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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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First letter from CWD regarding Dubai debt.


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Hi All,

just received my first letter from CWD regarding Dubai debt.

 

 

Can't afford to pay for now.

I don't have any assets, not even a car.

 

 

Been paying the card for 3 yrs but currently I have no money and can't pay.

It will just balloon from now on and will never be finished.

 

In the letter it states they can pursue:

i.) debt recovery proceedings to be issued in your local court or

ii.) pursue a petition for your sequestration.

 

Can you advise what I should do.

Any solicitors in the UK that are experienced in this?

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Hi All, just received my first letter from CWD regarding Dubai debt. Can't afford to pay for now. I don't have any assets, not even a car. Been paying the card for 3 yrs but currently I have no money and can't pay. It will just balloon from now on and will never be finished.

 

In the letter it states they can pursue: i.) debt recovery proceedings to be issued in your local court or ii.) pursue a petition for your sequestration.

 

Can you advise what I should do. Any solicitors in the UK that are experienced in this?

 

CWD have issued UK court proceeding for some UAE Banks, so it is possible. If you have no assets and little or no money to pay the UAE Bank, you might as well write to CWD advising them of your financial position and they will see that it is not worth pursuing you. Neither CWD or the UAE Bank are going to want to incur any court or other fees, which they would not get back.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi uncle. Thanks for the response.

Where is your source regarding them being able to issue UK court proceedings?

 

I really don't have any assets and barely surviving every month, but will they believe me?

 

I can show them my monthly bank statement.

It is their first letter and I intend to respond to them.

 

I am guessing their next letter to me will be a SD?

By then I will probably get a solicitor (if I can afford it),

can you recommend any?

 

Thank you...

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Hello and Welcome TGN.

 

I have started a new thread for you.

 

Regards,

 

Scott.

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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Hi uncle. Thanks for the response. Where is your source regarding them being able to issue UK court proceedings? I really don't have any assets and barely surviving every month, but will they believe me? I can show them my monthly bank statement. It is their first letter and I intend to respond to them. I am guessing their next letter to me will be a SD? By then I will probably get a solicitor (if I can afford it), can you recommend any?

 

Thank you...

 

It has been reported here and elsewhere that CWD have obtained UK court judgements. The UAE Bank terms, generally seem to allow enforcement of the debt outside of UAE in any country that allows it. UK courts will deal with foreign debts, due to case precedent that was set in about 1971.

 

UAE Banks have also obtained UK Bankruptcies which is evidenced by cases showing in the London Gazette.

 

To make you Bankrupt would cost them i believe about £3k. The fees were recently changed for creditor applications. If you have no assets or money, i can't see them bothering.

 

Write to CWD explaining your position.

Ask them to obtain full statements of account and a copy of the account terms and conditions written in English.

 

Other people have searched for UK Solicitors that deal with UAE debts

and there are very few who seem to deal with foreign debts.

 

 

If you search there is one lady Solicitor in London that deals with UAE debts

and she only seems to negotiate a reduced settlement.

I don't think you need a Solicitors.

 

 

CWD generally seem to lose interest, once they know a debtor has no money or assets.

Even if you ended up with a UK court judgement

, you would ask to pay small affordable instalments.

We could do with some help from you.

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Thank you unclebulgaria. The debt is about GBP 2.5k. Maybe it has gone up slightly since the pound has plummeted against AED. Indeed I have had a look around and there seems to be no solicitors that know how to deal with this. So thanks again for your help.

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CWD are a bunch of fleecers

don't believe everything you read around the net

 

if they've bought the debt

then tough on them.

 

IMHO if you are going to write to anyone

then its the original creditor in UAE

 

there are lots of little holes appearing

 

read the comments in the this article from this 2014 thread

turns out they are simply a DCA

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?431524-any-new-updates-on-COYLEWHITEDEVINE-and-UAE-debt

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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CWD are a bunch of fleecers

don't believe everything you read around the net

 

if they've bought the debt

then tough on them.

 

IMHO if you are going to write to anyone

then its the original creditor in UAE

 

there are lots of little holes appearing

 

read the comments in the this article from this 2014 thread

turns out they are simply a DCA

 

 

Yes, the article is so biased towards the UAE, but the comments are spot on!

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: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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  • 1 month later...

So just an update. I wrote back to CWD over a month ago and requested for statements etc. and told them that I have no assets. Till now I haven't received anything.

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So just an update. I wrote back to CWD over a month ago and requested for statements etc. and told them that I have no assets. Till now I haven't received anything.

 

Think that is par for the course. They go back to the Dubai Bank asking for the info and to see whether they want to pursue if there are no assets. I think in other cases, it has been months before any reply is received.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Think that is par for the course. They go back to the Dubai Bank asking for the info and to see whether they want to pursue if there are no assets. I think in other cases, it has been months before any reply is received.

 

Hi uncle. OK thanks for that. I will come back once I hear anything from them.

In terms of assets, how will they actually know that? By looking at the person's credit file?

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Hi uncle. OK thanks for that. I will come back once I hear anything from them.

In terms of assets, how will they actually know that? By looking at the person's credit file?

 

Credit file for mortgage being paid.

 

Land registry showing property in her name

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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  • 10 months later...

Just want to update everyone. After almost 1 yr I still haven't heard from CWD.

 

I think they realised it is not worth chasing me as they know they won't get anything from me.

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as is this way with all these debts

I just wish people would stop giving in and feeding them dog buscuits

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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Just want to update everyone. After almost 1 yr I still haven't heard from CWD.

 

I think they realised it is not worth chasing me as they know they won't get anything from me.

 

Just remember that if you ever fly long haul say to Australia or New Zealand don't go via an Islamic country. If you enter an Islamic country where the Dubai Bank may have registered interest in the debt on immigration lists, you might get detained until repayment is arranged. It is not worth the risk, if there are other travel options.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Just remember that if you ever fly long haul say to Australia or New Zealand don't go via an Islamic country. If you enter an Islamic country where the Dubai Bank may have registered interest in the debt on immigration lists, you might get detained until repayment is arranged. It is not worth the risk, if there are other travel options.

 

Hi uncle. Thanks for the reminder again. We have travelled in europe and far east asia and there was no issue with immigration. A lot of people have been threatened with interpol but then again thats just scare tactics. We flew with cathay pacific so the route was over russia.

 

Thinking of flying with turkish airline next time. Do you think thats a wise idea?

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Hi uncle. Thanks for the reminder again. We have travelled in europe and far east asia and there was no issue with immigration. A lot of people have been threatened with interpol but then again thats just scare tactics. We flew with cathay pacific so the route was over russia.

 

Thinking of flying with turkish airline next time. Do you think thats a wise idea?

 

Don't know about going to Turkey, but no problem using the airline to go to a non islamic country.

 

The interpol notice issues seems to only relate to business type debts rather than consumer debts. But how many of the online stories have any truth to them, i am not convinced. They are not in mainstream media where the facts have been checked.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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from my extensive investigations over the last few weeks

it appears most of the so called 'apprehensions' at airports are made up stories

 

 

these appears only on forums run by people that fleece you out of money behind the scenes to write silly letters for you that you can do for free.

 

 

bit like the private parking ticket s.cammer sites

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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Agree. This seems to be the case.

I think one advice site was set up originally for totally understandable reasons.

But if it then becomes a way of earning an income, there might be a temptation to believe in and publicise certain stories for which there seems to be little evidence. I might change my mind if a UK newspaper prints a story naming people detained at ports in Europe and the story is fully checked out.

 

I think there have been a few detentions at borders in the Middle East related to debts in Dubai, but i can't see why Interpol would allow UAE to start posting red notices regarding debts, so that people from Western countries get detained at European airports.

If it related to serious business fraud, i might understand it.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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