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    • 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.
    • 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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old credit card debt with RBS transferred to WESCOT = WHAT TO DO??


HDEBT
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Hi HDebt

 

Is this to do with your RBS Thread? If so we can merge it.

Is it still with RBS? I can give you an email address if you need it for the boss @ RBS.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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threads merged

please action post 25

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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Hi HDebt

 

Is this to do with your RBS Thread? If so we can merge it.

Is it still with RBS? I can give you an email address if you need it for the boss @ RBS.

 

Yes its to do with my rbs thread. Yes please to their address I would so be grateful

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Yes its to do with my rbs thread. Yes please to their address I would so be grateful

 

Thank you for your reply and for merging the thread.

I have my agreement and checked it all correct.

 

Could you please send me the address I need to write to the boss at RBS FOR OFFEREING a settlement for my credit card debt.

 

I have already posted them a letter over a month ago and heard nothing.

 

I am now concerned I have the wrong address or they are simply ignoring it!!Kind

 

RegardsH

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Apologies, I keep trying to post and it wont go thorugh.Someone please help - DOES anyone have the RBS address I should be writing to when offering a settlement. I sent my letter six weeks ago now and think it is for the wrong address.Someone offered an email address - Please if anyone can helpThanks H

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Just take a copy of your orig letter,

addressed to , into any RBS branch

and require them to put it in Bank's secure Internal mail system.

 

 

Make a note of time, date and person who accepts it, for future ref.

 

RBS have an extensive internet presence,

so tel HO switchboard and ask for info.

 

 

Many Organisations do not reveal email addresses of senior staff, but may connect you to rel Sec/PA.

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Howdi

 

Heres the Email Address for the boss of RBS.

 

 

Any issues or need any further help let me know.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you for the email address. I am going to send an email today. I also received a letter from Westcots at the weekend to my old address telling me I hadnt paid the 1.00 per month since end of June.I dont pay them I have paid the 1.00 at the bank to RBS as always and totally ignored the fact Wetcloths exist.Is it normal for this type of letter?Thanks H

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Ignore wetcloths

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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Sent email

- Funny really as did not expect reply so fast,

within two hours I had a reply saying this will be looked into and I will be repsonded to within 10 days.

 

all I can do now is have hope and keep the faith, otherwise nothing will change for me.

I will keep you updated.

 

Dissappointed they didnt respond to my letter and it took me emailing the CEO to get anywhere.

 

I have limited access to the internet so got to have the hope they realise this is all i can offer and get in touch soon, waiting is awful.Thank you for help so far. I am ignorign Wetcloths.H

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Received reply from RBS

- They have informed me that my corrospondence has been passed to Westcot as they are responsible for the day to day management as account is with Westcot.

 

 

They said Westcot will contact me once reviewed my offer.

Is this normal?

I have continued to pay my 1.00 to RBS and ignored Westcot to date.

 

 

iS THIS WHAT USUALLY HAPPENS?

 

 

Kind RegardsHelen

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You have a right to deal with the Original Creditor as the debt has not been sold on in full.

Tell them you wish to raise a formal complaint about the matter, and they will then be forced to deal with you.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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simply ignore wetcloths.

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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I have received another email from RBS

- I had asked them if they have sold the debt to WESTCOTS.

 

They have replied to me with the following:

The debt remains with the bank but Westcot are now responsible for the day to day management which includes agreeing repaying plan and assessing settlement offers.

 

In view of this,

I have asked them to review the offer and contact you once a decision is made.

This is from the Executive Office RBS

 

i am confused, as they are telling me that it si up to Westcots and although I have gone to the top of RBS, they are insisting it is up to Westcots.

 

I have not contacted Westcots as RBS are doing that and I will hear from Westcots.

This must be the new way of doing things, passing the buck????

 

Dont understand why if debt is still with them that they go to the comapny they have managing it

- I now find myself confused and quite unsure of what happens now.

Thanks for help so far Helen

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Wetcloths are not debt BUYERS!!!!!!!!!!!!!!!!!! so just ignore them,

stop silly letter tennis,

 

 

RBS are just being lazy )

No doubt thinking of sacking a lot of staff in the offices so the chairman can buy an expensive yacht as another CEO has and gets away with it)

 

 

cannot see why people waste time on Wetcloths and giving them monies for office parties at some peoples expense and leave people starving, Know what I would like to do with the people that runs these companies - enough said, pay RBS as you do now.

 

Do as I and 1000!s others do bin Westcot letters they give up after a few, and carry on regardless pay the owners only.

Edited by dx100uk
:mad2::-x:jaw::sad:
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  • 8 months later...

Hi Helen

How did you get on with your F&F offer to RBS/Wescot?

 

I haven't heard anything from Wescot for a few months when they said it was time for my annual review (first one since they started managing the debt) but if I was happy to continue paying £1 per month, then no need to contact them.

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why are you paying wetcloths

they are powerless.

 

 

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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