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    • 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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Dipping my toe in (re: debt)


eastlad1987
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Hi there, I am new to this so go easy on me please I hope I have posted this in the right forum.

 

I have got myself into a right pickle with debt.

I am on benefits and am seriously getting close to the line of going completely and utterly doolally with the stress of the constant letters and phone calls.

 

I am really not well mentally and this is just the thing that is going to push me over the edge, as the letters coming are increasingly threatening, and I am really scared.

 

I am willing to give details but I just dont know where to start or what to do, I am living hand to mouth as it is.

 

Hope someone can advise. Hoping this might be the first step to ending the harrassment so I can concentrate on getting better.

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easy...

 

list your debts please - for each one give the following please

 

original creditor

type of credit

amount borrowed

when taken out

is this defaulted on your credit file if so that date please

last payment date

who you are paying

outstanding amount

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 harassment is easily to handle...simply file the letters in folders corresponding to each account and dont answer your phone...set it to answerphone they always hang up ..if the call is important the caller will leave a message......DCAs wont in case you store and collate the calls and use it against them as harassment.

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

If you want advice on your Topic please PM me a link to your thread

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Debts (Recent From August 2017)

Klarna Bank

Original Debt: £300

Last Paid: £12 novemeber 2017

Now Owe: £288

Now with DCA.

 

Tesco Mobile Contract:

Defaulted and Contract ended

Last paid: £11.50 in November 2017

Unknown what total debt will be but was only 2 months in on a 24month contract

 

o2 Mobile contract:

Defaulted and contract ended - being passed to DCA

Last paid: £12 December 2017

Unknown what total debt will be but was only 1 months in on a 24month contract

 

Ace Catalogue:

Defaulted

Owe: £116 (i think this has been passed to DCA)

 

Next Directory:

Defaulted

Paid: £9 (minimum payment last month) missed this months

Current debt: £310

 

Provident Loans:

£200 Loan - Paid 4 payments of £12 a week - now defaulted and been passed to DCA. Balance is £298 outstanding.

 

------------------------------------------------------------------------------------------------

 

Debts Pre August 2017

 

Peachy Loans - £200 - With DCA - dont know how much is owed lost all letters

Sunny £100 - With DCA - dont know how much is owed lost all letters

Lending Stream £300 - With DCA - dont know how much is owed lost all letters

Ferratum UK £300 - With DCA - dont know how much is owed lost all letters

Pounds To Pocket £300 - With DCA - dont know how much is owed lost all letters

Wonga £150 - With DCA - dont know how much is owed lost all letters

MYJAR £200 - With DCA - dont know how much is owed lost all letters

 

Vodafone - £400 With DCA

EE - £450 With DCA

Vodafone Business - £450 With DCA

Virgin Mobile - £400 With DCA

BT - £800 With DCA

JD Williams Catalogue - £550 ish With DCA

Jacamo Catalogue - £500 ish With DCA

 

Halifax Bank overdraft: £300 - With DCA i think

 

EON Electric : £100 With DCA

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If you could name the DCAs......against each agreement

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

If you want advice on your Topic please PM me a link to your thread

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Jesus!!! IRL screaming out here!!!

 

Vodafone debts, have you demanded to know how they arrived at those figures? Bet they've added the entire months you haven't used to the total owing=unenforceable.

 

Halifax, have you reclaimed THEIR charges?

 

EON, set up a payment plan with EON, NOT their childish DCA...

 

If any of the DCA's ring you, laugh and hang up, never EVER discuss ANYTHING with powerless DCA's over the phone.

 

Who? Is chasing you for which debt please?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ardent Credit Services Ltd dealing with Klarna bank and next directory

 

Lowell dealing with tesco, o2 and ace catalogue

 

Provident kept sending the area "manager" round daily.

 

I shouted out the window

"im going to call the police if you come at unreasonable times of the day anymore"

he then disapeared for a week,

 

last week reappeared at 6:45am my housemate answered the door and told him to ..and get a real job, now i have got provident head office bugging me 50 times a day on the phone.

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and if you are paying each debt please...

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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No i have stopped paying EVERYTHING it was crippling me.

 

I receive Job seekers allowance £142 a fortnight which has deductions of £15 a fortnight leaving me with £127 and I have to pay my rent service charge of £27 a fortnight. So i live on £100 a fortnight. There really is little if anything spare for debts :(

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NO DCA nor provi doorsteppers have ANY legal powers

tell them to leave and not return else police 101 will be called

I really do hope you've not been conversing over the phone with any DCA

they ARE NOT BAILIFFS.

writing only

put the phone down.

and don't use EMAIL either.

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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No i have stopped paying EVERYTHING it was crippling me.

 

I receive Job seekers allowance £142 a fortnight which has deductions of £15 a fortnight leaving me with £127 and I have to pay my rent service charge of £27 a fortnight. So i live on £100 a fortnight. There really is little if anything spare for debts :(

 

that's ok when you can go get a bunch of blank £1 PO's

then you have them ready for the CCA request you need to send to everyone chasing you for money on any debt bar bank account/mobile/util

 

that EON debt stop paying the DCA pay EON.

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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Yeah well, mark it as junk, and bounce them back.

 

Any silly messages the little children send 'forward' them to 7726 (SPAM on your phone keypad)

 

Any clueless beggar knocking your door asking for handouts, tell them to leave, pronto, or plod will be called.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Debts (Recent From August 2017)

 

Debts Pre August 2017

 

EON Electric : £100 With DCA

 

Hello eastlad1987 and sorry for the late reply. Only just spotted your post.

 

Have we actually assigned this debt to a DCA? If we have, a payment arrangement can now only be set up with the DCA concerned. We can take payment in full but, given your posts, this doesn't seem possible. Sorry I can't offer anything more positive on this particular point but there might be other ways we can help.

 

Talk to us about the E.ON Energy Fund. This has been set up to help vulnerable customers with current or final E.ON energy bill arrears. There's more information about this on our website at the following link including how to apply and what you need to be eligible.

 

https://www.eonenergy.com/for-your-home/saving-energy/need-little-extra-help/energy-fund

 

Going forward, are you still our customer? If you are, you might be eligible to receive Warm Home Discount. This is a payment of £140 towards winter bills. The 2017/18 scheme is now closed but this could be useful for 2018/19. Again, there are more details on our website including a page to register an interest. Please see below.

 

https://www.eonenergy.com/for-your-home/saving-energy/need-little-extra-help/warm-home-discount

 

On the same page there are details of help with energy saving stuff like loft and cavity wall insulation. This is through the Energy Company Obligation (ECO). Not of immediate help, I know, but might be useful for the future.

 

Have you thought about prepayment meters? These let you buy energy in advance from various retail outlets. They also let us put any outstanding debt on the meter to collect at an agreed weekly rate. Prices for prepayment tariffs will, though, be higher than most of our fixed deals and there won't be lower daily standing charges for paying with a Monthly Direct Debit

 

Hope this gives you a few pointers to help deal with your E.ON debt eastlad1987.

 

Malc

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Have we actually assigned this debt to a DCA? If we have, a payment arrangement can now only be set up with the DCA concerned,Malc

 

This is why 'customer service' isn't a dirty word.

 

If corporations don't want to collect money they're owed and farm it out to powerless debt collection agencies, then don't be surprised when you get an even worse rep than you command already and your profit stream dries up.

 

DO NOT pay a DCA.!

 

As for installing a pre payment meter!!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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