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    • 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.
    • 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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Insurance Question


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Friend of mine had a limited company and his van is on finance in the name of the limited company. The V5 is in the name of the company but the insurance is in his personal name.

 

I don't think there is anything wrong there as you can insure (with owners permission) a vehicle that does not belong to you. but - the ltd company is now dissolved, he is still paying the finance.

 

How does he stand legally with regard the V5 being in the name of a dissolved company and the insurance in own name.

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As insurance certificates cover the vehicle with that registration number, and as it is the 'user' rather than the owner who is legally required to arrange insurance, it doesn't matter who owns it providing that the insurance company was fully notified of the situation when the policy was taken out and were happy with it. Were they? Did they know the V5C had the company name on it? Do they know that the company is now dissolved? He should tell them, they may consider it a material fact. Potentially there are complications if the legal owner and the insured aren't the same person and the vehicle is stolen or destroyed and the insurer agrees to pay a total loss. Who is entitled to receive the total loss payment?

 

 

I couldn't tell you exactly what the registered keeper rules say about having the dissolved company on the V5C but surely it needs to be transferred to your friends name?

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Just checked.

The insurer is aware that the van is registered in the company name but not that the company has been dissolved. The finance company are also not aware that the company has been dissolved. The payout on a total loss is an interesting one and not sure who gets it, the registered keeper or the insured.

 

The whole thing is further complicated in that he is going through a divorce that is quite acrimonious so wants as little in his name as possible.

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The insurer is aware that the van is registered in the company name but not that the company has been dissolved. The finance company are also not aware that the company has been dissolved. The payout on a total loss is an interesting one and not sure who gets it, the registered keeper or the insured.

 

Or the finance company (to the extent of the outstanding finance anyway). Is their interest noted on the policy? It would depend if the finance was secured on or linked to the vehicle in some way, or whether it was just a personal loan.

 

If there were a total loss insurers would probably ask for evidence of ownership, particularly the purchase invoice. Who is shown as the purchaser on that? If it's only the now dissolved company then I'm not sure who they would pay. I don't know what the rules are for money owing to a dissolved company.

 

 

Do DVLA permit the registered keeper to be a legal entity that no longer exists? I don't know but it would seem unlikely to be permitted.

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You cannot insure something which you have no financial intrest in.

 

I cannot insure my neighbours car but I can insure myself against a claim I I had an accident in it.

 

 

If the vehicle is in dissolved company's name then it should of been returned to lease company on date of dissolvent.

There is now potentially a minefield on technicality points.

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You cannot insure something which you have no financial intrest in.

 

I cannot insure my neighbours car but I can insure myself against a claim I I had an accident in it.

 

 

If the vehicle is in dissolved company's name then it should of been returned to lease company on date of dissolvent.

There is now potentially a minefield on technicality points.

 

This is what I am concerned about. Its not a lease but full HP with not a lot owing. I have told him to clear the finance and then transfer to his name but the divorce has complicated things.

 

I am trying to help him get his 'house in order' so may have to delve deeper with this.

 

Thanks

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If no debts and the company compulsorily would up them the govt gets the money. The lease co will need to know about this and possibly others as well.. he could end up paying off the HP and still lose the van and wont be able to transfer the assets because he is no longer entitled to make those decisions. The insurer will wnat to know about this as they ahve to assess who owns the vehicle and who is "the insured". The wording of the policy will help him resolve this to some degree

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The company was voluntarily closed as no longer needed to be Ltd, doing same job but as sole trader. The accountant that dissolved the company should have sorted this at the time. There were no debts, other than the van. It was only dissolved last year and closing accounts have not been produced yet as far as I know. I guess he could buy the van from the company for the value of the outstanding finance and clear the loan, or clear the loan and just change the V5 to personal name.

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he should have done that at the time. if the comany is gone the the assets arent the company's to decide what to do with. I suspect that sorting this out propery will cost more than the van itself. He could ask the accountant what they ahve done with the asset and take it from there otherwise the van may belong to HMG or it may belong to finance co or may belong to shareholders (him)

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  • 2 weeks later...

Hi All,

Just an update. As suggested it was complicated due to the finance and V5 being in the name of the limited company. Well all solved now as the van has been repo'ed with about £500 owing. Unfortunately due the Ltd company being dissolved they would not take payment - should have been done prior to dissolve (words with accountant I think). Friend not too fussed as van had over 100k on the clock and was starting to cost money. Also found out that the van had a charge against it due to unpaid parking fines - all in the name of the Ltd Co - hopefully these will now disappear as they are in the name of the company.

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