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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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First National Bank PPI


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I had a secured First National Bank loan in the late nineties which I believe had PPI.

At the time FNB was owned by Abbey National/ Santander.

 

I submitted a PPI enquiry to Santander but they only came back with details of my old bank account with them.

 

I believe that FNB were purchased by GE Money at some point.

Should I be making my enquiries with them?

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

DCA's view debtors as suckers, marks and mugs

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

and they

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

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

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This is, as they say, interesting.

 

The reason I made a PPI enquiry to Santander about this was that The Claims Guys sent me a form with First National Bank on it but without any account number. I took out an FNB loan in the very late nineties and paid it back in 2002. I should mention that I used the Claims Guys to make enquiries and I've submitted the resulting three claims myself.

 

To get more details I made an enquiry on the Santander website but they only replied with details of my old current account. When I rang them up, they gave me details First National Bank with an address in Harrow. I'm not sure that there's any business there anymore since there's no website and emails bounce.

 

I subsequently read that Santander sold FNB to GE Money in 2003/4. I have just rung them and they took details of my name, old address and date of birth. They then said that they couldn't find me on their systems. The only way they could proceed is if I supply the account details and proofs of identity.

 

I think I'm being given the runaround here which is unsurprising given that Santander are in the mix.

What I find curious is that the Claims Guys enquiries seem to have found something.

Given that both Santander and FNB effectively still exist albeit the latter is trading under a new name,

 

I find it hard to accept the excuse that they don't have the paperwork particularly when I remember that I had to make a DPA court claim to get Santander to comply with a subject access request over bank charges 10 years ago.

 

Could anyone confirm who I should go after here?

The lack of paperwork is very convenient but I'm unsure who I would actually make a PPI complaint to.

That would at least give me a starting point.

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you need to read all those threads I sent the link about.

 

rung who? GE?

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

really that's rare for them to even bother to help at all

they ALWAYS state its nothing to to with them but the broker you used.

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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Share on other sites

They were actually very nice over the phone taking my details and then checking their systems. They even put me on hold whilst they checked another system. They were really apologetic at the end.

 

However, I'm not buying it. I don't believe for one moment that they don't have records going back decades even if they bought the company from someone else. They would have acquired all of the archives. What I could believe is that the records are on microfiche or on scanned microfiche somewhere.

 

From the threads it's pretty clear that I have to go after GE. I think a subject access request with some additional comments about their obligations in respect of offline records is the way to go.

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  • 1 month later...

Quick Update.

 

I had a reply from GE saying that they had no information about me to respond to my Subject Access Request.

 

Still cashed my £10 cheque though.

 

In the meantime I obtained a copy of the title deeds to my then house using a historic records enquiry at the Land Registry.

 

This listed the legal charge that FNB put in place.

 

I have now obtained a copy of this from the Land Registry.

 

This is a copy of the loan agreement with FNB with an agreement number and shows the amount added for payment protection insurance.

 

I'm sending a copy of this with a FOS PPI complaint form to GE.

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well done

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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use the land registry site make sure its the .gov.uk one mind!!

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

  • 2 weeks later...

Fscs

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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Great advice i got original credit agreement from land registry. FNB have now said PPi was sold by The Mortgage Market north west, and they have gone bust so tuff. Any ideas ?

to start, start a thread on it.

were they regulated/fsa covered

:)

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  • 2 months later...

Finally had a reply from GE.

 

They say that the policy was sold by "Financial Funding" from Blackpool.

Looking at Companies House, they seem to be active but I suspect they're in administration. Has anyone come across them or had any experience of making a claim.

 

I have to say that I have some difficulty in agreeing with GE's assertion.

They bought First National Bank's loan book from Santander.

I took out the loan over the phone and I know it was FNB that I rang rather than any broker.

 

In their letter GE go on to say that they won't respond to any further correspondence and there's no complaint route through the Financial Ombudsman.

 

Any thoughts on where to go from here?

 

Just double checked and Financial Funding were struck off in 2009 but restored to the register for some reason in 2016. I doubt whether there's any resources there to claim against.

 

I think the FSCS may be the route to go down.

 

And the FSCS doesn't work for me as the policy was taken out before 2005 :(

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you need to find out or work out

who were the insurance [PPI] underwriters then go after them.

they would have been regulated

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

Thanks dx. Any idea where to start with doing that. All I have is the loan agreement filed with the Land Registry.

It refers to Financial Funding as the brokers but gives no more details than that.

The GE letter gives an address which is how I was able to get to the Companies House record.

 

The only thing I can think of is a SARN to the FF address but I suspect there's not much chance of them having any records for a company that was struck off ten years ago.

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if you search threads here you'll find the info you want.

 

use the search CAG box of the top red toolbar

 

some like

 

first national bank underwriters

 

post 2 link refers too I expect

 

not got time now meself i'll try later

but the info is here

and we've had results.

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 dx. I'm in full search mode.

 

FF were restored to the register by a solicitor acting on behalf of a creditor. This could well be a PPI claim as the firm seem to be heavily involved in that market. I've therefore made an enquiry with them to see what information they might be willing to disclose.

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

DCA's view debtors as suckers, marks and mugs

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

and they

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

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

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Share on other sites

I've been working my way through the forum and the links provided by dx.

 

There are a couple of underwriter options and Cardiff Pinnacle look like the strongest candidate. I'm trying to work out how to approach them given that literally the only paperwork I have is the credit agreement. I can submit a SARN but it's highly speculative.

 

One thing that has been troubling me is the way that GE are trying to wash their hands of this matter.

 

Most of the PPI claims against them appear to be for home improvements taken out through companies like Zenith.

 

In these cases the claimants contracted with a third party and the finance was provided through First National Bank.

 

When I took out my loan I was a mortgage customer of Santander/ Abbey and I remember ringing up First National Bank using a leaflet that came from Santander/ Abbey with some other mortgage correspondence.

 

FNB was a wholly owned subsidiary of Santander/ Abbey at the time and FNB were based in the same Harrow location as Santander/ Abbey.

 

At no point did I speak to anyone from the Financial Funding brokerage and I think that the first time I saw their name was on the loan agreement.

 

I think this is subtlety different from the majority of cases in the link as I was dealing with FNB as both the seller of the 'product' and as the funder.

 

I am wondering whether there is a way of directly pursuing GE Money as the new owner of the business and the seller of the PPI policy rather than going after the broker/ underwriter.

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