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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Lowell/Carter claimform - old Littlewoods cat Debt ..**Settled by Consent Order** missed payments - now AOE -


jboyd83
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Hi all

 

I have debts with Littlewoods, Next and hubby has one with Very

(along with other debts such as credit cards and a store card but these are the 'catalogue' debts).

 

We are struggling to pay any of our debt and need to make some payment arrangements.

 

I have noted that there is a CCA request which is often used by people to see if the debt is enforceable,

 

I am not sure when these ONLINE accounts were set up but believe it was 2007/08.

 

Can anyone advise if we are able to take any steps in regards to CCA...

Also, would you advise to CCA them anyway and see what happens?......

 

In either instance can we claim back all the late payment fees etc from these debts?...

 

.I understand I would need to SAR them but after that not sure how to actually request the fees back so a little advice would be lovely please.

 

Thanks guys :)

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Hi,

 

All the charges are re-claimable, once you get your SAR details back re post her and we will help you with a claim.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Hi all,

 

some of you may know that Ive been having trouble paying my debts and wasnt sure how to proceed....

 

I took the path of waiting for creditors to default me so that the 6 year s on my credit file would drop off quicker than an arrangement to pay.

 

I have not mad any payments to anyone except WONGA who I have paid 2 payments of £5 per month.

 

I have recieved a few letter stating my account is in arrears but

 

today I have recieved a letter from a DCA called NDR entitled

 

'notice of instruction to proceed'

 

which includes the words

 

'WE GIVE NOTICE THAT UNLESS THE ACCOUNT IS PAID

- OR A SATISFACTORY REPAYMENT ARRANGEMENT IS MADE WITHIN 7 DAYS,

OUR CLIENT WILL TAKE THE FOLLOWING ACTION:

 

* register a default at the credit reference bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future.

 

 

Can anyone explain what this means for me, what you might suggest my next steps may be and is this a NOTICE OF DEFAULT?

Thanks alot guys :)

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std bowlarks designed to make you contact them.

 

only lttlewoods can send you the default notice

 

dx

  • 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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NO it's not a proper default notice imo it's a threat as it does not state in particular the specific amount to remedy the default and no specicic dates are shown.

 

If this is the 1st contact from NDR send them a CCA request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks alot guys, as I suspected. Yes its the first contact from NDR....so you say send the CCA request to NDR and not Littlewoods then?

Thanks again :)

 

Yes to NDR

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks alot Brigadier :)

 

Think the account was opened online after 2007 so I suspect requesting a CCA doesnt make much difference to me as they probably have something somewhere to clarify the agreement, but we will see....

 

However, if I was to send an SAR what can I reclaim?...late payment fees etc?

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yes

& PPI

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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  • 2 months later...

Hi lovely people

I recently sent a CCA request to NDR for a Littlewoods Account. I recieved a letter back like this :

 

We refer to your request for a copy of your credit agreement.

In accordance with the Consumer Credit Act 1974, please find encosed the following documents:

1. A reconstituted copy of your credit agreement sent to you at the time of opening your account;

and

2. A copy of your current credit agreement, which includes all applicable contractual variations and amendments that have taken place since your account was opened.

 

According to our records your account was opened on 25.06.2008. The current outstanding balance on your account is XXXXXX. Our records show an amount of XXXX has become payable but remains unpaid.

 

Enclosed is a sheet entitled Credit Agreeent regulated by the Consumer Credit ACt 1974 and underneath is my name and address. It then shows Key Financial Information, then two boxes where in one I presume there should be a signature and date as it says and in the other it says DOB, TEL, ACC NO. There is nothing written on the dotted lines at all, no signature or details etc.

 

And the rest is a bit about sharing information, are you having difficulty etc tec.

In the meantime I have moved house meaning I havnt made it a priority to chase this query up and have just recieved a letter dated 30th April 2013 (neighbour asked for my post from old address) with a notice of default, giving me until the 13th May to respond.

 

What Id like to know is:

Is the reconstituted CCA they sent me a valid copy of the agreement?

If it isnt valid was I supposed to query this before they managed to issue a Notice of Default?

What would you advise my next steps be?

 

Just to clarify, Im not concerned about being defaulted...Id prefer this to a status of 'Arrangement to Pay' on my file due to the 6 year drop off.

 

 

(Oh, and Ive updated my address with Littlewoods regarding this account)

 

Thanks all for your continued help with this :)

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 I could do with a little advice as I think I may only have a couple of days should I need to respond to NDR/Littlewoods regarding this Default Notice and my CCA request (which Im not sure if they have sufficiently fulfilled.)

 

Thanks :)

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you need to scan up your agreement so's we can see it.

 

did you get those sar's off too?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Right..

 

.have to get kids tea out of oven first before I burn my new home down and end up in more trouble!!

 

Will take it step by step as soon as I am sorted (when kids fed and little ones tucked up in bed)

and try my best to follow your instructions on uploading that agreement...

 

.which are very kind thank you x

Back asap.....

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that could be anything by anyone

 

its NOT a valid CCA by far.

 

whers the rest of 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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Share on other sites

Page 2 is the 'Further Terms and conditions' it has no spaces for names, dates, signatures, merely a general breakdown of the terms and conditions.

If you really need it I will put it up? But it has no personal info on it whatsoever.

Cheers :)

 

Would you like me to attach the 2nd page? If not what would you suggest my next move is?.....the time is up for providing a copy of the original so should I send some other letter now?

 

Also just to say again (as I know how long threads can be to read through especially when I keep updating them) this account was opened 2008 and online. Incase this will make a difference to my situation/and next steps to take.

Thank you :)

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Hi just a little bump to see if anyone read my last post about this debt being 'post 2007' and an online agreement?

 

Right,

have drawn up the SAR letter and hubby is sending it off recorded delivery as advised.

 

What Im slightly concerned about though is the possibilty of them and other creditors starting up court judgement proceedings in the meantime...

..can they do this without the original CCA?

Would I have to contest it before they issued proceedings...

...or is there plenty of time for me to see if the debt is enforceable with the help of you lovely people?...

 

.I dont want to ignore my debt but if it is unenforceable then I would definitely prefer to take advantage of that rather than paying a few quid here and there forever.

 

I apologise for keep asking questions its just that the thought of court proceedings scares me to be honest.

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I wouldn't worry too much about court for now

 

that's a VERY long way off

 

and typically the OC or their in house lot

 

don't do court on cat debts

 

they'll sell it on.

 

await that SAR.

 

stay OFF the phone

 

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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Ah thanks for that, makes me feel less panicked. I dont do phonecalls AT ALL, cant be bothered and only answer if I know exactly who it is anyway and theyd be sharply cut off if not.

Ok so Ill await that SAR and update as and when, thanks again all of you :)

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Oh for goodness sake Im getting myself in a right pickle here....

 

Im mixing my debts up and getting confused which one has done what etc..

 

...I havnt actually SAR'd Littlewoods..

..only CCA''d them,

 

its actually CAPITALONE Ive SAR'd (another thread altogether).

 

Ok,

 

I have the recon copy and you have said its not a valid one..

..what should I do now then?

 

Sorry you lot, its so easy to get muddled when trying to wade through all this mess :(

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get a sar off

 

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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Share on other sites

Send the account in dispute letter for the CCA request.

 

It has to be remembered there is the possibility that the creditor/DCA may produce a compliant 'reconstituted'' agreement and evidence of usage of a credit facility which could lead a judge to conclude that liability subsist, the lack of the CCA does not extinguish the debt which remains payable.

The SAR is important!!

As to creditors/DCAs starting court action I think you are a long way from seeing this at present, there is a long process before anything gets to 'judgement' stage.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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