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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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Cabot/Restons PAP Letter of Claim - old Halifax Credit Card debt


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Hello. I am new to the forum and need some advice/help.

 

Received a letter from restons Re an old credit card debt seeking payment and issuing a county court claim against me.

 

It should have been statue barred Dec 2017 but apparently I have made payments.

It is possible as this card relates back to when I got divorced.

 

I was advised to send a practice direction letter which I did and received a response from them.

 

Can someone please advise what this means and is it worth defending in court.

My friend has offered to pay it off for me as it is making me stressed.

 

I have a mortgaged house and a car which I have been told they will put a charge on.

Is it worth paying this off or defending and if I did what are the potential court costs, would it add a lot to the debt.

 

Any advice would be appreciated. have until 5th Feb to respond.

docs1.pdf

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Thank you for relying.

 

 

It was a colleague at work who suggested it.

 

Something about there is a process of 3 letters to send or something like that and it can maybe stop the debt.

 

I have searched on the forum here for Restons and is seem there is a lot of issues with them.

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Hi......not the best advice given by your friend...in particular " the 3 letter nonsense"

 

You cant request any of the above until a claim is actually issued...and a claim shouldnt be issued until the Solicitor issues the following.....

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017.

 

 

With regrads to requesting a copy of the agreement...its only legally valid if you follow the following link.....and it goes to Carboot not Restons.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

Send the above now to Carboot...no more letters to Restons until you receive a LBA as described in the first link above.

 

 

Regards

 

Andy

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Hi Andy

 

 

I am confused. I have had a look at the Pre-action document and is that not all the in the bumf that Restons have sent in their claim letter dated 5th Jan or am I missing something.

 

 

I can send the letter to Cabot with a PO. Does it go to their registered office address at the bottom of the statement that is in Restons ream of paperwork. Apologies but what is an Iba that you mention. I have looked at the link about small claims court but cannot see iba :-(

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No...cant see any forms for you to complete with information to submit within 30 days in your uploads ?

 

Section 78 Goes to the claimant...not the solicitors Restons.

 

LBA = Letter Before Action....re first link I posted

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 OTHER

 

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H Andy

 

 

Done the letter for Cabot and will send it to their Registered office in Kent as I don't have a letter from them only the copy of the Cabot letter in the Restons pack.

 

 

Strange I will try to upload the Restons letter again as there is about 18 pages.

 

 

I am just conscious that Restons only gave me till 5th Feb and then they are starting proceedings and Cabot wont have replied by then. Will Restons just go straight to issuing court proceedings if I don't respond to them before 5th Feb as that is my understanding.

 

 

If it goes to court how much more am I likely to pay.

Debt claim 5th Jan 2018.pdf

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Yes you do have the form...dont use their version ...complete the one in my first link.

 

Send your CCA request separate as advised to Carboot...its not legally valid unless you send it to the claimant.

 

If you wish to defend...then there will be extra costs....claim issue fee (£100) and Sols fee (£50 - £75)..

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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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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Thanks.

 

Are there word versions of the form anywhere so I can type direct into? I can only find PDF ones

 

Hi

Done both the letters CCA for Cabot and the other for Restons.

Not signed either of them only printed my name.

 

Can someone please have a quick check that they are ok and I will post today.

 

The Restons one has to be with them for before Monday 5th Feb as my 30 days will be up. Should I send it special delivery so I know it will get there in time.

 

 

Much appreciated

Pre-Action reply form Completed 31st Jan 2018.pdf

CCA Request 31st Jan 2018.pdf

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please read what the letters state at the top

do not publish them in the open forum.

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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as said don't use the reston form you've been sent

use the attachment in post 6 of that link.

 

for box d use a separate piece of paper with the wording for there

and staple it to the reply form

 

1st class post is ok

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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we don't need to see our own templates

they are fool proof

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 am confused here. I didn't use the Restons form but the one on the link on here.

 

 

Why box D on a separate sheet when there is more wording on box I? I don't have anymore text to go in box D.

 

 

Am I supposed to be putting something else in?

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sorry box I

it needs more room yes

i'll do that later

 

yours is fine as you've done

just send 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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you should also be sending a SAR to the original lender so you can see what payments were made and when

 

also be able to tot up what was owed what was interest added to fees and thus not actually allowed etc so you are in a position to challenge the actual value of the debt.

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Thanks for the info.

 

CCA sent to Cabot and IBA letter to restons have gone today.

 

Will look at doing a SAR just need the £10 to do it.

 

Is there anything else I need to do or do I just sit back and wait for their responses now.

 

If they proceed down the court route what do I need to do?

 

Thanks

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Nothing.....post here when /if you receive a N1 (court claim)

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 2 weeks later...

Hi

 

Quick update -

 

Response received on Fri 9th from Restons after sending back the completed pre action reply form.

 

Nothing received from Cabot in respect of the CCA request (with £1 PO enclosed) which they signed for on 2nd Feb.

 

Just 1 question are Cabot supposed to respond within 14 days which would be 16th Feb going off the date they signed for the letter.

 

I presume I just wait now for their next move.

Restons response 6th Feb.pdf

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as post 21

 

oh and its working days. not CAL

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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  • 2 weeks later...

Hi

 

 

It has now been 15 working days since my CCA request to Cabot and no response from them.

 

As they have passed the legal time limit does this debt become unenforceable or can they still produce the documents further down the line.

 

Do I need to write another letter to them informing they have not complied to the CCA request or let sleeping dogs lie?

 

Also no further response from Restons after their last letter on 6th Feb.

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