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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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Disputing small debt with Bailey and Bailey Enterprises DCA and court process


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Hi there,

 

Thank you all for considering my enquiry.

I will try to keep it as to the point as possible.

I have sought advice from many advice bodies and a couple of solicitors but I'm receiving conflicting information and a friend recommended I try here.

 

SUMMARY DESCRIPTION

I engaged a tradesperson for a range of works which were quoted at £1740.

The tradesperson completed some of the works over 2 days.

 

On the 3rd day, the tradesperson was late and sent an offensive message.

Based on the offensive content of the message I refused to allow him onto my property further.

 

He agreed to reduce fee based on works not completed.

He offered a reduction of £240, total £1500, which I said was not fair based on the works left to complete.

 

I paid a portion (£1240, 83%) of the fee, with a reduction of £500 from original quote of £1700 based on an average of 3 quotes from local providers for the remaining works.

 

He returned the payment and engaged a debt collection agency.

Debt collection agency has given 5 working days to pay full amount or they are taking me to court.

 

Full description and timeline below.

 

AMOUNTS

Original invoice - £1740

Tradesperson offer after reduction - £1500

Amount we paid - £1240

Amount debt collection agency is seeking - £1500 + interest of £10.23

 

QUESTIONS

1. I have told the debt collection agency I dispute the debt.

Is my best bet now just to wait until they start court process?

 

2. Am I correct in thinking, because of the amount in dispute (they want £1500, we paid £1240 which they returned, so effectively £260 in dispute), this will be considered as a small claims issue?

 

3. Were I to lose the dispute, I would be required to pay the £1500 + small amount of interest + court fee of £100-£200?

So I wouldn't have to pay his legal costs or cost of using debt collector?

 

4. Would this type of issue (full details below) be likely to go to court?

Or will it be considered on the basis of submissions?

 

5. Given we're talking so small amounts here,

I am obviously wanting to maximise value from any legal advice.

 

Would the best use of money on legal advice be to ask a solicitor who specialises in consumer issues to review my defence form, N9B?

 

Thank you very much for any advice you can give.

 

FULL TIMELINE & DESCRIPTION

28th Jan - Having found a tradesperson through an online review site I asked for a quote for some work on my property. They emailed a quote of £1740 (I'll round the figures for ease of reading).

 

30th Jan - I phoned the company and asked them to start work as soon as possible.

 

7th Feb - Tradesperson started work on the property.

 

8th Feb - Tradesperson attended the property.

 

9th Feb - Tradesperson doesn't show in the morning.

I ask where they are and am told they'll be there later.

After I have asked when they will arrive, I receive a 'pocket call' with a recording of the tradesperson where he calls *somebody* a 'f-ing bird, b-tching about when tradesperson will arrive'.

 

We speak on the phone where he considers the situation a joke and calls me a 'b-tch'.

I say I don't want him on my property anymore and he agrees to discount the fee for the incomplete work.

 

13th Feb - Tradesperson confirms work left to be completed and offers discount of £200 (total £1540).

 

14th Feb - On the advice of the Equalities service I submit a formal letter of complaint about the comments which says that no matter who he was talking about I find the comments offensive on the basis they are about somebody of my gender which violates my dignity and creates a hostile environment.

 

On the advice of Citizens Advice Bureau (CAB) I say I do not consider discount fair for the work that is left to be completed and will be seeking to show market rate as part of negotiating process under the Consumer Rights Act.

 

17th Feb - Tradesperson apologises for comments and offers discount of £240 (total £1500).

 

25th Feb - On the advice of CAB I seek 3 quotes for the remaining work from local providers which show market rate to be £500. I offer tradesperson £1050.

 

3rd Mar - Tradesperson rejects offer and threatens debt collection if £1500 is not paid by 6th Mar.

 

4th Mar - I transfer £1240 (original invoice of £1740, minus £500 fair market rate) and say that is our final offer.

 

6th Mar - Tradesperson emails to say he will be returning the £1240 and engaging a debt collection agency to seek £1500 from us.

 

6th Mar - On the advice of CAB I send a formal letter questioning why he has engaged a debt collection agency when we have paid £1240.

 

11th Mar - I receive a letter from a debt collection agency demanding £1500 (plus interest of £10.23) to be paid within 5 working days, or they will begin court process.

 

13th Mar

- I speak to debt collection agency who try to debate the merits of my dispute with me.

I say we have not received any of our payment returned.

They say it was sent Friday.

I say I do not wish to discuss the issue with them and just wanted to check the address to correspond with, they end the conversation saying "see you in court".

 

On the advice of the Debt Advice Line,

I post a formal letter confirming my disputing the debt and evidencing previous correspondence.

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DCA has no legal powers at all to add anything nor take you to court.

they are NOT BAILIFFS

and have absolutely NO LEGAL POWERS at all.

 

 

name them.

 

 

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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Bailey and Bailey Enterprises. In the letter they say "I must warn you that unless full settlement of £1,510.23 is received by noon of 17th March 2017 we will have no alternative other than to commence legal action to recover the outstanding debt together with such legal costs and interest as incurred and without further notice to you."

 

I've not been through this before so I am totally guessing, but I'm imaging it'll technically be the tradesperson that takes me to court, with the DCA doing the paper work for them or something? Tradesperson has said they're unwilling to "bargain" and has gone to the effort of returning the money we paid, despite it being most of what he was asking for, in order to seek the full amount through the DCA/court.

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well I cant find any registration for them on the FCA register

which legally they must be

 

but its just threats read it properly

doesn't say will. it says 'no alternative'

well they do have.. not too!!...and they cant

and no they cant represent the builder

they are not solicitors

ignore them

ignore him.

 

i'd let it got to court and get ALL your money back..

 

and stop speaking on the phone too!!

you need a papertrail

 

cant see why the agencies have not told you this

 

there are lots of builder threads here

i'll move you to that forum and you can read..

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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and according to company house

they are dissolved..

you need to be reporting them

and why has the other lots that have helped again picked up on this

https://beta.companieshouse.gov.uk/company/07280907

 

id go ring the FCA NOW

and complain to them that

they are operating without a licence.

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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Thank you!! They're based in Kent and calling themselves 'Book Debt Management Consultants', I don't know if that makes a difference as to whether they need to be FCA registered or not?

 

Either way I'll definitely stop calling, and I'll wait for it to go to court, thank you!

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I've called the FCA, but they weren't interested to be honest. They said unless my 'debt' was part of a credit agreement they didn't have any powers to do anything. And they said that the company may be operating other services (their website talks about loan recovery) under legal exemptions and there wasn't any way for them to know!

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can we have the name from one of their letters please

no sign of either name

 

 

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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well, at least you know that Bailey and Bailey wont be wanting to visit a court anytime soon as they will have to explain their presence and cant, as you see.

 

As for the threats, they are noise, the builder can take action if they want, anyone can sue anyone for any reason, real or imagined but once that is challenged by the proper process the spurious ones disappear or get struck out as having no chance of success.

 

If the builder wants to risk not only losing monaey and time on a ropey claim then perhaps they wont like the idea of a counterclaim for the owrk not done.

 

Anyway, by returning the money he has sunk any real prospect of success because of something called mitigation. The best he can hope for is to try his luck and you agree to mediation, which can be binding if both parties are happy with the agreement reached.

 

Advice, let him do his worst, you have a sound defence for disputing a claim and can just as easily tick the N1 form box saying you agree you owe £xxx and dispute the rest. He can then either accept that amount or fight on and risk getting nothing. the DCA has no say in any matter whatsoever so do not respond to them at all.

Edited by honeybee13
Paras.
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id be reporting them to the FCA

shame they didn't take notice of you.

 

they are unlicenced and unregulated.

 

both of which they need to be to operate in the UK.

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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go give the ICO a ring and tell em

they should not be handing personal data at all.

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've been searching the www for them and there seems to be absolutely no official record of them anywhere. Do I have a right to know their Companies House number? If I ask them for that information can they refuse?

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no but they don't have one..

 

 

go ring the ico

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 think it will be a very good idea to get two independent quotes for completing the work. Once you have done that, take the cheapest of the quotes, deduct that from the price that you agreed with your original workman and that is the price that you should be paying for the work done so far.

 

I would then send a cheque for that amount with a letter explaining your calculation to the workmen. If he then wants to send the payment back to you then it's up to him.

 

If they do sue you then I would think about paying the money which you don't dispute into court and inform the court that this is the amount that was originally paid to your workmen and he refused to accept it. He has a duty to mitigate his loss and he should at least be accepting the money on account and sue you for the difference.

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Thank you BankFodder. I

 

did exactly that, so that's reassuring!

 

I got 3 quotes which came in at around £500, and made him a new offer based on that.

 

He refused, but I transferred the money (£1240 out of £1740, so minus the £500 market rate) to his account.

 

He made it clear he was returning it so that he could send a debt collector after £1500.

 

I imagine the debt collector will only take on "debts" over a certain amount which is why he returned it.

 

The difference is essentially £260.

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That's right that's them. I still can't find a registered company name/number for them on Companies House.

 

I looked up their domain registration details for their website on WhoIS, which seemed to correspond to a furniture company, but that might just be because they use one of those company secretary services which shares a location with them.

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Registrant Name: W Bailey

Registrant Organization:

Registrant Street: Unit 2 Gtec House

Registrant City: London

Registrant State/Province: Unknown

Registrant Postal Code: E15 3NY

Registrant Country: GB

Registrant Phone: +44.2085030300

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PARAGON INTERIOR FURNITURE LTD

Company number 02392638

Registered office address

Unit 2 Gtec House, Canning Road, Stratford, London, E15 3NY

 

There is a coincidence, in that one of the Directors of the Paragon company seems to be based very near to myself and the tradesperson, literally 5 minutes walk away. That Director is also a Director of a company called 'Jaggal Limited', which is described as a 'Management consultancy activities other than financial management'. Perhaps the Jaggal could be the registered company that Bailey and Bailey operate under?

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Bailey and Bailey Enterprises are registered with the Information Commissioner

Z1032211

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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