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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. 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. Can a PPC (claimant) 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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Old HSBC Credit Card Debt England/Scotland Skullduggery


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Hi all,

 

Well... this one has been going on for sometime, and there's definitely been some skullduggery going on. so I thought I'd ask for opinions on the matter.

 

The issue concerns a £6K HSBC credit card debt and crosses borders!

 

Around the time I went to university I opened a HSBC account along with a credit card (2003). This account was opened in England.

 

Fast forward a few years to 2009 and I (like many) was a victim of the financial crisis and back home with Ma and Pa, now living in the Scottish Highlands. I managed to keep repayments up until early 2010 when it was no longer feasible and there was a £6k debt on the card.

 

At this point I made a formal request for a true signed copy of my CCA. They couldn't provide it, or a reasonable explanation of where it had gone. At which point I placed the account in dispute and ceased payments.

 

They ignored the fact it was in dispute and passed it onto DG Solicitors. I ignored all communications and they passed it onto MKDP around 2012/13. I contacted MKDP in July 2013 (letter attached) pointed out it was in dispute with HSBC and again requested my CCA (with a £1 postal order). They provided something of a reconstituted copy, but admitted they couldn't enforce the agreement.

 

Carried on ignoring and it got passed onto Robinson Way. They admitted it was unenforceable and eventually asked for 10%, which I still ignored.

 

Last year I moved back to England with the missus. I received a letter from Walker Love collections via the mail redirection. With most of my personal documents in storage in Scotland still I was thinking it was 5 years and statute barred (as per Scotland) so I put in a standard letter denying the debt.

 

Walker Love have replied with a "Statement of account" showing I made a £1 payment in July 2013. This of course would have been the Postal Order I made at the time for the CCA. To be fair I guess that would count as acknowledging the debt anyway, but sneaky (skullduggery!!) all the same. I haven't made an actual payment since 2010.

 

The account has now been placed on hold till 18th April 2018 to give me chance to respond.

 

A few other points to note;

 

My main current account is still registered to my parents address in Scotland and it is also where I'm registered to vote.

 

I do have a joint account with the new missus and rent a house with her in England.

 

Walker Love do not know I'm in England.

 

The defaulted account has gone from my credit record and my score is quite good considering my past problems.

 

I now work in the Merchant Navy and can be away for four months at a time. It could be the case that I am away when I need to take legal action etc etc. I'm still not a wealthy man and struggle to make ends meet.

 

I'm not sure how the law relates to me, a debt is SB after 6 years in England, but 5 in Scotland. The account was opened in England, but I was resident in Scotland when the issues began. I could probably argue to being resident in either country at the moment.

 

During moving and over the years I have misplaced some of the paperwork, but I do have some key bits. Scans attached.

 

I am worried that Walker Love may try to escalate things with what I believe is the statute barred anniversary date of July 2018 approaching.

 

Your opinions on what to do next please!!!

scans.pdf

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That is a very old template you sent them, the OFT no longer exists.

 

However, no CCA = No pay.

 

Until or unless they come up with the paperwork, then you can safely ignore them.

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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I would imagine English law applies as that's what's normally in the terms and conditions.

I would also say that your trying to get the debt run up by you written off on a technicality ( asking for true copy agreement and then ceasing payments) but if that's the law then that's the law. No cca no pay.

I would also say that you, being in the merchant navy, need to be careful attracting ccjs and the like.

There is a thing called responsible borrowing not just responsible lending.

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Hi,

 

thanks for the reply. You'll note the letter I sent was dated 2013 to a previous holder of the debt. Having read about a bit lately there seems to be some different views as to what counts as being unenforceable, and I was wondering if it had changed?

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I would imagine English law applies as that's what's normally in the terms and conditions.

I would also say that your trying to get the debt run up by you written off on a technicality ( asking for true copy agreement and then ceasing payments) but if that's the law then that's the law. No cca no pay.

I would also say that you, being in the merchant navy, need to be careful attracting ccjs and the like.

There is a thing called responsible borrowing not just responsible lending.

 

I can't deny that I got myself in trouble, that is true, though it was never my intention to be in a position that I was unable to repay. At the time the request for the CCA seemed to be the best course of action. Also, to be fair it (and I'm sure this is an argument that has been heard before) it quickly came out at the time that the thieving banks had blown billions, so i count my conduct as more of a misdemeanor.

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Well you can argue the £1 payment was for the CCA and it won't count towards the Stat Barred status if the account

 

The CCA they have sent is an application form not a credit agreement so is toilet paper

 

I would await and see if they issue proceedings as it should be easily won

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The use of the £1 payment for the CCA DOES NOT reset the limitation period, the payment is the stat fee for the CCA, what they do with it is their business.

 

So how long since the last payment?

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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The use of the £1 payment for the CCA DOES NOT reset the limitation period, the payment is the stat fee for the CCA, what they do with it is their business.

 

So how long since the last payment?

 

Last payment was taken without my permission from my current account by HSBC mid 2010. I presumed the letter i posted requesting my CCA in 2013 would count as an acknowledgement of the debt?

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Last payment was taken without my permission from my current account by HSBC mid 2010. I presumed the letter i posted requesting my CCA in 2013 would count as an acknowledgement of the debt?

 

NO, ONLY a written letter stating you owe the debt is acknowledgement, CCA request doesn't reset/acknowledge the clock/debt.

 

When was the last payment made by YOU?

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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a CCA request does not acknowledge the debt

 

DCA's will try to make you think it does thats why they take the £1 payment off the debt to make it look like you have acknowledged it

 

That is good. The letter from Walker Love accompanied by the Account statement was in response to a statute barred letter I sent them. Would you suggest forwarding them a copy of the attached scanned letter from 2013 and replies from MKDP. Or just leaving it alone till they try to serve me?

 

 

BTW Thanks everyone for the helpful advice!!!!

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Debt is Satute barred

 

I would ignore them and let them try and issue proceedings

 

you don't want to enter into letter tennis, just make sure they have correct address or an address that you can still receive mail from so they don't get a back door CCJ

 

Would be easily won by you

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that's the usual rubbish out of their filing cabinet at hPH2 [hoist/rway/MKDP] that they trot out for a HSBC CCA request.

 

per id do as JOn says in post 8

send them our new SB letter

moved to the HSBC forum.

 

you opened the A/C in England so eng law applies

Edited by Andyorch
Edited

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's the usual rubbish out of their filing cabinet at hPH2 [hoist/rway/MKDP] that they trot out for a HSBC CCA request.

 

per id do as JOn says in post 8

send them our new SB letter

moved to the HSBC forum.

 

you opened the A/C in England so eng law applies

 

Again, thank you all for the advice.

 

There does seem to be some confusion around the England to Scotland issue. The another website seems to think Scots Law applies after 6 months

 

This 2012 post had some info too.

https://www.consumeractiongroup.co.uk/forum/showthread.php?344776-Now-living-in-Scotland-is-the-debt-statute-barred

 

Anyway.... I always avoid the game of letter tennis, but i think I'll put another statute barred letter in, with an addition that the 2013 £1 payment was a statutory payment for a cca request and should not have been used for anything else.

 

I'll probably just leave the ball in their court after, and see if they want to start proceedings etc. I feel that is unlikely to be honest, but you never know.

Edited by dx100uk
removed website
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had to remove that site

they are wrong

 

it was taken out whilst residing in England, English law applies.

 

jut send our SB letter in the debt collection section of the library.

 

don't adapt it

don't sign it

they know full well the £1CCA does not reset anything end 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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