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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. 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. Can a PPC (claimant) 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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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We will not be refunding any of the charges


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Hi I wonder if anyone can help? I've just received a letter this morning sateing that they feel the "charges are fair, reasonable and transparent, they consider that the amounts debited to my account have been applied strictly in accordance with my agreement with them and are satisfied they comply with applicable laws and regulations".

 

They go on to say that they have "considered and responded to the Office of Fair Trading's findings in relations to credit card fees and are concerned that the OFT has publicy called into question the settign of charges applied to other products incl current accounts. The OFT has restricted its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other entirely different products"

 

"Consequently, against background, we must differ with the views expressed in your letter and will not be refunding any of the charges to your account".

 

What do I do? Is there any point in pursuing, or should I take it that they will not refund me?

I would be grateful of any advice, this is pretty scary stuff!!

Thanx

:confused:
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Guest Battleaxe

Looks like all the banks are singing from the same song sheet. A *& L aand MBNA send the same ones also.. Stick to you timetable. They are hoping you will fold and go away..

 

Onwards and upwards

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Tell them to take a hike!

Just carry on with your timetable, you will get your cash back!

 

Don't worry, that's a bog standard reply.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Just to put in my 2p worth. Same as everyone else really.

 

This is standard tactics by all of the banks. It's meaningless bluster. Carry on and stick to the timetable. You will get there, just don't let them intimidate you.

 

Anytime you need support or are worried just post up on here; we've all been there.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Hi, I've also received a 'we will not be refunding any of the charges letter' but the guy rattled on that my letter referred to credit card charges which I have checked and it was the correct standard letter that I copied and pasted from the templates. He also said that I was wrong to say that the bank was acting as a fudiciary and that I should seek legal advice????

 

Has anyone else had this kind of letter?

 

thanks

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Hi, I've also received a 'we will not be refunding any of the charges letter' but the guy rattled on that my letter referred to credit card charges which I have checked and it was the correct standard letter that I copied and pasted from the templates. He also said that I was wrong to say that the bank was acting as a fudiciary and that I should seek legal advice????

 

Has anyone else had this kind of letter?

 

thanks

 

Do you have a thread about your claim? Can you PM me a link to it please.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Do you have a thread about your claim? Can you PM me a link to it please.

 

Pete

Hi Pete

 

I'm not doing too well with this site as every time I try to set up a thread it says I don't have the access requirements. What do you want to know?

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Hi I wonder if anyone can help? I've just received a letter this morning sateing that they feel the "charges are fair, reasonable and transparent, they consider that the amounts debited to my account have been applied strictly in accordance with my agreement with them and are satisfied they comply with applicable laws and regulations".

 

They go on to say that they have "considered and responded to the Office of Fair Trading's findings in relations to credit card fees and are concerned that the OFT has publicy called into question the settign of charges applied to other products incl current accounts. The OFT has restricted its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other entirely different products"

 

"Consequently, against background, we must differ with the views expressed in your letter and will not be refunding any of the charges to your account".

 

What do I do? Is there any point in pursuing, or should I take it that they will not refund me?

 

I would be grateful of any advice, this is pretty scary stuff!!

 

Thanx

 

hiya,

 

i received the same letter from the bank, it is just a wee fob off letter just you carry on with your timescale as others have said.

 

Good luck

BOS-CC

21.6.6 - DPL pstd, 24.7.6 - Plm Ltr £2928.77 ,01.8.6 - Ltr rcvd from BOS- fob OFF,04.8.6 - LBA pstd,06 - Sm Clms fr crt,12.9.6 - rcvd £868.35 part pymnt, £2198.67,12.9.6-ltr acptng pp and lba,

31.10.6 - Sm clms fr crt

BOS-Crt(2)

21.6.6-DPL pstd,04.8.6-Plm Ltr £4824.93,24.8.6-LBA pstd

RBS1

24.7.6-DPL pstd,05.9.6-Plm ltr £3232.47,19.9.6-LBA,31.10.6-sm clms crt Won

RBS2

18.9.6-DPL pstd,08.11.06-plm ltr £1,138.51 Won

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Hi, I was sent exact same letter then received an offer of half of what they owe me. Its to try and get you to back down......... dont!

 

Good luck

 

Batty

make the most of today because tomorrow you can't go back ;)

Batty_uk

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Hi there,

 

I've had exactly the same letter, and to be perfectly honest it makes me hoping mad!. I will go on!, but how do i respond to this?, send another letter? i.e. Letter before action?.

 

Cheers

j :-)

Data Protection Letter RBS 18/10/06

Preliminary approch letter - RBS for £984.68 08/11/06

Data Protection Letter MBNA 18/10/06

Amount charged £1,126.25

Data Protection Letter Barclaycard 18/10/06

Amount charged TBC

Data Protection Letter HBOS 07/11/06

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LBA and make sure that you add any additional charges that you may have incurred since you sent the original Request for Payment Letter. I'm just about to send mine and I've also added;

 

Please also be aware that I am a member of the Consumer Action Group. May I suggest therefore that it would be prudent for you to respond positively to this letter and not issue the standard delaying response which will only prolong this matter and incur the bank additional charges as I fully intend to take this matter to an acceptable resolution?

 

Hopefully this will make them get their finger out but I'll let you know!!

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hi,

I got exactly the same letter on 31st October, so I sent off my LBA on the 6th November and recieved my offer on 13th November.

I sent off my rejection letter on 15th November, and start my court claim on 20th November if they do not settle.

So just send your LBA off and sit back and wait.

regards

kev

[sIGPIC][/sIGPIC]

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Me too! Stuck to my schedule & one bank has just sent a cheque for a third of my claim (which has been torn in half & returned today!)

 

Not bad to say they weren't refunding charges eh! They will change their tune at some point - don't worry! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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hi,

I got exactly the same letter on 31st October, so I sent off my LBA on the 6th November and recieved my offer on 13th November.

I sent off my rejection letter on 15th November, and start my court claim on 20th November if they do not settle.

So just send your LBA off and sit back and wait.

regards

kev

 

If you could let me know how you get on as i'm only a few weeks behind you, slightly nervewracking that you have to go to court and all but hey for a £1k i'll do it!.

 

Cheers

J

Data Protection Letter RBS 18/10/06

Preliminary approch letter - RBS for £984.68 08/11/06

Data Protection Letter MBNA 18/10/06

Amount charged £1,126.25

Data Protection Letter Barclaycard 18/10/06

Amount charged TBC

Data Protection Letter HBOS 07/11/06

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If you could let me know how you get on as i'm only a few weeks behind you, slightly nervewracking that you have to go to court and all but hey for a £1k i'll do it!.

 

Cheers

J

 

Prob won't end up in the courtroom anyway - most seem to be settled at the last minute! But hey if it does as u say - it's worth it in the end!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 2 weeks later...
Hi All

I have had that letter twice now. Once after my letter for refund of charges and again this week after my LBA.

Anyone else had this problem. I presume this is a stalling stactic too.

I will be submitting my court claim this week.

Any help gratefully accepted.

 

Yup it sometimes seems like ur just going round in circles! have a look at my thread for RBS (Mastercard) latest stalling tactics ... tryna get me to pay them £10 for them to produce copies of my statements (which I already have) so they can use them to process my claim!!! Cheeky or what! I've challenged this n they now say t save the tenner I can copy mine & send them to them to use instead! Not too bad though - they have sent me a 1st class pre paid envelope!! :rolleyes: lol

Feel free to click my scales if I have helped you

:)

 

links to my current claims ...

chezt v's Studio Cards

My claim - Yorkshire Bank Visa

chezt V Duet Card/Creation Finance

chezt v's Littlewoods Catalogue

chezt V RBS Mastercard

Chezt v RBS Joint Account

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Just to add my bit. I received exactly the same letter from Mark Slinger. I rang him and asked if I should address the summons to him personally now that he was dealing with it. He back pedalled furiously and admitted that it was a "standard letter" that anyone dealing with my letters would have sent. I recorded the phone call and will try to add it to my court bundle.

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