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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. 
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    • 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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Natwest Mortgage shortfall account/Default vanished on 6yrs expiry - now its back - help


davehoward79
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THREAD NOTE:

the OP talks of a CCJ

this is infact a DEFAULT MARKER

ignore the reference to it being a CCJ.

dx - siteteam

...........................................................

 

 

Hi All, the is my forst post on CAG.

 

I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this.

 

7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market, stating i had never asked for her permission to sell the house, and she refused to sell the house even though she had moved out when we split.

 

Consuquetly, the house was repossed and a CCJ was rejistered against me.

 

I did try and come to an amicable agreement with the Natwest where by i was responsible for half the debt (£16,800), and my x wife was responsible for the other half, and once my half was paid off it would show as settled on my record, which they rejected.

 

So, i thought i would wait out the 6 years, for the CCJ to expire. During this time we have moved twice, and i have not received any letter from anyone for about 2 years relating to the CCJ, so im actually unsure who actually own's the debt (Natwest or DCA)

 

The debt did expire on May 31st 2013, and did 'dissapear' off my credit file. I pay a monthly subscription to experian so regually check my file. Last week the payments started showing again on my credt file as 6 months in arrears and deliquent.

 

After alot of research i was under the impression that once the CCJ had expired after 6 years, that was that, unless of course they tried to re-rejister to the courts for a CCJ. Im thinking of getting legal advice, however before going through the cost i thought i'd see what my options are on here.

 

So my questions are:

 

1. Is it true the Natwest or any DCA can rejister these late payments that have just appeared on my Credit Report after the six years

 

2. If not, what are my options to have these removed from my credit file?

 

We where hoping to buy a new house in the next 6 months, however that is going to be impossible with this on my file :(

 

All help is VERY greatfully apreciated in advance

Edited by citizenB
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Ummm, a CCJ does not expire, although after a such a long time, it would be very difficult for them to enforce. If it is no longer on either your credit file or trust online (which keeps a record of CCJs for 6 years) I am not sure if anyone searching your files would be aware there was a judgment made.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am also a bit puzzled when you say the entries have started to reappear. If the entries have done the 6 years, then they cant simply start recording them again ??

 

I will try and find someone with more knowledge.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is this resulting from a mortgage under seal? NW may be claiming that the default should be maintained for 12 years as this is the limitation period on mortgage debts.

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What exactly was the judgment debt for - the shortfall after repossession ?

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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What exactly was the judgment debt for - the shortfall after repossession ?

On the same tack here CB.

 

NW have been known not to adhere to the Council of Mortgage Lenders code of not pursuing shortfalls after 6 years with no contact.

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Hi CitizenB, many thanks for you reply :)

 

In answer to your 2 posts. Although i was aware a CCJ never effectively 'expires', they do do habe to re apply to the county courts to re-enforce the CCJ, of which i should be sent correspondence for to defend my case.

 

I phoned experian yesterday, and he did tell me that it wasnt a ccj, but a deliquent account which was 6 months behind in payments? I have NEVER in 6 years made a payment?

 

Im now thinking that maybe this debt has been bought by a DCA, and they are trying to pull a fast one maybe? However, i dont actually know who the debt belongs to???

 

Under Seal? I have no idea? unfortuently, i have none of the original documentation

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If this account previously showed as a DEFAULT entry once removed it should NOT be reinstated.

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Please Consider making a donation to keep this site running!

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What exactly was the judgment debt for - the shortfall after repossession ?

 

Yes, this was the shortfall after the sale of the house

 

If this account previously showed as a DEFAULT entry once removed it should NOT be reinstated.

 

 

It is no longer showing as default, but 6 payments late, which has resulted in plumiting my credit score **Edit**: It was rejistered as a CCJ, not a default

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Then I think that you need to find out who is doing this and write asking them to stop.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CitizenB, many thanks for you reply :)

 

In answer to your 2 posts. Although i was aware a CCJ never effectively 'expires', they do do habe to re apply to the county courts to re-enforce the CCJ, of which i should be sent correspondence for to defend my case.

I phoned experian yesterday, and he did tell me that it wasnt a ccj, but a deliquent account which was 6 months behind in payments? I have NEVER in 6 years made a payment?

Im now thinking that maybe this debt has been bought by a DCA, and they are trying to pull a fast one maybe? Hoever, i dont actually know who the debt belongs to???

 

That is very possible... could i possibly suggest you make some enquiries with natwest... and find out who it is with?

I dont know if under Mortgages they would transfer to a DCA and also arrange a "Notice of assignment" etc

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Ok The Council of Mortgage Lenders agreed that their members would not pursue shortfalls after 6 years in line with the 6 year limitation on other debts.

I suggest contacting the Data Controller at NatWest to challenge this (in writing).

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I did call natwest on saturday, but there litigation dept was shut. I am going to call them tomorrow to get more information

 

many thanks

 

Ok The Council of Mortgage Lenders agreed that their members would not pursue shortfalls after 6 years in line with the 6 year limitation on other debts.

I suggest contacting the Data Controller at NatWest to challenge this (in writing).

 

 

So in laymans terms, this means, that the debt should be erased, and im within my legal rights to challenge the record and have it removed?

 

Apologies for the blutness, but all this vERY alien to me :(

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Ok Dave, please let us know the outcome.

 

There are intricasies involving the Limitations on Mortgage debts that some will happily use to mislead.

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As it was a joint mortgage I wonder if your ex may have been paying off part of the CCJ and having now stopped, NW or whoever is after the balance.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, if it has been sold then NW will say they are no longer involved at that point a Subject Access Request (SAR) will be needed.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I can assure you, this is NOT the case

 

I did think it was unlikely going on what you said!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, if it has been sold then NW will say they are no longer involved at that point a Subject Access Request (SAR) will be needed.

 

Does the SAR have to be made to the Natwest. Also, if i wright to the company who have the debt, will i have yo quote any paticular legal acts, or bluntly tell them to stop recording late payments on my credit file? How long will it take for these entries to be removed once acknowleged?

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This was a joint mortgage, yes ?

 

Were you both issued with claims and judgments ?

 

You are aware that you are both responsible for the debt - is it likely that your ex is making payments or has acknowledged the debt ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes to the Data Controller at the London head office.

 

There is an excellent template in the CAG library for you to use Dave, there is a £10 statutory fee to pay NW have 40 days to comply.

 

The request is made under the Data Protection Act 1998.

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Does the SAR have to be made to the Natwest. Also, if i wright to the company who have the debt, will i have yo quote any paticular legal acts, or bluntly tell them to stop recording late payments on my credit file? How long will it take for these entries to be removed once acknowleged?

 

Don't write to any 3rd party Dave before coming back here please!!

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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