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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. 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.
    • 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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Received A Letter From Welcome Offering To Give Refund ??


derbypub
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Hi all.

 

Not been on here for quite a while but I am really stumped with this.

 

Between 1995 and 2000 we had 4 loans from Welcome

3 paid off but one we defaulted on

 

because of all the force tactics and extortionate charges for phone calls and letters I just stopped paying,

I know it was wrong but thought " sod them they have had enough from me "

I did make a successful claim for PPI and got paid out, great i thought.

 

Just received a letter from them today stating irrecords show that I am due a further refund as the original offer did not fully put me back in the position I would have been in if I had never bought PPI in the first place.

I have moved recently but it states

 

" we have previously written to you regarding this with a additional offer of compensation which still remains outstanding".

 

Due to the time that has passed we have recalculated our offer to include additional compensatory interest of 8% per annum and I have enclosed a revised acceptance form for you to sign and return to us.

 

Our additional offer of compensation is ££££££££.

 

It states.

 

" Our offer of redress will expire six month from the date of the letter, once signed and dated payment will be made within 15 working days."

 

They are requesting copied proof of identity, bit suspicious of this as it's from WF and could it be a ploy or [problem] for me to recognise the debt I still owe.

 

Has anyone else had this.

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cant after 6yrs..its statute barred

 

so go get that money and enjoy it.

 

send a ctax bill copy. that should do.

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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Thanks for the advice, really appreciated.

 

As stated I still owe them money and I think we all know about the underhand tactics of Welcome Financial services and with this in mind would it be possible they are just after me recognising the account, and if there is compensation due then there is a 99% chance they will offset the compensation against what I owe them.

 

If this does happen my question is :

Does or will this offset payment be classed as recognising the debt and open a can of worms.

 

Forgot to mention but put the dates in wrong, we had the loans 2008 - 2012, haven't got a clue where I got them above dates, still over 6 years though.

Edited by derbypub
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they could offset but it wont reset anything

 

once barred always barred.

 

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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  • 4 weeks later...

Just giving you a update.

 

Sent the forms back on the 7th Oct and had no reply back as yet. Stated on the letter received it could take upto 15 days so assuming this means 3 week.

 

Just thought I would let you know.

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  • 2 months later...
Just giving you a update.

 

Sent the forms back on the 7th Oct and had no reply back as yet. Stated on the letter received it could take upto 15 days so assuming this means 3 week.

 

Just thought I would let you know.

Hello. What was the outcome of your refund ? Did you get it ?

I have received one of these letters today offering a refund. I was surprised as I think they already knocked off the PPI from my original claim from about 8 years ago.

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Sorry for Delay in reply.

 

No nothing and to be honest I don't think I will be seeing any thing, with something like this I would usually copy and keep for future reference but didn't sorry I cant be a bit more helpful.

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why not!!

 

chase m up then...

 

Winston start your OWN THREAD please

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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Not sure who to contact to be honest, can not believe I didn't copy the letter, I am really mad at my self, if Winston puts a copy up on his own thred then I will contact them

Edited by dx100uk
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who you sent the letter back too??

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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Share on other sites

I feel such a idiot saying this but I cant remember. but I don't think the address was Welcome but having said that I am no sure.

 

I know how this sounds but I know, I messed up not getting a copy

 

I think it was something like fcs or somthing

Edited by derbypub
missed a comment
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FSCS but that's welcome anyway as they are acting under their instructions so welcome finance.

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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Share on other sites

FSCS but that's welcome anyway as they are acting under their instructions so welcome finance.

 

Sorry, I do apologise but what does that mean ?

 

was it welcome who contacted me or FSCS and who would I speak to regarding this, I have been looking around the interweb but it looks like WF are no longer trading according to the FSCS.

https://www.fscs.org.uk/what-we-cover/ppi/welcome-finance/

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welcome are still trading yes.

welcome ppi staff operate there and under the fscs rules

sometimes its welcome

sometimes it fscs.

 

ring up welcome and ask whats going on

p'haps they didn't update your address?

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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Share on other sites

Right.

 

Firstly thank you for all your help in this matter.

 

Been in contact with FSCS and they had no record of any letter sent out.

 

Contacted Welcome and they knew about it, what they owed me in underpaid PPI has been offset against what I owed them from over 6 years ago, which apparently states this on the letter so cant argue

 

So if anyone gets a letter saying they owe you more money and you still owe them then don't bother.

Edited by derbypub
missed a comment
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most welcome debts have been sold on and unless the refund is coming from/under the direction of the FSCS they CANNOT offset unless they own the debt

 

if the loan has been sold on...welcome cannot offset unless they buyback the debt.

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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Mmmm, well.

 

Not sure if the loan was sold on or not to be honest and rang FSCS today regarding the letter and they stated they had no records of sending it.

 

Is there a way I could find out if the debt was sold on ?

 

Also I am almost sure it was a secured loan, would this make a difference ?

 

Just to add, we lost our home due to unforeseen circumstances about 6 year ago and the mortgage company sold it for less than half the true value.

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Can't of been sold on

Won't be secured.you no longer own the home it was secured upon

 

Sb in E&W solely means they can't enforce a court judgement..the debt if the OC owns it still exists in their books

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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