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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.
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Egg (now Barclaycard) was PPI now Unenforceable...what next please?!


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Hello and thanks for your amazing forum :) I hope you can help, I've read loads of posts but can't find anything that matches my scenario: (I'll try and keep it brief!)

 

I've got a C/card which was with Egg and is now with Barclaycard due to their purchase of egg. It's now down to £4300, (was more like £6k I think) I originally took it out in 2003 odd. I knew I had PPI with them, and so sent off my £1 and asked for my agreement, and have got back a letter which I wasn't expecting, stating that:

 

"We are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the Act. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues.

 

With immediate effect we have suspended your Barclaycard account (that's ok, I haven't used it in over a year, just been trying to clear the debt) We have taken this action because in our view there is a significantly increased risk that you will cease to make payments to your Barclaycard account. This is a temporary measure which will be kept under review. We have not closed your account.

 

It then goes on to talk about cases where people have tried to get money back and failed, and says that I "should continue to pay".

 

I've read loads of posts and forums about unenforceable debts and am confused. I also know that a lot of the account is made up of charges from when I couldn't pay. I am currently paying a really small amount monthly and have done for 1 year, since I wrote to them with my income and expenditure and offer to pay, while making regular payments so they had to accept it.

 

Obviously, I was just looking into PPI and then was going to look at charges, but if I've got an unenforceable debt, can someone please advise what should I do now? I would love it if they would write the debt off. I have other debts which I am also looking into for PPI/charges, my total debt is £23,000. I have been struggling with debt for 10 years now, and it's time I put a stop to it. I now am proud to say I live within my means and intend to never touch credit again.

 

Thank you for reading.

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i would suspect that ppi from 2003 will wipe this debt and charges from upto 6yrs ago, will put money in your pocket!

 

if you've got all the statements

 

get reclaiming!!!

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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So the account is now in dispute so you don't have to make any payments at present.

 

The good bit, just as dx has said, I bet there are also other charges that can be claimed back as well. It couldn't happen to a nicer bank, they hate people like you. If you haven't got all your statements etc that will allow you to calculate charges and ppi payments, then sar them and get the lot.

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  • 2 weeks later...

Hi again, First of all, thank you so much for your encouraging replies, and Secondly sorry for the delay in responding, as a self employed person, finding the time to deal with this (and keep food on the table) is very difficult.

 

Firstly I should say I think I cancelled the PPI after about 2/3 years (when I realised it was costing an arm and a leg)

 

I don't have statements, and would need to go the SAR route (have looked at the template), but not sure if I would be better just trying to get them to write it off - rather than going after them for charges to be refunded to me....and the hassle that entails...I have drafted the following letter, (after reading several advise sites and taking parts from other template letters) and I would be very grateful for your thoughts...

 

 

Dear (name)

 

A large amount of the account balance is made up from your charges which have contributed to my serious financial difficulties. These have been proven in numerous other cases to be unfair as they were contrary to the aims of the Lending Code (Section 9) and Banking Conduct of Business Sourcebook (section 5.1.4 ‘in particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty’). For many months my personal income decreased, and I had to make regular cash withdrawals using the card to make ends meet.

 

Pretty much every month I would get a letter saying my credit limit was increased, I never asked for this. These credit increases were irresponsible on your part.

 

My low income has been consumed purely on paying your interest and your charges. In the last 5 years I have repeatedly struggled to meet basic necessities, food and utility bills because of the interest and these charges. Despite this I have attempted to make payments.

 

I am now reviewing all terms under which your lending was conducted via numerous accounts to, and with various creditors, with a view to either claiming back unfair charges, miss-sold Payment Protection Insurance, writing off debts, entering into an IVA or going bankrupt.

 

As you are unable to provide the required documentation, and the agreement is therefore unenforceable, I am requesting that you write the debt off.

 

I look forward to a full response to this letter within 14 days and if I do not receive a satisfactory response I intend to pursue my complaint to the Financial Ombudsman Service at the earliest opportunity.

 

What do you think? Many thanks again.

 

(NB - I have already started getting phonecalls from Barclaycard, and have been avoiding them).

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Look up chargephone numbers - free for you, they pay to call (I used flextel), and write informing them of your change of number. I did this a few years ago, they deleted my home and mobile numbers, now I just get an email saying they've called (I've never listened to the messages). I must have got a few pounds as well, but haven't checked - stopping them calling me was the main point! Before then, even when I wrote demanding they cease calling me and threatened to report them to the cops for harassment, they carried on - it was necessary to change the number.

Great being able to answer my home phone again.

 

One other point - they repeatedly upped my limit without telling me, it was on my statements - but nothing was done to draw my attention to it. Under current practice (which they claim to follow), they have to at least inform you how to stop a rise in the limit - but they never told me this. And I have proof, in the box of papers I received when I SAR'd them last year.

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  • 1 year later...
  • 3 years later...

Hi all, especially BelstarBomb, dx100uk and Conniff - and thanks for the comments all those years ago!

 

Well, to update, this has disappeared for 4 years, and has just raised it's ugly head again! I've just had a letter from a new collection agency, asking for the money. (Standard 'we've been passed your account, please call us to arrange a monthly payment or we can take action).

 

So to update: the last correspondence from Barclaycard was in 2012, and was as follows:

 

 

"Dear Miss Pendleton

 

Re: a/c

 

I refer to your request for information dated 19/05/12.

 

The information we must provide to you under the terms of Section 78 of the Consumer Credit Act 1974 (the “Act”) is prescribed by the Act and by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Section 78 of the Act provides that, where a creditor receives a Section 78 request, the creditor shall give the debtor a copy of the excited agreement (and any document referred to in it) and a statement of the account.

 

A statement of your account is below:

The current credit limit on your account is £0.00

The current balance on your account today is £4,368.22

 

Due to the current status of your account, the full outstanding balance is now due.

 

We are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the Act. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues.

 

With immediate effect, we have suspected your Barclaycard account. We have taken this action because in our view there is a significantly increased risk that you will cease to make payments to your Barclaycard account. This is a temporary measure which will be kept under review. We have not closed your account.

 

Notwithstanding that we cannot currently enforce the agreement, our rights continue to exist under the agreement. You should therefore continue to pay the debt that has accrued on your account. We can and will continue to take any action short of enforcement, which includes reporting to credit reference agencies without telling them that the agreement is currently unenforceable, demanding payment from you, issuing a default notice to you and instructing a third party to demand payment or otherwise see to procure payment. We refer you to the case of Philip McGuffick v The Royal Bank of Scotland 92009) RWHC 2386 in which it was help that none of these steps constituted “enforcement” for this purpose.

 

Please note that the decision in Carey v HSBC (2009) EWHC 3417QB makes it clear that an unfair relationship cannot be said to have arisen between us as a result of the fact that we have not currently complied with section 78 of the Act. The the extent that you seek to allege that an unfair relationship has arisen, such allegations will be opposed.

 

Karen Moore

Barclaycard Customer Services."

 

Today I called the collection agency and basically read the 'unenforceable' line to them - and they asked me to send a copy - so they've put the account on 'temporary suspension' while I do.

 

Seems there's no way Barclaycard can make me pay this back, but is there any way I can get it to go away? I've still no confirmation if there was PPI on the account...and it still feels like it's hanging over my head. Thankfully I don't need/want to use credit but I'm sure if at some point I wanted to get a mortgage, this is going to screw things right up.

 

Advice really truly appreciated. The fact that there was expert advice the first time around, really made me stop panicking, and I'm in a much better place to be able to deal with this now. Thankfully :)

Thanks in advance.

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well stop ringing powerless dca's

they are not bailiffs

 

 

is this debt still on your credit file

I bet not

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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...further to this....

I've been digging around in old folders,

 

I've found a letter from 2006 where I cancelled 'Cardholder Repayment Insurance' with them (I had realised I didn't want and couldn't afford it.)

 

The account had been open in 2003, and so PPI was running until 2006 when I started to struggle with money...

 

and, although, regrettably I don't have any statements at all

- I do have a letter (just the one) with an unpaid direct debit fee notification of £16.00.

 

I guess, these two things do work as proof of PPI and unfair charges, which, means they definitely owe me money?!

 

 

 

...is this debt still on your credit file

I bet not

 

I've just signed up with ClearScore, and I can't see it in there anywhere - so, no?

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try noddle too

make sure all you old addresses are showing too in linked addresses

if you've moved since taking this out as well

  • Confused 1

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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thank you :)

 

Unfortunately, Noddle can't verify me, (tried twice), and in ClearScore, it only allows 2 previous addresses, neither of which are the address which I was living at when I originally took out the card.... :???::|

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id let this run..

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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Hi Lizzie,

 

I no longer live in the UK so don't know how the consumer credit laws may or may not have changed.

 

My initial response would be to let it run.

 

My only concern is that in calling them, you have now confirmed your address which may allow them to apply a DN etc.

 

I personally, would not have responded.

 

If they continue to chase you, if you hadn't claimed your PPI back, I would tell them that as the owners of the debt you will be claiming the PPI back from from them unless they discontinue their action and confirm that no detrimental information will be posted against you at your address.

 

I'm sure the amount you could potentially claim is way more than they paid for the debt......

 

Good luck!

 

Bel

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