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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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BOS RESULT!!!!! but........


kath30
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Hello there i cannot believe this worked but i received an offer yesterday from BOS of £320 as a gesture of good will this is for both accounts as below so no where near enough. The letter is from Richard Aitken who states i should phone 01422 333465 if i need to discuss my concerns.

Basically what i need to know now is do i phone to accept the offer but tell him i will continue to claim for the rest and also ask him about the default being lifted - this was never mentioned in the letter - or should i keep it all in writing and reply stating that the offer was a nice gesture but i will be continuing with my claim and to have my default removed?

Thanks to all for all the help and for this great site i will admit now that i was slightly unnerved about doing this and really never expected a result but never will i doubt you again!!!

 

BOS current account = £520 without interest LBA sent 07/04/06 - defaulted

 

BOS card account = £696 without interest LBA sent 07/04/06

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Keep everything in writing.

 

You asked them to communicate via wrting in your prelim letter and you can't get flustered or say the wrong thing in a carefully thought out letter. Also they will have to respond in writing which will be more useful if you ever needed to refer back to any of their comments.

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I did this letter which others have used with suucess also:

 

"I thank you for your letter dated 05 April 2006, offering to refund £xxx of fees however, I am not wiling to accept this unless you provide me with the information that shows that the bank incurred costs amounting to £xxx.

 

However, as a gesture of goodwill I would be willing accept £xxx and therefore I will not seek to claim the 8% Apr and costs that I will add to the claim if it is to progress to a court hearing.

 

You have 14 days to respond and if I have not heard anything within this time period I will commence court proceedings without further notice."

 

You will obviously need to alter it for yourself and to include the request about the default.

 

Keep us posted x

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Sorry back again but the offer of £320 was for both accounts not each so when i send my letter refusing the offer do i split the money and still send 2 letters as both the amounts total to £1216 - feel a bit nervous about asking for that amount looks rather daunting in black and white! Plus i live in scotland so cannot claim more than £750

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kath you can only claim £750 at a time that doesnt mean you can only claim for £750 in total put 1 claim in for £750 then 1 in for the balance,

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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kath,

i recently recieved a similar letter offering me £100. i phoned the number letting them know i would not be accepting there offer but would be continuing my claim, they uped the offer on the phone to £300! it is certainly worth phoning them to see how you get on. Its quicker and if you still dont get the result you want then you can write the letter.

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If you don't mind a bit of advice from someone who litigates a lot, try this:

 

Dear Sirs,

 

thank you for your letter of xxxxxxx.

 

I note all that you say. I do not accept your offer.

 

Yours faithfully.

 

XXXXXX

 

I've found over time that it says exactly what it means and leaves little room for debate.

 

Good luck.

 

By the way, you should never, ever, either phone them or let them phone you to discuss this sort of thing. There is zero chance that the person in the call centre has the authority to refund the sort of cash you're looking for. ALWAYS keep it in writing.

  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 2 weeks later...

Hi again i have sent back the LBA and they have until Monday 8th to reply but i doubt very much if they will so next question is as i have a cardcash account and a current account with them i have kept both claims separate due to it amounting to over £1200 when i progress to small claims do i just do it for one account first until i get a result then move to the next or can i input 2 separate claims at the same time but pay the £39 each for them? Hope that makes sense!

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Do then one after the other, otherwise they might just turn up and get the sheriff to lump them together, which will take you out of small claims.

  • Haha 1
  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Don't be scared. Just fill in the forms and send them off. Nothing bad will happen to you, I promise.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 3 weeks later...

hi there i have 2 accounts with BOS and on each of the accounts the accounts the amounts are approx 650 can i raise the small claims for each of them at the same time as they are different account numbers or would i be best to try the first on then once resolved move to the next?

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As far as I can make out it's best to do them at different times. If bank contacted court they could ask for both to be dealt with at same time. Seems unlikely that bank will go to court but if they do and it's not small claims you could be liable to pay them expenses etc...

 

I've filed my halifax 1st and will wait for money before filing halifax visa or bank of scotland claims just in case. Better to be safe than sorry!

Halifax: £478 (+ interest & cost) reimbursed

 

Halifax Visa: £370 - 1/2 back so far

 

Bank of Scotland: £802 (+ interest & costs) court ordered to pay (BoS failed to respond)

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Hi Kath, ghood luck with your claim, I'm having problems with them and have been at the DPA stage since I requested statements on the 6th April. I have given them until today before I go to the Info commisioner. To be honest I dont think they can find my account:lol: as it seems to flumux them when I call. I did have problems with them a few years ago, so the account is well documented, however I binned all the statements back then:cool:

I had a result with Cap One and it went to small claims, but they gave in when the summons was sent, stay positive!!

06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

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  • 1 month later...

well i have a confession i haven't been on here for a while plus i have not raised my claim through courts with BOS cause i am too scared - pathetic i know i am just freaking out that i could be the one they take to court and to be honest i don't know enough about all the court stuff to go that far so i have stuck here. Kicking myself cause this could have been all sorted by now if only i had a backbone! Really if i am honest its the whole going and handing the form into the court thing that bothers me and i don't think you can do it online in Scotland can you?

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Kath,

 

breathe slowly and spend some time looking through other threads, there's plenty of other people in the same boat. Several people in Scotland also and they seem to have had success! I've read lots of threads that have gone through the Sherriffs and they themselves are pretty approachable. If in doubt - ASK!! The only stupid question is the one that doesn't get asked!!:wink:

 

Green ON!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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thanks for that i have just completed my court sheet and have decided to do it tomorrow finish work at 2.30 so will definately get it done tomorrow and wait for the result hopefully a big plus in my bank account!

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Well done you!

 

Remember, the first step is always the hardest, after that gravity and nature take over!

 

Keep the faith Kath!!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Would it be an idea to send them a final letter but just give them seven days (as there has been a break in communication) just so for the courts sake everything was consistent? It's been a while since you sent your LBA so perhaps send another and then file?

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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