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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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Can I hold a Director personally liable for fraud?


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https://www.consumeractiongroup.co.uk/forum/showthread.php?296513-296513&p=3317951#post3317951

 

Hi

I understand that a new bribery law came into effect last week and I wonder if it will apply to those payments received by landlords or associated parties in respect of the buildings insurance .Although the 'b' word is not used in this connection as preferring a selection from ''commission,contingent commission ,bonus ,discount ,referral fee etc.'' one can't help but detect a similarity.

Also as this culture of payments to landlords is admitted for the insurance one should ask whether the same applies to managing agents.Whilst not applicable to Forcelux as they are effectively their own managing agent the question needs to be asked for Regis/Countrywide and Westleigh/Gateway. This might account for the difference in fees charged by Forcelux/EFS [ apprx £125 per unit /yr] and the other two [approx £200 per unit /yr].

legrun

 

I am just considering this and contemplating taking court action against unregulated property manger who took a secret commission

Edited by dx100uk
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I am just considering this and contemplating taking court action against unregulated property manger who took a secret commission

 

the thread you have posted to is over six years old. I suggest that you start a new thread of your own, tell us your story and tell us what kind of help we can give you.

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Hi All,

 

This is my first time posting on this site so my apologies firstly if I am not posting in the right part of the forum.

 

Background

 

A secret commission was taken and redirected to another bank account where there was no paperwork.

 

Charged me an additional item in the contract where there is no obligation to pay it.

Changed scope of insurance where it was not like for like and left a risk off I am now not covered for however I was previously.

 

Challenged property manager about all this and find they are not who they say they are....not FCA approved to sell insurance, not a RICS member and they do not belong to a property redress scheme, not registered as ICO Data Controllers etc...

 

So can I sue the Director personally for recovery of secret commission plus interest and rescind contracts with property mana:mad2:ger and broker who between them took the secret commission?

 

All help and guidance appreciated. It is not great sums of money however I am very angry and I cant stand dishonesty.

 

Many thanks for reading.

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Yes you can, but the court will set a very high bar in terms of the quality of evidence

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Thank you Bankfodder, I have a lot of evidence and all the companies I have contacted have confirmed things in writing to me.

I have not sued a person or company before so I am not sure how to do this?

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Thread moved to General Legal Issues Forum.

 

 

Regards

 

Andy

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Well you have just posted here..in General Legal Issues ? :-)

We could do with some help from you.

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DOH! Thank you Andy......

So it would seem I can sue a Director or Company secretary on the grounds of fraud.....I have contacted the police who stated they do not have the resources so I am now going to file a letter of complaint to the IPCC as this is a fraud case with an insurance broker. Doe anyone have experience of any case law or experience of taking any insurance brokers to court?

 

Thanks for your help.

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I'm not sure of the right answer here in terms of suing people, but you say in your first post it's not huge sums of money in question.

 

Maybe the starting point should be https://www.fca.org.uk/consumers/report-[problem]-unauthorised-firm reporting them to the FCA.

 

On their website the FCA suggest if you lost money you should report to Action Fraud too.

 

Just a thought.

 

EDIT: the link doesn't work because the word s cam is part of the address, however if you go on the FCA website and click the 'consumers' tab there is a button to click to report a s cam which takes you to the same page.

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Thanks for your response SuperVillian...I have submitted a complaint to the FCO and FCA and they are now investigating the Broker....I am going for Bribery Act, Fraud Act and Misrepresentation Act....I have also asked for rescission of contracts and damages.

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  • 2 weeks later...

Hi All,

 

I wonder if you could help me with some legal guidance or sign post me to the best place to get help with a company secretary of an unregulated property manager who took a secret insurance bribe which I flagged up with the Directors of the property and are doing nothing about it....

 

I contacted the FCA as this company secretary should not be negotiating insurance deals as not FCS approved, the more I look in to his alleged qualifications, he does not stack up.

 

The Directors have also charged for other stuff I am not legally obligated to pay for yet try to insist I pay and now it has become a dispute where they have made false unfounded allegations about me which are not true just before I have demanded a meeting to be held to challenge them....its harassment however now what can I do as they are clearly trying to put me in a bad light because I am challenging them?

 

Could go to FTT and wonder if I have enough to get a manager appointed...does anyone have experience of going this route?

 

Thank you for your help.

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Is this the same situation you asked about here?

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?487634-Can-I-hold-a-Director-personally-liable-for-fraud&p=5124631#post5124631

 

What did the various regulators you referred it to say?

 

Is this a dispute between you and the managing agent about service charges for a leasehold property you own?

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Hi Ethel Street,

 

I contacted the Financial Ombudsman and they have only just started to investigate the matter so it will take months with no certainty of outcome...as can be law unto themselves!

 

 

I have challenged everything now as I have realised that I have been charged stuff I am not obligated to pay and discovered that the two Directors running the show are not paying their monies for some stuff so they are in breach of their leases.

 

 

Now one Director is making false allegation about me and its getting nasty

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But is this connected to the above thread ?

We could do with some help from you.

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Threads merged...please keep to one thread per same issue.

 

Im not familiar with false allegations template ?

 

 

Andy

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What, exactly, did the director of the company do that you reckon to be fraudulent?

 

Not much point complaining to the ICO as this is not a data protection issue. Not much point complaining to the FOS or the FCA unless the defendant is a regulated financial services company. Not much point complaining to the police over a private dispute. Your regulator is the county court by bringing a small claim.

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Thanks....

I have explored all avenues...

 

.FOS have accepted a complaint and done nothing yet!

 

I complained to the Ombudsman

-the property manager is unregulated and misrepresented himself as RICS and also not a RICS member...

.the Director took a secret commission bribe and hid this and put it through a secret bank account where there was no paperwork.

 

Also he obtained an insurance policy and included stuff which I am not obligated to pay for and because it was based on fraud

 

the contact has been based on unfair terms and is not enforceable as such.....

 

I have complained about broker as well to FOS and OFT..

.I would need to sue the Director and hold him personally liable but need to pierce the corporate veil...

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.the Director took a secret commission bribe and hid this and put it through a secret bank account where there was no paperwork

 

have you written proof??

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 Director took a secret commission bribe and hid this and put it through a secret bank account where there was no paperwork

 

have you written proof??

 

Yes because I challenged him and he firstly said the monies would be for claims handling

however when I checked him out because he did not stack up,

 

I found he was misrepresenting himself as RICs,

not registered with any complaints redress scheme,

not registered with FCA which you need to be

 

I went back to the broker and stated that under FSA rules if an insurance company is asked to disclose what commissions have been taken then they need to declare this so they told me.

 

I have this in writing so I took this to FOS however how to get redress against a Director as they are hiding behind corporate veil.

 

I even went to the Police and Trading standards they said its is a civil matter

so how do I take a limited company to court?

I think it is a criminal matter.

Edited by dx100uk
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May I ask what outcome you are seeking here please - are you looking to have the director punished or are you seeking a refund of money you paid? That will help people suggest the best way to take this forward.

 

Am I correct to think that the property manager arranged insurance for your property, and got paid a commission by the insurance company. And that you think the insurance is more expensive than it would have otherwise been. Is that was your complaint is fundamentally about?

 

By the way, the OFT ceased to exist in 2014.

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Yes the broker confirmed the proof and I have it in writing

 

Thanks steam powered.

 

I want the recovery of the monies and rescission of all contracts as the contracts have been based on fraud.

 

Contract with property manager and broker.

Edited by dx100uk
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There really isn't enough information here about what's going on to answer the question you ask in the thread title.

 

I also think this is about the insurance policy that the managing agent has arranged for leasehold flats(?),

one of which is owned leasehold by Starstuff26 but this is still to be confirmed.

 

You say that you want recovery of monies and recession of insurance contracts.

I don't know whether that's achievable but even if it were why would you want to leave the flats uninsured?

 

And why do you want to hold the director personally liable for it?

If the company (managing agent?) has done something wrong surely your remedy is to sue the company?

 

And you want to sue the insurance broker as well but I'm not clear who they are or how they are related to the property manager and managing agent.

Are they an independent company?

Are they FCA registered?

Did they arrange the insurance contract?

 

I would wait until you have had a formal response from the FCA and FOS before doing anything more.

 

When you say "Yes the broker confirmed the proof and I have it in writing" but surely the broker didn't write to you and say "yes we paid the director a secret commission bribe and hid this and put it through a secret bank account where there was no paperwork"?

 

Didn't they just write and tell you the cash amount of commission paid and who they paid it to?

 

It's your interpretation that it's a bribe etc isn't it, not what they've said?

Edited by dx100uk
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