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    • 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. 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    • 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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Store Card Debts


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Please can you tell me the best way to deal with Store Card Debts?

 

I have two which I have defaulted on.

John Lewis and M&S.

 

 

These cards were both originally taken out pre 1997.

I cant find any of my paperwork pre this date.

 

I have been paying a minimum amount each month of a £1 for the last 5 years and they are both pressing me at the moment to send them an Income and Expenditure form which personally I feel is none of their business.

 

What should I do?

 

I presume if I stop paying them anything they will send straight to their solicitors?

 

Amounts outstanding are around £5K on each

 

I do not have an income at the moment

 

Thank you

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First thing to do? CCA them. keep paying as you are. If they cant provide a compliant response, then you stop paying. However, they are perfectly entitled to mark your credit file, so be aware.

 

AS for repayments, you could tell them that your financial circumstances have not changed, £1 is the most you can pay, and possibly give them a very very simple budget summary.

 

If they fail to provide the CCA in 12+ 2 days, then you stop paying and they cannot chase you through solicitors or court until they provide one. They can still contact you and ask you to repay though.

 

So CCA them first, and IF they respond properly, provide a copy of a benefits letter or similar and tell them £1 is all theyre going to get.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks Renegadeimp, if I enclose a copy of my tax Credit form to them they will see my partners imcome which is just pension, so is this the best thing to send them?

Is there a legal obligation to send them my income and expenditure?

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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

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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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

 

This. as i said at the start. CCA first. Do not do ANYTHING else until you either get a reply or the 12+2 expires. Whichever comes first.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

 

John Lewis and M&S, and no I have kept paying this for the last 6+ years! Stupid I know that now

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ok so they are still with the original creditors.

not owned by DCA's

 

 

surprised they've never been sold on actually

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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  • 4 months later...

Just discovered that Arrow have marked my credit file in 2016 when I stopped paying my £1 contribution that I had been making since 2010

Can I do anything to remove this?

 

Arrow notified me of a transfer of this debt in March 2016 to Restons

 

Ive never done a SAR on it, is it all too late now?

 

Thank you

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they can mark it bit not default you

did the OC not already do this upon sale?

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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didn't say either

who was the OC

a dca cant register defaults neither can a sols.

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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Share on other sites

no - I would suspect that you were paying satans bank and they sold it on with the £! arrangement in place

 

when that happens the debt buyers name replaces that of the OC on your file.

 

so whats the defaulted date

and did you get NOA's sent for the sale?

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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what do you mean the default would have been 2010?

 

if so the debt should not even be showing now.

 

whats the date of the default ?

you said arrows have marked you file?

what the calendar section?

or a new defaulted date?

 

WHAT has troubled 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... 

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I thought you meant when was the original default when it started.

It was 2010 when I couldn't maintain my monthly payments,

but this was when I set up the £1 a month contribution.

These stopped in January 2016.

 

Ive not had anyone register this on my Credit File before so when I discovered it I was shocked to see it down as Arrow

who have registered it because they are the DCA I thought

 

It does say that there have been no updates from Arrow since they registered it over a year and a half ago

 

Does it just stay there for another four and a half years?

Can they take this to Court?

Do I just forget about it?

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send satans bank an sar get all the account details

prove its not already been defaulted

 

 

have you moved since you took this out?

if so are/were the OC aware of your correct address?

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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  • 2 weeks later...

No not sure what site you're reading

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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AFAIK, Arrow Global buy debts, and Moorcr@p don't, they are the tame gophers.

 

Why what's the story?

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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yep what the story please

 

 

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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