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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. 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.
    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Payplan and my debts


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  • 10 years later...
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" A Debt Management Plan, or DMP, is an informal arrangement whereby you agree to pay back your debts but at a reduced amount. You can either set up a plan with your creditors directly or use a debt management company to help deal with your creditors on your behalf. In a PayPlan DMP you make one monthly payment based on what you can afford and this amount will be divided amongst your creditors, ensuring all of your debts are being paid."

 

" A DMP isn’t legally binding, so creditors could in theory proceed with court action (although PayPlan will assist you with this should it ever occur during your Debt Management Plan)."

 

https://www.payplan.com/debt-solutions/debt-management-plans/questions/

 

Stick to your agreed monthly payment....there is no requirement to increase it.

 

Andy

We could do with some help from you.

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as for the enforceability

time to get some CCA request running for each one!!

 

I would gather that by that comment you've been reading around

and the penny has dropped that these DMP companies never check the enforceability of any debt

esp those sold for peanuts to debt buyers

 

and you are sadly realising you might be a multi debt cash cow to these powerless DCA's??

they are not bailiffs..

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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Thanks for all your help folks, it's much appreciated. I think I did take out "Cover my Payments". I think it was £5 s month. They stopped it in 2014 because they said it isn't available to me once I reached 65. I'm guessing that was a lie, right? And the £5 I was paying monthly for it was divided amongst my creditors instead.

 

I'm sending off CCA requests to Cabot today. What happens if they don't reply?

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Thanks for all your help folks, it's much appreciated. I think I did take out "Cover my Payments". I think it was £5 s month. They stopped it in 2014 because they said it isn't available to me once I reached 65. I'm guessing that was a lie, right? And the £5 I was paying monthly for it was divided amongst my creditors instead.

 

I'm sending off CCA requests to Cabot today. What happens if they don't reply?

 

Hi,

Looking at that (in red) it seems you had a 'Cover My Life' plan rather than the Cover my Payments as you were paying a fixed amount each month rather than a variable amount based on what you owed. The Cover my Life was a membership scheme and as such, PayPlan kept that and it wouldn't have been passed on to any creditor.

To be fair to PayPlan, they were speaking truthfully when they said that it would not cover you after age 65.

 

See here,

http://www.consumeractiongroup.co.uk/forum/showthread.php?475638-PayPlan-Cover-My-Payments&p=5006824&viewfull=1#post5006824

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

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

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By some coincidence I received a statement from Payplan this morning.

 

Seems like they have decided they are having the £212 car payment each month from now on.

 

Not happy as my car has to go into the body shop this coming week because of damage to the rear passenger door which means it won't open.

 

I cannot pay Payplan the extra £212 and for the car.

The car will cost around £450 to fix and they have agreed to let me pay over 2 months.

 

Will Payplan get funny with me if I refuse to pay it?

 

It seems that 2 of my debts have been transferred to NCO Europe Limited.

 

Cabot has advised me of this and has listed account numbers,

the amount due and the dates assigned.

 

If they have all this information, does this in itself mean that the debt is enforceable?

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Dump payplan totally

Do it yourself

 

Go start a new thread about this car finance

 

I say again dump payplan totally

 

As for all the debts being paid thru them

Get a CCA request running to everyone you were paying

Like Cabot NCO etc

One for each

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't have a clue how to administer it myself.

 

Would I need to write to my creditors

(once I've received the copy agreements for each)

and offer them the same amount that Payplan intend to pay them?

 

Also,

I've noted from my paperwork that the Yorkshire Bank credit cards and loans date back to the 1990s, one as far back as 1993.

 

Is it likely that they still have this paperwork?

Sorry but I'm so worried about this.

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Payplan are acting in your creditors interests and not yours.

 

What you are being told is to stop the DMP with Payplan and simply make the payments to creditors directly. You can write to each creditor, asking for standing order details and you will keep making payments directly for the time being, as you are not happy with Payplans services.

 

In the meantime send a CCA request to each creditor. For agreements that were taken out prior to April 2007, any creditor looking to enforce the debt in court, would need to supply a copy of your original signed agreement. Of course you would need to defend if a claim was issued, but without the original CCA they should not get a CCJ. If any creditor advised that they could not supply a copy of tne agreement you could stop paying while they are in default of the statutory request. You could put the money to one side in an account, that is separate to any Bank you owed a debt to.

 

Given your age and circumstances, you need to start putting yourself first. Unless you can rent from council or housing association, most rents require a deposit to be paid, as well as fees. If you can manage to get shot of these debts, then you can put money to one side.

We could do with some help from you.

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write to PP

state you are cancelling the plan and stopping the DD to them.

 

now all you do is await the forest to fall through you letterbox.

 

I suggest you start or get several loose leaf binders

one for each debt

then put each threat-o-gram in the right debts file

 

until each one complies with the CCA you ignore them and pay them nothing

 

can you list your debts please?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for your help!

 

Debts are:

 

MBNA circa £12,000

Yorkshire Bank credit card £12,500

Yorkshire Bank Current Account £2,500

Yorkshire Bank loan £2,400

 

I can't understand why I owe £2,500 on my current account as my overdraft limit was only £300??

 

Thank you again.

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Re overdraft, you will find this is mostly charges and interest applied. Yorkshire probably let that run for a very long time and it added up. You can complain about this and get it reduced.

 

Who owns these debts at the moment ?

We could do with some help from you.

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In regard to the overdraft debt, you could send a Data Protection Subject Access Request to Yorkshire for copies of all statements of account to see what interest and excess charges have been applied.

 

The same action with other debts might reveal information that might be helpful to you.

 

Re the charging order against the house, have you discussed this with anyone ? Presumably this was agreed with MBNA and is an interim order, so MBNA get paid the relevant debt left, at the time the house is sold, if there is sufficient equity.

 

The only problem you should be aware with stopping payments altogether, is that the current debt owners might start adding interest. Presumably at the moment, because you have an agreed payment amount, they are not adding interest ?

We could do with some help from you.

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  • 4 weeks later...

I have received no response to my SARs to Cabot Financial or MCO Europe.

 

I sent my request off of 26th March.

 

What is my next step, please?

 

Do I stop paying Payplan?

 

I'm not paying interest to the debt collection agencies,

 

only on the interim charging order to MBNA.

 

Is it likely that bailiffs will come round?

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Has anyone successfully challenged creditors when they fail to respond to the CCA request?

 

Am I right in telling my creditors that this debt is not enforceable if they cannot provide the copies I have asked for?

 

And would it do me any good to write again?

 

I'm concerned that everyone might start slapping interest on again....

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you don't do anything more once a CCA is failed

they can do what they like

if its not enforceable ...jog on

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

Most sell it on because they know its dodgy. No paperwork, or they know theyll never be able to collect. So they double dip when selling. They write it off against tax, and get money from the buyer.

 

DCA's do the same. They just want money, If they cant get money off the debt within their own timeframes, they sell it on to some other DCA to try.

 

Sadly not many people know their rights in regards to debts, So DCA's buy debts in their tens of thousands, of not more. If only 10% get tricked into paying, then its a bumper pay day for the DCA and they have a massive profit.

 

But theyre greedy as hell, so lie, threaten, intimidate and misuse the legal system to get as much as possible. Remember, they buy debts for maybe 10% of their worth, then try and chase for the full amount, giving them a MASSIVE return on each one paid.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If its sold once, chances are its unenforceable. Thats why you always do y our homework.

 

Are you being chased by a DCA atm?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It shouldnt be taken as a given that simply because a debt has been around the dca block that it's unenforceable, although it is more likely to be the case.

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Not a given. very true. But extremely likely.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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