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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.
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    • 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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
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Arc Europe representing Arrow global for EGG - help please


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I recently CCA'd Moorcoft on a debt that they have been collecting on since 2006.

 

The response i received is below. would appreciate any help on this, thanks.

 

Moorcroft Debt Recovery Limited

Moorcroft House, P.O. Box No. 17,2 Spring Gardens, Stockport, Cheshire SK1 4AJ.

Telephone 01 61 475 2858. Fax O1 61 477 3864

 

12th May 2009

Dear M

Re: Moorcroft Ref: Client Ref:

 

We refer to your recently received letter requesting data as per Section 77-79 Consumer Credit Act 1974.

 

We duly confirm that we have requested the relevant documentation from our client

and once received we will duly forward the same to you.

 

Meanwhile, we duly confirm that all collection activity on the account has been put on hold

and we will not seek to enforce payment of this debt until such time as the documentation has been supplied

or we have advised you to the contrary.

 

In the meantime, however, we believe that it may be of assistance to all parties if we also take this opportunity

to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation.

 

To this end can you provide an indication of the information you will be relying upon,

when giving evidence to the court or information to the relevant statutory authorities

in relation to the alleged subject matter of this account.

 

Please could you provide this information by return as this will ensure that all possible areas of dispute are identified

as quickly as possible thereby minimizing potential costs and delays.

 

Should you have any questions or require any additional information please do not hesitate to contact

us direct on the telephone number shown above.

Yours sincerely

Mrs K Murray Operational Support Supervisor

Registered Office: Moorcroft House. 2 Spring Gardens. Stockporl. Reg. No. 1703704 England.

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Don't reply to it, standard response.

 

Wait until they send you something else

 

ida x

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te he,

 

I've just sent a letter to Moorcroft more or less asking them the same as they asked you.

 

they're trying to be clever, and make you think they are all geared up for court

and they're just waiting for the CCA to turn up before they start action,

 

either that or they are stupid enough to beleive you are going to show them all your cards.

 

Either way they have sent that letter to loads of other people,

 

chances are the person that wrote it has moved on,

 

no one there now knows what it means but seeing as how the person that wrote it got a CSE in something,

they rekon it must be good. ;)

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te he, I've just sent a letter to Moorcroft more or less asking them the same as they asked you. they're trying to be clever, and make you think they are all geared up for court and they're just waiting for the CCA to turn up before they start action, either that or they are stupid enough to beleive you are going to show them all your cards. Either way they have sent that letter to loads of other people, chances are the person that wrote it has moved on, no one there now knows what it means but seeing as how the person that wrote it got a CSE in something, they rekon it must be good. ;)

 

Creatures of habbit and no imagination allegedly ;)

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  • 4 weeks later...

Sent a CCA to Moorcroft on 1st June and got the response below dated the 5th.

Be grateful for advice on what to do next.

 

 

Moor croft Debt Recovery Limited

Moorcroft House, P.O. Box No. 17,2 Spring Gardens, Stockport, Cheshire SK1 4AJ.

Telephone D1 61 475 2B5B. Fax O1 61 477 3B64

5th June 2009

 

Dear Mr

 

We refer to your recently received letter requesting data as per Section 77-79 Consumer Credit Act 1974.

We duly confirm that we have requested the relevant documentation from our client and once received we will duly forward the same to you. Meanwhile, we duly confirm that all collection activity on the account has been put on hold and we will not seek to enforce payment of this debt until such time as the documentation has been supplied or we have advised you to the contrary.

In the meantime, however, we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. To this end can you provide an indication of the information you will be relying upon, when giving evidence to the court or information to the relevant statutory authorities in relation to the alleged subject matter of this account.

Please could you provide this information by return as this will ensure that all possible areas of dispute are identified as quickly as possible thereby minimizing potential costs and delays.

Should you have any questions or require any additional information please do not hesitate to contact us direct on the telephone number shown above.

 

Yours sincerely

Mrs K Murray Operational Support Supervisor

AA159/MAY09/1.4

Registered Office: Moorcroft House. 2 Spring Gardens, Stockport. Reg. No. 1703704 England. VAT Reg No. 453 1092 73

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Hi,

No need to do anything. That letter is one of several they send.

 

The only time to give them that info is when you go to court (if at all)

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would say as little as possible. I always tell DCAs that I am entitled to use the CCA1974 quoting the first line of the act. I have had DCAs try to put their own interest rates etc on the account So I tell them to show me where it allows it in the agrrement. Obviously until you see the agreement you are not sure what the postion is. Just stick to the self protection line and of course tell them they will know for sure in 12+2 days when you receive the CCA!

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It's none of their frikkin business...Just sit tight and wait to see what they come up with regarding the CCA request.

 

Thanks all for the quick assistance

Is there anyone who can look at my other thread below regarding court action and advise my next move or move it somewhere better. I am really stuck on what to do next.

 

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/192750-county-court-hearing-cohens.html#post2083232

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I would say as little as possible. I always tell DCAs that I am entitled to use the CCA1974 quoting the first line of the act. I have had DCAs try to put their own interest rates etc on the account So I tell them to show me where it allows it in the agrrement. Obviously until you see the agreement you are not sure what the postion is. Just stick to the self protection line and of course tell them they will know for sure in 12+2 days when you receive the CCA!

 

Received these documents from Moorcroft today. Does this look like they have the upper hand? certainly seems so to me.

 

Dont know how to upload so it can be read. Text is as follows

 

This Personal Loan Agreement, which incorporates the Personal Loan Agreement Terms and Conditions supplied to you with your copy of this agreement (the 'Personal Loan Agreement Terms and Conditions'), contains the terms and conditions on and subject to which, we. Egg Banking pic of 1 Waterhouse-Square, 138-142 Holborn Bars London EC1N 2NH, agree to provide the loan described below to you.

About you:

 

About Egg Banking pic.:

Postal address

About your loan:

3085856/2713003

7.65%

7.9%

In calculating this APR no account has been taken of any variation which may occur under this

agreement ot the rale or the amount ot any item entering into that calculation which may be made in

accordance wrth the Personal Loan Agreement Terms and Conditions.

Principal loan

Number of Monthly Instalments

84

84 Payments of

 

Payable by

The first instalment being due on the 1 st of the month following the date on which the loan is made or, if that dale is less than 30 days from the dale lhal the loan is made, on the 1 si of the following month. If the first instalment is paid 30 days or more after the date thai the loan is made, there will be additional interest to pay on the loan calculated at the Interes! rale in respect ot the additional number of days for which the loan is outstanding as a result. We will notify you oi the new amount of any monlhly instalment, which will include the additional amount of interest so payable, and whon it is payable, and the additional amount of interest will be added to your loan schedule. The amount you have to pay may be reduced by us in accordance with clause 10 ot the Personal Loan Agreement Terms and Conditions and will (or may) increase if you chose to make any of the changes referred to in clauses 5,7.8 or 9 of the Personal Loan Agreement Terms and Conditions.

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY YOUR RIGHTS

The Consumer Credit Act 1974 covers this agreement and lays down certain requirements for your protection which must be satisfied when the agreement is made. If they are not. we cannot enforce the agreement against you without a court order.

The Act also gives you a number of rights. You have a right to settle this agreement at any time by giving notice in writing and paying off all amounts payable under the agreement which may be reduced by a rebate.

If you have obtained unsatisfactory goods or services under a transaction financed by this agreement, apart from any purchased out of a cash loan, you may have a right to sue the supplier, us or both. Similarly if the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about the protection and remedies provided under the Act. you should contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

Please note that your loan money will be paid into your bank or building society account within 4 working days of us receiving this correctly completed, signed document

(We must receive this correctly completed and signed agreement no later than three months from the date shown on the agreement. The loan money.will be paid within 4 working days (i.e. not Saturday, Sunday or Bank Holidays)).

By signing this agreement, you confirm that the details you have given us are true and complete and that you have read and agree to the Personal Loan Terms and Conditions, especially conditions 21 and 22 (personal information). This sets out how we will use the information we obtain about you including information about your loan account This agreement will only be binding on us when we have completed and are satisfied with our final credit checks and other searches, and you have signed and returned this agreement to us

This is a Credit .Agreement regulated by the Consumer Credh Act 1974. Sign it only i! you wart to bs legally bourm by to t&ms. Signature of Borrower

Date of signature

Date 4th December 2002

egg.jpg

egg 2.jpg

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Hitchy, try this. It works

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

 

 

If you get stuck just shout,

 

fox

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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ok is there anything on the fron thats says refer to t and c's on reverse? or any wee reference numbers etc,

 

if this is front and back or has references then looks ok.

 

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Nothing else on the forms, only what is on the images. The agreement was for a loan.

 

Not sure this applies in my case, as the agreement is for a loan not a credit card so the sum was fixed from the start.

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Think youll find thats "document" and the prescribed terms are on page 1. They just would have to show page1 links to page2 in some way.

 

Anyhow if we want to pick holes with the "agreement" then I would say

 

1) the Title of the agreement is wrong, it should be under "Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974" not "credit agreement regulated by the Consumer Credit Act 1974" Also there appears to be no notice that this agreement is uncancellable so where is the right to cancel box.

 

And basically its a mess, although the prescribed terms appear to be there theyre not setup in the proper format as described in the Consumer Credit (Agreements) Regulations 1983

 

S.

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