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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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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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can you elaborate on what needs to be dealt with please?

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I can't afford the payments i have offered them 3.50 a week

they are refusing and are now staying it will go to next stages but are not saying

 

I got to wait for a letter

 

they're being really unreasonable from the start

and had people at my door three days after the first payment was missed

 

im not even living at my address no more but haven't told them

 

have been contacting them through email

 

what can the do next

 

the debt is about 800

 

Ice not them

 

I'm not handing back the goods

 

Can they find me of one moved also

 

I'm not sure I replied properly.

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How many agreements?

how much are the payments and do they include 5* cover or OSC and DLC?

When did you take the agreements out?

 

Do you have the items still and the original agreements?

 

Sorry for all the questions but in order to help we need as much info as possible

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They're just under £10 a week

it has accidental an theft cover

it was taken out end of October

an yes I have the item

but don't live at the address they have for me

 

can they get the right to come n. My home an take it back if they find me

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

 

The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL

Edited by martin2006

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I done this

but had the area manager on the phone refusing my offer

 

 

sent them numerous emails and proof of my change of circumstances

 

Can they find me at my new addresse

 

My creditors are temple finance

what is this addresse as I've got a different one for head office e

 

They also won't take off the tad as they say I don't have my own

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You should stay off the telephone - you need to make any offer in writing.

 

Whilst this will obviously give them access to your new address, they will be able to track you down via credit reference agencies, utility, electoral roll.

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Would a court let them take the goods even though I have offered them payments

 

They caught me off a mobile no

I asked them to email to confirm they are refusing my offer

il not giving them my new address

 

Aren't utilities protected against data protection?

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

Ignore martin, hes had too much to drink :p...

 

Perfect Homes Address

 

Head office

Temple Finance Ltd trading as PerfectHome

Coleshill Manor Office Campus

Coleshill

West Midlands

B46 1DL

 

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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My apologies vi2016, i have amended the address given in post #7

 

Some utilities will report to credit reference agencies so yes in that respect, they can trace you via utilities.

 

They cannot repossess anything without a court order and they dont do that anyway from previous experience with them.

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Ignore martin, hes had too much to drink :p...

 

HIC :oops:

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

If its passed back to head office, wait for their reply now, unless you cant receive a reply since youve moved.

 

IMHO i wouldnt try to hide from them, it wont help further down the road

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

I've genuinely had a change of circumstances and have tried to come to a arrangement t

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

Please make sure that you dont keep posting over and over again... try to keep stuff to one post, it gets difficult to follow and tidy up the thread :)

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

that doesnt mean for one minute they will just walk away from your account, nor should you think they will

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That's why I'm trying to arrange a payment plan with them

but they are refusing and saying if I don't hand back the goods it will go to the next stage ,

do u no what this is ??

 

I don't want it to go on my credit history either

 

They're saying the least they will accept is five an I've offered them 3.50 a week

 

 

surely this is better than ignoring them an letting them go to next stages

 

 

they haven't visited as I complained and they said I have removed their rights now

 

 

I've fully corresponded with them in emails to try an resolve this

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paying a reduced amount, whether its 3.50 or 5.00 will impact on your credit file as it will be reported that you paying less than the contracted amount.

 

Firstly ask them to remove the unnecessary insurances, this will bring the weekly amount down, do you know how much the item would be without the insurances added on?

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I've already asked them to remove this in writing

they said unless I can prove I have my own insurance they can't take it off

 

 

it would be about 8 a week with out the insurance

 

 

do you no what the next step is after ive refused to hand back the goods

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I've already asked them to remove this in writing they said unless I can prove I have my own insurance they can't take it off it would be about 8 a week with out the insurance do you no what the next step is after ive refused to hand back the goods

Read the document.... Thats the rules on arrears reporting etc

 

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**Fko-Filee**

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They will no doubt mark your CRA with late or reduced payment markers, which, when this amounts to 3 months of arrears, could then result in the issue of a default notice, that will be sent to your last known address as held on PH system so if you havent Told them you've moved, you wont know about it.

If the defaulted payments are not brought up to date, they can register a default against you which will remain on your file for 6yrs, regardless of where you are living.

 

All the above info is written in the pages posted above by fkofilee

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Yes I read this so apart from it leaving bad credit which looks like it's out of my hands ,

so after I've refused to hand back the goods what's the next step

 

 

I've been told that after 12 weeks it will go to a debt collection agencies

 

 

do we no what's the next steps from them now

 

 

I'm hoping they will contact me via email as requested as I'm no longer st the addresse they hold for me

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What is the reason you are refusing to simply hand the item back, that would relieve you of the commitment and not have the impact on your credit file?

 

What is the item?

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