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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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      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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Yorkshire bank and the Limitation Act - claiming beyond 6 yrs


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On the basis of the Whistleblower dislcsoures you may want to consider claiming beyond 6 years if your account has been open that long and you have received charges during the pre-6 year period.

 

This is because it seems clear from the BBC programme that the YB operate a highly structured system intended to audit the cost of handling a delinquent account and probably also in order to refine the process with a view to profit.

 

This would mean that the Yorkshire Bank is fully aware of the facts and very likely have been for some time.

 

We believe that the protection which they enjoy from the Limitation Act falls away in these circumstances.

 

Furthermore we believe that on the basis of the BBC disclosures any existing full and final settlement agreement is vitiated.

 

At the end of the day it is a matter for the court to decide or a matter for the YB to offer their simple explanation for what otherwise seems to be a very puzzling set of circumstances.

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Bankfodder, how do I tackle this when my claim has already been submited to the court? I do have further costs on one account going back another 6 years. Do I have to put in another claim? Also very interested in your comment on any full and final settlement agreement being vitiated. Should I be writing to the Yorkshire Bank following the BBCs revelations and if so, what do I say? I would really appreciate any advise you can give me.

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I'm trying to get more than 6 years statements from them, so far They have sent 6 years, so I sent them a letter as follows:

Dear sirs,

Thank you for your statements regarding my request under the data protection act.

It appears however that you have only supplied information from ............

You are reminded that under the Data Protection act 1998 that you are obliged to supply ALL requested data.

If it is the case that you no longer hold data pre 6 years can you please confirm this to me in writing.I will give you a further 14 days to reply to this request.

Failure to do so will result in a complaint to the ICO and the FOS.

I trust this clarifies the position.

 

Yours Faithfully

 

I sent this recorded on tuesday so will have to wait and see what happens

 

(this was done with the help of martin3030)

HFC go get them:-)

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Had they reached the 40 day limit by the time they responded to your 6 yrs statements?

 

If so then complain to the IC immediately. You should not hesitate to do this. The bank has a statutory duty and they have to be reminded of it by firm action.

You should also begin your claim immediately for the charges of which you are aware. You can go on to add the others once they finally comply with their statutory obligations. Whilst you are waiting for them to give you the rest of your statements you should include in your County Court claim, a claim in respect of their breach of their DPA obligations.

 

Don't forget that this is a bank which has made a practice of being hard-nosed with their innocent and vulnerable trusting customers. Now we have seen the BBC Whistleblower CYNthesys disclosures. The disclosures have been presented to MPs and journalists and have been described in the press and the banks has offered no comment.

This is the bank which has attempted to refuse to pay statutory interest to some its customers on the grounds that the customers have misused their accounts when in fact there is evidence to suggest a very different story.

This is the bank which when it finds itself under pressure to comply with its lawful obligations, instead of taking steps to deal with its business properly, come bleating to its customers asking for more time.

 

How the mighty fall - and there may be a long way to go yet.

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@BankFodder

I received the statements after the 40 days for 2 accounts, but as yet have not received any for another account, the 40 days were up on the 31st march.

Should I now send a letter to complain to the IC if so is there a template letter I should use.

HFC go get them:-)

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I don't think we have an IC template but check with a mod.

I'm afraid that I have lost track of what we have and what we don't a long time ago.

It's not hard though.

Just say that on XXdateXX you made a request for disclosure (copy enclosed) under the DPA. Despite your reminders they have only made partial disclosure and have failed to respond to your further requests.

Please will he treat your letter as a formal complaint under the DPA.

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Alternatively there is an online complaint form on the ICO website. The website is a mine of helpful information and well worth a browse.

 

Data Protection Complaints – Information Commissioner’s Office (ICO)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You should update on your own thread davisb so that people can follow where in the process you are :)

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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@sajabu2003 I will update my thread,

This thread is a sticky

Yorkshire bank and the Limitation Act - claiming beyond 6 yrs

 

I wasn't going to use this thread about my claim, all I was asking was should I post what happens about getting the rest of my statements here. As I'm sure others would like to claim more than 6 years and it would be easier for people to find the information needed quicker than having to read evey thread in this forum

HFC go get them:-)

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I appreciate the point you are making davsib, but I'll just stick a link to your thread here and that way, your claim info is all together, and people reading this thread can easily read your progress and look at the limitations issue. I hope you agree that should work.:)

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/64242-davsib-yorkshire-bank.html

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

I am not sure if I am posting in the correct place or if I should start a new thread.

I am currently claiming my last 6 years charges from yorkshire bank and after recent information I decided to start claiming back over 6 years so

I sent another S.A.R request and £10 to yorkshire bank requesting statements from 1992 -2001.

 

Today I have recieved a response saying that the DSA regulations are only in force for the last 6 years and copy statements pre 6 years are at a cost of £5 each. They say to send me the other 113 statements they need a cheque off me for £555

 

Is this right?

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It is absolutely incorrect. This link takes you to Section 7 of the Data Protection Act, so if you take a look you'll see that for yourself. There are no mentions of any time limits at all.

 

Data Protection Act 1998

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Do you think I should respond to this letter quoting the data protection act or just go straight to the information commisioner and make a complaint?

 

I sent the S.A.R request to leeds but this response has come from the branch manager at my local bank

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If the 40 days haven't expired you could write and point out their error and remind them how long they have to comply. You might also take a look at this very useful post and try a different approach, which may just get things moving if the 40 days have finished.

 

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/85275-yb-exceeding-40-days.html

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Hello All

Re claiming pre 6 years. I have claimed up to the 6 years on three accounts and received payment from them back in early 07. Now I am tempted to go back and start again pre 6 years. Is there a leter template for doing this. If not - can I claim when I have already received payment for previous claim. Any help please.

Thanks:confused:

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