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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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    • 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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Quidquid Loan Now with PRA Group Ex-husband took out loans in my name....big mess...


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Hi All,

 

Firstly, apologies if something like this has already been discussed. I have seen similar posts but I think my predicament is slightly different...it's a long story but I hope that some of you will take the time to read it and have some advice for me...

 

So, some years ago, in my clearly very naive and gullible early 20s, I met my ex husband. We got married in 2010 when I was 23, less so because we thought it was the best thing to do, more so for 'financial reasons'.

 

About 6 months before we got married, my ex had started to have some money problems and I noticed some unauthorised transactions on my credit card totally about £800.

The transactions came under Victor Chandler and I reported them to my bank's fraud department.

 

 

On learning that I had done this, my ex decided to tell me that I needed to withdraw my claim to the fraud department as it was to do with him and he could get into a lot of trouble!

(He's in the RAF and works in the armoury...I believe being in debt and having gambling problems would be something that's frowned upon in his position...).

 

 

He explained that he had used a online gambling site to 'transfer money' as he needed it to help his mum...

the story was more elaborate and seemed to make more sense at the time..

.anyway I was young and stupid and decided to give him the benefit of the doubt and believe him.

 

I suspected he had a gambling problem, but every time he'd spin me a story and I stupidly tried to believe him.

 

As things progressed,

I buried my head in the sand and we got married and as soon as that happened, everything went from suspicious to disaster...

 

 

The guy had all my bank details, all my personal details...

he memorised my bank account numbers and card numbers off by heart!

 

 

He'd put on a girls voice and call up my bank pretending to be me and all sorts.

He took over my accounts completely and in a bid to stop me from finding things out he'd stop me going online by tampering with the phone lines, etc.

 

 

One day I found he'd taped a small piece of clear tape over the phone plug so I could check my bank online or call them!

 

My life and my finances got to the point where I was working full time and each payday, as soon as I had been paid, literally within an hour all my available funds would be gone.

 

 

My bank statements from the period which I was with him are just full of transactions of money (mostly) going out and coming in from various online gambling websites. .

 

Despite my feelings deep down and my instincts telling me everything was wrong,

I tried whatever I could to just stick it through and hoped he would change and everything would eventually go away!

I mean, he went to such lengths to prove to me that things were being sorted...!

 

By May 2013 I finally decided that I was not going to take it anymore.

I wasn't going to let him continue to ruin my life and I left him.

We separated in May 2013.

 

 

I moved back to Hong Kong for 8 months to get away from him and stayed with my parents.

During this time, my ex husband and I still had some contact as I was still having major issues with my bank and I was desperate for him to sort it out so that, even if I couldn't get any of my hard earned money back at least the black hole of debt would stop getting deeper!

 

 

Eventually, he told me that a solicitor had managed to get some money back for us, but it was being paid into my account via a payday loan company.

 

 

As I was out of the country and wasn't up for speaking to him much I didn't pay too much attention to this.

Some money did appear in my account from a payday loan company, but the money soon disappeared again.

I thought it was just the same old same old.

 

It wasn't until some time in 2015 when I had returned to the UK and got officially divorced from him that I found out that the money that went into my account was in fact a payday loan that he had taken out in MY name.

And here in my predicament lies..

.the loan was taken out online,

so he used all my details and signed electronically and the money did indeed go into an account that belonged to me.

 

 

The money then left my bank account going to various gambling websites,

and I'm taking a wild guess that all of those accounts to all of those gambling sites were probably in my name as well.

 

 

This is a debt that I don't feel I'm responsible for at all after all the punishment and the financial ruin he's left me in.

In the time I was with him I lost ALL my wages plus some money my parents had gifted me in the hopes we'd settle down and have a decent deposit to put on a house.

 

 

All in all, I would hazard a guess at losing somewhere between £60-70k in the time I was with him.

Not to mention his own salary on top of that! But, now I think I'm stuck with this loan of around £1200.

 

I am now being hounded by the PRA group who have bought the debt off QuickQuid and are sending me letters saying that I need to pay them.

 

 

I can see on my credit record there is a default against my name under the PRA group for this unpaid debt.

It's causing me a lot of stress now as I have finally settled again, with a most amazing man and we are expecting our first child together and would like to purchase our first home but my finances are making me very uneasy.

 

In all this time, I have never contacted the police as I did what I could to try to come to a civil separation from him.

I didn't want to get him in trouble as I wasn't sure if it would affect his job and whatever ill feelings I had toward him I tried to stay fair and settle things with as little trouble as possible.

 

 

Seems though, that the only person suffering is me!

Is it too late to take this to the police now?

Have I left it too long?

 

My ex husband, to name the things he's done..

.gambled our entire marriage,

made up solicitors and created fraudulent email trails.

 

 

He's taken money from me that should have gone into my bank

and brought me home a 'receipt' of paying it in to my account

then turned a story about how the money went into the 'wrong account'.

 

 

He's taken out numerous loans in my name.

Opened up accounts to gambling websites in my name.

He moved into military married quarters after we were separated using a marriage certificate that was no longer valid,

ran up trespass charges for a late march out and slapped me with a bill of nearly £1500!

 

 

He'd steal my purse...

I've never lost my purse in my entire life..

.in the 3 years we were married I managed to lose it THREE times

AND every time it's miraculously turned up back on camp..

.minus the couple hundred pounds emergency cash I had in it!

 

 

He cheated on me.

He's even lied to me now about his current girlfriend being sexually assaulted and suffering panic attacks because of it.

..and his poor girlfriend.

..he steals money from her kids...!

 

I apologise for all the excess info and I understand it's all a bit jumbled.

I just find it extremely difficult to put what he did to me in words but felt that some background on all the things he got up to might help me get some advice...

 

 

Thanks.

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Hello and welcome to CAG.

 

Being in the forces and debt go pretty much hand in hand, so there's no surprises with your predicament.

 

What he has done however is fraud, and you need to report it as such to the police, if you still have ANY financial connection with him on your credit file then you also need to disassociate yourself from him on there also.

 

You can place a ''notice of correction'' against the entry on your credit file for the default.

 

You can also report the fraud with Action Fraud online... http://www.actionfraud.police.uk/report-a-fraud/how-to-report-a-fraud

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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aside to all the other terrible things...oh my

 

 

the issue here is with PRA group and the debt they have and the default they inherited?

is that the ONLY bad thing on your credit file that's upsetting getting a mortgage?

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 advice you've been given above is correct. However, in respect of credit applications in which you acquiesced by not taking any action, you may have some kind of liability.

 

Your opening post is very long and we appreciate that we understand the full story. However, your position is rather difficult to unravel and so it would be very helpful if you could now restate the situation in a bullet pointed form, stating very simply which lenders/creditors, date of loan, how much is outstanding now and any further information such as what action that creditor might have taken.

 

You certainly must inform the police right now and get crime reference numbers for it all. In fact I'm quite sure that if you set the problem out in the way that I have just outlined, then that list with dates, figures et cetera, will be hugely helpful to the police as well.

 

You could also let us know against each one whether this is one that you acquiesced in or whether you have only just come to know about it and it has taken you by surprise.

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Thanks all for the advice. I will go onto action fraud and report him.

 

Essentially as it stands, the one thing that I do know about is the PRA Group debt.

I have tried to contact the original debtors for information and have contested the debt with the PRA Group.

I have never acknowledge verbally or in writing that I was in anyway responsible for the debt.

 

I first found out about the loan when I checked my credit report back in 2015.

At that time I did contact debt collection agency who gave me the name of the debtor and the reference number.

 

 

I contacted QuickQuid and all they could tell me was,

yes money was loaned so someone in my name,

at my address at the time,

money was paid into my account but they could not tell me anything else as I was unable to provide the email that was used when applying for the loan.

 

 

Some time later the debt then disappeared from my report.

It was only mid/late 2016 it reappeared on my credit report and since I have been doing what I can to try and dispute the debt.

 

After we divorced we made an agreement privately for him to pay me back some of the money that he stole from my accounts.

The loan itself came as a complete surprise when I found out about it.

I haven't done a lot to fight it but have questioned it regularly.

 

I guess most of the extra info I gave was to really ask if I reported any of those things now, would I be taken seriously at all?

 

 

Most of what my ex-husband has done, I knew about.

It happened throughout our marriage but I had tried to work things out with him and often believed what he said.

I think I was mostly in denial that my marriage was a sham and everything was crumbling around me.

 

 

I didn't have any intentions of reporting my husband to the police when I was trying to make my marriage work.

I do feel now, after some time to heal and process that what he did was abusive and quite damaging to me mentally as well.

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as we've seen QQ null numerous loans due to irresponsible lending

might this be a route here??

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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