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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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Lowell Claimform - old Vanquis card debt***Settled Tomlin Order***


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  • 4 months later...
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Sorry it's been a while, I thought that I would update you all.

I had put this problem on the back burner due to family problems.

 

In the meantime I had received a forest of letters from the Lowell offering me all sorts of 'discounts'.

I just ignored them thinking if they were offering me the 'opportunity of a lifetime' by giving all sorts of discounts, then they were probably weakening and eventually fade into oblivion.

 

But lo and behold, I have received the papers from Northampton County Court this morning.

I intend to fully fight it, it has only just dropped off my credit file after six years (not SB i'm afraid) and i'm certainly not having it there for another six.

 

They sent me about 15 pages of a photocopied credit agreement with no signature from myself.

I attach the only relevant page.

I wonder if anybody can advise me as to whether this is enforceable and what my next steps are.

It is more or less interest charges and PPI.

 

Any help truly appreciated.

Vanquis.JPG

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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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Name of the Claimant - LOWELL PORTFOLIO I LTD

Date of issue – 05 DEC 2018

 

Date to acknowledge - 23 DEC 2018

 

Date to submit defence - 7 JAN 2019

 

What is the claim for –

.

1. The defendant entered into a consumer credit Act 1974 regulated agreement with Vanquis under account reference 4023************ ('the Agreement').

 

2. The Defendant failed to maintain the required payments and arrears began to accrue.

 

3. The Agreement was later assigned to the Claimant on 29/09/2017 and notice given to the Defendant.

 

4. Despite repeated requests for payment, the sum of £25**.** remains due and outstanding.

 

And the Claimant claims

a) The said sum of £25**.**

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.556, but limited to one year, being £2**.**

c) Costs

 

What is the value of the claim - £2925.98

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account - Vanquis Credit Card

 

When did you enter into the original agreement before or after 2007 - 26 May 2010

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowell Portfolio I

 

Were you aware the account had been assigned – did you receive a Notice of Assignment - Yes

 

Did you receive a Default Notice from the original creditor - I don’t think so - I had requested it with CCA but have not received it.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year - No

 

Why did you cease payments - Redundancy. I thought it would be covered on the ROP I was paying them but I was told that it did not. I stopped paying as I was mis sold and I could not afford the minimum repayment on JSA.

 

What was the date of your last payment? 31/08/2016. Token payments to Moorcroft DCA.

 

Was there a dispute with the original creditor that remains unresolved - PPI (ROP) Mis selling.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon No

Edited by dx100uk
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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

 

…………..

 

we will need to see the complete CCA return scanned up to ONE multipage pdf please

read upload .

 

ppi/ interest will not make +£2500 and is sadly irrelevant.

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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Update. Today I received a letter from Vanquis to state that a refund of ROP, £164.00 in total is being sent to Lowell to come off the debt. Surely this isn't right. I am disputing this debt and any ROP which I paid at the time is owed to me. I have looked around but can't see much about this.

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we will need to see the complete CCA return scanned up to ONE multipage pdf please

read upload .

 

PPI/ interest will not make +£2500 and is sadly irrelevant to the court claim.

 

its a side issue as they don't include the premiums your paid just the interest on the TOP because you've not questioned it mis-selling yet.

 

don't get side tracked

 

get the 1st line of this post done 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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that CCA doesn't sit right with me

there are quite a few scans of others in

 

vanquis claimform threads

and

vanquis CCA return

 

use the search CAG box of the top redtool bar

have a look around.

 

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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I have had a good look around and none of the credit agreements are like the one I received.

It looks definitely reconstituted.

 

I also received what looks like a copy of an excel spreadsheet with my basic details included.

There is one of these on another thread called 'Electronic Signature For Online Applications".

I will attach it tomorrow.

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  • 2 weeks later...

These are the identical copies I received in the CCA agreement along with the copy of the agreement.

I cannot scan the originals as they are of poor quality.

 

I sent the CPR request to Lowell Solicitors by track and trace well before the deadline of 23 December and I have checked online which states that they signed for it on 27 December 2018.

 

One thing I am bothered about is now Vanquis have given the ROP interest of £164.00 to Lowell.

The amount claimed by Lowell is now incorrect.

 

Will this have any bearing on the claim.

 

Any help most appreciated.

1.pdf

2.pdf

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all blurred up your resolution

the default notice...??

 

ONE multipage PDF please ONLY

read upload

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

These are the originals, please note that the quality is very poor, it seems these have been taken from an extremely poor photocopy.

 

To my knowledge, I have not received any default notice from Vanquis, nor did I receive one when I CCA'd them.

 

Today,

I have received a letter from Lowell Solicitors stating that I have not contacted the Court and will press for Judgement.

This letter was dated 26 December.

 

I replied by MCOL on 10/12/2018 stating that I wish to defend the whole claim and sent CPR request which they received on 27 December by track and trace.

I have saved document from MCOL proving that I intend to defend the claim.

The rest of the letter is full of threats.

 

I am fuming that they have lied, stating that I have not responded to the Court when in fact I have, and I can prove it.

If I did not know any better, I would swear that this is tantamount to trying to pervert the course of justice.

 

Anyway, rant over. I hope the documents are OK albeit difficult to read.

 

Many thanks.

combinepdf.pdf

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its a std letter they send ignore it.

 

just do not miss you def filing 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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I received a letter from Lowell Solicitors today dated 31 December.

It states that a copy of the agreement and notice of assignment is enclosed as agreed.

There was nothing, just the letter, that was all.

 

My filing date for defence is 7 January,

I need to get my skates on and send something off by tomorrow at the latest.

 

As they have not sent the paperwork they have promised,

do I submit an embarrassed defence,

or it is one of their 'tactics' to pull this type of stunt.

 

I have never done a defence before and I am pretty well nervous about this.

What do you think I should do.

 

Any help would be gratefully appreciated.

Edited by dx100uk
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Then take a look in the Legal Success Forum...there are 1000s of examples of defences which deal with all the stunts tried by DCAs and successfully dealt with and claims discontinued.

 

Andy

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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you've had a month to get a defence researched

yet you leave it until 3 days before

 

and no you don't file an embarrassed defence

that went out the window years ago.

 

std no paperwork/holding defence on almost every lowell vanquis claimform thread here already

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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Urh??

Why did you not file it by mcol website!!!

 

What did you fule?

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 tried to file it by MCOL yesterday, I entered the claim number and password, however, it stated that the claim number or password was incorrect. I tried several times but it would not let me in.

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Mcol is often down on w/ends

Wasnt due till monday by 4pm

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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Update - Received 2 letters today. One from the Court to state that my defence has been passed to Lowell Solicitors. The second was from Lowell Solicitors. They enclosed a credit agreement (the same one as above) and a letter without a letterhead with COPY written through it, supposedly a notice of assignment.

 

These are the documents which were supposed to be enclosed with their letter of 31 December, which were not enclosed.

 

The situation is this, my defence rests on Lowell Solicitors not complying with the CPR request, even though they will probably swear black and blue that they enclosed them in the first letter.

 

What do I do now, do I still argue that they did not send me the relevant documents in time.

 

I am aware that they can cobble up any old rubbish now to make it look legal and official in front of a Judge.

 

Anyway, I suppose it's now time to hang in there and wait for their next move.

 

Many thanks for your continued support.

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we will need a copy of your defence here.

 

they have 28 days as the court letter states to do 'something'

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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