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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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Identity Fraud: MMF & Mr Lender (PDL Finance Ltd)


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Hi this is my first post, so I hope this is of use to someone like me.

 

I had contact from Motormile Finance UK Limited (MMF) first in June of this year, advising me of a debt (which I never took out) with Mr Lender otherwise known as PDL Finance Limited.

 

The debt I have learned was taken out in November of 2012, this i discovered from my Callcredit credit report which I applied for after discovering this information. MMF have stated that "..further to the communication from Mr Lender..."

 

I have yet to receive any communication from Mr Lender in relation to this loan to my home address, they appear to have just paid a loan to some fraudster, not confirmed by post anything and sold the debt to MMF some months later. What is worse is that after a couple of months communications by post and email (which they do not seem to acknowledge or respond to) I have to print out the email and post it to them (MMF).

 

This week I received a very short letter from MMF after I made an official complaint, advising me that the debt IS NOT FRAUD, and that collections activity will resume.

 

This made my blood boil and me feel quite sick to say the least. I do not have an account number (yet) from Mr Lender, which I have this week requested, as I am therefore referring this complaint to the Financial Services Ombudsman and they require an account number, I only have the MMF Reference Number.

 

The FSO told me that MMF will have to give the debt back to Mr Lender/PDL Finance Ltd and they will investigate and make an adjudication. I also have taken out CIFAS Registration to try and prevent fraud happening again.

Edited by citizenB
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Get actionfraud involved. Mmf think uk law does not apply to them.

 

Contact the oft and fca as well.

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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I've asked someone to pop into the thread when he has time. He has a lot of experience with mmf and may be able to help you get this sorted

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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Hi Looking in as requested.

 

I'm going to draft a letter for you to put MMF on notice that they MUST properly investigate this matter and make fully reply.

 

 

Private & Confidential

For The Personal Attention of:

Mr Roberts Sands

Director of Compliance

MMF Ltd

 

Date:...................:

 

Ref: use MMFs

 

FORMAL COMPLAINT:

Breaches of OFT Guidance on Debt Collection.

Fraudulent Loan Application

Failure to Properly Investigate.

FOS Statement.

 

Dear Mr Sands,

 

TAKE NOTE this communication is made as a FORMAL COMPLAINT and MUST be fully answered within 56 days from the date hereon.

 

I refer you to correspondence from MMF Ltd dated xx.xx.xxxx, bearing reference No. xxxxxxxxxxxxxx., this is in regard to an alleged debt arising from a fraudulent account opened in my with 'Mr Lender' a 'payday loan' company.

 

I do NOT acknowledge any debt to MMF Ltd., I am not now nor ever have been a customer of Mr Lender.

 

Having made a previous complaint to which MMF Ltd have made no proper reply, not having explained of proved in any way that the alleged debt is not fraudulent, this FORMAL COMPLAINT is made prior to complaints to the regulators regarding the conduct of MMF Ltd and its fitness to hold a 'Consumer Credit Licence.

 

I refer you to the OFT Guidance on Debt Collection 2003/2006 updated Nov.2012 and in particular section 3.9 (j) (Deceptive and/or unfair methods [of debt collection]:

 

This clearly states that ' it is (unfair) requiring an individual to prove that he is not the actual debtor who owes an outstanding debt', as I have clearly and formally stated that I am not the debtor MMF Ltd seeks ALL collection activity WILL now cease.

 

The FSO has advised me that MMF Ltd should pass the alleged debt back to the creditor, the matter will be investigated and an adjudication made.

 

I also refer MMF Ltd to section 3.9 (k) of the guidance which It must be aware of given the companies unenviable reputation for ignoring guidance, regulation and legislation relating to debt collection.

 

For clarification and the avoidance of any misunderstanding MMF Ltd MUST not the following;

 

1. I name do not acknowledge any debt to MMF Ltd, and confirm that I am not now nor ever have been a client of Mr Lender PDL.

 

2.This account is fraudulent and all liability is denied.

 

3. MMF Ltd MUST return this alleged debt to the original creditor for investigation

 

4. MMF Ltd WILL cease all contact with me other than in writing by Royal Mail, (proof of posting is not accepted as proof of delivery).

 

5. I am aware that MMF Ltd frequently makes 'threats' of 'Home Visits' take note such visits are NOT acceptable, despite MMF Ltd claiming such prohibition does not apply to it, this is of course nonsense.

 

Mr Sands, this is a personal communication and I require your personal attention to this matter.

 

This communication is sent by RM record/signed for delivery, its receipt will be checked.

 

I suggest you copy this with a covering note to the Compliance Manager at Mr Lender as well.

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

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  • 4 years later...

Hi,

I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream".

It was a lot of hassle at the time

( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up.

 

I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name.

 

"Let me just say that I have never ever applied or taken out any loan other that a mortgage for our home that is now fully paid off".

 

back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012!

I phoned them straight away and explained what had happened.

But all this did was for them to send demanding letters on a weekly basis!

 

I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter.

But all they do is keep sending me more demanding letters.

 

Are these people above the law or what!

They keep asking for very personal details e.g bank statements from 2012,

my national insurance number,

payslips,

photo id from a passport or driving licence.

 

I'm sure it would be reckless to send such sensitive information to a bad debt collecting company!

 

(Do they cover their costs by selling on this very useful and very accurate information to third parties?)

It would be very lucrative if they did as they would have all the information to take out a loan in my name!!

 

What's going to happen in another few years, Am I going to get demanding letters form another bad debt company??

 

As much I want to clear my name I am very sceptical about about how they would use that information.

I lay awake at night worrying myself to death, I am frightened about what they might do.

 

I have been to Citizens advice bureau who just say go to police action fraud! its bonkers.

 

If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!

Edited by Ian-Do
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You need to create your own thread ian. You posted on a 5 year old one.

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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start a new thread

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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