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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. 
    • 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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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      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.

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    • 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
        • Like

Toothfairy In Administration


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Guys... As of 9am this morning... Toothfairy Finance was declared to be in Administration.

 

This is the whole CIMS Technology umbrella which marks great news for the PDL industry.

 

Later today I will post up the article, however for those impatient ones it is in Credit Today.

 

Edit;

 

http://www.credittoday.co.uk/article/16370/online-news/payday-lender-in-administration

 

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What a nice Christmas present.

 

Unfortunately, they will pass on their debt book to Northern debt Recovery (probably) as they spun off from Toothfairy earlier this year.

 

It certainly answers the question on this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406541-Toothfairy-finally-done&p=4373475&viewfull=1#post4373475

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£100 says given them a few months and theyll be back under a completely different name. Larholt was applying for another credit licence before this new guy got involved with toothfairy.

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..

 

 

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Ahh, what a shame and just before Christmas too, perhaps we should have a whip round for them :lol:

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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Earlier this year (I believe) Northern debt Recovery and Marshall Hoare split from WebLoans Processing and set up as separate companies, each with their own CCA licence so they are still around.

 

Marshall Hoare also have a trading name of North Debt Recovery Ltd which should not be confused with Northern Debt Recovery.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Guys... As of 9am this morning... Toothfairy Finance was declared to be in Administration.

 

This is the whole CIMS Technology umbrella which marks great news for the PDL industry.

 

Later today I will post up the article, however for those impatient ones it is in Credit Today.

 

Edit;

 

http://www.credittoday.co.uk/article/16370/online-news/payday-lender-in-administration

 

This is all a trick to move to a new hiding place by Per Gullestrup. I am waiting for the new company to start calling me again

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First, they arent a debt buyer. 2nd, they cant add interest as the original contract was terminated, and any interest added on after COULD be seen as unlawful and profiteering.

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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Seems like mhb have taken over the debts my other half is still getting emails saying they have the legal right to collect and they keep adding interest an threaten to turn up on the doorstep unannounced

 

This is probably an automated email. The Gullestrup family took our loans somewhere else. Toothfairy does not pickup the phone, can't pay them. Nice christmas present. Just waiting for Per Gullestrup to show up again.

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Got an email from Loads of Dosh Limited (who are currently in process of changing their name to DHR Capital Limited) claiming they have been assigned all debts from Webloans Processing Limited, what I find rather interesting about it is the following detail which doesn't really add up:

 

Webloans Processing Limited is in administration.

Webloans Processing Limited sells debt to Loads / DHR.

DHR sends out notice of assignment for debt.

DHR claims payments should be made into the Bank account we already pay to which would be the one of Webloans Processing Limited.

 

Now obviously that immediately sets off every single alarm bell simultaneously....

 

The lovely pictures from the email:

 

[ATTACH=CONFIG]48263[/ATTACH]

 

[ATTACH=CONFIG]48262[/ATTACH]

 

So it looks like round 2 is about to begin, can't wait to teach those who where foolish enough to buy debt from toothfairy just how hard they will crash and burn:mad2:

Edited by Nao
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Was just having a read of this thread my speed credit debt was passed over to web loans processing when they got shut down, I have a repayment plan with web loans processing now they've went into administration will my repayment plan still stand with who ever then claims to own the account?

As I fought them down to the amount I actually owed and at a repayment I could afford, I'd hate to think.it gets passed around again and all daft charges get added back on

Edited by tinkerbell_2k12
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hi guys 1st time posting but figured you would all want to know this, have a debt through toothfairy which was being delt with by marshall hoares who we all know is 1 in the same, am with a debt management company dealing with all my debts inc this 1 recieved a letter from them today saying marshal hoares has told us they are no longer dealing with your debt please contact them and find out the name of the new creditor i need to make payments to, having already read this thread b4 ringing them was quite supprised to get through on the original phone number for mhb and speak to someone who said they were just changing name to blackwater uk and all payments should continue to be made to same address acc no but with the only change being "blackwater uk" as the new company. so sound like just another dodgy spin off of the same sharks,

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DHR Capital ltd??!?! Well at least its not called Toothfairy anymore eh?! :lol:

 

Anyhow, needs to be reported to the OFT... Wonder if they have the same CCL Number ^__^

 

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Was just having a read of this thread my speed credit debt was passed over to web loans processing when they got shut down, I have a repayment plan with web loans processing now they've went into administration will my repayment plan still stand with who ever then claims to own the account?

As I fought them down to the amount I actually owed and at a repayment I could afford, I'd hate to think.it gets passed around again and all daft charges get added back on

 

Shoever takes over the accounts must honour the arrangement you have in place already.

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Just had a thought, for those that have defaulted loans, does that mean that they will replace the Credit file entry under the new name?

 

I get the strangest feeling that might happen.

 

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Wouldnt matter if they did. As long as the dates were kept the same.

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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  • 2 weeks later...

An up date for you all

 

Loads of Dosh are the new owner but see how much they have paid for the loan book so when they come a chasing, offer something silly and see what they say.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414289-Toothfairy-More-Corrupt-Then-First-Thought&p=4437525&viewfull=1#post4437525

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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