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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help Please ? :) SGE LOANS.


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The **** are still at it. Despite warnings from West Yorkshire Trading Standards. I applied today and was told nothing would be taken from my account until either I received a loan or my first payday whichever came first. Within 2 minutes of putting the phone down my Bank called me querying a transaction for £89.99. Told them not to authorise and then emailed SGE. They initially denied trying to take any money but when I asked them to phone my bank they declined and said it was an "admin error" yeah right!!!!

Apparently they have been warned about this practice by Trading Standards but, as they part fund them since the Government cut backs, they think they are untouchable. I hope Watchdog decide to investigate them

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  • 3 weeks later...
  • 2 months later...

They are still at it! I applied for a loan on the 23rd September and they mentioned their premium service but NEVER said it costs a penny! Well, today they took £79.99 out of my bank, I rang customer services (answered straight away surprisingly) but they said that it's out of the cancelation period (never mentioned) and that as I 'agreed' to it I can't get my money back! Even though they never told me exactly what I was agreeing to and they should have known that when they took the money out of my bank it was past the cancelation date (dodgy if you ask me!!)

So I submitted a complaint and they said they will listen to my call and decide whether I should receive my money back, doubt il get it like.

Does anyone know how I can get it back?? I have 2 kids to feed and these twats have took the last of my money :( I read the above comment but my bank said they can't help me as I techniqally agreed to it as I said yes, I just don't know what to do :/

Thanks x

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  • 1 month later...
They are still at it! I applied for a loan on the 23rd September and they mentioned their premium service but NEVER said it costs a penny! Well, today they took £79.99 out of my bank, I rang customer services (answered straight away surprisingly) but they said that it's out of the cancelation period (never mentioned) and that as I 'agreed' to it I can't get my money back! Even though they never told me exactly what I was agreeing to and they should have known that when they took the money out of my bank it was past the cancelation date (dodgy if you ask me!!)

So I submitted a complaint and they said they will listen to my call and decide whether I should receive my money back, doubt il get it like.

Does anyone know how I can get it back?? I have 2 kids to feed and these ****s have took the last of my money :( I read the above comment but my bank said they can't help me as I techniqally agreed to it as I said yes, I just don't know what to do :/

Thanks x

I'm in the exact same situation as you & getting nowhere, they are ongoing my emails & I can't afford to call them as it costs to much :/ will we ever get out money back? :(

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Hi Janine,

 

Read through this thread and use the content to take action.

 

Can you give brief details of your complaint about them and what happened.

 

Don't bother calling - keep everything in writing only.

 

Have you made a formal complaint to the FOS about them. If not, perhaps write to them giving them 14 days to refund or a formal complaint will be made without further warning.

 

:-)

We could do with some help from you

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  • 2 months later...

I went through SGE loans and have been conned too by them.

When I called them to get my money back I was told that I was charged because I agreed to some premium service. They also said that they had sent me emails with vouchers, which I have not received and a cash card which I would have to pay fees for to use anyway.

 

Avoid these con artists at all costs.

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Hi Blanchie and welcome to CAG

 

You'll see from this thread that some folk have stood up for themselves and received refunds.

 

If you think it's worth a try, let us know how you get on.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 11 months later...

I applied for a loan with these clowns as well as many others at Christmas time. I ended up not going through with it as the guy mentioned a charge. I actually hung up on him. The other day I noticed that 10p had been taken from my bank account. I hadn't authorised it and I know it's only 10p but it's the principle of it. Plus how do I know that they won't try to take more money at a later date. I've tried complaining but they claim that I agreed by continuing talking to the guy when I hung up! They also claim that they have a recording and would supply me with a copy of it if I send them £10! How stupid do they think I am? I really feel for everyone on here that has had the £70 taken. It's a pity someone couldn't find the building where these sharks operate from and blow it up and do everyone a favour. People like this make me sick.

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I applied for a loan with these clowns as well as many others at Christmas time. I ended up not going through with it as the guy mentioned a charge. I actually hung up on him. The other day I noticed that 10p had been taken from my bank account. I hadn't authorised it and I know it's only 10p but it's the principle of it. Plus how do I know that they won't try to take more money at a later date. I've tried complaining but they claim that I agreed by continuing talking to the guy when I hung up! They also claim that they have a recording and would supply me with a copy of it if I send them £10! How stupid do they think I am? I really feel for everyone on here that has had the £70 taken. It's a pity someone couldn't find the building where these sharks operate from and blow it up and do everyone a favour. People like this make me sick.

 

The 10p would have been a check to see if your card was active. I suggest you contact your bank and tell them that you have not authorised any payments from your account to this company.

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Hi, I did that and they said that they couldn't help. However I have also cancelled the card so hopefully they can't take any more. Strange though that it should be 2 months from when I applied when they take the 10p. As they refused to refund the 10p I've let them know that I will let everyone know that they are sharks and shouldn't even be allowed to run a bath let alone a loan company.

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