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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 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. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • 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.
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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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I think you need to let the oft see that. Im sure its unlawful.

 

On the letter its got NDR and their address both as 15 lyndhuurat terrace london NW3 5QA

Seems nothing at all has changed but the name theyre using. How theyre gettin away with that is unbelievable

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Because nobody is reporting them tink. Thats how most PDL's get away with it. Only a very small minority know about their rights and the regulations they must comply with. On sites like CAG, theres probably only around 2-3% of people that take out loans asking for help.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 years later...

Hi All

 

I haven't heard a peep from any company regarding my old speed credit loan since 2013 and today I've getting an email from united Kash claiming they are are collecting for my MCO capital loan, they want over £2000 for my original £150 loan that was took out in 2012, can I just ignore them??

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Can anyone advise what I should do, I'm I OK to ignore them, they dont say they own own the debt the email says in respect of my speed credit MCO capital loan from 2012 I need to call and pay

 

Is this company just like the many other companies that have been ran by the tooyhfaiy/speed credit lot

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They cant mark your credit file and they certainly wont go near a court for a debt thats comprised of unlawful charges

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The problem is,WHO OWNS THE LOAN.

A couple of years ago,people were receiving emails from a company called Digital Financial Services,who stated that they were now the owners of all MCO loans.This company was owned by an ex directer of MCO,there is proof that money paid to DFS,did not go to paying of the Speed Credit loan.It was siphoned off to other accounts.

Then everything went quite until about March of this year,when people received a letter from BPO collections,who were collecting for Cash Choice UK.Paul Micheal Whelan is a director for Cash Choice and also a director for MCO capital.I believe he was made custodian of MCO by Price Waterhouse Cooper.

Then this week,people have received emails(myself included) from a company called United Kash,who want a grossly inflated payment.Their email does not say who they are collecting for,only making reference to a loan from MCO (Speed Credit).

United Kash is owned by an American company called Harvco LLC,or they are a major share holder.

I phoned BPO collections on Wednesday,they told me that they had returned all Cash Choice (MCO) accounts.So,something must not be right.

When I paid my MCO (Speed Credit account),the money went to an account held by CIM technologies.This was over 4 years ago.It seems now that the plot has thickened further.

So I would advise no one to pay anything until we find out who the real owners of the loans are.I am thinking that any payment made now,might not go to rightful owners.

 

Regards,John.

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Thanks you for the replies and advice

 

It seems very strange that its been quiet for a few years and now a company's collecting for the debt again, and as you say they don't mention who they are actually collecting for.

I moved a year ago so I dont know if any letters have been sent to that address.

I'll hold tight until information of who actually owns the debt comes to light

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Tinkerbell.

Looking at the email that Ripped off received from United Kash,it states the following,.....

 

United Kash Limited is writing to notify you that MCO Capital Limited(Trading as SpeedCredit) Limited has sold and transferred to United Kash Limited all rights to its claim against you.

It therefore means that United Kash Limited owns the debt mentioned above. United Kash Limited will contact you to discuss the loan along with claims against you.

 

But that was not in my email.

Going back to my previous post,I said that MCO loans had been passed around a bit.I forgot to mention that Web Loans Processing were trying to collect them,who were feeding from the same trough as MCO.

Then Loads of Dosh bought the debts,then DHR Capital were trying to collect.

But,do not panic,as you are in safe hands on this forum.

 

Regards,John.

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I have received the same e mail today which basically says I owe £400.

 

I borrowed 2-3 times from speed credit but that must have been quite a few years ago. I always paid back on time and definitely owe nothing. Are they just sending these out to everybody that borrowed from them in the hope that people will just pay what they don't owe ?

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Ignore for now as they wont do anything. If they try to force your hand, send the prove it letter from the CAG library

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I phoned United Kash today,I spoke to a Mr Chris Prime who is a director of the company.

They are now the owners of all MCO loans.He is quite aware of the history of MCO.

He told me that no one will be paying the grossly inflated sums,it will be more or less the original loan figure.These figures were based on the daily interest figures that were on the Speed Credit files.

Anyone with proof of payment to show that your MCO account is closed,can send the details to United Kash,then it will be removed from their files.

I hope that this has answered some questions.

 

Regards,John.

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As yet,I have received nothing from them.I will give them a couple of more days.

United Kash by what I have been reading about them,seem to be the owners of a few pay day loans,or claiming to be.As I have said in a previous post,several companies seem to claim ownership of the old MCO loans.

I own the loans,but I do not have any proof,just believe me.

 

Regards,John.

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Just saw this in my spam box... Am tempted to provoke and ask for a Notice of Assignment but I doubt that will product anything useful...

 

This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £800.00.

 

If you wish to get into contact to discuss your loan, please call United Kash Limited on or email

If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 20/08/16.

 

Yours faithfully

 

-------------------------------

 

Christopher Prime

 

United Kash Limited

United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL.

This is how I spend most of my life :ranger:

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And another received today for good measure...

 

This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call us on and pay the amount due £800.00.

Or:

 

• Propose to pay your account by instalments if you are unable to pay in full

 

• Request us to call you back at a time convenient to you

 

• Advise us if you are using a 3rd party Debt Management company

 

• Set up a payment plan

 

If you wish to get into contact to discuss your loan, please call United Kash Limited on or email

 

If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 28/08/16.

 

Yours faithfully

 

-------------------------------

 

 

United Kash Limited

United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL.

This is how I spend most of my life :ranger:

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  • 2 weeks later...

I've had an email if united Nash tonight saying its there final reminder before they take legal proceedings against me and that if goes in their favour I will incure more costs.if I get in touch now they will take 75% of 2100 off and accept £300 to settle the account.

I've never had a notice of assignment off them to say they own the debt and if they can wipe 75% off surely they won't go any where near court with all those stupid charges that's been added on?

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I did mention it in an previous posting or thread,that United Kash told me that they would try and settle for more or less what the original loan was.They were working on figures taken from the Speed Credit loan sheet,which included inflated interest.So if they are prepared to chop 75% off the loan,this might be the inflated interest.I can only tell you what they told me over the telephone,as I do not have it in writing.

As these accounts have been passed around various companies purporting to own the accounts,I do not think anyone has received a NOA.

All I can suggest is that you email them,then you have everything in writing.

 

Regards,John.

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All I've had are emails saying "We are suspending action till next week"

 

The advice generally given is offer to settle by DCA = bad debt / unenforceable need to find the reason why.

 

Whilst you may want to settle for £300 I would certainly not part with any money until you are 100% sure they own the debt.

 

You need a copy of the NOA and statement of account.

 

I'm ignoring the emails I get from them till next week :p

 

In all seriousness, a 75% reduction is a significant reduction and my personal belief is that won't go anywhere near a court with an offer like that. Open to correction of course.

 

Also do your Noddle and check if they've put back the account on there.

This is how I spend most of my life :ranger:

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All I've had are emails saying "We are suspending action till next week"

 

The advice generally given is offer to settle by DCA = bad debt / unenforceable need to find the reason why.

 

Whilst you may want to settle for £300 I would certainly not part with any money until you are 100% sure they own the debt.

 

You need a copy of the NOA and statement of account.

 

I'm ignoring the emails I get from them till next week :p

 

In all seriousness, a 75% reduction is a significant reduction and my personal belief is that won't go anywhere near a court with an offer like that. Open to correction of course.

 

Also do your Noddle and check if they've put back the account on there.

 

Checked noddle the accounts not on there.

My email says they've suspended action for a week too.

I too have been ignoring their emails,I'll ask them for a NOA and see what happens

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They've sent me a notice if assignment saying MCO capital has sold the debt but is that enough proof they own it as MCO capital never informed me the account has been sold.

I asked for a full breakdown of account but they never sent me that

 

Is this enough proof, as I'm not prepared to pay anything to them until I've got actual proof they bought the debt

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