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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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Capital One Credit Card Debt - Fredericksons now on the scene!!


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hello everyone ,

advice needed really,

credit card company

i have been paying reduced payments below minimum payments requested for a few mths now with agreement with creditors,

low earnings/circumstances changes etc.. none missed ,

 

had agreement to do this they froze interest payments during this time have been repaying mthly from the internet through my bank with no problems right up to now

 

not been getting any statement to pay for mths

 

but got a letter from lowells other day saying they had bought debt and wanted to speak to me ref to paying of debt ,

hope i have done this right,

sending of cca request plus a validate debt letter to lowells,

also wrote to cc company to asertain when they charged off my debt , has could have been paying into there acoount after they disposed of debt for a few mths now,

 

i know i owed them this money anyway but will i be able to get back the payments made to them after they sold on my debts?

 

do i send a sar to my credit card company after i received a reply from lowell?

 

thanks:?:

Edited by bezzy0_0
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Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Also, please try to contain your issue to one thread.

 

thanks

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA - this is known as a Notice of Assignment. Until you have this, as far as you are concerned the debt legally still belongs to the original creditor.

 

I suspect Lowells have bought the debt legitimately, so it might be worth writing to them and saying you have received no NOA from the OC. Until you do so, you have no choice but to continue your long standing arrangement with the OC. Once you receive the NOA then you will, of course, transfer this payment across to Lowells. I wouldn't even mention the possibility of any changes in payment or whatever, just assume the same payment will transfer across once everything is in order and let them approach you if they're unhappy with this.

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As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA.

 

Tingy is this correct?. As i have never ever received a "Goodbye" letter from an OC regarding debt transferral under an NOA!. As far as i'm concerned it's always the new owner who acknowledges the purchased debt.

 

Regards

 

PB68.

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Same here always the DCA that introduces themselves as the new owner. Have had NOA on OC headed paper, but they were never been sent by the OC, I even sent a copy of one of these back to Barclaycard and asked did they sent it,, they said no, the new owner did, but as this was 1st Credit what do you expect.

 

By the way, I am now the new owner of your outstandig balance, payment must be made within 2 hours of reading this letter.

This assignment is valid if not even read by you.

 

Failure to pay will result in me throwing my toys out of the pram. This will initiate engulfment of your letter box with senile drivel of action that will never take place.

 

Anyone can say they own your debt, but doesn't say they do legallly

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Sincere apologies folks,

 

The goodbye and hello letters may well come together in the same envelope as your NOA, nut nonetheless there should be your NOA "Goodbye" from the OC even if the new DCA actually sends it.

 

Hope this makes sense now. Sorry!

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Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

 

thanks for reply , appreicated , sent 28th feb caa and query about doa request and prove it letter, to lowells and sar to cap one the original oc , recieved reply today from lowells today 4th march , no mention of prove it , no deed of assignment , and claims noa sent 8th feb and said they will contact cap one for cca and will get back to me shortly hopefully in 12 days time frame, is this standard reply and what should i be doing next ,thinking of asking oc for doa next and since i did not recieve the noa push lowells to provide proof of posting.:???:

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A deed of assignment you will not get, only a Judge can demand sight of this, what you are referring to is a Notice of Assignment (NOA), this should come up in a SAR to the OC.

 

Whenever such a laughable outfit such as Lowlifes make contact, the first response is to ignore them, then if they persist, a No debt Acknowledged letter should be sent putting them to strict proof of the alleged debt.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thanks for reply, is that 'the prove it letter' you refer too? also do i need to ask for £1 postal order back has the dca are not suppling this, it will come from the oc they are asking it from? thanks

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In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

 

thanks silverfox,suspect wont get the cca back in timeframe , will definetly send letter in dispute strightaway , aslo should i not mention yet that i had not received the noa yet which they claimed to sent in feb, keep it back UNTIL after they replied to dispute letter:???:they have to prove of posting -rec/del of that action i believe ,

Edited by bezzy0_0
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Hello everyone , i have in been letter tennis with cap1 couple months now about my cca but more important they have been not responding in any way to my cputr 2008 request letters(no surprise there then) has to do they hold a current enforcible cca , (sorry dont have a scanner)had a reply from head of execuitve response centre which says:

 

i acknowledge that you are directing our attention to the consumer protection regulations 2008(CPUTR).i can confirm that we have in no way misled or decieved you and we are not going to change our postion. is this misdirection tactics?, has i feel i am still justified pursuing them to answer the question put to them corrrectly and in full? they have still in my opinion not answered that they do indeed hold a current enforcible cca.

 

As i mentioned earlier in my previous letter , you now have the option of contacting the financial ombudsman.Although we have provided you with their contact details, it is our understanding the financial ombudsman service may choose to not consider your case has issues regarding the enforcibility of consumer credit agreement would better considered by a court.i must now inform you that any futher contact we recieve from you on this subject will be acknowledged but we will not enter into any further correspodance.

 

well if they wont answer cputr question and will not enter into any further correspondance , where do i go from here with them , still push for proper answer with no replys from them ?:???:

Edited by bezzy0_0
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Do the same back to them, send a final Account in Dispute letter, and add a similar paragraph on the end of it as in theirs! Personally I would send it recorded delivery and make sure you keep their letter, and a copy of the notice of receipt of your letter as posted on the Royal Mail tracking website.

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  • 2 weeks later...

Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

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Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

 

hello , thanks for reply, my cap 1 account is around 10 yrs old approx and i stop paying very recently, yes, i sent sent cca request with the £1 fee

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bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

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bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

well not misleading has such,i am quite aware that they have satisfied my cca request with there reconstructred copies, but my question was that they are very reluctant to answer any question put to them direcly to do with cputr 2008 (which makes very suspious off them- why dont they answer) , if they had an enforcible cca would it not be so simple to state that in a reply, esp that i am asking do they currently have properly executed original cca, has my agreements are around 9 to 10 years old.

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..why dont they answer..

 

 

 

because they don't have to!

and also, ordinarily they prob won't because it is for a court to decide upon the enforceability of an agreement in the circumstances. but, if a dca/oc does happen to make a misleading statement etc re enforceability etc then they may be in breach of cputr?

is there any chance that it is statute barred?

any charges/missold ppi involved?

also consider s127 and/or s140 cca

the reconstitution has to be accurate? (see for eg the Kotecha case)

is the default notice compliant?

imo

Edited by Ford
typo
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I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

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I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

thanks for that dotty and ford , appreciated, will go through cap1 threads again more closely, even though been on this great site a little while ,so much input to take in ,and i will purchase a scanner and put up what all they have sent me in there replys in regards to the cca request.

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