. I wish you the best of luck with your case.

 

Image hosting, free photo sharing & video sharing at Photobucket

 

 

It still does not change the fact that they did not state that interest is charged on the mortgage indemnity fee.

 

The FOS "APR is a compounded rate that includes the charge for creidt (acceptance fee and MIF) as interest"

 

NOWHERE ON THE AGREEMENT DOES IT STATE THAT INTEREST IS TO BE CHARGED ON MIF.

 

A CLEAR MIS STATMENT OF INTEREST.

 

Unenforceable.....

Edited by emanevs
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  • 3 weeks later...

As I understand it there are 2 different distinct types of Fixed Sum Credit and what it appears to me is that welcome have combined what they want from the 2. Type 1 Having given people essentially what are personal loans on the agreements it specifies the amount of repayments and intervals between repayments whch is under paragraph 9(a) of schedule 1 CCAR 1983. This is then qualified in Schedule 6 (prescribed terms) para 5. As I read it having specified the amounts and intervals of the repayments and the charge for credit it is a fixed agreement and should also state the total amount payable as per para 11 of schedule 1.

Type 2 This is under paragraph 10 of schedule 1 CCAR 1983 and qualified under para 4 Schedule 6. Type 2 is more akin to running account credit or a credit card agreement where you are charged a monthly interest rate. As I see it what welcome do is people having a Type 1 agreement have interest applied on a monthly basis as if it were Type 2. I cannot find anywhere any legislation that allows welcome to combine the 2.

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  • 2 weeks later...

The way interest is calculated on a welcome finance loan is very confusing, especially the way it is shown on a statement, interest is charged seperately on the actual loan and on the defualt sums (charges)

 

Compound Interest - the interest charge on the bulk of the loan

Example

I have a loan of £500, this month my interest is charged at £5 and I do not make a payment then next months interest will be charged on £505. Compound interest allows you to charge interest on interest.

 

Simple Interest - Charged on the defualt sums

example

I have not made my payments and have charges on my loan of £100. This month the interest is £1 and I do not pay anything off my charges. Next months interest will be charged on £100. Simple interest only charges on the initial amount and does not charge on interest that has been applied.

 

The interest is applied at the same rate over both the loan & the charges.

When a statement is sent it shows the total balance, the loan and the default sums and does not break this down therefore over complicating matters as it is not clear when simple interest is applied and when compound interest is applied.

 

If you have any queries over the interest applied the the main part of your loan or the defualt sums or want a breakdown I recommend calling your local office, or Nottingham Central Collections and asking them to explain this to you. As far as I am aware and it was certainly the case back when I did work there that we were unable to produce a statement that was broken down but the information is there for the agent to discuss with you.

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just a cleaver way of hiding secret commission.

 

pers i would advise anyone not to call welcome but to get the info in black and white only

 

there are 1000's of threads on here detailing successful claims & the way it was done.

 

why have we never heard this stuff before ...... smokescreen to confuse and further derail members from reclaiming what is justly theirs that welcome have fleeced from them.

 

 

 

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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My post was to explain how the interest is shown on the statement and how it is calculated I don't doubt you've never heard it before and even if you have you probably didn't listen but take it from someone who knows yeah?

 

Also I would like to know how applying interest is a way of hiding secrect commission and what evidence you have for this?

 

just a cleaver way of hiding secret commission.

 

pers i would advise anyone not to call welcome but to get the info in black and white only

 

there are 1000's of threads on here detailing successful claims & the way it was done.

 

why have we never heard this stuff before ...... smokescreen to confuse and further derail members from reclaiming what is justly theirs that welcome have fleeced from them.

 

 

 

dx

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I agree with DX to get explanations in writing as too much can be misinterpreted in verbal communication

 

although i dont know what interest calculations have to do with secret commission which I know exist and there is plenty of evidence with members here

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 1 year later...

please start you OWN threads

 

stickie closed

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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