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    • 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.
    • 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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Student loan from Sallie Mae, now by Drydensfairfax solicitors


Tucoist
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Hello,

 

I took out a student loan with a company named 'Sallie Mae' for a masters degree in 2007 that finished in 2008

but I did not graduate until the following year - 2009.

They are a company who specializes in professional studies loans.

 

During that time I had no contact from Sallie Mae and then

 

i read in around 2008 that they had ceased trading in this country.

 

There was no facility to contact them and the US branch is totally separate.

Other people had commented on the internet that they are also in the same situation at that time.

 

In around 2010 I started to receive letter from a company named 'Total Credit Finance Limited' based in Scotland.

 

I did email them to say that I was not in a position to start paying the loan off due to not hearing from Sallie Mae for a few years.

 

They wanted money (around £500) for me to extend the time that I had to differ the loan for longer.

As I did not have this money available I chose to ignore it.

 

They continued to send me invoices but nothing more.

 

I have now received a letter from a company named Drydensfairfax solicitors telling me that action will be taken

if I do not respond within 14 days (now 1 week).

 

I am about to go freelance as a designer and I am worried that I will have to go to court

and they will send the bailiffs round and take all the equipment I need to be able to complete my job.

 

Also I am worried that I will be forced to pay ridiculous fees to a loan that was agreed with a different company altogether.

 

At first it did not show on my credit report but it is now there, will this be screwed forever?

 

If I would have not contacted 'Total Credit Finance' it would have been nearly 6 years since I took out the loan.

 

Many Thanks for your time in reading this.

 

I took this loan out to help with my career and this is still an ongoing process.

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Hello and welcome,

 

Firstly check your credit files and see if this is on there,

 

NEVER speak to any of these leeches on the phone EVER!

 

Keep a diary of events and keep EVERYTHING in writing.

 

You need to be as exact as you can with the dates, when EXACTLY did you stop paying toward this loan?

 

What were you exact words to them in 2010?

If it was along the lines of, "I cannot pay toward my debt" then that may have reset the clock..??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello, many thanks for your reply I am need of help and advice.

 

I have checked my credit report and it is most definitely on there as 'ARROW GLOBAL LIMITED' the company name.

 

I have not spoken to them on the phone and do not intend to. I have been getting private number and strange 0845 numbers calling my phone but I do not answer as a rule if I do not recognise the number.

 

From now on I will keep a diary of events, on my part I have been a little scared of this whole situation and almost tried to forget about it.

 

The loan I have not made a payment towards. After 'SALLIE MAE" stopped trading in this country me and lot of other people had absolutely no information to go on. It was after some time that 'TOTALCREDITFINANCE' started to send me letters. And now it is 'DRYDENSFAIRFAX' solicitors who are not sending the letters.

 

The email that I sent to 'TOTALCREDITFINANCE' was on the 11/1/10 and it states:

 

---------------------------------------------------------------------------------------------------------------------------------------------------

 

Dear Sir/Madam

 

 

I am writing to you to inform you about my current financial position. I am only

in part time employment currently and cannot afford the repayment plan taken out

with the loan at the beginning of my course.

 

I am liaising with a design company with full time employment being taken with

them in the next 6 months. When this happens I will be able to afford the

payment full payment plan. For the time being I would like to restructure a

payment plan that I can afford. I do want to start paying the loan back but at

a slightly reduced amount until full time employment in the design field, which

is my ultimate goal after completing my Masters Degree.

 

Could you please advise me on my options.

 

---------------------------------------------------------------------------------------------------------------------------------------------------

 

I received no reply...

 

The first letters that I received from 'DRYDENSFAIRFAX' stated that I needed to make immediate payment

of the outstanding balance within 14 days of the letter (8th July 2013).

 

 

I have now received more letters from 'DRYDENSFAIRFAX' stating that,

if they do not hear from me within 14 days of the letter dated (22nd July 2013)

I will leave them with no alternative but to recommend to their client 'ARROW GLOBAL LIMITED'

thats they should consider taking legal action against me.

 

The commencement of legal proceedings will incur additional costs,

which will be added to the outstanding debt.

It also warns me that any CCJ's will severely effect my ability to obtain credit in the future.

 

I am now very worried that they are going to send the bailiffs round and take the very equipment I need to be able to do my job.

I am just at a loss with what to do as I do not want to go to court either.

Is this scare tactics?

 

Many thanks again and I hope that this makes sense.

I am about to start freelancing again and I hope that this awful situation does not effect that either.

Edited by Tucoist
Wrote a reply didn't show so wanted to make sure it was working.
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Bailiffs will NOT be used. IF ( and its a big IF) a court claim is issued, you can provide a defence and give your version of events. When it goes before a judge, you can give the judge a comprehensive I&E and he will arrange a payment plan you can afford. Bailiffs only ever come onto the scene if you point blank refuse to pay, or the court has exhausted all other options.

 

Thats not to mention that bailiffs will only ever be even remotely linked to your debt IF the creditor wins the case.

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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I hope not as that will be a massive stress to me and my family.

 

I had to move back to the family home due to health issues and having people trying to enter the premises will be a nightmare.

 

Once I am sorted I would like to get the ball rolling but I am still getting my career of the ground

with hard work and perseverance with money not being abundant.

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Really court isnt anything to worry about. It is NOTHING like you see on the tv. It is a court rep/judge in a suit, you, and the creditors rep ( if they bother to turn up). You sit around a table and go through the claim.

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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Having never been in trouble with the police or ever been in a court it still sounds pretty daunting. I am worried that they will demand a ridiculous monthly payment or try and get me to take a job that will pay just to fund them.

 

Also the threat of bailiffs is still causing me sleepless nights. For me to lose my most precious of belongings that I need to do my job would be soul destroying.

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Thankfully no other creditors apart from this student loan. What do you think about the email that I sent to the first people who the debt was sold to, 'TOTALCREDITFINANCE', in 2010?

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have you sent this lot a CCA request

 

might be an idea

 

if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

I doubt it exists.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

CCA request

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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if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

Why would that be? It seems to be a post April '07 agreement from where I'm sat - unless I'm missing something?!

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have you sent this lot a CCA request

 

might be an idea

 

if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

I doubt it exists.

 

dx

 

Are they? I'd like to know why as I don't think they'd be stuffed at all. I think the advice to get a CFS compliant I&E form to back up any offer of payment will almost certainly guarantee acceptance by the DCA. If it were to go to court after that, I think the judge would be asking the DCA why they had taken it to court when a perfectly reasonable offer was on the table.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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hello

 

the 'lets just blindly pay someone because they sent me a threat-o-gram'

 

brigade are amassing.

 

getting very boring guys

 

this is CAG consumer ACTION group

 

not the 'rollover and accept what a dca says is true

on a debt poss over 6yrs old and poss statute barred' group.

 

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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The OP has made is clear that they wish to make a reasonable payment.

 

If there was an e-mail in 2010 then that may well count as acknowldgement, and if so the debt is unlikely to be stat barred until 2016. Of course it would be down to whoever's chasing to prove the acknowldgement, if the debt has been passed around the houses that could be difficult - although not impossible.

 

A cca challenge is likely to be fruitless if indeed the loan was taken out after April '07.

 

Tucoist - has there ever been any payments made? When precisely was the loan entered into? I'm assuming that it's probably towards the back end of 2007, right?

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dx - you just made a rather insulting post about Dodgeball and I which I tried to report. It stated an invalid post and wouldn't let me report it. Now I come back and find the post, along with a couple of others gone. Why?

 

My question was why the sudden need to resort to insults? Would you like to comment, or will this post disappear as well?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Apologies ims - your post was not showing when I made my response. Happy for it to be removed. :-D

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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although this is called a 'student loan'

 

it wont be a part of the Student Loan Company funding etc

and the rules pre/post 1998 with regard to gov't funding etc etc.

 

only those loans issued by the Student Loan Company'

 

follow those rules.

 

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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hello

 

the 'lets just blindly pay someone because they sent me a threat-o-gram'

 

brigade are amassing.

 

getting very boring guys

 

this is CAG consumer ACTION group

 

not the 'rollover and accept what a dca says is true

on a debt poss over 6yrs old and poss statute barred' group.

 

dx

 

I think there is something to be said to repaying a debt which is rightfully owed.

 

Of course if it is SB then that is another matter, lets hope so.

Edited by ims21

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I think there is something to be said to repaying a debt which is rightfully owed.

 

Of course if it is SB then that is another matter, lets hope so.

 

Not sure (in this case) that 2007 terms could become SB at year 6, been a long time since I looked at student loans.... Perhaps there is still an opportunity to defer the principal but it may require some digging by the OP.

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Hi

 

This is a link to another thread on this subject of sallie mae uk: http://www.consumeractiongroup.co.uk/forum/showthread.php?226831-Unsecured-Loan.-Sallie-Mae-UK

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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What's also important to consider with student loans is when the loan actually became due for payment - as that is when the cause of action would actually begin - and often with loans of this nature that could be later than 2007.

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What's also important to consider with student loans is when the loan actually became due for payment - as that is when the cause of action would actually begin - and often with loans of this nature that could be later than 2007.

 

Yes this is an excellent point, if the account was not defaulted and terminated the SB commencement date would be on the termination of the contract.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Had a brief squint on Google for salliemae uk terms and

they don't appear to be student loans in the strictest sense that us locals may understand them to be.

 

 

It may be prudent to get a s77/78 request in the post pronto,

from what I can make of it they appear to be restricted use

but with interest penalty at deferment even during the period of education.

 

 

Durham uni still seem to promote the facility for international students.

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