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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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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.
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      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
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Long time with Eurodebt...


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Good morning all,

 

I've been with Eurodebt for 179 months, yes over 14 years and yes I know I've been pretty stupid.

 

I can't remember exactly who the original creditors were but it was credit card companies.

 

Having got myself in a mess when I was not paid for work completed I borrowed on cards to keep me going,

much of the debt rocketed with the addition of interest and PPI's,

 

I claimed back the PPI's but I was still in debt and struggling,

foolishly it seems now ended up with Eurodebt.

 

I've just been blindly paying this each month,

there is no realistic chance of me paying this off,

 

I'm paying £71 per month, to three companies

CapQuest,

Cabot Financial and

DLC

 

I can't remember who the original creditors were but I think these have changed hands more than once.

What can I do?

Advice gratefully received!

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So you have a DMP with Eurodebt paying 3 debts ?

 

Can you list the 3 debts. E.g original creditor, type of debt ( credit card, loan type, current account overdraft), year you took out the account with the original creditors

 

Are you receiving regular statements showing the debts reducing ? Any interest still being added ?

 

How much in fees are Eurodebt deducting from your monthly payments ?

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 OTHERS

 

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Good morning,

 

I must apologise it seems the company is Moneysave but I'm pretty certain it started out as Eurodebt.

 

I cannot remember the original creditor but it would have been credit cards Cap1, MBNA, or monument possibly.

 

I have been receiving regular monthly statements for the last four months. Moneysave are taking £35 with £36.05 showing as distributed to creditors. the balances are exactly the same on the first statement as they are on the most recent received a few days ago they are;

 

Cabot 1702.97

CapQuest 3870.56

DLC 47799.38

 

Cabot are showing as still charging interest but I've just noticed the totals for the balances are the same for the last four months..

 

To add to that the years these cards would have been taken out would be late 90's early 00's, the first disbursement is showing as february 2004.

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dump them now

simply stop payments

 

get an sar running to them

there might be an F&F pot sitting around to reclaim.

 

bet your debts have been sold on again and again..

around their DCA mates

 

here you have some, we've had holidays and parties on him enough now

 

no dca will get cca's for cards that old.

 

on the cabot debt get an sar running to the original creditor.

once you confirm they terminated the card, go get that interest back off cabot

 

ruddy fleecers

 

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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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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OK, Thank you for this, but just so Im clear I send a SAR to Moneysave/Eurodebt?

 

If I stop paying them Moneysave/Eurodebt are the DCA's then going come after me and if so how do I deal with them?

I'll try and find the original creditor for Cabot and send them a SAR.

What about CapQuest and DLC will they at some point threaten court?

 

Re the debt, yes I believe they have been sold multiple times!

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we'll deal with the dca's as you get their letters

 

sar the DMP Co.

sar original creditor of the debt cabot now own.

 

have you moved / changed name since taking these out?

if so have you informed the DMP Co. each time?

 

make sure you read the full sar link and all its posts

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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OK thank you very much, I'll do that now.

 

The original cabot creditor was Cap1 and looking at some old paperwork it looks like it was originally sold in 2006 to NCO collections?

 

No I haven't moved so all my details will be accurate.

 

I'll keep you updated as and when letters start arriving! Many thanks.

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Is that DLC debt of over £4700 a mortgage related debt i.e a shortfall debt after repossession.

 

If it is then you have to be more careful and we need more info.

 

It is different to a credit card debt.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good.

 

Stop payments.

 

SAR to Moneysave. ( Ask for a complete record of all payments they have processed and information they have on file regarding each debt).

 

You may get letters from Cabot, Capquest, DLC, but don't worry about these. But never ignore any court claim at any stage if one was ever issued. Come here for advice. These debts are so old now and you have paid much more than these DCA's would have bought the debts for. So every chance you might never have to pay any more.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good morning,

 

the Cabot debt was Santander and they have acknowledged the SAR.

 

Moneysave/ Pentagon UK Ltd have sent a SAR request response form, which includes the requirement for two proofs of identity, (photocopies are ok apparently).

 

I didn't sign this one just printed my name,

they are asking that i return the form signed with the relevant information and they will then respond to my request,

is this normal enough for me to supply said information?

My mistake I mistook Debt management company for debt collection so didn't sign.

 

Many thanks.

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send em a copy of your ctax bill

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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Good morning,

 

So the first letter from Cabot arrived yesterday, noting that I was no longer using the debt management company and giving me a 14 day hold, the letter was dated 18th September.

 

The final line was 'If we do not hear from you or your chosen debt advisor then we will continue to try to contact you through our normal collections team..'

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Good let 'em arm wave

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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Good morning,

 

a reply back from Santander saying they confirm they have located an MBNA account and have given me the address to write to, so presumably I will start again with MBNA?

 

Moneysave told me it was a Santander account,

are they or were Santander and MBNA linked?

 

Depending on your reply I will send a SAR off to MBNA tomorrow...

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Early abbey cards were by MBNA

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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Good afternoon,

 

Well this is interesting.

 

I've had a reply from Santander this morning in which they state the accounts they have located is a retail store card, I have never owned a retail store card. However they have provided one copy of 'An application to open an account', dated 15/02/02.

 

All the details on the form are correct, current address at the time (which is the same as now), previous address plus contact details and signature, the only oddity is the first box which states my name and address isn't my handwriting and looks like its been written in a different pen. The other boxes are my handwriting, Curious...

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well that would be a GE money store card then with?

 

 

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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Ah yes on closer inspection it says GE Capitol Bank and the box marked 'Hawkshead' is ticked. I don't recall having any store cards least of all Hawkshead nor do I recall or indeed have anything with GE capitol bank on it...The handwriting is still puzzling me though!

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Good afternoon,

 

today brought forth confirmation of SAR received from MBNA and a letter from Capquest on the same lines as the Cabot letter i.e you have a 14 day hold we will continue our collection activity on or after 26th October.

 

i'm assuming the same as Cabot, file and wait?

 

Many thanks.

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