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    • 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.
    • 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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      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.

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Halifax Loan & intrum - now Link - now Statute Barred


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I had a £25k loan taken out almost 10 years ago, was paying almost £400/m regularly and had only apx £8k left to pay.

Was suddenly not in the position to make the monthly payment and have instead been paying £40/m.

I had discussed my circumstances with them and I guess

- although they were not happy

- they must have realised that with all the interest payments over the years I had pretty much paid off the original debt they seemed to have accepted the nominal monthly payment for the last year+.

However, with Christmas, bad weather and sickness I completely forgot to make the November and December £40 payments.

And now Westcot DCA has reared its head chasing me :-(

For the last few weeks I have been receiving texts and calls (unanswered by me) from Westcot.

I did not know why they were trying to contact me so ignored them.

today I received a red letter from Westcot : Important - Notice of Debt Collection - for the whole amount (8k) outstanding.

I quickly went on line and made up the 2 months and this months payments so that I am back up to date with the normal nominal payments.

But what should I do now ?

Do I completely ignore Westcot ? And write to Halifax again

- say circumstances have not changed, the payments were missed due to oversight, and I need to continue the nominal amounts ?

Or should I try to negotiate with them to try to clear the debt with an offer (which I might have coming in within the next month or so) of apx £1k ?

For what it is worth, Halifax has frozen the total - no added interest - so all the nominal amounts have been reducing the balance.

I really do not want to get battling with dcas now....

Anyone's help is much appreciated....

Thank you.

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  • 1 year later...

25k 12yrs ago and still running....

have you got ALL the statements?

got any penalty charges?

got PPI?

is this secured?

unless the DCA OWNS the debt

then they can be ignored....

they are NOT BAILIFFS

and have no such legal powers

dx

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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Thanks Dx

 

The letter I received from Halifax this week:

"We write to inform you that we have transferred your H Personal Loan acc to the undernoted DCA as we have been unable to agree a suitable repayment plan. We have instructed Mackenzie Hall to arrange collection of the outstanding amount

Please contact MH as soon as possible to pay back the outstanding balance."

 

The balance is apx 7k

 

I just realised I had 2 loans

I have a folder full of all papers - but interestingly the signature papers missing on the 2nd loan.

 

1) Taken out in Sept 2002 for £20k, unsecured with a charge for credit for loan of £5600, making the total loan £25.6k.

(Apr 9.9%, monthly interest rate 0.793%).

I have all the paperwork attributed to this Loan.

Paid with no problem for 1 year. Then realised needed bit more money.

 

2) However, the 1st loan was then cancelled and a new one taken out in Oct 03 for £25,000. It was unsecured.

I can not find the signature paperwork attributed to this new loan

- the one that H has passed on to MH dca.

 

But have my financial records which show I started new payments in Oct 03.

 

No PPI.

No penalties - a couple of £30/charges but no more.

 

Have realised my dates are a bit out.

Problems started Dec 2008.

Been making smaller payments monthly since then.

Had a long line of dcas chasing me

- Albion, Moorcroft, CapQuest, HL legal, Westcot, now Mackenzie Hall.

 

So should I just continue my payments to Halifax ?

And write to MH advising them I do not acknowledge any debt to MH and that I will not tolerate any telephone calls from them ?

 

It is clearly the time of year that Banks, Utilitie Companies and dcas love to threaten.....

 

I just received an edf bill for double my normal annual usage,

just for the last quarter,

payable before Xmas !! grrr.

More letters to write....

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  • 1 year later...

An Update on this account

I have just received a letter from 1st Credit.

"We accept affordable arrangement offers.

We invite you to contact us to agree payment terms.

Our agents will assess the affordability of your repayment offer over the phone.

It is important that your offer of repayment is reasonable and one that you can comfortably maintain.

Our policy is that we can work together to support your commitment to repaying the debt.......blah blah"

I have been paying monthly to Halifax. Normally £20-30/m.

If I continue to make such a payment direct to Halifax, albeit there is still a £7k debt, am I ok?

Or can this dca threaten me and issue court proceedings ?

I am not in a position to offer any f&f settlement.

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std begging letter

 

have you checked who owns this on your credit file?

 

prob doesn't show mind.

 

dx

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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Just received another letter from 1st Credit:

 

Bankruptcy Proceedings Being Considered

We are unaware of any legally valid reason for non-payment of the out-standing debt or of a reasonable offer being made. We are therefore considering whether we should issue a statutory demand under the Insolvency Act 1986......

etc etc

 

Can they do this?

 

I am paying a nominal amount every month to Halifax.

I thought - perhaps wrongly - that if I continue to pay a nominal amount that they can't further a claim.

I do not have the ability to make any higher offer now.

 

For what it is worth - I have pretty much paid off the original loan, this is just the interest on the loan taken out 12 years ago...

 

I guess I need to write a letter to 1st Credit - YES / NO ???

 

I have not written to them at all.

Or should I write to Halifax and explain how much of original loan has been paid.....and that I am paying a nominal amount which is all I can afford....

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ignore the silly threat-o-grams.

 

dx

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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  • 3 weeks later...

hello again

I just received another letter from 1st Credit.

Threatening to send my details to Connaught Collections to "consider issue of a statutory demand".....

Still entitled "Bankruptcy Proceedings Being Considered"

 

This Halifax debt is not on my CRA file. Not via Halifax. Not via 1st Credit. Or any otehr DCA.

 

Shall I just write a letter to 1st credit advising them I do not acknowledge their claim as I am making monthly payments to Halifax ?

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how about you send them a CCA request

 

if there are issues as you state

with the agreement

 

then theis could be fun

and save you money.

 

I assume being of 2008? vintage

this account is not on your credit file?

 

dx

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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Thanks

 

It was 2 loans

- the first taken out in 2002;

then that was cancelled and the 2nd taken out in 2003.

 

It is this 2nd loan that is outstanding: £25k loan - with apx £7000 left on the debt.

 

Can I do a CCA on a personal loan ?

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ofcourse you can!!

 

surprised you've never done that

 

all the time you've been on CAG

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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ha ha

It is the only personal loan problem I have !!

 

Ok - I have just drafted a letter based on the CAG template and will run to the PO now....

 

I guess the money order should be made out to 1st Credit....

 

My brain is a bit dead - is this the 12 day response they need to apply ...

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£1 blank po

 

don't change the letter bar adding you details.

 

don't sign it

 

dx

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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Thanks

 

Kept the wording the same.

Added my details.

 

You sure about the blank PO ? I remember doing that once years ago to a bank and they sent it back as it was blank.....

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you are sending it 1st credit

if they are not the owners of the debt

then the po will need to be for the owners.

 

we don't know who that is really now.

 

just mark on the back

 

for CCA statutory Fee

not for account payment.

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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12+2 working days.

 

dx

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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Morning,

Letter received/signed for by 1st Cred. So guess they have to reply by end of first week of Sept....

 

In the meantime,

I just received another letter from them - an "Act Now" letter

- offering discounted settlement terms, depending on how quick I pay.

Interestingly - worse terms than Mck Hall offered in dec 2012...

 

So if Halifax passed loan debt on to Mck Hall in Dec 2012,

and they have passed it on to 1st Cred

- it will be interesting to see how 1st Cred reply within 2 weeks.

Especially as what is owed is only remaining interest payments not the original loan,

which was pretty much cleared ages ago...

 

Be back in touch soon....

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  • 2 weeks later...

well - 2 more letters from 1st Cred.

The first one was another settlement offer.

The 2nd one was another bankruptcy threat.

 

Then they sent a 3rd - saying they had received my letter and would act on it and get back to me.

They have until end of this working week....

Nothing in the post yet....

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  • 1 month later...

what should 1st credit have sent to me under the cca ?

They have sent a letter

- saying they have notice of assignment

- that they are entitled to hold and process my data;

that they are entitled to pass data onto 3rd parties if the processing is within a legitimate interest,

and fully entitled to provide data to cras....

they say my account on hold until a true copy of agreement has been received.

That was a month ago....

I wrote the above very quickly yesterday.

To continue properly:

1st Cred has presented me with assignment letter from Halifax:

"We are writing to notify you that BoS has assigned all of its respective rights, title and interest

in respect of the above referenced account (including the outstanding balance) to 1st Cred, effective xx/xx/2014."

They quote a balance figure.

They continue to say "Under the terms of this assignment 1st Cred is now the Data Controller of my Personal Data

contained in the records of my account.

1st Cred Ltd has been appointed by 1st Cred (Finance) Ltd to manage your account

and it is essential that all future payments and correspondence regarding this account be directed to 1st Cred Ltd at ....."

1st Cred write in a separate letter to me:

"we decline the [cca] request contained in your letter"

They have requested a copy of the agreement from Halifax

and my account is on hold until a true copy of the agreement has been received.

They say, upon receipt, they will contact me to discuss repayment of my outstanding balance.

SO:

what does this really mean for me ?

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bugger all really

until/unless someone produces an enforceable CCA

 

 

they are stuffed

 

 

dx

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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oooh,

 

And is there a time limit on them getting the true copy?

 

I sent the cca in mid August.

They replied by start Sept.

And we are now 4.5 weeks later, start Oct.

Or do I just hope and pray that my original paperwork has fallen between the floorboard gaps....

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  • 4 weeks later...

I am still waiting for any paperwork from 1st Credit.

 

I have noticed today that the default date from Halifax is early 2009 - which would mean it should disappear off my CRA file early 2015.

 

If 1st Credit do not provide the necessary original paperwork that I requested

- then 6 years from default date in early 2015,

does that mean that 1st Credit are obliged to stop chasing me ?

And I can write and tell them this?

 

Or can they chase me for as long as they want?

 

Will the account (debt) be statute barred 6 years from early 2009 ?

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answered on your other thread regarding SB issues.

with or without an enforceable CCA, & if/if not the debt is SB

in England and wales the debt still 'exists'

and you can be 'asked' for payment.

however you say you've been paying it so cant be SB'd?

but if it were SB'd

you can also 'ask' them to go away off too.

however, its always better to never invite letter tennis.

dx

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.

I think I will sit quietly then.

Hope that this will disappear from CRA very soon then - at a key moment for me, as am trying hard ot improve credit rating.

 

But I am a bit confused on what statute barred means - if it seems the debt "still exists!....

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