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    • 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.
    • 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?
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    • 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.
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      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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In a Mess and need to deal with it now


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Happy New Year to all and thank you for taking the time to read this.

 

Myself and my husband have always struggled financially but always managed to keep our heads just above water but now we are in over our heads and not sure what to do.

 

Without giving the whole story, due to no work, mental health issues and a huge amount of wrong decision making we have got ourselves into a mess that we dont know how to deal with.

 

We have racked up loads of debt on credit cards, Loans and Payday loans just to try and survive and we are sinking.

 

I know we have to deal with this and Bankruptcy could be an option but I am so scared of the implications and stigma.

 

LTB

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post up a brief of the debts in issue

if not done already, do an income/expend for yourselves see what if any disposable is available.

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hey no big sweat

we can sort this

 

just take a big breathe and calm down.

 

the more info you can give us the better.

 

it might help you better to also go start a new thread in the payday loans section

as I would suspect that many of those PDL lenders have given you loans when they should not have done

and you can start irresponsible lending claims against each one

as I bet you credit file were already shot to pieces

and you had other PDLS running already.

 

an IRL claim typically results in the debt being wiped out.

 

as for you other debts

as advise

list them here.

 

who was the original creditor

when you took the loan out

how much for

what type of credit

who you pay now

defaulted date

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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Thanky ou ford for your reply.

 

Credit cards:

 

Aqua/Marbles/Cap 1 total approx £4000

My loan with Bamboo £4000

Husbands Loan with 118 118 £1500

Payday loan Myjar £1000

 

Unsecured loan with Nemo finance £40,000 (This is going back 10 years after house repo. Loan was secured, now unsecured but still outstanding).

 

I will do income/expenditure but trouble is husband is self employed courier and there is no pattern to his income so cannot know what he will earn one month to the next, its never a lot. Thats why we have so many debts, been using them to live on, stupidly.

 

I was working for a few months in a care home but it made my depression worse and I also have ADHD.

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O dx100 thank you so much for your kind words.

 

We feel really stupid and ashamed t the situation we are in.

 

We have always worked in one way or another, mainly self employed for the last 10 years but since our house was repod we have struggled to try and make ends meet. We have never received any benefit except Tax Credits and when I did approach them last year for some help they wouldnt help because my young son still lived at home.

 

I will do a full list of everything if its required.

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hey, no worries.

an income/expend is just to see for yourselves about how much you are in a negative or positive each month. try a rough estimate if you can.

as said, the payday loans can be claimed on.

presume then now you are not a property owner?

are any of your older debt threads still outstanding

at what stage are you with the debts; paying anything, defaulted, court threats, when taken out, any cca requests, etc

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Thankyou all for your support so far, it is very much appreciated :).

Ford in reply to your questions,

 

the situation is this,

 

Yes there are a couple of old DCA things which have come to light that are older.

 

The oldest thing (and the biggest) is this Nemo loan which was secured

but when the house was repod in 2007, it became unsecured.

 

Nemo managed to get a judgement granted against us in about 2008/2009 and this only happened because we were unaware at the time that a court claim had been issued and we were therefore not able to defend it.

 

We moved around quite a bit in the first 3 or so years after loosing our home.

 

Even though we have a judgement against us, we havent really paid anything.

 

We did pay token payments of about £20 pm for a couple of years but in the last 3 years we stopped because we just havent been able to afford it.

 

Every now and then Nemo rears it ugly head but this time I have told them I cant afford anything but its just a matter of time before they are pushing again.

 

the trouble is, I dont think this debt will ever go away.

I am not a youngster and its like a big black cloud hovering in the distance.

 

With regards to the other debts,

The Bamboo loan is one month in arrears and they have not been very helpful with my situation when I contacted them.

 

Another payment is due this week and they wont be getting it because I dont have it.

 

All the c/card, other loan payments are upto date although a couple of the crap 1 cards are over limit because of charges which I know I can reclaim,

but they may not get paid this month because we have had no income for 6 weeks and when we do get some in a weeks time,

 

I have to pay rent, and essential bills first.

 

The trouble is we have been borrowing from Peter to pay Paul so to speak but it must stop now as its making us ill.

 

We live in a council house.

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hi

thanks for the info, useful.

 

unless your judgment can be set aside and then successfully defended on, then it may still be owed.

 

and, unless it could then otherwise be written off due to health etc.

it is quite a large amount,

and bankruptcy may well be a way forward to get rid of it and everything else (bank'y includes existing judgments).

 

bankruptcy doesn't have the old stigma that it used to have. and you don't have any property.

 

maybe though see if the payday loans can be claimed on,

and the credit cards, challenged/written off, first.

if you feel comfortable being able to do so.

 

i don't know your full circumstances,

but it seems that unless most of the debts (mainly the 40k one) can be written off,

then bankruptcy may be the way forward, to get rid and start afresh.

 

i hate to see debts making someone ill, its not worth it.

 

see what the guys say.

 

have you been to the likes of cab, nationaldebtline, etc, for their opinion.

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You are already receiving help from others on CAG. Just a few things I have noted.

 

You are not claiming any benefits you may be entitled to. Suggest you visit sites such as Entitled to or Turn2us and enter your details. See what you can claim. If you are struggling healthwise, you might choose to see your GP, if you have not done so far. If you have a health condition, even if you did not pass a DWP medical assessment, your local Job Centre should look at what job searches you can do. If you claim Universal Credit without notifying of any health condition, you are expected to do at least 35 hours a week job searches.

 

In regard to the Nemo and other debts, IF you decided to get rid of debts by using bankruptcy, this might not affect you that much. If you were renting privately then it might have been a problem, but if you live in a council property, this is not affected by bankruptcy. This is something you should look into. Why live with debts causing you stress, when there is a perfectly standard way of getting rid of debts ? Donald Trump has been bankrupt several times and many who have eventually been successful, have had bankruptcy or significant debts problems at some stage.

 

Secured debts like Nemo have a limitations period of 12 years for capital and 6 years for interest. Although it might be unsecured now, it is still a secured debt per its original terms. This means 12 years possible enforcement from when you last made a payment. See how it goes negotiating with companies you have debts with, but keep all options open.

 

Don't keep struggling on, when there is help out there. If you don't ask or find out for yourself, you will never know.

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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Ford

 

No not yet.

I have looked at Stepchange online and did the assessment and Bankruptcy came up as the resolution but for me that would be a last resort

I think and I would need to do my homework first.

 

The trouble is, its very difficult to see clearly and make the right decision when we are so stressed with it all and have a track record of making wrong decisions which has sort of led us to this situation in the first place, if you see what I mean.

 

@unclebulgaria

 

Thank you for your comments Unclebulgaria67.

 

As far as benefits go, we tried a year ago to get a bit of help,

 

the first time ever we have asked and the local council messed us about so much and in the end they expected our young son to cough up most his wages (he is on a low wage) or they wouldnt help so we told them to poke it!

 

As far as medical assessments, both myself and my husband have been under the GP for depression and other mental illness.

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hi

yes, the more opinions the better; from cag, cab, nat debtline, etc, to help you make the right informed decision.

imho, from the info you have posted, bankruptcy seems to be the best way forward (mainly due to the 40k judgment), unless they can be written off.

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Thank you for your comments Unclebulgaria67. As far as benefits go, we tried a year ago to get a bit of help, the first time ever we have asked and the local council messed us about so much and in the end they expected our young son to cough up most his wages (he is on a low wage) or they wouldnt help so we told them to poke it! As far as medical assessments, both myself and my husband have been under the GP for depression and other mental illness.

 

Suggest you look into this again. There is so much free help out there. The various charities such as Mind, Rethink have loads of information on their online sites and freephone helplines. Don't let one unhelpful person from your local council put you off. Most councils now have trained staff to help with benefit enquiries. Your nearest Citizens Advice centre might also have more help available, as they are assisting with issues caused by roll out of Universal Credit.

 

What income per month have you got coming into your house, your husband and yourself and how does this compare with your monthly outgoings ? Don't advise on here for your privacy., but write down for yourself a list of expenses and see how a typical recent months income compares.

 

If self employment iincome is not enough because the type of trade is just not paying, then changing to an employed job with regular income should be considered. Many self employed people would prefer to just struggle on, rather then work for a company as an employee.

 

Visit Entitied to or Turn2us and see what benefits you can claim. If you are not fit for work, then you need a sick note from your GP to submit to DWP.

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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Link to Rethink section on benefits.

 

https://www.rethink.org/living-with-mental-illness/money-issues-benefits-employment/welfare-benefits-and-mental-illness

 

If you are eligible for benefits, get your claim submitted asap, as they rarely backdate any entitlement.

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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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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My loan with Bamboo £4000

Husbands Loan with 118 118 £1500

payday loan Myjar £1000

 

Myjar - HCSTC - We can help with this :)

118 Money - HCIL - We can also help with this.

Bamboo - Is this loan done by a Guarantor?

 

You said Payday Loans in your original post. Am I missing something or have you missed something out ;) ? (Plural)

 

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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Myjar - HCSTC - We can help with this :)

118 Money - HCIL - We can also help with this.

Bamboo - Is this loan done by a Guarantor?

 

You said Payday Loans in your original post. Am I missing something or have you missed something out ;) ? (Plural)

Hi fkofilee,

When I said payday loans I meant Myjar,

 

I also had quidee but thats finished because they were sold as payday loans and reasonably short term although I am on my third myjar loan and each time the offer is for more money and longer terms.

 

Bamboo - no guarantor.

 

I would appreciate if you could give me some guidance with these as I cant pay them.

 

should I offer token payment of £1 rather than pay nothing?

 

Many thanks

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no you start an irresponsible lending claim on EACH ONE

start a new thread in the PDL section.

 

keep these off this main thread

you can even send an IRL claim for the ones you've paid off

 

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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