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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.
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NRAM advice needed


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Hi

 

I've got an large outstanding balance (£25,000+) with NRAM that I am now being chased for.

 

It is for the unsecured part for the dodgy Together mortgage, the house was sold Feb 2008 so the paperwork I signed will be a CCA that is post 2007. I was paying up till July 2012, however I was overpaying the so there was a surplus that serviced the debt was until May 2013 (first missed payment according to Noodle).

 

Got the first letter from them today, really surprised it has taken them this long.

 

Wondering what to do next? I can offer to pay something and ironically if I pay them what my minimum payment was set at (not the overpayment rate I was paying). I will pay off the outstanding amount 6 years earlier than if I had just payed them normally without the risk of interest rates going up impacting the balance.

 

I would also assume from credit reference file point of view, that once the default has dropped off on that account it would also look like a normal loan that is being payed by then there would have been 12 months of payment history.

 

The letter is very tame and states it has now been passed to Loss Recoveries and no interest or charges will be applied if I make payments or I keep them informed.

 

The letter also states they may consider passing on to a 3rd party DCA etc, etc.

 

I knew this was coming and thankfully I'm in a position now where I can do something about it. BUT they screwed me over when I went for an IVA back in 2006 and a lot of the financial problems I had would have been done and dusted by the end of 2012.

 

I've seen about claiming about charges and fees and if this can get the balance down a bit then I will take that as a win.

 

Also does anyone know what it is like to deal with them compared to the other DCA's?

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Not suggesting debt avoidance, but just pointing out that if your last payment was July 2012, that an unsecured loan would become statute barred due to limitations act, sometime during Summer/Autumn 2018. Then you could defend any court claim on that basis.

 

If you pay after sorting out any issues with charges and fees before the debt becomes statute barred, then you are commiting yourself to repayment over the relevant period.

 

Even if NRAM pass to a DCA, it might be some time before they contact you and they might not realise the last payment date is coming up to being 6 years ago so statute barred.

 

Remember that there are huge volumes of debts being chased at any one time.

 

What incentive will NRAM provide to clear this debt e.g reduced settlement.

We could do with some help from you.

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My understanding is because I had built up a reserve pot of cash by overpaying that pot continued to service the debt for the next 7-8 months, so my first missed payment was May 2013. I'm hoping your view is the correct one as obviously I about 10 months away from that.

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My understanding is because I had built up a reserve pot of cash by overpaying that pot continued to service the debt for the next 7-8 months, so my first missed payment was May 2013. I'm hoping your view is the correct one as obviously I about 10 months away from that.

 

Only way you would find out, is by getting hold of statements to see whether they applied the pot to service the contractural payments due. And did the terms of the loan allow them to use the overpayment pot in this way.

 

Did you get a default notice and if so what did this show ?

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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sar time me thinks.

 

I bet 99% of the loan and the mortgage was unlawful insurances and charges.

 

as you sold the property the loan is no longer secured.

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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the other thing to consider is that they are saying that by not sticking to the agreement the whole sum becomes due as of the default date (true)

but that also means that your previous payments were a variation of the original agreement in such a way that it cannot be said that those terms actually applied to the loan.

 

This means that they cant store money in a separate pot and then drip feed it into the loan account,

you didnt authorise this, it was a debt, not a savings account.

 

As for passing the debt on to a dca, that would be the best news ever as far as you are concerned as it would just waste time, something they dont have a lot of in the grand scheme of things

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Thanks, going to do some reading up over the weekend.

 

Is worthwhile waiting till it does go to a DCA, then going down the SAR route? If I SAR now I am just confirming my address and that I am actually here, might by me a few more weeks or months.

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bad idea hiding on any debt!

if you've not confirmed in writing to any listed creditor or debt buyer that you've moved

i'e officially told them where you live now

 

you run the very big risk of a backdoor ccj.

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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Okay understood I was not trying to hide but maybe stall the process by a month or two (if they get no response then they will probably then go to a DCA), I've been at my current address for well over 3 years so it's not like I'm moving about avoiding people.

 

Regarding default notice etc I don't recall ever getting one, was living outside of the UK at that time but I had my mail forwarded for 2 years and I don't ever recall seeing one (not to say one did not get lost in the post).

 

I will go down the SAR route and take it from there, getting a CCJ is the thing I need to avoid as it will probably mean I have to resign from my job and nobody will win anything after that.

 

So my game plan is to SAR, check what the legal position I am in regarding the CCA (if they have one and if it's enforceable but I doubt I'm that lucky) and where that leaves me regarding the overpayments that have been used or the fees and charges that have been added.

 

Then try to negotiate a final revised figure and try to pay that off over X years without it impacting to much on my monthly outgoings. I think that's the best I can hope for and TBH if I got a decent lump knocked off the outstanding figure, knowing the default will drop off my file in less than 2 years I would take that option right now.

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Can anybody share any info/advice/written statement I can use (by that I mean plagiarise) to send back to NRAM acknowledging the receipt of their letter that I am will be contact in due course (this also confirms my address)

 

once I receive all documents from the SAR and had some time to review their contents.

Whilst also stating I do not acknowledge the alleged debt is mine at this time?

 

Also am I right in assuming I will get a copies of my CCA as part of the SAR, or is it wise to bang in a separate CCA request now.

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No idea what letter you are seeking. The SAR is seperate to any debt collection process. The CCA copy may or may not come back with such a request. It is usually a data dump, not every document they issued.

 

The CCA request is a statutory request and does affect debt enforceability until they can provide a copy. For a pre April 2007, they need a copy of the original CCA you signed, if you defended any court claim.

 

Suggest that you just send off the SAR to the NRAM head office marked for the attention of Data Protection Officer.

 

If you send the CCA request now you are giving them potentially ages to go down into the vaults trying to find out. Are you sure you need to do this now ?

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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just send the sar.

kills two birds..

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 will hold off the CCA and that was my gut feeling anyway, I was just making sure that by going down the SAR route it does not accidently reset the SB clock.

 

Quick question regarding a CCA pre April 2007, is it the actual printed T's n C's on the actual copy that is different?

 

Or is it just if the CCA was signed after April 2007, so the same CCA document signed March 2007 is governed by different criteria than the exact same document signed May 2007?

 

In my case all the paperwork was signed around Feb 2008 so probably no use to me.

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reconstructed agreement were allowed after

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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SAR is your legal entitlement to access your data, that is all.

 

The April 2007 issue is in regard to when the consumer credit act change came in. The Banks basically were caught with rubbish records system and people were defending court claims based on an original CCA copy not being available. The legislation stops accounts issued from April 2007 onwards using the defence of no copy of the original CCA being available.

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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SAR went out a few days ago

 

Received another nice letter from NRAM, stating I have three options.

 

1. Arrange a payment plan.

2. Lump sum for full and final settlement (anybody got an idea of what sort of percentage they are after).

3. Regular or irregular payments, even if the amount is nominal.

 

Will be back once I get the SAR, it's a bit squeaky bum time due to the amount but I am trying my best to keep my nerve.

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  • 2 weeks later...

The SAR has been returned to me stating that they are unable to verify my signature from the letter of authority against their records.

 

They are asking signed documentation, am I right in think a scan of my driving license should be okay? as the letter does not state copies will be okay.

 

Also is uncrossed PO okay for payment as different SAR request to Santander has also just been returned stating the cheque was unsigned/incorrectly completed.

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you don't sign a PO

maybe put their name on it is all they want but its simply twaddle to delay things.

 

as for the differing signature issues

if you wish you can scan passport or DL.

 

if you've moved

id put in a ctax copy too

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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Cheers dx100uk, I did include an additional sheet of paper listing all my previous addresses.

 

Will add Santander and NRAM's names to their respective PO's and also include a scan/print of my driving license and council tax bill in each SAR.

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which you didn't do 1st time? [CTAX]

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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Share on other sites

Update SAR went out last week as per dx100uk instructions.

 

I got another nice letter from them yestereday, saying they still have not heard anything etc

 

They intend to monitor my account while they determine what future action to take to recover the debt owed.

If I don't provide an update or make payments towards my debt they may instruct a DCA to collect etc etc.

 

Then the list the usual stuff about it being reflected on my CF and how it may affect me getting credit it the future.

 

As I said a very tame latter compared to some of the DCA letters I have seen over the years.

 

Here are my questions.

 

1. Are they just fishing at the moment? As I have never received any statements etc from NRAM and I have been living at this address for 4 years next spring.

 

2. If I have never received any statements and I'm also pretty sure I've never seen an official default notice (but can't prove that as living abroad and mail does get lost when redirected) does that strengthen my case or help me at all when this kicks up a gear?

 

3. Once I get the SAR back and it is clear they can enforce the debt, do I then approach them to discuss payment plans.

 

The one thing I have to avoid is a CCJ and obviously the sum is large, what I'm worried about is things escalating before I get the SAR back and have had time to digest the information. Obviously don't want to admit to anything in writing.

 

Any advice right now would be great as I am starting to sweat about this one due to the sum involved

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never seen an NRAM CCJ ..

they'll flog it on.

 

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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  • 3 weeks later...

Just received this today, still no sign of the SAR (although they have approx 20 days left).

 

What's your thoughts, as per my thread I can't take the risk on this one so do I make a monthly payment offer?

 

I've done the maths and if I divide the total over 15 years, which is when the original loan would have finished the payments are actually a bit less than the minimum payment value I was originally paying (but with no interest)

 

Also if I do start paying them will I then at a later date be able to reclaim any charges etc to try and get the total balance reduced?

NRAM letter threat 1.pdf

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left your name on it.

 

I've hidden it

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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