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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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Bought Misleading Online Course Based In USA


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Hi all,

 

I am really sorry but I do not know where to put this.

 

I bought an online course. It had a no refund policy and was based in the USA. After going through it - I have realised that the claims made in the sales pitch were very misleading and some were lies. As what is stated in the course is quite different to what is stated in the salespitch.

 

I asked for a refund and was told flat out that it would not happen and then was told that everything I said was wrong - my perception and the facts and that he could prove it. Then was told he would not respond to anymore messages about it.

 

I have spoken to several other people who have felt mislead too. They have been successful at taking the company to small claims in the USA. In fact there seems to be quite the awful trail if you look for it online.

 

I have contacted my credit card company about this and I am waiting to hear back. The amount was £600.

 

As the company is in the USA - what can I do about this? Will the credit card company help me or do I need to do something else?

 

Any help would be greatly appreciated.

 

I get that they had a no refund policy which would have been fine if the salespitch hadn't basically lied. I know the UK law does specify that marketing should not be misleading etc...however as this is a USA company I am not sure how to deal with it.

 

And yes I know I was dumb and it is the first time I have fallen for this crap and I am disappointed in myself but well live and learn and I know it won't happen again.

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Your credit card provider is equally liable for this mis-selling (under section 75 protection), so to avoid the complications of it being a US company: You've done the right thing:

a) asking the company for a refund, and

b) informing the credit card company.

 

Given the company has refused a refund, if the credit card company do as well, threaten the credit card company with taking a small claims action out against them in the UK

Purchases from abroad are covered, so don't be put off.

 

What I'm unsure of is the potential 'wrinkle' that if you do have to issue a 'small claims track' claim,

the card issue may refer you to the T's & C's of the purchase,

so if there is a term regarding applicable law.

 

They won't be able to argue jurisdiction (that it should be heard by a US court), since you aren't suing the US company but the UK card provider ..

... but they might try to argue that any assessment of misrepresentation should be heard according to US law.

 

 

owever, they'll likely settle before then (the cost to the card provider involved with it going to the initial arbitration stages the card provider will be required to use by MasterCard or Visa will make them likely to settle a claim for £600-odd that has a good chance of success before it reaches that stage).

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yep go do a section 75 reclaim

 

 

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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name the company too

 

 

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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Thread moved to the appropriate forum.

 

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Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 3 months later...

So I finally got a reply from my credit card company and they said this:

 

"In this instance we have no clear evidence of a breach of contract or misrepresentation by the merchant, the points you have raised regarding the marketing content are subjective to interpretation by each individual and their personal opinions.

 

As there can only be a valid claim under Section 75 if it can be evidenced that there has been a breach of contract or misrepresentation from the merchants we would be unable to progress your claim."

 

I don't really get how they can say that.

 

I sent them the marketing video and pointed out the false claims made compared to the actual content received. They aren't subjective because the content given isn't what is said they would give in the video and marketing material.

 

I sent an independent report from a company who assessed the claims versus the content too.

 

I have also spoken to several other people who have gotten refunds due to the misrepresentation.

 

So what do I need to do next?

 

Thanks for you help

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Send them a letter before action, noting they have 14 days to reconsider, or you will ask a court to decide. Only send this if you are willing to carry this through if they don't reconsider.

 

If they don't refund you, issue a county court (small claims track) claim, holding the credit card company equally liable for the misrepresentation, and allow a court to decide if you are correct that there was misrepresentation, or that they are correct that there wasn't.

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Thanks for the help. I don't feel like the evidence I gave was subjective but am wondering if there is someone I could get to look it over beforehand? Obviously..the fact that this same information was given to other card companies who instantly refunded made me assume that it is enough evidence. So not sure.

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  • 4 weeks later...

Hi

I have sent my letter before action today.

They gave me the tesco complaints address to send it to...which is glasgow based.

 

Is this going to be a problem for a small court claim?

Does it need to be an England address?

 

I have a feeling I will be putting the claim in in a few weeks time so want to make sure that it being a glasgow address is ok?

I am not sure what other place I am suppose to send the court claim - they just told me the complaints address.

 

Thanks for the help

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that's ok

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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  • 3 weeks later...

I got a text message from Tesco a week or so ago...saying they would respond.

 

It's been over the time I alloted them

 

today I was about to set up the small claims thing

- hwoever I got another text message from Tesco saying sorry their response is taking longer than I wanted.

 

So do I wait?

And how much more time should I give them?

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why a text message to a written letter?

 

I would be inclined to phone whoever it is sending the texts and tell them thatyou expect a written response as required under Civil Procedure or it goes to a claim withour further notice.

 

the do just that rather than make more noise.

 

You could phone and ask for their litigation dept to get a name or it will be sent to the name of the CEO of Tesco's as he is responsible for everything legally speaking

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I received a letter response this morning that they are uoholding the decision...so next step I guess is small claims. I don't really get it considering I know people have received refunds from their card companies. I sent all the same information.

 

Any advice on how to word it?

 

Thanks

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Also I think the problem is..when I asked for a refund, access to the course was taken away so I can't show the difference between course material and the salespage - is this the problem do you think. Not sure why others are able to get refunded on the same information though.

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Well Tesco do not seem to care so just going to pursue small claims now. Hopefully they will look at it properly. Tesco were not interested in any of the information or the additional information I could have provided.

 

I will name the course name. It is an Anthony Morrison course. Fan Page Domination. All his advertising says FREE method - he even has high profile people endorsing it - but it is all a lie. The material doesn't reflect it whatsoever. There are just over 1000 members in his facebook group for it and not one success story - if someone feels misled their message gets deleted.

Edited by dx100uk
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  • 4 months later...

I ended up doing the FOS route not realising how crap they are.

They have come back with verdict that they didn't find it misleading.

 

Is it still too late to do small claims court or can I now do that.

I bought it last April now and its nearly a year on.

The FOS took ages to respond.

 

I want to now send tesco another letter before action and then do small claims against them.

 

I am part of a group of people who got done over here and all of them have been successful.

They are all USA based and their credit cards had no problem refunding them..

.so I feel I should push it to let a court decide.

.but of course only if I still can otherwise I get I will have to let it go.

 

Thanks

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You've already given Tesco (I'm assuming as the card issuer) a LBA. Which should have said that you could issue a claim without further reference to them??

 

If so, don't give them any more chances and just issue the claim. For £600 they'll probably just settle it without a fight to be honest, it would cost them more to defend than the claim is worth.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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have you referred Tesco to actual evidence numerous other card providers have honoured section 75 claims

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

have you referred Tesco to actual evidence numerous other card providers have honoured section 75 claims

 

They were not interested in seeing it when I said I can give them the evidence, The ombudsman said it didn't matter either.

 

I gave them an independent review from an organisation that showed it was misleading, then I showed them the webinar and pointed out what was misleading and they were uninterested. I also gave them other information too. I do not think that they even watched the webinar - they seemed very uninterested in what I provided.

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Tesco gave me a glasgow address to write to but the money claim only allows for england and wales addresses. Not sure what address to put down for tesco - any advice on how I go about getting an england address? Thanks for help

 

Could I just send it to this one: Tesco PLC

Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA

 

Or does it need to be the Tesco bank one..if so that one is glasgow and I am not sure what to do as money claim only allows england/wales address.

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