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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. 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. Can a PPC (claimant) 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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Central Trust penalty charges - need help to raise a court claim


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Hi am after some advice.

 

About three years ago

 

My wife and I were struggling on just my wage and running up quite a few small debts.

 

We foolishly took out two secure loans of 12 and 14k.

 

We have been paying these regulary.

 

When it all started going t*ts up with the banking industry they raised the interest rate.

 

We carried on as before but last week we received a letter saying they would probably be forced to raise the rate again

as they were only a small company and borrowing was becoming increasingly expensive for them.

 

As well as that they included a business card of a home finance company which they said might be able to help us out.

 

It seems they are trying to force us to borrow else were and pay them off.

 

Also can they just increase their rates when everyone else are dropping theirs.

 

Thanks for any help

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Hi.

 

Had the same letter today.

 

Put a rocket up their backside.

 

Told them it was just a marketing ploy and that they had passed my details to another company completely unsolicited.

 

They CANNOT force us to change to another lender and neither should you as it will generate money in commission for them

and off load their debt while costing you more "admin" fees.

 

They laid off 180 people this year and their managing director qouted "this is the darkest day for the company".

 

They clearly need to raise some cash.

 

They can raise their interest rate as its variable but they would have to justify it to the FSA.

 

I have asked them for an explanation in writing as how they think they can get away with this outrage.

 

If it is not satisfactory the copy of the letter is going to the ombudsman.Incidently does anybody know how much they can increase the rates by??

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  • 2 years later...

Hi

I have a mortgage of 84k with BM and two seperate secured loans with Central Trust.

 

Im self employed and

 

over the last few years have been ducking and diving to keep on top of payments.

 

One month missing one so I could pay the other that sort of thing.

 

During this time I have been hit by lots of charges.

 

Central Trust charge £60 a time not sure about BM but I want to claim these sums back now.

 

The thing I'm concerned about is that my mortgage has another 13 years to go and the loans 7 and 12,

 

how does threatening them with court action etc effect the relaitionship.

 

Can they try and foreclose ?

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They can't try and foreclose without good reason.

 

Calling the mortgage in and trying for a repo would need a judicial process so there would be scrutiny of what they are doing.

 

£60 charges is clearly against the rules - if you have followed the mortgage link and read the articles and the Fsa decisions.

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  • 1 year later...

Hi

 

have had 3 secured loans with Central Trust.

 

One was paid in full back in 2004.

This one had ppi despite me being self employed.

 

The reason for this thread is that due to my selfemployment there have been numerous missed payments

resulting in charges of £60 a time.

 

I understand about sending the SAR but what Im concerned about is that both of the loans

have at least 5 years to run and if I was to attempt to claim back the charges

can central trust threaten to for close the loans

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no they cant

they are NOT allowed to take ANY retaliatory action

 

so you've a PPI claim and a charges claim to do?

 

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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  • 11 months later...

I sent off the SAR and have received back copies of

the t&cs,

copies of wage slips,

homeowners application form,

the application forms etc,

 

but no statements.

 

On the covering letter they state our products were sold to you through brokers.

 

I dealt directly with Central Trust and didnt use a broker,

 

but see I have been charged £1100 and £1300 broker fees.

 

How do I get hold of my statements and is it ok for these two charges ?

 

Thank you for any help, finally trying to get my finances together

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then ask them where they are by letter

 

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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  • 1 month later...

Hi Dx have had all statements back now, and its showing charges ranging from £50 , £60 and £53.

How do I add interest to the claim ? The rates on the loan are 9.4% 10.65% and 11.15%

Thanks for any help

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were these loans refinancing each other or were they totally separate.

 

whichever you use

 

StatIntSheet v101.xls

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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you agreements should tell you the PPI you paid PCM.

 

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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  • 4 weeks later...

what the spreadsheet

 

you'll need open office or excel 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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  • 3 weeks later...

sri what is not working?

 

 

you cant load the spreadsheet?

 

 

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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have you got office installed [excel]

 

 

or open office?

 

 

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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download the spreadsheet somewhere [say to your desktop.

 

then find it and open it

 

you'll need to click the top button to enable editing first before you can enter data.

 

once you've opened it to editing

 

save it under a new name

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 years later...

Not the speediest of responses!

I was fortunate enough to pay my mortgage and two central loans a couple of months ago.

 

Having done a SAR back in 2014 I wrote to CT asking for the repayment of £846 and £643 under the unfair terms in consumer contract regulations.

They replied saying they were totally just but offered £300 as a gesture of goodwill (5x£60)

 

After an email exchange and phone call I have now written to them giving them 28 days notice before I go to the small claims court.

I have also added 8% statuary interest.

 

I would appreciate any help on how to proceed with claim.

 

Interestingly my main Mortgage provider, unprovoked have written to us about our closed account.

 

They are refunding all management fees charged to the account since 1 Jan 2009 together with the interest charged on those fees.

They also offer the chance to claim any additional costs we may have incurred.

 

This was from Birmingham Midshires, does anyone think this strengthens my case against CT if other lenders are deeming the charges inappropriate?

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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

Received letter today regarding my letter 4/4/18 giving them 28 days notice.

There response being that they were sorry I was still dissatisfied with their Final Response Letter and that they have exhausted their complaints procedures.

Do I still have to wait the 28 days or can I proceed with case?

Thanks for any help

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