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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. 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.
    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hi i have had a loan from speedcredit a long time ago the loan was for £400 to date i have payed off £365 had a call yesterday from my banks fraud department saying that a firm called toothfairy had tried taking £439 from my account and have now put a block on my account was so stressed and worried that i told them i knew who it was does this mean that they will raid my account every time now

 

many thanks all

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What did the bank say exactly?

 

Speedcredit no longer exist and everything was passed to toothfairy ( same company, same ethics).

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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that a card transaction had tried to be taken and as it was an unusual transaction they put a block on it and my whole account think i have messed up big time telling them i knew who it was as i was really embarrassed as i phoned them using the banks phone and it was packed so everyone could hear me....i knew speedcredit had gone as i had a letter from web loans processing a while back telling me the debt had been passed to them i have been getting emails from marshall hoare for a while and the occasional one from ndr they want over £4000 for a £400 debt. i had reported them to oft before about it but that was a long time ago now.

thank you for your help

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You havent messed up. The block is temporary while they investigate. You can still go to the bank and withdraw money in person. They will just disable card payments etc while they do what they are legally obliged to do.

 

ignore webloans/toothfairy for now. They are one of the worst companies around and try and lie and cheat so you give them more money. You do NOT owe 4000. You owe the original loan plus original interest. Not any of the silly charges they try and say.

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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Why on earth did they try to take so much.. they are bound by any terms agreed with Speedcredit ?

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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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Thats how this company operates CB. It's well documented.

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 it was another PDL company demanding money: Negotiate affordable repayments on what you actually owe, set up payment plan and repay.

 

With this particular company however I would not waste too much effort on trying to negotiate anything as they are notorious for ignoring Customer communication, breaching regulations and various other things.

 

Just send them one single letter by recorded delivery (and keep a copy) that outlines how you are going to repay what you actually owe (amount borrowed plus interest for how long the loan was originally for minus any payment already made), plus make it clear to them that if they want one penny more they will have to take you to Court where you will take any and all legal action necessary to defend against their claims. (don't worry, they won't take you to Court).

 

And don't be afraid to prioritize other debts like Council Tax, Rent and so on over PDL debts, the Courts would do the exact same.

Even if its just a fiver a month or whatever, they can be happy if they get anything at all.

 

Also go to a branch of your Bank and ask for all CPAs from CIM Technology, Toothfairy, Webloans processing, MHB, NDR and any other connected company to be cancelled, get it confirmed in writing (signed by Branch Manager) that the Bank has done so.

 

If Toothfairy should then somehow manage to help themselves to money the Bank will be legally required to refund it immediately (and the Bank can then try to get their money back from Toothfairy).

 

Also please collect any and all communication you receive from this lender and forward it to the OFT, a lot of their emails and letters are "potentially" in breach of a whole bunch of regulations.

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  • 9 months later...

hi all i havent heard anything from speedcredit/ toothfairy in a long long time but woke to this email anyone else got one???

 

Dear customer,

 

Total Due: £5095

 

Your debts due with Speed Credit is now legally owned & controlled by Digital Finance Services UK ltd. This email is to officially notify you that Digital Finance Services UK is now in full ownership of Speed Credit.

 

We, Digital Finance Services UK hereby contacting you with your outstanding balance which is unpaid .Due to the overdue status of the loan it has incurred extra charges and the present the balance outstanding is £5095 .

 

We request you to visit our website http://www.digitalfinancialservices.co.uk and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

A/C: 43266351

Sort Code: 406080

 

Please bear in mind that every day you are delaying will add more charges to your outstanding balance. Therefore, to avoid additional cost and come to a fast settlement of your loan we expect your response urgently.

 

Our contact details are attached below. We thank you for your business with us and look forward to a continued business relationship.

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: +44 203 026 0796

Email: [email protected]

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And they just revealed way too much by chasing you for that debt.

 

Please do not reply to them, please do not pay them.

 

I can't post it in the thread here just in case Digital Financial Services has ears here, but I will send you a private message with information that I would then like you to include in a complaint to the FCA.

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They cant add any charges. I would report them to the FCA. I wouldnt be surprised if this new company was set up by the owners of speedcredit. They seem to be doing the exact same thing even down to the wording of the letters.

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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thanks for the reply both...have been doing some searching on them cant seem to find anything i tried looking the license number up and got nothing..going to goolge the address see what that comes up with..have just reread the email and its dear customer not my name no ref number so if i was to pay into their bank account who would they know who its off all seems strange to me..

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At least its a house this time and not a disused Garage:lol:

 

(those who had dealings with the Toothfairy when they where still around will know what I mean)

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I've received almost identical mail just now. Anything to worry about?

 

Dear Customer,

 

Total Due: £3055

 

We are following up with our previous attempts to reach you in regards to your outstanding loan account with Digital Finance Services UK. Your loan for £3055 is still outstanding with us and appearing on your credit file.

 

We have informed you on different occasions prior to this email with clear information about your dues and

repayment options. Unfortunately, we are yet to receive any response from you.

 

Please note that your credit report will continue to have default mark unless we receive information from you about your intended debt settlement plan. We will request you to note that every day you are delaying is reducing our options to help you with your debt.

 

Therefore, please visit our website and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

A/C: 43266351

Sort Code: 406080

 

As a responsible Debt collection entity we are aware of our limitations under FCA guidelines and also our rights to claim outstanding dues.

 

We will strongly suggest you to respond to this email and inform us how you wish to settle your loan account with. Alternately, legal initiatives will be introduced in our current process to recover your dues. Our contact details are provided below with this email.

 

We wait for a prompt reply

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: +44 203 026 0796

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Sounds very much like a letter designed to intimidate, is full of errors/misleading information and looks to be created by the same team that did toothfairys letters.

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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This company has had a write up about them in CAG before.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?367625-Speed-Credit-website-down

 

It seems that Teppo Oranne has had,or has his fingers of a lot of pies.

 

http://companycheck.co.uk/director/916206391/TEPPO-TAPANI-ORANNE/directors-secretaries#people

http://companycheck.co.uk/director/916206391

 

Regards,John.

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Damn.... I thought fin ally we would see the last of Toothfairy etc bu im guessing that isnt the case and Yes, the site itself... It certainly looks like toothfairy!!! ;/

 

"6. All money owed per this agreement is due and should be paid in full upon us giving notice if:

(a) any balance is overdue by more than 14 days;

(b) you provided us with false or fictitious information when you entered into this agreement; or

© a statutory demand is served by you or any other person, causing you to be bankrupt.

 

Additional charges may incur if we need to apply for a County Court Judgment or Warrant of Execution (from £45), engage with solicitors (from £150), Debt Recovery Agents (from £200) or any other agencies (£ tbc) to recover money owed to us."

 

Sounds like the £150 fee that used to charge passing it along a desk!

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Hi,

 

I also have received this e-mail after hearing nothing for a long time... shall I ignore? Surely this is not legit... has anyone received a default on their accounts like the e-mail suggests?

 

Please get back to me, I paid all debts off other than this one as it was dodgy and the company refused contact and wacked on fees. It's now £4500 and I am extremely anxious, hence writing this post at 23:51!

 

Thank you

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They also sent an email to an address they have no clue if its still in use, instead of a letter to a registered address.

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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