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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MTB v providian now monument


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Hi

 

 

i have just recieved my reply for credit agreement.

 

 

What they have sent is a copy of the reply card with just my husbands signiture on it.

 

 

They have also sent a copy of the T & C,s but reading the reply card it states

" i HAVE READ CONDITION 22 OF THE T & C's"

but on the T & C they sent it only goes up to 15.4.

Could anybody tell me what is the next step please.

 

 

I have not recieved my statements yet but there is plenty of time left for these.

I sent for credit agreements because i have been on a DMP for 3 years and the debt has doubled in that time.

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I am assuming that the DCA is Monument and the original creditor is Barclaycard ? If so, the SAR should really have gone to Barclaycard in order to determine the charges applied to the account before it was passed to Monument.

 

You can still get some info. from your SAR to Monument though.... how much has been applied in charges since the account was transferred to them. Did you send the SAR by rec. delivery ? They have 40 days within which to comply with your request, which means that you now have to wait for them to send you all the data they have on you. The account is in dispute until they supply this information.

 

When you have received this information, you can then work out the unlawful charges that Monument have applied to the account and claim them back.... reducing the amount owing. If the debt has doubled since you first started repaying, it sounds as if these charges could wipe out the amount they claim is still owed by you.

 

If they haven't got a valid CCA, the account should be passed back to Barclaycard anyway.... an Application Form is not a CCA.

 

:)

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Monument isnt a debt collector they are the original lender. Providian was the lender which then changed to Monument.Yes i sent it recorded del.what should i do next.Thanks

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i think what you are saying is you took out a card with providen and then it changed to monument, is this correct? if so you would send your SAR to monument. Monument is actalluy part of Barclays and you will end up dealing with them but under the name Monument.

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Monument isnt a debt collector they are the original lender. Providian was the lender which then changed to Monument.Yes i sent it recorded del.what should i do next.Thanks

 

Wait and see what comes back and go from there...

 

:)

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yes i took the card out with providian now monument.

 

 

Do i send them anything because they have not sent a proper credit agreement or wait till i get my statements.

 

 

I read somewhere that if they dont send proper agreements you have send them a letter saying they are in default

and after another 30 days it is a criminal offence.

 

 

D o i send a letter and if so which one do i send.

 

 

Thanks

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No, don't bother. If those charges exceed the amount that they say you still owe.... then they might owe you. The account is in dispute with a SAR anyway, so they are not allowed to pursue you for payment until they have complied.

 

If there is any debt left outstanding, you can mention the CCA non-compliance then.

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Thanks, i,m glad youre here to help cos i was going to send them a letter saying they were in default. Its confusing when youre reading so many threads.So they cant sell it on to a debt agency at this time or take me to court can they?

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Thanks, i,m glad youre here to help cos i was going to send them a letter saying they were in default. Its confusing when youre reading so many threads.So they cant sell it on to a debt agency at this time or take me to court can they?

 

They are not supposed to do anything while an account is in dispute.... so if you get any aggravation, come back on here for advice.

 

:)

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Hi,

 

Welcome! Not sure what to advise you but will 'bump' your thread to bring it back to the top & hopefully someone will be along with some advice. Good luck.

 

Villafan

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  • 1 month later...

I have not recieved my statements from my sar request and i have sent them a lba letter.

 

They have only sent me a copy of a reply card from my credit agreement request(its the same as Lady H)

and the T& C'S are for Monument not Providian who i originally took the card out with

and on 10 june they will have committed a criminal offence.

 

 

Can anybody tell me what letter to send next regarding the credit agreement please.

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HELP.

 

 

Monument hav'nt replied to my SAR request.

I've sent the LBA letter and the deadline was today 11th.

 

 

They also have committed a criminal offence on the 10th regarding the credit agreement.

 

 

I have sent them a letter today informing them the account is unenforceable at law because they didn't send a proper credit agreement(just a reply card)

and i have stopped all payments on the account,

 

 

but do i take them to court over non compliance on the SAR request or do i wait until they get in touch with me

and deal with it along side the non compliance of the credit agreement.

 

 

Can anybody help please cos i'm unsure what to do now.

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  • 4 weeks later...

Hi just to update.

Monument sent me a reply card instead of a credit agreement, no prescribed terms on it whatsoever.

Failed to reply to SAR request.

I sent them this letter

Dear sir or madam

 

Request for true copy of Credit Agreement under Sections 77/78 of the Consumer Credit Act 1974

 

I wrote to you recently requesting a true, signed copy of any credit agreement that exists in relation to the above account. This is my right under Sections 77 and 78 of the Consumer Credit Act 1974 on payment of the statutory fee of £1.00. This payment was included with my original request.

 

Under the terms of the above Act, a creditor has 12 working days to provide the requested document. Should they fail to do this, they have a further calendar month to rectify this default. Failure to comply within these timescales is a criminal offence.

 

Both of these deadlines have now passed and I have received nothing in relation to my request. This can lead me to only one conclusion, that being that no signed credit agreement exists in relation to this account.

 

As I am sure you are aware, an agreement that does not contain all of the prescribed terms, and/or is not signed by the debtor, is completely unenforceable, even in a court of law. This will be a complete defence to any court action that you may consider taking.

 

On the advice of the Financial Ombudsman, I am now requesting a final decision in this matter from you. Should this decision not meet with my satisfaction, then I will pursue the matter through the Ombudsman. The maximum timescale for you to give a final response to any complaint is 8 weeks. This time runs from the date of my original complaint, in this case that is the request for a true copy of the credit agreement, 19 - April - 2007.

 

Please note, you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with the credit reference agencies. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

There has never been any regulated agreement in relation to this account, and therefore you have never had my consent to process my data. I also do not see how you can state that you have a legitimate interest in processing my data as we have never had any contract that would enable you to do this.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

 

Furthermore, you should remember that a creditor is not permitted to take any action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and therefore the following applies:

You may not demand any payment on this account, nor am I obliged to offer any payment to you.

You may not add any further interest or charges to this account.

You may not pass this account to any third party.

You may not register any information in respect of this account with any of the credit reference agencies.

You may not issue a default notice related to this account.

Be warned, the CCA 1974 is clear that a default can only be issued for breach of a valid, regulated agreement. If there is no agreement, as in this case, then you cannot issue a default as I have not breached any valid, regulated agreement.

 

I look forward to your final decision on this complaint within 21 days. This should include your proposed actions in relation to the lack of a credit agreement.

 

Yours faithfully

 

They have replied by saying that they have full filled their obligations under section 78 of the Act by sending a copy of executed agreement( no APR, terms, their signature or original T&C's), and that the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 make clear that there is no rquirement for the copy to contain the original signature box.In these circumstances, we shall continue to collect the outstanding debt, which remains due to us in accordance with our normal processes,and reject any liability under the Protection From Harrassment Act 1997

 

 

What is the next step Please. Can any body help.

Thanks Alamand

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Sorry for not replying to some of your earlier posts... I was off the CAG for a while following an accident...

 

You need to decide whether you want to acknowledge the debt by going after charges (SAR)... or not acknowledging the debt by them not sending you a CCA and withholding all further payments on the account.

 

If Monument/Providian haven't sent you a CCA.... then they cannot re-enforce the account in court until they can produce it. If there is a considerable amount owing, then just report them to TS/OFT for non-compliance and leave it at that. There is no need for you to make contact... and if they try and pursue the account whilst in default of your request, they can be reported for that as well.

 

They may have fulfilled their obligations by sending you an unsigned copy of an Agreement... but unless it is your Agreement, signed by you and by them and includes terms and conditions, APR, etc.... it cannot be re-enforced in court because their is no properly executed document to re-enforce.

 

:)

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Thanks Priority1

I will report them to TS/OFT.

the reply card has no prescibed terms whatsoever.I only wanted charges back, but they have ignored SAR so because of no credit agreement I will go that route instead.Monument have been a nightmare since we got the card.

Thanks again

Alamand

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Was it anything like this one on my thread, and have they been charging you "payment break" (PPI) as well?

 

i'm right in the middle of a battle with them. I have just entered a default judgement for the charges, but am having a fight with the PPI.

 

they dont stand a chance

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-763464.html

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi Dave,

Yes its similar to yours, but mines with Provident, who Monument took over about a year later.

 

I dont know about PPI cos they havn't replied to my SAR request yet and its way over due,

 

 

but I'm not pushing for that yet cos they have not sent a proper credit agreement.

 

 

I'm just in the middle of writing a letter to TS and OFT and see what happens.

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I'm sure you mean Providian...:) thats who mine was with as well.

 

and yes they do take an age to give you anything

 

the PPI should be on your statements......they tend to take it if you agreed or not!

 

I am claiming it back because I never agreed to it and there is no proof i ever did, no ticks on any box's, Nothing!

 

where are you writing to is it in Crawley?

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Yes I mean Providian.

 

I have been writing to Northampton, but the last letter thay have sent is from Crawley, so I am going to start sending there.

 

They sent the reply card well within the time limit, but not statements.

 

 

I have stopped payments to them from this month, so we will see how they respond now.

 

Priority1 says just report them to authorities, so I'll do that, on non compliance of CCA and SAR.

Thanks

Alamand

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The reply card is not enforceable as an agreement!

it has no prescribed terms or required terms...in fact it sucks

(who designed these things.....)

 

when I get through with mine I'm going for all the interest I've ever paid them!

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Good luck with that.

How far have you got with them. Im at the stage where I'm reporting them to TS, and have stopped payments.

This morning they have finally replied to SAR by sending a sheet with some charges on and returned my £10 cheque saying if I want more information i need to pay £10??????????

I really dont think they know what their doing.

Alamand

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  • 5 weeks later...

Hi everyone.

I've reported Monument to my local trading standards. The person I spoke to seems to agree that the reply card is not an agreement and she has transferred my case to the appropiate trading standards who deal with Monument.

When I hear from them I will let you all know.

Thanks

Alamand

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I'll wait for the news.....

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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  • 6 months later...

Hi just an update

Monument have now started a payment break on this account.

 

I sent them a letter asking for the executed agreement and the payment break agreement I am supposed to have signed.

 

They have just replied by saying they have already sent the executed agreement (reply card received ),

and that they have started the payment break as a goodwill gesture.

 

They say they will contact me in the near future to discuss how I am going to pay this debt off.

 

This is very weird

Alamand

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