Jump to content


  • Tweets

  • Posts

    • 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.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
  • Recommended Topics

CLI dca chasing Kuwait debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2114 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Wonder if anyone can give me advice

 

i also received a letter from cli said formal debt recovery notification

 

says we are international debt collectors and have been appointed to recover your debt and i have 7 days to pay it in full

 

they are saying i owe 29033.14

its a debt from kuwait

 

i lived there 2 years ago

my brother was falsely imprisoned

we managed to get him out

but feared for our lives so had to leave

 

when i got home i made many attempts for months to get hold of the bank to arrange something as little english i didnt get anywhere and gave up trying.

 

Im really worried

i cant afford to pay that also

 

dont believe the debt was that much.

Can they take me to court if kuwait debt

can kuwait sell the debt to uk to recover.

Any advise and help please

Edited by Jo150578
Link to post
Share on other sites

Cli are not really debt collectors. They simply provide letter templates.

 

If the Kuwaiti creditor wants to take you to court in the UK to recover the debt, then they would have to organise this themselves using a UK Solicitors. If your Kuwaiti contract allows courts outside of Kuwait to consider your debt, then yes it is possible a UK court could become involved. Please do not assume that a UK Solicitor writing to you means that a UK court is possible. They may simply be trying to collect the debt by worrying you, without any intention of going to court.

 

If you receive any letters from a UK Solicitors, come back for advice. At the moment, you should not reply.

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

Link to post
Share on other sites

Thank you for your advice im so worried.

 

I dont want them coming round my house or it ending up in court.

And thats the trouble with kuwait there isnt a law they make it up day by day.

 

I dont have any paperwork for the loan either as they dont provide it.

 

I was wondering can they sell the debt to uk company then it becomes uk debt and also kuwait do not have a postal service so take it thats why they are going through this company they are more like am agent?

Link to post
Share on other sites

They can't send anyone to your door

 

A dca is not a bailiff!!!

 

No legal powers whatsoever!!

 

Ignore them!!

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... 

Link to post
Share on other sites

Last time i checked CLI are not registered to deal with debts. They simply provide template letters and it would be up to the Kuwaiti creditor to appoint someone authorised in the UK.

 

At the moment, they can't send anyone to your address to even try to discuss the debt.

 

They can't sell the debt to a UK debt buyer and try to enforce here as the debt is under Kuwaiti law. The Kuwaiti creditor would have to be able to enforce in a UK court first and if they were successful, then it becomes a UK matter.

 

Ignore this for the moment. It is just a fishing letter hoping for a response.

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

Link to post
Share on other sites

Own thread created

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... 

Link to post
Share on other sites

  • 2 weeks later...

Just received a second letter now with final demand.

 

Saying refer to previous request of payment and note they have not heard from me.

 

We have explained why you should not ignore.

 

Then saying to contact by letter email telephone.

 

We will listen and work together to try and find a solution to avoid the consequences of further action being taken.

 

Should i also ignore this letter

 

. I dread every time the postman comes now.

Link to post
Share on other sites

Ignore. Read previous comments.

CLI cannot do anything.

 

If the Kuwaiti creditor wants to take the matter forward, they will instruct UK Solicitors to write to you.

 

If you receive a letter from Solicitors come back for more advice.

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

Link to post
Share on other sites

That's all powerless DCAs can do

Create worry

 

Ignore

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... 

Link to post
Share on other sites

  • 3 weeks later...

Got another letter today they are very persistent.

 

Saying final notice they have checked cosumer data base and confirn i live here.

 

Saying they will inform their client i have not taken the opportunity to resolve this amicably.

And for them to take further action.

Then saying for me to make a repayment proposal .

Link to post
Share on other sites

Another template letter which anyone can download and send out. Doubt they have checked any records other than those available to everyone.

 

As for advising their client, CLI are posting these letters on behalf of the debt owner presumably and only informing them of any replies. So no replies, mean nothing to report.

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

Link to post
Share on other sites

tough you are not ignore them totally

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... 

Link to post
Share on other sites

I looked on their site for the letters

you have to choose the country

kuwait isnt even on there

 

 

god knows who they have done it.

 

 

Might explain why the amount they say i owe was converted from USD and not Kuwaiti dinar

there is no postal system in kuwait

 

 

seems they may be going through someone else as well

Link to post
Share on other sites

  • 4 weeks later...

Hi

Was wondering if you have heard anymore did they come round any more letters or court proceedings. I recieved signed for letter today but never signed for it but managed to read it it said they are coming round to retrieve the debt or grt my finances.

Link to post
Share on other sites

no it does READ IT PROPERLY!!

 

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... 

Link to post
Share on other sites

Hi

Was wondering if you have heard anymore did they come round any more letters or court proceedings. I recieved signed for letter today but never signed for it but managed to read it it said they are coming round to retrieve the debt or grt my finances.

 

They are not registered with the FCA to carry out debt collection in the UK. All they offer are template letters to creditors.

 

With a foreign debt, it has to be subject to a UK court application to enable it to be enforced in the UK. If the foreign creditor wants to pursue they will employ UK Solicitors.

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

Link to post
Share on other sites

Stressing out now

 

cli sent another letter the first 3 have been second class this one was signed for didnt sign for it but managed to read it.

 

It says they will be coming to my house to retrieve the debt or grt my finances then if i dont answer they will keep trying then court.

 

Can someone please help i have tried so many places for advise but cant help as international debt.

 

The debt is kuwait also but the letters was usd converted to pound but in kuwait its dinar.

 

Also no postal service over there.

 

Its stressing me out

 

i need to know can a kuwait debt go to uk court where do i stand this cli what authority do they have etc.

Any advise would be great.

Link to post
Share on other sites

posts moved to your existing thread

 

now go back and read from post one again.

 

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... 

Link to post
Share on other sites

Just to show you, this is their FCA status.

 

http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew?accId=627201

 

Lapsed interim registration. They just send template chasing letters out. If the foreign creditor wants to enforce the debt in the UK, they can apply to UK courts. UK Courts are quite helpful to foreign creditors, so yes it is possible they could try. But you would recieve a claim from the court, which you could defend and only if you lost could the debt be enforced. Even then, you could apply through the court to make affordable payments to the creditor.

  • Thanks 1

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

Link to post
Share on other sites

thread merged

 

 

please jo keep to one thread!!

 

scroll right up to the top and go read this thread again from post one

 

things have already been explained to you several times

 

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... 

Link to post
Share on other sites

Thank you for your reply very helpful.

So worse case its goes to court if i do a payment plan is it still foreign debt or does it become uk and will it effect things like re mortgage etc.

 

I have been reading the whole thing but everyone said they are just letter they cant do anything. But im asking where i stand if they do and who in fact are these people and why it was coverted from usd when it kuwait debt which isnt dollar.

 

They seem very persistant every week a letter and now saying they will knock on my door and keep making regualar attempts until contact is made where do i stand there.

And how do i check they have no rights to come in or take me court

 

Consumer credit business

Entering into a regulated credit agreement as lender; and exercising, or having the right to exercise, the lender's rights and duties under a regulated credit agreement.

Inactive 30/09/2015

 

Credit Intermediation Article 36A1 Limited to activities specified in sections D-F of that article Inactive 30/09/2015

 

Debt collecting Debt collecting Inactive 30/09/2015

No right to canvass off trade premises

 

So am i right in reading when in the letter they gave me option for a payment plan they are infact breaking there regulaions the same if they turn up at at my house?

Link to post
Share on other sites

Thank you for your reply very helpful. So worse case its goes to court if i do a payment plan is it still foreign debt or does it become uk and will it effect things like re mortgage etc.

 

If this foreign debt is turned into a UK court judgement, then it becomes a UK debt and recorded as such, so yes would affect UK credit applications.

 

You would have a CCJ recorded and could apply to the court for affordable payments to be made.

 

If you read up about foreign debt enforcement through UK courts, if the claims are defended, then there is a good chance of avoiding a CCJ. You would request original copies of all financial agreements, statements of account, default notices and other documents pertinent to the loan to be supplied, with copies of the documents in English. There is a process to be gone through, that might well take months. I can remember reading that UK Solicitors often just give up, as they don't want to incur costs, unless the creditor is paying.

  • Thanks 1

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

Link to post
Share on other sites

CLI have no rights to be sending letters as they have.

 

Yes you could complain to them and organisations they are members of. They are members of the Credit Services Association, who will look into complaints.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...