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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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PayPal negative balance


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Good afternoon... I have an issue with PayPal .

 

I have been frauded online and I've been left with a 7000 pounds negative balance I can't pay..

 

story is as follows.

.. I met someone on a website called people per hour.. who wanted someone to help them sell items on eBay whilst I'll earn commission...

I did this for 2 items and sold them to 2 buyers who then paid me via PayPal..

I then stupidly paid the money into my bank account and transferred it to the actual seller who then decided to go missing and not send the product to the buyer... Leaving me in the lurch..

the 2 buyers were luckily refunded but now PayPal are asking for thier money back..

. And have threatened collection agencies..

 

. I've informed the police and both eBay and PayPal but to no avail... What do I do here??

 

It was a genuine mistake by me and iv been defrauded...

I'm not paying PayPal one penny...

I even have emails to prove my innocence as the original actual seller has contacted me loads via email..

. Will the collections people just send me letters or will they actually turn up???

Will it just go away or is my credit score in jeopardy??

Help.... I am law abiding military man who feels awful I got involved in this stupid [problem]...

Edited by dx100uk
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Ignore them. Close down the account and ignore any emails or phoen calls you get from them.

 

Paypals security systems are absolutely laughable and they wont go near a court or any legal route with it, as they wont want their entire system investigated.

 

Why are you worried about collections? They have no power to do a single thing at all. They might say they will, but thats all it is. It's scare tactics.

 

Read the other threads on here regarding paypal. It will make you breathe easier

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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Ok... Sounds interesting.. thanks for your help... Will I just ditch all letters then and ignore thier calls?? I work away as I'm in the forces.. will anyone knock my door when my wife's there?? I'll be happy to take this to court as o have proof of my innocence and that I haven't done anything wrong... But very happy to leave it lol....

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bear in mind you have participated in fraud and money laundering so paypal wont be able to chase you for the money but you may have to explain yourself to someone as to why you took part in this adventure. It is a lot of money so the problem wont just disappear completely.

 

We get this with students in particular who are looking for an easy way to earn a few quid without laying out anything upfront.

I hope anyone reading this stops and thinks about the simple adages of life, nothing is for nothing for example.

 

Having said that being naive isnt a criminal offence so do co-operate wityh any proper authority but keep away from paypal or their agents, they used to hire Intrim Justicia at one point (very swanky debt collectors) so expect loads of electronic hassle

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nobody will come to your home from the DCA's paypal use. Theyre not that stupid

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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Besides, if you're on a base (inside the wire) they'd never get past the gatehouse without someone shooting them repeatedly :lol:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Quick update.

 

I have left it a while after sending PayPal countless emails they have eventually replied stating that I have to pay regardless as it was a 3rd party

I obviously am contesting this and said I financially cannot afford to pay this amount back..

they have offered me a payment plan however even a small monthly payment would hit me hard financially and I still feel that I am right in not paying...

 

They said if i don't the letters will start coming to my house reference collection.. what should I do now?? Any advice please???

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you do nothing ignore them

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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what should I do now??

 

Exactly as dx100uk has said. You do nothing except allow them to waste their money writing you nasty letters. Because that's all that they will do.

 

Buy a hamster, PayPal and/or their tame "Desperate Collection Agency" will send you regular 'bedding' for it :lol:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Paypal have failed to follow the EU regs on money laundering so they are in the mire anyway. Dont pay for their errors.

Learn from this and understand whay went wrong and why.

 

Ebay has the power to look into the whole transaction and set the police on whoever is behind this but they wont, they dont want it publicised that their systems are leakier than a sieve.

 

IF you do get letters you read them very carefully and note what they say they are GOING to do and ignore what they MAY do or intend to do or recommend someone else does or whatever.

 

Blcok their emails, block their texts and so on.

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  • 3 weeks later...
Quick update.

 

I have left it a while after sending PayPal countless emails they have eventually replied stating that I have to pay regardless as it was a 3rd party

I obviously am contesting this and said I financially cannot afford to pay this amount back..

they have offered me a payment plan however even a small monthly payment would hit me hard financially and I still feel that I am right in not paying...

 

They said if i don't the letters will start coming to my house reference collection.. what should I do now?? Any advice please???

 

Hey any update with your case?

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Hey.. had loads of phones call which I have I ignored and blocked now.. 1 or 2 emails which I deleted... I have sent one back to them now disputing the case again and also saying I am happy to take this to court to fight my case... They have not been in contact since...

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don't feed the trolls

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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Just going to sit it out now... And await the collections letters.... When they arrive shall I start the 3 letter process straight away or just ignore it totally... thanks for all your help so far...

 

what...please don't tell me that's FOTL poop?

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what 3 letter process?

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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Freeman of the land twaddle ignore

 

never invite pointless letter tennis

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...

Current update then

... I am constantly getting calls from PayPal.

. probably 5-6 a day from the same 2 people lol

 

... They say it's a personal business call and I should call them back lol...

 

Just blocked them and deleting their voice mails..

.no letters or emails just pure phone harrassment...

 

What to do now???

Continue ignoring????

What will happen next????

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Always ignore

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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Current update then

... I am constantly getting calls from PayPal.

. probably 5-6 a day from the same 2 people lol

 

... They say it's a personal business call and I should call them back lol...

 

Just blocked them and deleting their voice mails..

.no letters or emails just pure phone harrassment...

 

What to do now???

Continue ignoring????

What will happen next????

 

Calls last around 3 weeks then they'll get collection agency involved.

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  • 2 weeks later...

Hey guys.. update.. PayPal have moved on and passed this to a company called westcott who have been trying to ring me... Obviously I'm ignoring them.. I'm expecting letters through the post but none so far.... When they come do I just stay strong and keep ignoring?? Anyone had dealings with westcott before????

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