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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Swift advances


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In 2007 me and my then husband took out an additional secured loan on our property with swift in joint names for the amount of £10k the money was to do up the house.

 

 

In February 2007 the loan was granted to be paid back by Feb 2017

in the same year me and my husband split up which resulted in a divorce soon after.

I was left with a loan, mortgage and 3 very young children to bring up on my own.

 

I informed the company with the changes in my circumstances but was ignored

instead advised that I was liable for the full amount as I was the resident in the property in question.

 

As time went by I paid what I could afford, on many occasions falling into arrears.

With the help of family and friends I still managed to pay the out standing amount but could never catch up to the interest and charges put on the arrears.

 

It has now come to the point the contract is due to expire in February 2017

I have already paid the company a sum around £16/17k

but the company is demanding a further £24k and has placed a charge on the property.

No chance I have that kind of money to pay Swift.

 

I believe the company has been unjust and unfair.

They have made no attempts to chase my ex husband for the out standing amount.

I need to know if anyone thinks I may have a case?

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Do you have all the statements loner?

If not i would send a SAR to swift, dont forget to include a £10 postal order.

 

Your account will be littered with all sorts of charges which you can reclaim.

 

Search "swift" in the cag searchbar (red one at the top) for similar cases

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Hi Martin,

 

Sorry for the late reply.

Yes I have all the paper work including a copy of the original contract that has bot our signatures.

I have also noticed that each time I have requested for a redemption figure over the phone,I was advised that the figure can only be sent out in the post, this yet again came at a cost.

 

Every time they put pen to paper they have charged me bucket loads, I feel like im in quick sand and I keep sinking deep.

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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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Have a read of the link dx has posted above and then gonthrough your statements from day 1 and list all of the charges in our CISheet and post it up for us, then we can guide you through reclaimimg them all back, plus interest.

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hi dx100uk

 

Thank you for the link I have seen all that was written in the message but not yet clicked on the links. I can tell you from dealing with my case that I am in the region of £10,000 in charges and fees been applied to the loan.

I have now instructed a solicitor to have a look into my case and see if I am able to take swift to court.

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urm..they've no more clout that you or I

waste of money

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

Hi dx100uk

 

I have now taken time to read the links and liked it very much,

 

 

in fact I was smiling thinking there may be yet hope for us all.

 

I have applied on line yesterday with the FSA, it could take 2/6 days for them to respond.

 

I know what you mean dx100uk

but I have exhausted all avenues when it comes to trying to resolve my matter with this company

they are not wiling to comply with no matter what my situation may be.

 

 

My property has 80% equity which I can see them sat rubbing their hands to get hold of.

 

I have searched and searched on this company and all the response I see if everyone failing to find a way out.

I want them to know that I will fight this with all my power and more, for my sanity and my kids.

 

:-xsorry to sound so emotional but for those who have dealt with companies like this in similar situations will know how I feel.

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If you can add up 10k in charges from the statements, then once you add in 8% stat interest from the date the fee was applies to present day, i think you will find the total will far outweigh what they claim you now owe.

 

If your a little more confident and can argue then it might be worthwhile looking at compound interest which would be the contractual rate you had on the loan.

 

Compound interest would leave them no doubt owing you money!!

 

And then theres the PPI, havent started with that yet !!

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the following shows on the contract

 

amount of credit; £9,000

 

monthly repayment; £146.67

 

number of repayment to be made; 120

 

16.4% APR variable

 

interest %7,475.40

 

brooker fee; £900

 

admin fee; £225.00

 

total charge for credit £8,600.40

 

at the rate of interest ; 12.24% variable

 

figures outstanding from September 2016 as follows; (taken from statement sent from swift)

 

payments due; £17,267.47

 

credits; £16,694.03

 

fees charged ; £9,344.32

 

arrears balance; £303.44

 

total owed balance; £19,167.04

 

hope this gives a more clear picture

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fees charged £9,344.32!!

 

 

and that's without interest too.

 

 

bingo!!

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

I have asked the ombudsman to look into the PPI

 

i have bags and bags full of statements, letters and more that have been sent to me and in the name of my ex husband

not to mention the same letter then sent to both our names (what a joke)

and each time a letter is sent out there is a charge

so most likely they have charged e for all 3 same letters sent out!!

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There are two different apr percentage figures if you can make clear for us please.

 

 

Contact Swift to send you a letter showing the interest rate changes, if any, over the period of the loan.

 

 

It's usual they change them over the loan period.

 

 

You will need this info before completing a spread sheet.

 

 

In the same contact request a loan statement from the start of loan to present showing your payments and charges taken.

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Thank you determindator

 

I have the most latest statement stating all he figures paid from start until now but I don't have a letter stating what APR has been charged.

I will contact the company tomorrow to request this information.

This is so draining....

 

Thank you

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are you ok doing the spreadsheet?

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 only do swift charge you for sending you a letter, i think its about £33 a time, they also have the bare cheek to charge you to receive a letter from you aswell, unbelievable!!

 

If you are ok completing the spreadsheets you should be using an interest rate of 12.5%

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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dx100uk I shall be fine doing the spread sheet not a problem as long as I have all the info needed. And thank you everyone that has helped me so far .

dx100uk I don't think you have to be and expert but when your thrown into the deep end you end up learning so much more and see a new world.

I think the biggest fight can be forth with wit and determination. I have both even through I feel drained I have come so far not to lose but fight on....

 

And when you have good people on here like your self and others to guide and mentor you then it would be foolish of me not to take this matter the whole way and see it through. I might not win but least I would have given it my all.

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I will get on to the spread sheet tomorrow with a fresh head.

I will go through the last statement I received to date and put it al on the spread sheet.

Then work out the percentage charge for each charge and then a total percentage of charge to date and interest paid to date on the charge to date.

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What is the reason for this flat rate please Martin if the rate changes over time.

 

 

you have a point, would you advise I contact the company and ask for each charge and interest charged on each charge too?

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just a point

if you use the CISHEET here

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

all you have to do is put each PENALTY charge in individually

on its own line

then put the Int rate in cell D15

the sheet does the rest for you

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... 

Link to post
Share on other sites

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If you need to add something to this thread then

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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