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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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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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Hi guys massive advice needed.

 

I'll try and get to the point but this is so complex you would not believe.

 

Split up from wife in Jan 14 moved out she stayed in house due to the 2 kids.

Morgage solely in my name.

 

Went on credit report Nov 15 due to not being able to get a overdraft credit card or add a tablet to phone contract.

Couldn't access it for weeks due to many factors one my own fault did no realise I wasn't on electoral roll.

 

When I did get on it there was quite a bit of debt

not a huge amount but things I knew nothing of.

Signature forged etc.

 

One debt ended up in a CCJ, but I went to court and had it set aside.

I have not reported her for fraud due to the kids.

 

Lots of credit searches in her name to payday loan company's

many to a company called welcome finance.

 

Who had been calling me about a debt for a few months prior about a joint account .

Yet every time I went down local office when I found out where it was

no one would speak to me due to data protection.

There is nothing on experian tying me in with this debt no default, no loan account

 

Due to CCJ I contacted land registry to see if anything there

and a legal charge secured loan to progressive finance 2006 again not clue how.

 

Do some digging and welcome and progressive same company

. I email them for more info.

They tell me it's down to a secured loan I took out in 2008?

But the charge says 2006

 

I asked for further information on this? Such as a credit agreement.

As I have had no dealings with your company.

Other than a few phone calls regarding payments

 

when I went down to the local office in Merthyr and returned phone calls asking for more information

no one would speak to me regarding it or provide what I asked for.

I requested a CCA which the returned po and asked for my signature

 

I did not sign and told them they gave sent information before so I have no need to prove who I am

 

they emailed a credit agreement dated 2008 which looks like my signature

but you can barely make figures out.

 

After the 12 + 2 days were up.

I head office they were now in default and they had not provided me with what I'd requested

 

. I then received a sar.

I had a default notice asking for arrears from local office

, they were sent a debt dispute letter.

 

I had thank you for being a good customer

and local branch were moving in April 2016 heard nothing since

 

I look through sar there are blank pieces of paper with my signature on there are loans

some look like they are my signature some definitely aren't mine.

 

almost all have her and my signature loans are from 2001 to 2008

the last loan was for 30 grand and 39 grand interest on top 300 months?

 

There are call logs saying mr called in

was not me phone calls again not me

 

. But the handful of times I did ring or go down to get answers nothing logged

. Am bank statement in this sar are ex wife's.

 

There are some of my bank details for direct debits

I've checked my bank there were many payments to welcome.

No dockets of mine in there or proof of my wages at all.

 

There a piece of paper saying legal charge 2008 but it hasn't been registered with land registry.

 

There are statements and I have to admit when I left in 2014 I paid money to this company as she worked out who would paid what.

Stupid not to question but my head was in shed when I left. .

 

I have calculated that £20.6026 has been paid to loan since 2008

balance on then was £30,514.26 and still stood at £25,384.31 in July 15

 

no payments since jun 2015 cos I had already wised up by then

and thought why am I paying a debt that's hers.

 

The loan before this in 2006 you can't read figures on the fixed loan sum agreement

it looks like £429 a month.

 

on the contract and legal charge agreement it says £129.39 180 months

they all look like re writes but not all are that readable.

Plus they have overinflated house price in 2003.

Is this loan legal enforceable?

 

What can I do? Help??

Still haven't heard a pip out of welcome.

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So what is your actual problem?

You say there is no charge showing

And

Your CRA file is clear too

 

So......

Just the fact that you owe them?

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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The problem is my name looks like it's all over it.

 

I have had no dealings with this company until last year.

 

A charge in 2006 for one loan but the loan is 2008 is not registered with land registry.

 

I don't know what to do as regards to this loan I knew nothing about

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OK still trying to understand what you are writing

Its not too clearly explained

 

So there is a charge showing from 2006 against the home

 

I suggest since then everything has been refinanced lots of times??

 

So you want the charge gone?

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 would like charge gone and there was only one loan after this it was taken out in 2008 (not by me) gone

and I'm unsure as to which steps to take on this.

 

I must add that I have paid off other debt that my ex wife took out.

 

But I am in no position financially to pay this off if they do come after me

Edited by cruzhughes
Needed to add more
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I suspect each and every loan has

ppi

numerous insurances on each one

and probably MIF too?

 

all of those are reclaimable at their int rate.

 

any chance you can scan each agreement up?

one multipage PDF document please only.

follow the upload guide

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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Not every loan since 2001 has Ppi

it totals around £14k

only one has Mif on.

 

Some medi care and some charges

 

I have spoke to fscs and I am waiting a pack in post.

 

I haven't admitted debt

but what my thoughts are here I that could be claimed back would it sort debt

I will try but not sure if you will read it cos it's very small

 

On iPad so don't think poss

 

Off to work now.

 

Will try later or in the morning

 

do you want every agreement from 2001 or the last 2

 

Think I've done them anything further you need to know just ask

 

08 loan.

 

More PDFs

 

Don't know how much the charge is for

 

land registry couldn't give me that info

and said to speak to progressive finance and

 

when I queried with welcome they said it cos of secured I took out in 2008.

 

I've posted all agreements( could you view them)

 

there are 2 other loans with Ppi on in sar 2001 and 2003

but no agreement to match

only loan history financial statement

 

The only statements in sar are from 2008 to 2015

.but i do loan history statements from 2001

 

Are these what you want? These are the first ones from 2001 I have lots more so will take a while

 

Fab thanks so much I'm uploading the last of the old loans and I'll update the loan 08 that's still outstanding in new thread. I've cropped loads cos it's more paper than info

 

Last loan in 2008 this is the one I calculated around 20 grand has been paid off

try 2.pdf

Edited by dx100uk
pdf's merged to one file - dx
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post every agreement up and statements if you have them.

 

the PPI would have rolled over certainly to the secured loan from the refinanced one into it.

 

how much is the charge for?

 

yep brill keep going

then when you are finished ill sort all the docs out

 

keep to one thread for now please

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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nothing yet too busy at present

you are second in the queue

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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can you redo pages 3+4 of this PDF

take clearer photos please

 

I cant complete the story without seeing the un rdacted bits

I need to see the full sheet of each statement and the numbers / accounts they refer too.

side/bottom numbers

if I send you via PM a secure email ad

can you send them all to me?

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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thank you done

this is going to be interesting

I've spotted a few things already

but dates on agreements and clear scans of those are needed too

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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Share on other sites

post the unredacted stuff via email not up here please

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 noticed:lol:

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'm hoping you can make more sense of it than me

 

 

I've had it all since April when I disputed debt and then asked for a cca

they didn't comply

I then wrote back saying they were in default of my request and received the sar!! :-x

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its complex yes

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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Share on other sites

working on a very complex situation

you are not forgotten.

 

 

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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one thing that's becoming evidently clear...

 

there are SOOO so many agreements chaining together..

 

the overriding conclusion i'm coming too

is that through all their insurances over all the agreements..

Homecare

lifecare

PPI

MIF

 

that the total of all of those under a reclaim will far far exceed whatever you owe..

 

before I delve further

can we just confirm

there is no charge showing anywhere against any property?

and there are no accounts left on your credit file?

 

and its imply the worry that one day they might come after what they think you owe?

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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The only charge on my property that is registered with land registry in is 2006 is with progressive finance not the newest loan in 2008.

 

The first time I accessed my credit file was Nov 2015 and there was nothing on there to do with welcome finance

no searches and no outstanding loan in my name. Which is rather bizarre when I paid last payment in May 2015.

 

However my ex wife was associated with me on there and they had clearly done searches on her.

Want me to upload this info? .

I disassociated her. And nothing now mentioning them at all.

There's has been no change on that either.

I am still waiting for a pack off fscs.

 

 

How shall I proceed?

Yes I'm worried sick about it all.

But have not heard a pip since April after I sent a debt dispute letter and requested a CCA.

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