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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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blemain/together mortgage - now on 3rd eviction notice - Friday 11th Dec


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I have been a lurker for some time now, but now need some advice.

 

I have received details of a possession hearing from Blemain Finance for a second mortgage and desperately need some help with it.

 

The form to complete from the local county court does not stipulate any reply timings

and we have trying to get as much imformation together as possible before completing it.

 

However, the hearing is early next week and we have spent the weekend getting all the information I can together.

My husband and I are self employed and because of one client going into receivership, another retiring and a third changing supplier.

I have not been able to make a payment to them since the end of May.

 

I have several broken agreements with them because of losing these clients.

I have paid them around £38,000 since starting the £46,000 loan in 2008

and only started having problems in 2012 when I ended the year just under one month in arrears,

 

 

By the end of 2013 we were around three and a half months in arrears

but had entered into an agreement with them where we were paying the monthly repayment plus £71,

 

 

however, I could only keep this up for six months and we are now around £4,100 in arrears,

 

 

I may be able to reduce this by £700 before the hearing but this depends on when we are paid.

 

We are currently rebuilding the business and have good prospects in the pipeline, but with this hanging over our heads it’s very difficult.

 

Are there any reasonable grounds on which I can request the order to be set aside,

or are the county judges obliged to grant anything over two months in arrears?

 

 

I am worried that we have a bad month and can’t make the payment on time and lose the property,

 

 

Although in arrears with our main mortgage we are tackling that and only have one year left on that, albeit it will take two years to clear.

 

There is about £550 difference between what they say I owe and what I have calculated and I guess this is various admin fees etc.

 

Any advice will be gratefully received.

 

Thanks,

 

Sara

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are your main provider aware BF are doing this

they wont like it one bit

 

I bet both mortgages are littered with PENALTY/Arrears charges

and various 'compulsory' insurance YOU CAN RECLAIM.

however doesn't help you immediate problem. dx

 

the regular BF haters should see this soon and help

 

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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Have you received a clear and understandable up to date statement,

 

one line of defence is you cannot defend against a sum that you have not had the chance to scrutinise /analise.

 

This may not be enough on its own, but may earn you an adjournment.

 

Have you any valid reasons to launch a counter claim, CCA unfair relationship 140 etc.

 

Do you know of any charges and have they been charging interest on the charges,

 

i dont know how long you have had the loan but look back as far as you can.

 

Sorry i can't be of more help.

 

Not sure about setting aside with out valid reasons.

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received a statement in their witness statement received about 10 days ago.

 

There are arrears fees and interest applied on them.

 

Had the loan for 6 years into a 15 year term.

 

The charges and interest contribute to the difference I have of £550.

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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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relevant guidance from the fca-

 

Proportionality

 

CONC 7.3.14

01/04/2014

FCA

 

(1) A firm must not take disproportionate action against a customer in arrears or default.

 

[Note: paragraphs 7.14 (box) of ILG and 3.7t of DCG]

(2) In accordance with (1) a firm must not, in particular, apply to court for an order for sale or submit a bankruptcy petition, without first having fully explored any more proportionate options.

 

[Note: paragraph 7.14 (box) of ILG]

 

 

CONC 7.3.15

01/04/2014

FCA

 

A firm should not make undue, excessive or otherwise unfair use of statutory demands (within the meaning of section 268 of the Insolvency Act 1986) when seeking to recover a debt from a customer.

 

[Note: paragraphs 7.10 of ILG and 3.7n of DCG]

 

Enforcement of debts

 

CONC 7.3.16

01/04/2014

FCA

 

A firm should not take steps to enforce a debt if it is aware that the customer is subject to a bankruptcy order (or in Scotland where sequestration is awarded in relation to the customer), a debt relief order or an individual voluntary arrangement (or, in Scotland, a protected trust deed or a Debt Arrangement Scheme).

 

[Note: paragraph 3.9h of DCG]

 

CONC 7.3.17

01/04/2014

FCA

 

A firm must not take steps to repossess a customer's home other than as a last resort, having explored all other possible options.

 

[Note: paragraphs 7.14 of ILG, 3.7t of DCG and 6.3 of SCLG]

 

CONC 7.3.18

01/04/2014

FCA

 

A firm must not threaten to commence court action, including an application for a charging order or (in Scotland) an inhibition or an order for sale, in order to pressurise a customer in default or arrears difficulties to pay more than they can reasonably afford.

 

[Note: paragraphs 7.14 of ILG and 3.7i (box) of DCG]

 

CONC 7.3.19

01/04/2014

FCA

 

Firms seeking to recover debts under regulated credit agreements secured by second or subsequent charges in England and Wales should have regard to the requirements of the relevant pre-action protocol (PAP) issued by the Civil Justice Council. The aims of the PAP are to ensure that a firm and a customer act fairly and reasonably with each other in resolving any matter concerning arrears, and to encourage more pre-action contact in an effort to seek agreement between the parties on alternatives to repossession

 

AND see here especiallyCONC 15.1.1401/04/2014

FCA

Where a firm considers taking action to repossess a customer's home, it should, where permitted, establish contact with the holder of any charges in priority to the firm's charge to minimise adverse impacts on the customer.

 

http://fshandbook.info/FS/html/handbook/CONC/15/1

 

 

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi there, the lender cannot include arrears fees in the arrears amount they are claiming and if that is what they are saying on the claim form then the figure they are pleading is wrong. What date is your hearing? we should be able to get a defence statement done over the next day or so - could you deliver it to the court by Friday?

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Thank you both for your ideas.

 

The hearing is next Monday and I can deliver it to the local court office before then, though time is running out quickly.

 

The charges are described on the statement as "Monthly Charge - Arrears" at £48 each. There are six of these since the loan was taken out and the interest is added to this figure which gives us the total figure from which the arrears are calculated.

 

However, these are quite small in relation to the total arrears. Would the court accept it as a defence or laugh it off?

 

Is it too late to file the defence online under the MCOL system?

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Is it too late to file the defence online under the MCOL system?

 

As the hearing is next week it's best to hand deliver the defence to the court.

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Thank you for that ray of hope Ell-enn, I will deliver it by hand once the defence is completed.

 

The difference I have between my calculations for arrears and theirs is the fact they have been charging arrears fees and interest on top of that, and the extra interest on the balance due to the missed payments.

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Can you let us know what you are putting in your defence please, just so we can check you have included everything that's necessary. It should be concise and to the point - have a look at how to set out a statement on page 13 of the guide here : http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession. You can also download the budget sheet from the second post in the guide thread.

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Hi Ell-en, my husband rang Blemain collections this morning to see if they would agree to the monthly payment plus £100 towards arrears until they are cleared.

 

He explained that I had had several angina attacks and was currently undergoing tests for diabetes - just got back from blood test for this. This would have cleared the arrears by October 2017, whereas the previous arrangement they agreed would finish in April 2021.

 

We also have a very sick 12 month old puppy that we believe is from a puppy farm and needs constant visits to the vet - we didn't mention this.

 

They said based on our history and broken arrangements they couldn't do anything and it would be up to the judge to decide on Monday and that they would be applying for the full arrears to be cleared within 28 or 56 days.

 

They do read out the monthly arrears charges after every call to them - does this protect them?

 

We have had a very rough three years and just want to sort it out.

 

Our only defence is there arrears charges and the interest on them - would the court accept this or is it inevitable we will lose our home? Without the mortgages we have/had around £300,000 in equity.

 

Thank you for any advice.

Edited by Sara55
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Would you like me to draft a defence statement for you ?

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OK, can you answer the following questions:

 

Is the mortgage in joint names?

Do you have any children living at home?

Do you have any documentary evidence of your medical condition (letter with hospital appointment for tests etc)

Have you completed the budget sheet yet?

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Thank you Ell-en

 

Both mortgages are in my name only.

We do not have children

I will have letters from the hospital specialists which will confirm I have angina including angioplasty operations twice to see if my heart required stents. No proof of diabetes as I only have had blood tests which are handed in when the tests are taken so the hospital knows what to check for.

I will finish off the budget sheet this evening but have all the figures ready,

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Excellent - would you mind emailing the budget sheet to me when you have completed it? I'd just like to make sure there's nothing the other side can pick holes in (if you know what I mean) my email is [email protected] (there is no space between the c and o - the site just shows it like that). Put a message on here to say when you've sent it so I can look out for it.

 

I can then complete the statement tomorrow morning and you can take it to the court. :)

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Of course I will, should have it around 7pm - it that ok, or would you prefer earlier?

 

It is based on the figures I gave Blemain in June when they agreed £25 a month, but are they shown this info.

 

What has always been difficult for them to understand is being self employed and on a tight budget, you cannot say exactly when you will be paid and I am sure their representative will focus on the number of times the arrangements have been broken. However, at times it was just a question of advising them I would be a few days late with a payment, but they made me sound like a serial killer when I mentioned this.

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This evening is fine :)

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I've got the emails and replied

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, affixed is the statement for court. You need to fill in the info where there are XXX's at the top (remove the XXX;s) the info you need will be on the court forms you have received. Read through it carefully to make sure everything is OK. When you print it out, your printer needs to be set for A4 paper (not Letter size) so it all stays on one page.

 

On the budget sheet - write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

Now assemble as follows:

Statement – signed

Budget Sheet - Appendix 1

 

Make sure it is stapled securely together. You will need to take a photocopy of it all for yourselves so you have a set to refer to in the hearing. When you hand it in to the court ask the court staff if there will be any free legal advisors on duty on the day of your hearing – if so, you can approach them and they will accompany you into the hearing and support you.

 

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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