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    • 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?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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      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.

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Debts no longer on Credit File scotland - can they re-appear?


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Hi All,

 

After many years of stressful negotiations, hard work and lots of help from people on here - I have had a clean Credit File for the past two years. All of my old Debts are off and I have been able to move on with my life credit wise(ly). :)

 

There are a couple of accounts still active on which I am just paying a token amount of £1 on. I wont go into the details, but basically I'm going to stop paying the token amount - my total Debts add up to about £7k over 5 or six accounts and the amounts vary from £200 to £2k.

 

Basically, I'm just going to stop paying them. They have been getting paid for around 10 years and really, I want to put it all behind me for good and move on.

 

My worry is, if I stop paying them - although they are off my Credit Account, can they reappear in the form of a CCJ etc if the DCA brings action against me?

 

I'm not asking for a morally opinionated answer, but rather a can they come back to haunt me ?

 

Thanks in advance!. Scotty

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And now for my longer answer - They cant, but a DCA may try its luck by changing the default date etc

This is wrong and shouldn't happen. It happened to me with Lowell..

 

Yes a CCJ could appear but you wouldn't let that happen now would you? :)

You need to defend if it comes to it.

 

Finally tell us more about said debts... I think we could be off some help :)

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Perfect answer - yes it would be aggressively defended. I have had all that nonsense thrown at me before in the past. Fear tactics, doesn't phase me. As long as they can't "legally" enforce it.

 

I did call and settle a few at 50% of the value, but now, I just want to move on.

 

Debts are 2x old mobile contracts from about 8/9 years ago, less than half the value left, banks loans and overdrafts and an old credit card, again all under 50% of original value. I think I've done my time :) All are with DCA's.

 

Provident were crackers - kept registering late payments for 4 years when it should have been defaulted. Went through the whole process with them and they refused to mark as defaulted. FOS upheld my complaint, got them to remove it, write off the value and pay me compo haha!. Only time the FOS have found in my favour right enough. Another two went all the way up to a court date before the DCA's/Solicitors gave up. Its ridiculous the tactics they pull.

 

Thanks for the info :)

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Thats fine - If they do court this time time - Rules changed on 1st October - So potentially less likely to go for it! (Maybe...)

 

Tell us who the debts are from, who they are with etc

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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haha, yes I know, can't explain it myself.

I think I had one account with £1.12 in it.

The rest were frozen. They must not have offset it.

 

British Gas had the cheek once to send me a cheque for 2p! Lol, that is a story and a half and two years of absolute hell.

 

They sent an Engineer to disconnect my supply and I invited him in and explained to him the hassle I had with them. (My wife was seriously ill).

He said, son, i'm on your side, i wish you all the best and walked out LOL!

It;s all funny looking back, but at the time, was one bloody stressful time of my life.

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They can’t reappear as the original debt.

They could reappear as a CCJ ; and since you were making ‘token payments’ they won’t be statute barred.

 

They’d have to be:

a) enforceable

b) successfully taken to Court for a CCJ,

first though.

 

Any that you think they likely would get a CCJ on that they serve a claim form on : consider agreeing a Tomlin Order instead?

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Thanks Bazza

 

I will just see how it goes and if it comes to the worst, make a settlement offer. I should be able to do that if they come a calling.

 

Also, I find when you dig your heels in, they tend to just fling it around like a used toy to other DCA's for whatever pence in the pound - so any offer to get it off their books should be welcomed - I would hope.

 

Will need to look into this Tomlin......

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moved to the dealing with debt in Scotland forum.

 

 

just ignore them

stop panicking...

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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