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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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cabot old £7k HFC Bank OD - now ruthbridge letter - never had HFC OD


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My husband received a letter from this shower on Friday morning, telling him that he owed over £7k on a current account with HFC Bank.

 

To the very best of his knowledge, he's never had any sort of account with HFC

- is a "prove it" letter in order to start with?

 

We intend telling them that he denies it is his debt, in any case.

 

Thank you all so much. Catherine

 

Just adding to my own post

- I have looked again at the letter from Ruthbridge

- it accompanies one from the lovely Cabot Financial, which is telling my husband that, as they have not come to a mutual agreement with him to repay "his" debt, they are passing it on to Ruthbridge.

 

There is no account number given for this alleged current account with HFC Bank, only a reference number from Ruthbridge.

 

I'm inclined to think that this is a phishing exercise

- he's never had anything from Cabot about anything.

 

Thank you again.

Catherine.

Edited by dx100uk
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Start off by sending them an SAR

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pers i'd be sending the SB letter if hes paid nowt in over 6yrs.

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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They must be phishing,

 

 

I've had a similar letter from Ruthbridge albeit accompanied by an introduction letter to them via Cabot on an alleged debt where the last communication with the original OC was 2003 (no correspondence from anyone else ever until now, with the best will in this would have been stat barred since 2009.

I reside in Dawlish Warren but am not a rabbit.

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well the op needs to send something else sure as eggs is eggs

if he's moved since taking this out and neither the OC nor any DCA have been informed in writing about his new address they'll go for a backdoor CCJ at the last registered one to HFC

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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Re-reading the Ops thread, it's an exact replica (procedure/info) and participants (cabot/ruthbridge).

 

 

My course of action will be my sending the letter back to them (taking a copy of it first) also enlcosing a stat barred letter (template from here)

+ informing them I've retained a proof of postage which 'should' leave Ruthbridge with a clear way forward on how not to proceed.

 

 

What I won't be doing is responding to anything else they may want to send but instead simply send it back 'return to sender'

 

 

Ruthbridge's letter is a little ambiguous (for fca purposes I guess) with terms such as 'to avoid any further action' quite what 'action' they can take once

the star barred letter is sent remains to be seen

I reside in Dawlish Warren but am not a rabbit.

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Good morning again, and thank you for all the replies thus far.

 

We've done an SAR for this and also checked hubby's credit record.

 

Nothing at all on there in respect of HFC Bank, as we suspected.

 

There have been some calls on both our landline and on his mobile from Ruthbridge this past week, but of course, we've not responded - it's all been recordings, in any case, no "real" person.

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Good morning!

 

My husband has been receiving letters from Ruthbridge (on behalf of Cabot) in respect of an alleged HFC Bank debt of over £7000.

We've checked his credit record, no evidence that he's ever done any sort of business with HFC, and he didn't even recognise "HFC Bank" in any case.

 

I suspect strongly that they are fishing for business, as the response to his SAR request was a pile of paperwork from Cabot demanding to know everything about him and wanting him to supply various documents to prove his identity to back this up before they could comply with the SAR.

 

To me, this smacks of "we don't know that you are actually the person we're looking for".

My instinct is to ignore this latest Cabot letter.

We have also written to Ruthbridge telling them to remove my husband's mobile phone number and our private landline number from their records - we didn't give these to them - as we've had a selection of those "recorded" phone calls from them during the late evenings.

 

We also think it's quite funny that, having phoned him and written to him, they then ask for his address and phone number!!!

Have we done the right things so far?

Thank you all very much.

Catherine.

Edited by Andyorch
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Anything showing on his Credit Records with the CRA's? It could be a faulty trace as in any J jones will do so long as they grab the hook.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I'm sure otheres will be along soon with further advice, personally I would ignore them now but log and keep all texts and communications as if he is not the debtor, you might be able to clobber team with GDPR breach and harassment later. Might be worth a Cease and Desist stating all communications are being logged and any further calls/emails txt etc will be construed as Harassment hubby not being the named debtor, and will be reported to appropriate authorities including ICO all others will know more about that tactic.

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 OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Threads merged...please do not start multiple threads on the same issue.

 

Andy

We could do with some help from you.

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as stated before it pointless sending an SAR to a DCA

 

just send our SB letter as advised earlier

that put the DCA in a tight spot wit regard to providing the info required

and the owness is then on them to do the running around to prove otherwise.

 

for want of info..HFC did actually do many standard bank accouts, and would certainly have NEVER let an OD get too £7k..

i will guess if anything this is a current account plus..which was actually a LOAN.

but eitherway its not his ...so tough luck cabot.

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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Thank you dx - I realised a bit late that the SAR was probably not the way forward with this! I don't really want us to get into "letter ping pong", as it really isn't my husband's debt. He's never had any account with HFC. We've checked his credit record - nothing. I think we'll just let them fester for the time being. Many thanks again.

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wont be on his credit record if it was defaulted more than 6yrs ago.

 

pers I would send the letter

ot wanting to get into letter tennis is a bit like shutting the gate after the horse has run down the road.

..you've already done that with the SAR

 

send the SB letter.

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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Morning, dx - should we send an SB letter even if it's not his debt anyway? The wording of the latest missive from both Ruthbridge and Cabot suggests that they actually don't know if they've got the right person - "....we need to confirm that you are the person....." This is definitely not my husband's debt.

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Morning, dx - should we send an SB letter even if it's not his debt anyway? The wording of the latest missive from both Ruthbridge and Cabot suggests that they actually don't know if they've got the right person - "....we need to confirm that you are the person....." This is definitely not my husband's debt.

 

Just ignore them....if they are not sure they wont escalate it further...and definitely not if Ruthbridge are involved ( Ruthbridge are Cabots waste bin for unenforceable debts not qualifying for court claims)

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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all I was thinking was if the letter states I ack no debt etc across the top etc

 

it would put it to bed

as it appears to be troubling the OP>

 

admittance or not.. that makes no odds .. iys statute barred and they'd have to prove otherwise

and when they did, it would prove [or they would have too subsequently prove] who made the payments.

and ofcourse it would not be the OP's OH..

 

but ignoring is just as good

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 fair enough, dx - what I really want to avoid is further stress on my poor hubby - he suffers chronic illness, unfortunately, and idiots like these two are things he could do without. He's happy to leave things be for now - at least the phone calls have stopped!

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just remember that under the new CONC rules

once told the debt is SB, and if they agree [or cant prove otherwise] they must CEASE all comms

 

that was what I was looking at.

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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