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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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RBS Mint Loan - Court Action Started & Dodgy DN issues


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Please bear with me as I am fairly new to CAG and am still finding my way around things.

 

I sent off to RBS (now Mint) was RBS Advanta asking for CCA.

 

 

I have had virtually the same response & documents from RBS on 18 Feb 09 as STBINNZ refers to in thread dated 20 Feb.

 

 

They have also sent me two other documents

One of these is a consumer credit agreement and has a reference on the bottom of it of 5/97TC-10.

Nowhere is there any place for a signature.

 

 

The other document (in 2 pieces, possibly a front and back of document) looks more like an application form.

 

 

One page has my husband's signature on as secondary card holder.

My signature in the Principal cardholder box at bottom of form has been cut off (possibly when copied),

but from the squiggles I can see I would think it is my signature.

 

 

I cannot work out how to add these as attachments.

 

Can anyone advise whether or not this CCA looks enforceable, or how I should progress with it. :?

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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  • 10 months later...

Hi all

 

I defaulted on a Mint Credit Card and a Mint Loan last year and advised them that I was unable to pay due to financial hardship.

 

Mint Card replied thanking me for my letter and saying that best thing was to withdraw my credit facility and enclosed a DN. The DN is invalid as doesn't give sufficient time for breach to be remedied. The covering letter says "at the end of the stipulated period your agreement will be formally terminated".

 

I then received an Account Termination letter about a month later.

 

I didn't understand the technicalities of DNs at that time, but after doing much research on CAG I believe that Mint Card could be deemed to have unlawfully rescinded the agreement (as the DN was invalid).

 

I did come to an arrangement with them to make reduce payments and have made several. Is it too late to write to them accepting their unlawful rescission and therefore only being liable for the arrears at date of DN being issued?

 

The Account Termination letter does say the account has now been terminated. Could it still be open in some way if I am making payments on the existing balance. They also asked for card back but I didnt send it.

 

The Mint Loan situation is similar. I defaulted on it due to financial hardship of which I advised them. They issued a DN (invalid again on dates for remedy) and followed up with a Notice to Terminate YOur Loan Agreement. It says "we have no alternative but to terminate your loan ..." and goes on later on to say if I don't pay by a certain date they will take steps to recover the amount owed. The difference with the Mint Card is that I told them about my financial hardship and agreed reduced payments AFTER I'd been sent the DN and TN.

 

This was a couple of months ago, whilst the Mint Card was about 4 months. Is it too late to accept the unlawful recission of the Mint Loan.

 

Should I double check the accounts have been terminated or can I take the letters as read.

 

Urgent help appreciated.

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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the covering letter was a termination letter.

 

however making the agreement was awkward

 

how much were the arrears at the time it was terminated?

 

when was it terminated

 

how much have you paid?

 

 

hopefully you have misunderstood that you have only agreed a repayment plan for the arrears

 

What you should have done after receiving either the DN and covering letter (which amounts to a post dated termination)or the later termination letter is to write to them accepting their unlawful repudiation and asking if you could come to an arrangement to pay the arrears which you agree were outstanding up until the termination

 

the same for the other one

 

why dont you search through your files in case you have overlooked it

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Thanks DD.

On one of them the arrears were just over £200 and the other one just over £300. The first one was terminated 4 mths ago the other 3 months ago.

I've paid approx £130 in total on the first one (2 payments made ) and about £70 on the other one again split into 2 payments.

 

Yes, you are quite right - I did think I was making an arrangement to pay off the arrears only. I will look back through my files for the copy letters.

 

Would you suggest I'd better write to them to point all this out and sending them a copy of the original letter.

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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Thanks DD.

On one of them the arrears were just over £200 and the other one just over £300. The first one was terminated 4 mths ago the other 3 months ago.

I've paid approx £130 in total on the first one (2 payments made ) and about £70 on the other one again split into 2 payments.

 

Yes, you are quite right - I did think I was making an arrangement to pay off the arrears only. I will look back through my files for the copy letters.

 

Would you suggest I'd better write to them to point all this out and sending them a copy of the original letter.

 

 

referring to the FIRST ONE i would write along these lines

 

Dear Sirs

 

Your Ref Account XXXXXXXXXXX Terminated Agreement

 

By my reckoning i have paid 130 off of the arrears on this matter

 

Please advise me the remaining balance of the arrears left to pay as at the time of the termination

 

Yours F

 

XXXXX

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Thanks again DD. Have sent off letter and will wait to see what they reply before tackling the other one. Have also looked back through my files and found that did I write to both of them back in Nov accepting their unlawful rescission/termination.

 

Will post up when reply comes.

 

Many thanks

 

ALSO could you put me straight on something else related to dodgy DN's, Termination and Unlawful Rescission? If I've had a Dodgy DN then get a letter asking for the full balance BUT there is no mention in that letter of account being terminated/closed CAN IT STILL BE TAKEN as unlawful rescission?

Edited by Pumpkinhead
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Thanks again DD. Have sent off letter and will wait to see what they reply before tackling the other one. Have also looked back through my files and found that did I write to both of them back in Nov accepting their unlawful rescission/termination.

 

Will post up when reply comes.

 

Many thanks

 

ALSO could you put me straight on something else related to dodgy DN's, Termination and Unlawful Rescission? If I've had a Dodgy DN then get a letter asking for the full balance BUT there is no mention in that letter of account being terminated/closed CAN IT STILL BE TAKEN as unlawful rescission?

 

YES!!

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  • 3 months later...

I have recently received a court summons regarding a Mint Loan. I have already returned my Acknowledgement of Service and stated that I intend to defend the entire claim.

 

Here's the background of the case:

Took out 4 figure loan from Mint back in 2006. Due to financial difficulties did not keep up payments. Was sent first DN in Aug 09. I didn't pay the arrears but wrote to them explaining my financial troubles and asking them to wait 28 days until taking further action. Nothing else happened until I received a second DN in late Sept 09. BTW I am pretty sure the actual agreement is OK as had previously obtained copies of it.

 

Here's my first point:

I believe this DN is invalid in at least one respect, namely that I was not allowed the 14 days from date of service to remedy the default and pay the arrears. The DN was sent 2nd class and I have the envelope. A copy of the DN is attached - it was dated 23 Sept. By my calculations, allowing 4 business days for second class service takes us to 29 Sept as a weekend falls in between; so 14 days on from this means I had until 13 Oct to comply. HOWEVER, their DN says that payment must be received by 10 Oct.

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/Page1DN.jpg

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/Page2DN.jpg

 

 

I'm also not convinced that this DN meets the statutory requirements in terms of its layout so would welcome comments on this point too.

 

I received a Termination Notice dated 23 Oct - also attached.

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/TerminationLetter.jpg

 

Second key point:

I wrote to them in late Nov advising of financial difficulties, enclosing a personal budget planner and asking them to accept lower repayments. This was accepted and I made two payments at the lower amount until I realised (by reading lots of threads on Dodgy DNs etc) that they had in fact unlawfully rescinded the agreement by terminating the account on the back of an invalid DN. (I posted a thread about the situation on CAG and a link back to this is also posted at the end of this message.) I wrote to Mint in Jan this year accepting their unlawful rescission - see letter attached. They replied that their formal demand for repayment was sent correctly - also attached.

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/Letteraccepttermination.jpg

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/LetterfromMint.jpg

 

So, now I've received a Court Summons and attach the POC. There is no reference to the first DN. The POC gives the date of the DN and the date action was needed by as I've explained above - this I believe is good evidence that they DN was invalid due to insufficient time being given to remedy. Any other comments on the POC welcome.

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/POCPage1.jpg

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/POCPage2.jpg

 

I would welcome suggestions on this situation - the validity of the DN, the unlawful rescission and of course thoughts on the Defence I should use. I have until 14 May to file this. I am going to send Mint a CPR31.4 request too.

Edited by Pumpkinhead
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Here's the link back to my first posting of this situation and before it went legal

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/243410-rbs-mint-invalid-dns.html

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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Hi ph,

 

Ok, first thing I would say is that you need to find out how much you were in arrears at their termination (less the payments made), so a CPR 18 request for statements is probably required there.

 

Lawfully, if the agreement is ok, you would have to repay the arrears at termination, obviously taking off any unlawful charges.

 

Haven't looked at the DN yet, but by your dates (And well done for keeping the envelope) definitely not enough time and that is not a de-minimus issue.

 

Issue a CPR31.14 request for the agreement & Default Notice. Give them 7 days.

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Yes, got the amount of the arrears at their termination. Haven't come across a CPR 18 before so will look into that. Appreciate I'll have to repay the arrears. What would be classed as unlawful charges?

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Anyone know of a CPR18 request letter on the forum anywhere that I could use?

 

Also, would appreciate more thoughts/comments/help on my situation.:|

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I've faxed and posted the solicitor the CPR31.14 request today.

 

Got a question about the arrears side of things though.

 

Given that they unlawfully rescinded the agreement by terminating it on the back of a defective DN, is the amount I legally have to pay them:

 

a. The amount of arrears (less unlawful charges etc) outstanding at the time the DN was issued OR

 

b. The amount of arrears outstanding at the time they sent me notice of termination

 

Also am I correct in believing that unlawful charges would be deemed those made AFTER termination of the account i.e. arrears letters fees and the like?

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b

 

unlawful charges are anything not in the agreement (if any) and then any penalty charges that you may be able to argue as unlawful

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  • 2 weeks later...

Last week I sent another letter to the Sols as have not received reply to my first CPR31.14 request. Have given them until Wed this week to reply.

 

In meantime am working on my defence as this needs to be submitted by end of the week. I will post it up hopefully tomorrow.

My opinions are not expressed as an agent or representative of The Consumer Action Group. My advice is given freely but please remember to always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star below.

 

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Have received letter from Sols today re my CPR31.14 request, advising the info has been requested from RBS and that they will give me 14 days from the posting of these documents to file a defence.

 

Taking the content of the above letter into account, if I don't submit my defence by this Friday (when originally due) is there any risk that a judgement could be made against me by default? Advice welcome:confused:

 

Also, do you think I should apply for a Strike Out or Summary Judgement as the DN was defective?

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write to the Court, perhaps even including a copy of the letter to let them know the score.

 

IMHO you will not get a SO/SJ against a faulty DN, that would be an issue to be decided at trial

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  • 1 month later...

All has been quiet for a while as I have been chasing for information using CPR31.14. I've now received the documents I requested and need to submit my defence before next Tuesday 22 June.

 

My defence will be based on the DN being defective on dates and that their request for the balance on the back of it amounts to unlawful recission.

 

I've already had experience of putting another defence together on the same basis, so will start with a cut and paste job and then put it up for comments.

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Before I complete writing my defence I thought it might be worth putting the original loan agreement up here, just in case anyone can spot something wrong with it.

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/MintLoanAgreementSide1.jpg

 

http://i685.photobucket.com/albums/vv213/pumpkinhead50/Mint%20Loan/MintLoanAgreementSide2.jpg

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what were the circumstances surrounding the taking out of the loan? - was it just an online app, signed in bank or what?

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I applied over the phone and then I think they sent me a document to sign before releasing the funds. I applied for the CCA agreement some while back and they sent me a print out of the loan application input information.

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at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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