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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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    • 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.
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      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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M+S Default Removal


Harry May
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Hi Guys,

 

I had a dispute with an M&S agreement which was a very bad copy of an application form back in 2008 sending all the relevant letters etc... This is now seven years ago. M&S sent me a default notice at the time and then sold the alleged debt on.

 

below is a time line of what happened and a few questions hope someone can help.

 

March 2008

 

Disputed debt from M&S sent letter cca request (poorly eligible application form) Approx £4000

 

August 2008

 

M&S transferred alleged debt to debt collectors (Collect Direct)

Collect Direct wrote threatening to take me to court - Sent them a letter explaining that the debt was in dispute and that was the last we heard from them.

I also sent a letter back to M&S as they sent the same eligible application form and I stated that the account was in dispute under section 78(6) states that while the account is in dispute it cannot be enforced.

Note This was the last correspondence we had with anyone todate

 

Dec 2009 - Present

 

Started getting numerous letters from 1st Credit (Finance) Limited threatening to take me to court to offering substantial discounts off the alleged debt received over the next few years at least once a week. Along with phone calls and texts.

Also Letters from Lowell Finance & Connaught Collections

 

Below are a few of the letters received:

 

May 2014

 

Received letter from M&S stating that they have sold the debt to 1st Credit ( Finance) 4 Limited on the 25/01/2013

Received letter from 1st credit "County Court Proceedings Being Considered"

 

July 2014

 

Received letter from M&S stating that they have sold the debt to 1st Credit ( Finance) 4 Limited on the 25/01/2013

 

October 2014

 

Received letter from Solicitors Moon Beever acting for 1st Credit

Day later letter from Connaught Collections

 

August 2014

 

Letter from Lowell Financial stating that they have written to us on numerous occasions and offering a discount.

 

March 2015

 

Received letter from M&S stating that they have sold the debt to 1st Credit ( Finance) 4 Limited on the 25/01/2013 ( Cannot understand why they have contacted me now when the alleged debt is now over six years from 2008 Also they had already sold alleged debt off to Collect Direct in August 2008 which is also over six years ago and also to Lowell Financial).

 

Also received letter from 1st Credit (Finance) Limited stating that they have assigned a debt from 1st Credit (Finance) 4 Limited.

When checking credit reference agency I noticed a default from 1st Credit Limited suddenly appear which was not there last month but on further investigation found that they had lodged a default in Dec 2009 ( did not receive any Default Notice) and when I recently updated my credit file with old addresses it appeared so must of been linked to an old address.

 

Questions

 

1) If a debt is over six years old and gone off my record can a debt collector still keep a default on your credit file even if the account is in dispute and now statute barred?

 

2) Also M&S have written to me way over the six years to tell me that they have sold the debt in 2013 to 1st Credit (Finance) 4 Limited.

 

Are they in breach as the account was in dispute and the alleged debt is now statute barred?

 

3) Is there a limit to the number of creditors that can chase you for a debt?

 

I have had 1st Credit & Lowell Financial Chasing me at the same time.

 

4) Can a creditor put a Default on your credit file if the account is in dispute?

 

5) M&S issued a Default Notice in 2008 & 1st Credit added a default on my credit file in Dec 2009 is this allowed?

 

At no time have I received any Default Notice from 1st Credit and only recently since checking my credit rating have noticed this default.

 

Thanks in advance for any help.

 

Harry May

Edited by Harry May
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Questions

 

1) If a debt is over six years old and gone off my record

can a debt collector still keep a default on your credit file

even if the account is in dispute and now statute barred?

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

 

2) Also M&S have written to me way over the six years to tell me that they have sold the debt in 2013 to 1st Credit (Finance) 4 Limited.

- doesn't matter

 

Are they in breach as the account was in dispute and the alleged debt is now statute barred?

no

 

3) Is there a limit to the number of creditors that can chase you for a debt?

ideally only one should be 'asking' for payment, but many are the same 'group' anyway

an sb'd debt in E&W can still be chased

as it still 'exists'

 

I have had 1st Credit & Lowell Financial Chasing me at the same time.

 

4) Can a creditor put a Default on your credit file if the account is in dispute? yes

5) M&S issued a Default Notice in 2008 & 1st Credit added a default on my credit file in Dec 2009 is this allowed?

no as above

 

At no time have I received any Default Notice from 1st Credit and only recently since checking my credit rating have noticed this default.

 

Thanks in advance for any help.

 

Harry May

 

 

.............

 

edit, I'm a bit confused, above you say it doesn't show on cra, but later you say it does?

 

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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Many thanks DX for your quick response.

 

Regarding the cra I only recently joined one and did not enter my past addresses and my credit file was excellent!

 

Then last week I updated my file with my old addresses and that is when I noticed the default suddenly appear.

 

I then found out that 1st Credit had put this on in Dec 2009.

 

 

So are you saying that after six years of the debt being gone with no payments and no correspondence that all the defaults should be gone as well even if they put them on later?

 

M&S account stopped paying Dec 2007 six years would be Dec 2013

 

No correspondence since Aug 2008

 

If I understand you correctly any defaults should of gone when the account went (after six years) if so how do I go about getting this default taken off?

 

Best regards

 

Harry May

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you are lumping defaults with statute barring

there is no direct link.

 

 

if the debt in its summary top line has a defaulted date

 

 

that debt should be totally removed from the cra file on the defaults 6th birthday.

never to return, regardless to any later defaults etc etc

 

 

that's does not mean the debt might not still be owed mind.

 

 

statute barring is 6yrs from last use or written & signed acknowledgement

if/if not a debt shows on your CRA file is nowt to do with any SB criteria.

 

 

if you have proof that the debt was listed as defaulted

more than 6yrs ago and still shows

you need to provide that proof to the CRA people and demand the debt is removed under the ICO guidelines.

 

 

placing another default on the file should not hold the debt on the file

for another 6yrs

unless you rectified the old default within 14 days.

 

 

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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no not needed.

 

 

if you have documented proof

like and old cra file printout

or a copy of the M&S DN or record of it in say and sar

 

 

all you need to do is simply send that with a cover note

asking why the file is still showing outside of this defaults 6th birthday.

 

 

don't forget mind

there are three cra providers

 

 

might be an idea to tackle one

 

 

then fwd that around the others when successful.

 

 

most of them have live chat

noddle has a free query service.

simply ask the question there?

 

 

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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  • 2 weeks later...

they cant change the OC's original defaulted date from the CRA file

but 6mts is not really an issue

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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Hi DX,

 

Thanks again for your quick response

 

 

do you think if I wrote to the cra after July and show them the original default notice

they will take first credits default off or is it best just to wait until December!

 

Regards

 

Harry May

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post 6 answered already

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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