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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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Paypal negative balance


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I have a negative balance of £320 but can only afford little payments,

 

I’m hoping to be lucky and not get any letters etc untill jan at least I will have it paid off by then,

 

Hi, I have a negative PayPal balance of £320 (first time) and can only afford one payment each month, I was

 

spending money I didn’t have and now suffering the aftermath,

 

iv read loads of posts about what happens

but how long do you actually have before PayPal close account or sell the debt to collection agency’s?

 

Do people actually come to your house or do u just respond to letters and phone calls?

 

I’m sure PayPal must email you first before handing it over to someone else or do they just do it without notifying you?

 

have no idea if I will get letters etc?

 

’m sure PayPal have to notify you first before sending your debt to agencies?

 

I’m hoping to pay it off before it gets to that point ( hopefully January!)

 

any advice would be good thank you!!

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Does it matter if they do get a DCA involved? No. DCA's cant do anything to you. What will happen is they harass you with 3-4 letters then run off with their tail between their legs. They always do.

 

WHy are you so scared of a DCA?

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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theres no set time frame

never has been.

 

could be +6mts atleast

 

just remember a DCA

is NOT A BAILIFF

and have

NO SUCH LEGAL POWERS

simply ignore them.

 

as with the phone

the same applies to your door

you are under NO legal obligation to talk about any debt over the phone nor at your door.

 

leave my property else i'll call police 101.

 

pers i'd not worry about this at all

no-one has ever been taken to court by anyone regarding a paypal debt

as they no longer reside in the UK

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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Ok thank you for that Info,

I will keep updating my thread with any new events etc,

 

I know some people have had letters in the post from them and they set up payment plans but mine will be paid off before that happens (hopefully)

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Anyone ever had a negative balance with PayPal?

If so what happened with it?

 

I can’t pay it all in one I can only afford little payments now and again and

 

I just phone them to add a note saying il pay a little bit off,

has anyone ever gone as far as their debt being given to a dca

and if so how long did u wait before this happened

and did PayPal inform you first

and what sort of letters did u receive?

 

Are they in normal white envelopes or brown etc?

 

Any help would be nice thank you

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Yes I did just wanted to see if I would get more/different responses on a new night

 

Seriously :) A different response?

 

:rofl:

 

No..... Seriously though - The guys are right, DCAs have no rights so dont worry. And Ive never seen a paypal account go to court :p

So lets look at this issue, £320 isnt massive so can be dealt with bit by bit. Can you afford £10 a month to pay it back? Maybe £20? How did this all come about?

 

We can help... Just need more info :)

 

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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paypal still claim i owe them 2 grand from around 11 years ago.... yeah right. They even locked down my verified business account and tried to hold close to 30 grand in it. Had to go to court to force them to give me it back.

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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Hi thanks for the replies,

 

yes after my first payment of £30

they phoned and

I phoned back saying I can’t pay in full

 

they left another note on my account to pay another £30 by this Monday (20th) which I already have done

 

I think the best way is to just keep asking them to add a note and il pay £10 a week or so just u till Dec and jans paydays and it should be cleared by then hopefully.

 

I had £0 in bank and was able to spend more by using bank account instead of debit card method so it built up and it’s my own fault entirely but I will learn from this once it’s paid, I think they only contact me once the note on account expires

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PayPal don’t do payment plans only the dca do because not hey can work on the case longer and I’m in a trust deed so I can’t take out new loans etc, I will prob hear from them again after Monday but I will just make a payment of £10 untill next week or so

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Doesnt matter what paypal say they do. You can force them to accept. The DCA has absolutely no rights and you NEVER talk or deal with them.

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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Either ignore both parties, or if y ou want to pay, pay paypal direct and completely ignore the DCA.

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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They do it out of courtesy. Most times youll just get a letter. Keep paying as you are now, and if you get a letter, ignore it completely.

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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I can make little payments just now but it will get to a point eheee I will have to wait untill payday before I can do another one but they don’t seem to like long waits for a payment which is annoying because you tell them you can’t afford to pay every penny in one go

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Doesnt matter if they dont like it. They have to go by your financial circumstances. They dont get to dictate. Especially since its almost impossible for them to enforce anything and rely on threats you and others fall for.

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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Not cowards, they just have very limited enforcement powers in this country. Just like a bunch of other finance companies, such as PDL's, they cant or dont take action themselves, they just pass the debt out.

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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