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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Attempting repayment plan with Cash Genie


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I have a loan with Cash Genie for £250 with £75 interest. I emailed them regarding a repayment plan, below is my original email, and then their reply;

 

Hi,

 

I'm having some financial difficulties and would like to be put on a payment plan so I can get things back on track, and start using your service responsibly again. I have paid the rollover charge up until next month, and would like to start my repayment plan then.

 

I would like to offer:

 

February 22nd - £50

March 22nd - £50

April 19th - £50

May 17th - £50

June 14th - £50

July 12th - £75

 

I would like all communication to be made via email, so I can try and keep on top of what I'm trying to sort out.

Please advise.

 

Hi,

 

Can you please send us copy of your income and expenditure first before we can formally enter you into a payment plan. I attached here the form. Please fill it up and send it back to me.

 

I will temporarily set it but once we receive the form, we'll formally confirm the payment plan.

 

We also need to add 1 month interest to your outstanding since you are going to pay it in a longer period of time. So your outstanding balance would then be £400.00

 

Are you going to use same card details?

 

Kindest Regards

Maricel Suba

 

What should I do next, how much info should I give them etc.

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Could you post that I&E form up please? Sending an I&E form isn't necessarily bad, IF it doesnt go into detail about your finances. The most they are allowed or should have access to is a simplified summary.

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

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sure thing

 

Income and Expenditure Form

 

Loan ID: Customer Name:

 

No. people in household:

 

Income

 

Earnings – Self

 

Earnings – Partner

 

Child Benefit

 

Working Family Tax Credit

 

Other Income

 

Total Income

 

Expenditure

 

Rent/Mortgage

 

Council Tax

 

Water rates

 

Gas

 

Electricity

 

Phone/Broadband/Mobile

 

TV

 

Food

 

Insurances – car / life etc.

 

Petrol

 

Child care

 

Clothing

 

Cigarettes

 

Other

 

Total Expenditure

 

Surplus income available

 

Creditors: Balance:

 

Council Tax Arrears

 

Rent Arrears

 

HMRC

 

Quick Quid

 

Cash Genie

 

Lloyds TSB

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Earnings - partner is not needed.

Child benefit is not needed

 

 

Surprisingly that I&E apart from those two things is semi-ok. ALthoug really you should just say "here's what you get". And sign it as a statement of fact. I'm still of the opinion that a PDL has no reason or need to see an I&E. If anything they get a simplified budget summary and thats it.

 

Can i ask if they put QQ, CG etc at the bottom? As that is NOT allowed.

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

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Then reject it. This PDL and others is well known for sharing info. They will take your info, contact the other PDL's and try and obtain bank details or other payment details IF you had loans with them. Then they would strip your account.

 

Just tell them your offer of repayment. If they refuse it, say "ok. You know i cant afford more, so until you accept, you are now getting £1 a month". Remember, even if they took you to court ( which is a long way off if it even happens, the court would NEVER make you pay more than you could afford. The PDL knows this very well, thats why they threaten and harass you to try and get more out of you.

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

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So I can send back a shorter reply? I was thinking along the lines of

 

Rent, Food, HP, Loan Repayments, Phone bills, Bank charges

 

Also should I add in the £50 I am proposing to pay them? Or leave that out for now?

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yea, you can do it like that if you want. Thats pretty much the same as a simplified budget summary. Even if you did decide to fill in that I&E form, CG will simply tell you to forgo some things or tell you to ask your creditors to accept lower payments so you can pay them.

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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OP. Please note that only a Court may order you to provide any form of income and expenditure breakdown. Do not pay these leeches anything at all. Google the return address of an letter received, prior to opening the envelope, and if it is sent by a DCA or payday loan shark, simply write "Return to Sender" and place it in the nearest post box (no stamp required). Such organisations are unworthy of your attention. In the unlikely event of your being taken to Court, there are many useful posts upon CAG which you may find extremely helpful.

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Not only a court. High priority creditors can, such as mortage etc. Low priority such as PDL's can go play with traffic.

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 weeks later...

An update on the Cash Genie situation. Have had no response since I emailed a summarized outgoings to them. Just sent them the following email; fyi my payday/due date is this coming Friday.

 

It has been 18 days and I have had no response to my queries. I have given you adequate notice about my current financial situation.

 

Please respond by Wednesday confirming my proposed repayment plan of £50 every 4 weeks. If I still have no response by then, I will have no choice but to cancel any CPA between you and my bank, and have to look to the OFT for guidance.

 

I shall not be paying another extension fee on my coming payday while I am waiting for official confirmation of my payment plan from you.

 

Thanks.

 

I sent it to the guy who emailed asking for I/E, and CC'd it to the Cash Genie main customer support email. Was this the right response to send?

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I would cancel the CPA anyway. IF they get a hint you will default, they have been known to use the CPA to strip an account clean.

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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If I cancel the CPA can I still make payments to them from that account? If they don't co-operate by Thursday I'm sending my file for Cash Genie to the OFT, I want it to look like I've attempted to solve this as much as possible.

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You can, but only make payments in the form of a standing order, or postal orders. Never give them your bank info.

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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It can do. Thats why we advise you create a Standing Order. Don't let the PDL have the info so they can create it themselves.

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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