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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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yorkshire bank you cant even leave without them making a mistake.


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Ok Im here more as a bit of a heads up to others re Yorkshire bank

 

I do wonder how they manage to stay in business

 

i run a three strikes system

 

first strike

 

I took out a personal loan with them for my business (yes a personal loan not a business one)

 

 

at the time i informed the two girls about my situation

i had started a company, thats where my wages came from etc etc,

personal circumstances to them

what the money would be used for ,

 

 

filling out the paperwork in branch it was for a welder ,

and they said we will put down electrical goods,

 

 

about two years in my accountant was doing my directors loan and asked me why i was paying so much interest?

 

i said to her the exact same thing i did when i asked if that was the best rate i could get

i did ask if i could borrow more and get a better rate and they said no ,

 

 

he laughed for a bit then said go and reloan it ,

but alas the bank wouldnt let me take out another loan ,

 

 

never missed a payment, was my only debt but NO i was self employed (even though im an employee in the eyes of HMRC pay my ni and PAYE) and then secondly i had to apply for a business loan

 

I queried why when i asked if i could get a better rate i was told no initially and the complaint response was more along the lines of we cant discuss what was said with out a recording so no cigar, and no you cant have a loan and so i thought ok sure its a tough call to decide what was said if you weren't there

 

and there for endeth the lesson in naivity, however by this time I was earning some good money and the accounts lady said just pay it off as the highest interest item, dont worry we can claim a certain amount

 

Second strike

 

onwards i go to the phone in show ,

ring their call centre and ask "can i pay off the loan ,

(theres literally a year left to run on it by now i owe 2000 quid)

 

 

The reply of err no its got to run to the end now there's no way to do this.

...Honestly I was a bit miffed I figured I would at least get some of the interest knocked off and save a few quid but alas no such luck.

 

i m later informed this is illegal to deny someone this , but i didnt know this,

i call them back up to make a complaint and heard nothing,

 

 

this was where i figured i have you here,

as per my lesson in naivity earlier led me to believe the recorded call would be enough to satisfy the investigations team ,

 

 

but 40 days later i get a nice note saying sorry its taking so long to resolve this and then about 50 days later i get one saying "complaint denied" , Turns out they have no record of anyone taking a call or saying this so top and bottom of it is tough.

 

Ok by this point i think stuff it im off Yorkshire bank,

im switching so i get set up WITH ANOTHER BANK , IM NOT GIVING YOU A THIRD CHANCE.

..thinking my days of having to phone them ,

to be told you need to go into branch

to be told in branch i need to call the phone number

 

PRAISE BE TO THE LORD I WILL BE DONE WITH YORKSHIRE BANK VERY SOON.....

..........till this morning when i receive a letter from a bank beginning with the letter H

 

This letter says they were unable to transfer my STDO to them and i would have to make alternative arrangements

 

I phone the YORKSHIRE to be told oh yes we dont use a standing order its an inter account transfer theres nothing we can do to change this.

 

I ask what happens when my account is closed and......tumbleweeds ,

Im told i would have to make manual payments and even then the system might register that i have missed the payment as its automatic and theres simply nothing they can do as its not a standing order

 

I think to myself just pay the thing off and be done with it avoid all problems

 

today i phone up to pay the 652 quid i owe them off before the switch over and why , because it seems their internal system doesnt use standing orders it uses interbank transfer or some bobbins from my account to my loan account and because of this my standing order couldnt be transferred over, silly me OK

 

when i ask them can i pay the 652 quid im told no , because its 693.18p if i want to pay it off early,

IM LEAVING BECAUSE I WONT GIVE YOU ANOTHER PENNY ..... and on top of this elucidate the other complaints

 

A lot of swearing took place as they know full well on monday im cutting them off and they were just impossible to deal with in the past , i was so enraged at their complaints department not actually giving a care and hung up

 

A brief conversation with the missus...

.. just pay it , lets get rid of them once and for all ,

 

 

i ring the guy up on CS and say ok lets do it just get rid of it ill gladly pay the 40 quid interest to see the back of you and your hapless org , BUT NO THERES MORE

 

I Tell D (we will call him) my account is closing monday can you put me in touch with the power working today that can resolve this entire mess ,

 

 

POOR "D" SAYS TO ME DONT WORRY IF YOU PAY IT BY CARD IT WILL BE DONE BY MONDAY BEFORE YOUR SWITCH , but i will have to put you through to another department

 

ok SAYS I excited by the prospect of finally being free

 

CARD DETAILS given BILL Paid ..

......i hear the girl (we will call her K) say ok thanks mr M that should go through in 3 - 4 days

 

 

 

are you joking , i am absolutely raging and i mean air going blue ,

turns out that even though i bank with them and have plenty of funds to cover it its not direct

YOU CANNOT MAKE THIS STUFF UP and my account could potentially be closed leaving no funds to pay this , and she openly admits it down the phone

 

i now face my account being closed on monday the bill not being paid then being run overdrawn by tuesday putting a black mark against my name and i just paid you 58 days interest for the priveledge

 

Even the woman after "K" just says we need to listen to the calls (odds on the calls are stored in the bermuda triangle again)

 

Im so incensed by it that i now intend to report the lot to the Ombudsman

Like is should have when they took away my right to end the agreement ,

where do i stand legally is my question to you guys

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If I were you I'd get the whole sorry saga in writing and send it to them in a letter of complaint. If you intend to take it to the ombudsman you'll need to follow the complaints procedure to it's conclusion first.

 

I suggest that you also send them a SAR to see what information they hold which may help you see what information they hold and what more you can do.

 

What outcome would you like to see?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If I were you I'd get the whole sorry saga in writing and send it to them in a letter of complaint. If you intend to take it to the ombudsman you'll need to follow the complaints procedure to it's conclusion first.

 

I suggest that you also send them a SAR to see what information they hold which may help you see what information they hold and what more you can do.

 

What outcome would you like to see?

 

Realistically i think we both know the ombudsman is pointless and legal recourse is futile, the only way im starting to see of fighting juggernauts like the banks is if 20 million people joined a campaign on social media and it led to mass closings of accounts , walter mitty moment over

 

I just wanted them gone and thats not even simple if anything hopefully anyone reading this may think twice before getting involved with them

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Realistically i think we both know the ombudsman is pointless and legal recourse is futile, the only way im starting to see of fighting juggernauts like the banks is if 20 million people joined a campaign on social media and it led to mass closings of accounts , walter mitty moment over

 

I just wanted them gone and thats not even simple if anything hopefully anyone reading this may think twice before getting involved with them

 

Agreed about the ombudsman and court. A few years ago I might even have thought a campaign would help, but given the apathy of so many, I'm afraid that's unlikely, and most of us need bank accounts.

 

On the bright side, you can move on and forget them (soon). That has to be worth celebrating!!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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