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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?
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Creation Store Card reclaim late fees


HP Mum
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  • 4 weeks later...
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CFS have appointed a DCA - who keep sending me letters about the debt. Can they do this whilst it is in the court system? I thought that once an account was disputed that all collection activity had to stop? They also keep noting the account as defaulted each month....

Is there a template letter I can use to get rid of the dca?

 

Can I send the dca something along the lines of:

 

I refer to your letter of xx, the content of which is noted.

 

The account to which you refer has been in dispute with your client since xx.

 

Furthermore, I have issued a Court Claim against your client

- they are the Defendant; I am the Claimant.

 

The debt amount in question is disputed and the default issued against me is erroneous.

My claim against your client is for a far greater sum than the amount you allege I owe.

 

In the circumstances, your/your clients threat of legal action appears to be not only redundant,

but a breach of the Consumer Protection from Unfair Trading Regs 2008

and the FCA's consumer credit sourcebook

 

Claims made by you or your client will be robustly defended and the Court's attention drawn to the above statutory breaches.

 

I reserve the right to bring the conduct of your client to the attention of the Court

when the issue of costs is being considered.

Yours faithfully

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Hi Mum,

 

It's a bit longer than I'd have written which would be :-

 

I refer to demands made by you in respect of the alleged debt.

 

This matter is in clear dispute and is currently the subject of court action taken by me against the Defendant who is your client.

 

You should contact your client for confirmation about the court action and ensure that no further demands are made, until my court claim is resolved.

 

:-)

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Update

I have received allocation and directions

 

I have 7 weeks to compile all info to help my case, or to negotiate with them on a settlement.

Might I next expect a letter from the same Sols about settling?

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Hi Mum,

 

Can you confirm the date by which you must file and serve your bundles.

 

The sol'rs will be in no hurry to settle and it is YOU who should make the first move. They'll be paid regardless of the outcome.

 

You can write to them saying, "I have received Directions from the court setting out the dates for submission of evidence and the hearing date.

 

I will shortly begin finalising my evidence which will involve considerable time and expense.

 

In order to avoid further use of the courts resources, and the costs involved in ongoing litigation, I invite you to settle my claim as filed.

 

In order to communicate faster, you may wish to reply by email to [email protected] "

 

:-)

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Hi

The date docs need to be presented is 1st July.

I have never had any correspondence from CFS. They never replied to any letters.

So I guess maybe I assume the dca chasing me for payment of the debt is the same dca to contact regarding settlement?

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No mum any settlement correspondence goes to the sols not the dca

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Hi Mum,

 

Apart from the letters above, ignore CFS completely.

 

Negotiations will be with the sol'rs defending BC in litigation.

 

:-)

We could do with some help from you

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  • 3 weeks later...

Internal Sols for CFS??

I have apx 4weeks before the hearing.

So I think I need to get my skates on.

I will draft a letter tomorrow.

 

 

I just checked my file and their defence came from internal sols so will send to them....

 

 

(I have been slow with this as very busy with other work/personal issues)

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Hi Mum,

 

Use the draft in post that post earlier if you haven't sent it already.

 

It should go to the internal sol'rs as you say.

 

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Hi Mum,

 

I don't see a need to use Without Prejudice.

 

:-)

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So NO news from CFS

 

 

I have another case with Barc that needs my attention - have to present docs by Tues. So am under pressure.

BUT - this is looming very close. I need to produce bundles for the court/defence within 3 weeks. And have not started yet.

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So what date is this hearing ?

We could do with some help from you.

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  • 2 weeks later...

I have just finished an epic few days compiling docs for another case which had a looming deadline.

I am now turning my attention to all the docs (bundle) that need preparing for this case.

I assume - unless someone tells me I am wrong - that I can now edit my other docs to suit here????

 

 

I do have a query though.

I have been packing/moving and somehow the file of card statements has gone missing :-(

So I have NO statements to include in my bundle.

Is this a major problem? ie if I don't have the statements I can't prove the penalty charges??

I have the dates and all our correspondence in a separate file on my desk. I just cant find the big file of statements.

Can I now (today) write to CFS asking for statement copies of the dates I am contesting?

It is very late in the game - as my full bundle needs to be delivered by next Friday.

 

T&Cs - does anyone have CFS T&Cs from 2003 and/or 2004?

 

Anyone?

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Hi Mum,

 

The 2 claims are based on the same principles so, with careful editing to reflect this being a store card case, the same doc'ts can be used.

 

I suggest you send off an SAR immediately for the statements. Or make it a top priority to find the "file of card statements" you refer to. I don't know if you can refer the the actual statements in the bundle and state "to follow due to house moving", so you can fwd them on receipt.

 

I'd like Andyorch to comment about this and will ask him for input.

 

:-)

 

Hi Mum,

 

Andyorch has replied :-

 

Just disclose the spreadsheet...that should contain and constitute the validity of the claim ... without the need of every single statement.The spread sheet I assume would be an exhibit to a witness statement which would contain a statement of truth.

 

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Thanks Slick Not many were looking here so added it to my other page and yes, he did reply there. So kind of sorted on statements ;-)

Now just need to prepare the bundle today/tomorrow.

Going to be a busy morning....

 

 

Just one thing - I'm moving very soon. Mail will be on divert. Should I tell the courts my temp address or just leave the mail on divert?

Just not sure if recorded/special delivery needing a sig is ok on divert? Or should I give them the temp address?

(Its just a temp before find a more permanent base...)

 

re: storecard editing - yes I definitely need to do this as my POC was full of errors calling them bank or bankcard etc... Have been going through my witness statement altering every 'bank' to storecard.... They did pick up on this.... I'm a newbie - they all seem the same to me!!

 

Is receipt of docs ok 14 days in advance?

Just trying to give me more time to complete this week!

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You must do as the directions say mum, deliver the docs to the court and the other side's solicitors, 14 days before the hearing

Edited by martin2006

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Ok thanks.

Working hard now.

 

I am struggling to find T&Cs for 2003 / 2004.

I really, really need to find some - as I need to refer to them in the Witness Statement.

ANYONE?

 

I understand there is a work in progress section in the library for old T&Cs. I just tried to access the library and it says I don't have access to that area. Has it moved? Or do I need to do something else?

 

Just a thought:

The Prelim letter I wrote asked CFS to send me the t&cs in force at time of account opening and any amendments subsequently. They were requested under CPR Pre-Action Protocol 4.6c. I mentioned that failure to forward these t&cs would be brought to the attention of the court if I was obliged to commence legal court action.

CFS never replied; never sent the T&Cs.

 

 

Should I mention this in my statement?

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Its all part of their none compliance to any section 77/78 request

We could do with some help from you.

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