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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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Biffinplate vs RBS


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Just about to issue my first letter asking for my charges back, do I need to claim in Scotland because it is RBS or can I issue the claim in England??

 

Thanks

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Where do you live? If you live in Scotland, you can only put a max claim in of (I think) £750 at a time so you have to break it down into several claims or you can put the claim in in England for the larger amount- but you must be prepared to travel to England for the court case (if it comes to it).

 

If you live in England then put the claim in England- then there's no problems!

 

See the FAQ for full details and to check the amount you can claim in one go in Scotland- I might have that figure wrong.

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Thanks Wardle, I live in England so the claim will be made here

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Just sent first letter to RBS asking for my charges back. It's only £340 but it all counts.

 

Busy with 2 claims against barclays (both at MCOL). Credit card companies are next.

 

Question, has anyone had an account closed by RBS or any other action taken?

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Dropped my letter off at my local branch on the 15th, just had aphone call today from the branch asking me if I want to review my accounts or to see if I am happy with the service I am getting!!

 

Coincidence????? I dont know Hmmmmmmm

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

No response to my first letter, dropped my LBA in to my branch today. Deadline 15th December.

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

Hello

 

Still no response from RBS to either of my letters! Both delivered by hand to my branch.

 

Has anyone not heard from RBS before starting MCOL action??

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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After no contact from the bank (despite 2 letters) issued MCOL today for £416.80 plus costs. Claim number 6QZ95110

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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I'm not hearing anything back from my letters either- is this a stalling tactic? I've had them delivered registered post so I know they've received them- sent to my branch and Manager of Customer Relations.

 

You seem to be about 2 weeks ahead of me Biffinplate- so I'll be tracking your progress with great interest- good luck!

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I hand delivered both to my branch. When I was in today I asked one of the muppets anbout their complaints policy. Apparently you should get an aknowledgement within one week. The muppet did leave a message letting me know that I should hear something from Head Office soon.

 

Very little very Late!!

 

Good luck with your claim, I will let you know what happens.

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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HI there - ive just obtained Judgement against RBS and still not heard anything from them nor received any statements!!

 

Still there is a directions hearing on 10.1.07 - so maybe they will wakeup in time for that.

 

I did read on other threads that the District Judge in Cardiff wanted to know the name of the data Controller to he could be sent to prison - does anyone know the identity of the data controller and Ill ask for an order that he/she be imprisoned if they still fail to produce my financial information!!

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I know that Customer Relations claims to be about 6 days behind with the volume of claims (Score!) but it took nearer 9 days beyond MCOL deadline for them to get me a reply....and it wasn't the reply I was looking for.

 

So if your cases have been escalated to TMcL's domain it may be the workload thats causing them to miss your deadlines..I would just carry on regardless. (As will I when I get money together for the claim! Grrr:mad: )

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Hi All

 

Just looking for some advice as I have noticed a school boy error on my claim form. The particulars of claim are correct, but the amount calimed is wrong, e.g. charges £340 + interest £41.68 = £381.68. The amount claimed (without court charges) is £416.80. I have tried to contact the court today but was too late to amend my claim.

 

Question, do I need to cancel this claim and re issue or can I do something else?

 

Thanks in advance

Biff

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

Hi all

 

Received a letter today from RBS (first contact since my letter asking for it back 15th November)

 

They have offered me the full amount of charges back, but as they did not respond to any of my letters I have started an MCOL claim and they have not offered any fees or interest back. They have acknowledged the claim.

 

Should I write to RBS asking for them to pay my fees and interest as my claim has been started or does anyone think the judge will look at the offer made and think it was reasonable??

 

Thanks

 

Biff

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Hello All

 

I have decided to accept RBS's offer to pay my charges back without asking for the court costs. I know i should hang on for the court costs but it is only £50 and I could really do with the money.

 

Quick question for the mods/site helpers. i am going to make my donation but is it best to do one big one when my other cases are settled or it is easier to make smaller donantions for each claim??

 

Thanks to everyone who has helped.

 

Biff

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Hello All

 

I have decided to accept RBS's offer to pay my charges back without asking for the court costs. I know i should hang on for the court costs but it is only £50 and I could really do with the money.

 

Quick question for the mods/site helpers. i am going to make my donation but is it best to do one big one when my other cases are settled or it is easier to make smaller donantions for each claim??

 

Thanks to everyone who has helped.

 

Biff

 

 

A call to their solicitors may make them pay the remaining cash. I would hold on for all teh money as you have started MCOL. They will pay all the cash and interest. As for donations it is up to you. :D

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Thanks Lively

 

I think I will write to their legal department and see if they are prepared to pay my costs and I will stop the claim.

 

Cheers

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Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Share on other sites

No they have said nothing about conditions, only that they do not accept any liability or should I look to get charges refunded in the future they may need to condiser whether they will continue to offer me the flexibility I currently enjoy.

 

But yes January is a good time for a late prezzie

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

Zackly the same letter i got from them. I sent a "don't be silly" letter back and still got my money!!! :D

 

Check my thread if you want the wording I used - and some helpful suggestions from other posters.

 

Congratulations on your win - well done.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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