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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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1st [nationwide], 2nd Picture/Webb mortgage, negative equity, what next?


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I am on a tracker and my agreement says (should have read the small print first) that any changes in the base rate will be taking effect from the 1st of the following month.

So rate should come down from 1st of September and my next payment end of September should be lower.

If not I will start to kick up a fuss.

Mind you, they still haven't send me a letter to this effect but I can tell by my next payment anyway.

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When I had a mortgage and the interest rate was dropping like a lead balloon, HSBC kept me informed pretty soon after the interest rate drop notice. It is the only good thing I would say about HSBC.

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I phoned NatWest again asking when I would be informed about my new payment, considering the next mortgage payment is due out in two weeks time.

The advisor said they haven't actually changed the payment amount yet in the system as far as he could see, but I should get a letter 'soon'.

Well, we'll wait and see. He said they have to send so many letters out , that's why there could be a delay. If they take the same amount again at the end of the month, then they just 'hadn't got around to changing it' and I would get a refund once that had been processed.

Funny how prolonged and dragged out such things can be when it is in the customer's favour and how quick and efficient they can be when it is the other way around

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  • 3 months later...

Had new letter from Idem saying my repayment agreement for the arrears has come to an end and I should call them.

 

 

I sent them a letter stating I won't discuss anything over the phone and everything has to be done in writing only, so they sent me an I&E form, which i completed and returned.

 

They then sent me another letter saying they received the I&E form and I should call them. :-D

 

I sent them a letter back stating yet again I won't deal with them over the phone and asked them why they just don't put in their letter what it is they want rather than send a letter asking me to call them, when they very well know I won't.

 

It's a bit like dealing with a bunch of imbeciles.

 

I haven't heard from them since.

 

I wonder why they keep sending me letters asking me to call them when they should know by now I won't ?

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pers i'd have stopped pointless letter tennis a long time ago

 

 

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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that means all comms...

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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So should I stop responding to them ?

I am making full monthly contractual payments plus some extra every month (as per I&E forms) to kill the arrears which have now come down to just over 2K

I have completed a new I&E form and am making these payments monthly without fail.

 

When they keep sending me their letters asking me to call them within xxx amount of days, should I not respond at all now and just keep on paying ?

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  • 3 weeks later...

Had another letter today asking me to call them :-x

Also stated their records show they have been unable to contact me.....

You just couldn't make it up.

I have now re-sealed the letter and sent it back as junk mail (return to sender) as I warned them I would do should they not stop sending me this junk.

 

But I am at a loss how else I can tell them that I won't be calling them and they have to put in writing whatever it is they want from me, nothing seems to get through to them !

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  • 2 weeks later...

Ok, had a couple of letters today from my friends at Idem.

 

First one acknowledged my request for SAR but said as it is a joint debt with someone else (my ex)

they will only provide redacted information unless I provide them with written consent from the other joint account holder. That's probably an accurate request.

I won't get consent from my ex as we don't talk and he lives elsewhere

(not contributing to this debt at all),

so redacted information will have to suffice I suppose.

 

 

Will see what they send.

I am mainly interested in charges and fees levied.

 

They have also responded to my letter of complaint and even partly upheld it.

They say they will pop a cheque in the post for some compensation for the inconvenience they have caused. Fair enough. Will see when the cheque comes in.

 

 

They say they should have put into their letters what it is they need to know from me rather than just sending letters asking me to call them.

 

 

They have now made a note that everything is done in writing only.

Let's see what happens going forward.

 

Have noticed that the arrears figure they quoted has jumped from just over 2K to just under 3K, a difference of about £600.- since December

 

Obviously I will query this.

 

The two things they say they wanted to know with regards to my I&E are two things:

- I have put down a secured loan for £xxx and they want to know what that is and whether that loan is up to date.

 

Amusingly enough they somehow failed to notice that that is their own bl***dy payment and loan.

It is the exact amount I am paying them and there is no other secured loan mentioned on my I&E ?!

 

- second query is the housekeeping costs I put down as £xxx and they thought it wasn't enough for an adult with two kids.

 

Well, if I put that any higher I have to reduce the arrears payment to them, but as I have been paying this exact amount for approx three years now I can obviously afford it.

 

My latest I&E is not significantly different from the one I did before , and they didn't have these questions at that time.

 

I think they are just making this up. They can't be serious !!!

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  • 2 weeks later...
  • 4 weeks later...

Got SAR documents now. Quite interesting as they claim a lot of information they hold does not fall within the ambit of the Data Protection Act, stating it is not kept on relevant filing systems. (?)

They also refused to provide details about commissions paid to (or received from) introducers or money received from an insurer as that is not personal data.

They have included some screenshots , the original agreement, copies of my letters and e-mails to them (even photocopies of the envelopes I sent my letters in !) :wink: plus copies of their letters to me. Plus an account statement which only goes up to the beginning of January.

They sent it a few days ago and is dated March, so about 2.5 months are missing on the statement.

 

There are no fees or charges on that statement apart from a fee from last year for a letter they sent, but that has since been re-credited.

If they have got a separate account just for the fees and charges I assume they would have had to include that in the SAR documents ?

 

Also the statement does not give an up to date arrears balance. There is no mention of that, confusingly enough the correspondence that was included gives a wide variety of arrears figures. The best one for me would be the one shown in correspondence from last year which is just over 2K. But some letters show it at over 3K and some somewhere in the middle.

 

So the SAR raised more questions than what it answered.

 

 

An interesting point is that they have only recently started to charge interest on the arrears balance, they didn't for a long time but have only started doing this according to the statement.

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  • 2 weeks later...

I still haven't got an up to date arrears balance from Idem.

That information was not included in the SAR,

 

I have requested it several times but all they sent me now is account statements with no indication what the arrears are.

 

I am now in the process of negotiating a financial settlement with my ex husband and my solicitor needs an arrears balance, but IDEM won't send me the required information.

 

I have requested a credit report from Experian and Callcredit and on one of them I can see a delinquent balance against the IDEM loan which is higher than the outstanding balance.

 

I assume if I deduct one from the other the difference should be the actual arrears which IDEM is recording ?

 

I am at a loss how to get them to comply with my request for an updated arrears statement.

They didn't even include it in the SAR paperwork.

Any ideas ?

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Ok, received an allegedly up to date arrears statement in the post today.

 

Dated 22.03, amount in arrears £3368.-, I compared this with an arrears notification from November and December last year:

 

November 28th 2016, arrears figure £2806, December 6th 2016 arrears figure £2226, March 22nd 2017 arrears figure £3368.-

 

WTF :-x

 

I feel another letter to their customer service department coming along....

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  • 1 year later...

I hope someone here can give me some advice.

 

I am divorced, living in the marital home which has a joint mortgage and a joint secured loan.

 

My ex husband is living with his new girlfriend in her house and is making 0 contributions to either the mortgage or secured loan.

I am currently paying the £1200 per month on my own.

 

As I am the one living in the house with my son, my ex knows the mortgage company and secured loan company will lean on me rather than on him to make payments.

 

I have been going on for 5 years like this with no contribution from him.

 

My ongoing problem is I can't get him off the joint mortgage , (I can't remortgage on my own, due new mortgage lending criteria they say I can't afford it, although I have been paying it for 5 years on my own)

 

Every 2 years when the current mortgage deal expires I have a problem getting a new deal sorted out as my ex is obnoxious and won't fully cooperate.

 

He now says he won't agree to any new deal to force me on to the standard variable rate which could potentially mean I won't be able to meet the repayments anymore.

 

So although he no longer lives at the property and makes no financial contribution towards it, he seems to hold all the cards to potentially make me loose the house, is there anything I can do ?

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What was agreed in your divorce settlement with regards to joint debts...Matrimonial home ?

 

 

Andy

We could do with some help from you.

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What was agreed in your divorce settlement with regards to joint debts...Matrimonial home ?

 

 

Andy

 

That is still rumbling on after 5 years. We couldn't agree on the terms of a financial settlement so it has now gone to court. I can't afford legal representation so represent myself, he has got a solicitor.

I have asked for the legal title of the home to be transferred into my name (I already own 100% of the beneficial interest due to his previous bankruptcy during the marriage), a pension share and that he contributes equally to the secured loan until it is paid off. He is contesting it all, so it is at court now.

As part of all of this I have been asked to try and get him off the mortgage, which Nat West is refusing due to my circumstances....

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Divorce and financial settlement are two separate issues.

He bankrupted himself previously so I bought him out during the marriage. Hence he has no beneficial interest left.

There are also children involved. I still live in the house with our son.

Due to mortgage & secured loan there is hardly any equity.

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Divorce and financial settlement are two separate issues.

He bankrupted himself previously so I bought him out during the marriage. Hence he has no beneficial interest left.

There are also children involved. I still live in the house with our son.

Due to mortgage & secured loan there is hardly any equity.

 

No there is not...thats why you are in this dilemma now because your settlement should have been sorted way before the nisi was granted.

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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