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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mindbomb -v- First Direct **BIG ONE WON**


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Hello all.

Sent DPA letter 08/04/06 recorded to FD and it is still showing as undelivered on Royal mail website.

So I have just marched a new request, enclosing £10, down to my local HSBC for which I now have a receipt. I am only missing a few of my statements and have worked out from what I have that they have kindly relieved me of £4000 over the last 6 years. I reckon I could be getting close to the £5000 ceiling once I get the missing ones.

So we're off and running.

Thanks for all the excellent info on this forum.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Well done.

 

Keep us posted.

 

 

Like the sig.:D ... Or in modern parlance: Come on, punk, make my day! (a very liberal translation :D )

 

Will do BW. Perfect translation. :D

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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thanks for the translation bookworm - I did wonder what that meant.

 

Good luck to Andypatti too

 

Thanks oops a daisy - watching your thread with interest.

Good luck to you too (but luck not important to us me finks) :cool:

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Hello all.

Got all my statements today for April 2000 - April 2006 (from postie not courier as they said).

I've worked out the charges to be £5001.00.

Bloody typical!

Now, I've done my search for "sever" and "severing a claim" and am thinking I should not claim for returned DDs at this stage as it will reduce the claim by £675 and so well within the £5000 limit for small claims.

There seems to be differing opinions on how best to reduce the claim to under 5k and I'm only just over so I would appreciate your comments.

Sorry if I'm being dim.

Thanks in advance.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Good idea.

If I miss off May 2000 it knocks £37.5 off the claim although I might just "miss" a smaller £15 charge elsewhere instead.

The moneyclaim is up to £5000 net of interest and costs so that's not an issue.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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People have filied claims for more than £5k and have had out of court settlements.

 

It is up to you to weight up the risks and make an informed decision.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I saw that one recently. Excellent result!

I think if I was claiming considerably more than £5000 I would be tempted but as I'm only just over, the risks, are not worth it for me.

I think I'll accidentally miss a £15 charge off. A recent one obviously ;)

Thanks for your comments though and good luck with your claim.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Update.

Prelim' approach for repayment of £4948.50 sent Saturday.

Will let you know when they tell me to get lost!

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Got my letter...

First Direct does not agree.......Ts&Cs..........when you opened your account......Robert Kernaghan..........8 weeks matters resolved.........Financial Ombudsman..............'Listening to your comments' leaflet.............FOAD.....

 

LBA written, primed and ready for firing next Saturday (14 days after prelim' approach letter date).

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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good good! keep us posted!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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  • 2 weeks later...

Good evening one and all.

OK it got fired Monday 10 am 1st class, recorded.

So, obviously, they'll say 'sorry old chap' and refund me post haste :rolleyes:

Well, just in case, you understand, I prepared a moneyclaim :D .

Should get a GFY letter tomorrow (ish) by my reckoning.

Well done Monkey BTW.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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;)

I don't mean to sound bitter, cold, or cruel, but I am, so that's how it comes out.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Morning peeps.

Well waddya know?

 

Got a letter this morning...

 

14 May 2006

 

Dear Mr Mindbomb,

 

Account: Mr Mindbomb Number: XXXXXX-XXXXXXXX

 

Despite my previous letters, I am concerned that your acount is now £1254.77 overdrawn without prior agreement. This balance may not include any payments you have made to your account today or any pre-notified and accruing charges.

 

As I am not prepared to see this debt increase, I regret that I have no alternative but to withdraw all of your banking facilities. I require the immediate return of any unused cheques, together with all First Direct cards, which you should cut in half for security purposes. This will prevent the appointment of an Agent to collect them from you, with all the associated costs being debited to your account.

 

Any overdraft facilities are now cancelled, as are all direct debits, standing orders and automated bill payments which were previously paid from your accounts. Should you currently use the internet banking or internet sharedealing service, these will be restricted to'read only' until further notice. You will still be able to view your account(s) and send electronic messages to us.

 

If you presently subscribe to firstdirectory, this will be cancelled 30 days from the date of this letter, at which time all benefits associated with the package will cease. I can confirm that, as a result of this cancellation, you will cease to be covered by the travel insurance or mobile phone insurance provided under firstdirectory and so you should consider seeking alternative insurance cover where appropriate.

 

As I now require your proposals for repayment of the outstanding debt, please complete and return the enclosed Financial statement within the next seven days. Alternatively you may telephone the details to the Credit services team on 08 456 100 189. We will review your overall financial position, consider cases of hardship sympathetically and do all we can to ensure that an acceptable repayment programme is agreed.

 

Unfortunately, failure to respond to this letter may result in details of your accounts being passed to Credit Reference Agencies. These agencies supply information to lenders in order to establish an individual's credit history. Lenders then use this information to help decide whether or not to accept applications for credit from their customers. If details are given to Credit Reference Agencies, you may find it difficult to obtain credit elsewhere in the future.

 

It is important that we agree a way forward as soon as possible, particularly as charges will continue to accrue in the meantime. I therefore look forward to your prompt response.

 

Yours sincerely

 

Chris Broom

Head of Credit Services

 

Now I'm feeling punchy. Especially as I have another account with £860 worth of charges to reclaim :D as well as others for this account (that don't amount to much) and no doubt older ones that have previously been left off my claim. My account has been with them since 1997.

 

What do you think?

 

My OD up to this point was £800.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Guest Mumofthreeboys

'As I am not prepared to see this debt increase .......' - I think you should write back to Chris Broom enclosing a copy of your LBA and maybe pointing out that if FD hadn't stolen £xxxxxxx from your account in the first place perhaps you wouldn't be in this situation.

 

Also, list your charges for postage to return the cards and cheques, etc.

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Yeah, pretty much what I thought I'd do.

They have sent me a prepaid envelope - bugger!

Here's what I'm thinking of sending.

Comments please.

 

Dear Ms Broom,

 

Account Number: xxxxxxxx

 

Despite my previous letters (copies enclosed) I am concerned that you continue to withhold nearly £5000 pounds of my money from my account.

 

I have enclosed said cheque books and cards, cut in half as you demanded.

The banking facilities to which you refer, I have no further need, as my finances have been transferred to another establishment.

 

My proposals for repayment of the outstanding debt are quite straightforward. As soon as you repay to me the unlawful charges my letters refer to (see above) I will be more than happy to repay you.

 

May I remind you that you have until 28th May 2006 (again see above) to repay these charges otherwise I will be instigating court proceedings without further notice.

 

Yours Faithfully

 

 

 

Mindbomb

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Guest Mumofthreeboys

Another thought, they mention sending your details to Credit Reference Agencies - you should adapt the paragraph in BankFodder's LBA possibly as follows:- 'Additionally if you enter a default notice against my credit record merely in respect of unlawful charges levied by you or as the result of impecuniosity caused directly by the taking by you of penalty charges which you have applied unlawfully to my account I will pursue a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs without further notice.

Please note that mere correction or amendment to the entry will not be acceptable.'

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Good point. Thanks for that.

How's this?

 

Dear Ms Broom,

 

Account Number: xxxxxxxx

 

Despite my previous letters (copies enclosed) I am concerned that you continue to withhold nearly £5000 pounds of my money from my account.

 

I have enclosed said cheque books and cards, cut in half as you demanded.

The banking facilities to which you refer, I have no further need, as my finances have been transferred to another establishment.

 

My proposals for repayment of the outstanding debt are quite straightforward. As soon as you repay to me the unlawful charges to which my letters refer (see above) I will be more than happy to repay you.

 

May I remind you that you have until 28th May 2006 (again see above) to repay these charges otherwise I will be instigating court proceedings without further notice.

 

Additionally if you enter a default notice against my credit record merely in respect of unlawful charges levied by you or as the result of impecuniosities caused directly by the taking by you of penalty charges which you have applied unlawfully to my account I will pursue a claim under sections 7 and 13 of the Data Protection Act 1998 plus my costs without further notice.

 

Please note that mere correction or amendment to the entry will not be acceptable.'

 

Yours Faithfully

 

 

 

Mindbomb

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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OK it's gone, in their prepaid envelope plus a copy 1st class recorded just in case they lose it. :rolleyes:

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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Got my 'final response' letter today. FOS and all that guff.

I will wait the 14 days after LBA out before moneyclaim.

I really want to claim now though!!!

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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