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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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Please advise, debt collectors


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Here it goes, back in 2001 my hubby had debt with credit cards, payments was always made ontime, before he went abroad intended for few weeks which turned into a few years instead. He has since returned to the UK 2 yrs ago and untill recently the credit card company in which he was in debt with have sent a letter advising that the account has now been assigned to a DC, within a week the DC company sent a letter stating the above and the following week a letter saying they now intend to take legal proceeding and a final opportunity to make contact.

 

Thanks to this site, CAB (citizen advise bureau) & National debtline, i am more knowledgable of the process,initially when i saw the letter i panicked and was going to maje a phone call to them but luckily i didnt. Anyway since the debt has been such a long time, i have been advised that our case may be statute barred, is it best to send a letter to the DC regarding this and leave the ball in their court to find evidence and we can go from there, if they do have evidence then we can negotiate the repayment? is this how it works or since we are actually willing to make these repayments, shall i just go ahead and send a CCA to find out what how he actually owed this. Would much appreciate your advise on this

 

one more cliche is my hubby doesnt really remember if its just one card he owes or a few,at this stage we have only received the one DC letter.

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I would think a CCA request would be your best way forward. Do not aknowledge any debt exists and do not contact the DCA by phone. If it is from when you say and there has been no payments/contact to the company from your husband then the debt is more than likley statute barred as as such un-enforceable.

 

Regards

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Hi Jess

 

Glad you've found this site - you'll get loads of help and support here.

 

Yes, I'd send a letter saying the debt is Statute Barred. Letter M here is a good template if you need one:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

Remember to send it recorded delivery - and make sure your husband does not sign with his regular signature. Then wait to see what they come back to him with. It's up to them to prove that he owes this money and that it is not statute barred.

 

And - never, ever call them!

 

Keep us posted.

 

HC

  • Haha 1

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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2 threads merged. Please keep to one thread per subject please :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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So, in summary. Your husband owes money, went abroad, didn't pay his debts and now wants even more time to pay off what should have been paid years ago.

 

Instead of trying to get out of paying, (debt avoidence), PAY THE DEBT OFF. Do not listen to those who suggest debt avoidence. Do the right thing.

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My hubby had left the country during november/december of 2001, cant remember the exact date, so i guess currently he would be on the border line of being statute barred? how long should i leave it untill i respond to the DCA since the last letter received was dated 27nov. I just wanted to make sure ive researched enough info before responding, shall i send them letter letter A first

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Jess

 

The important thing is the last time he acknowledged the debt in writing or made a payment before he left. It does look like he's borderline - is there any way he can check this?

 

I would not send letter A. My feeling would be to try for the Statute Barred anyway, as it is within the timescale, and make them come back to you with proof that it is not Statute Barred. Remember - the onus is on them to prove it is not, not for him to prove it is.

 

Anyway, I'd try that first and see what they say.

 

Keep us posted.

 

HC

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Hi Hippy Chick, you're still up..guess its a friday night, thanks for the advise, he did continue paying 1 or 2 instalments when he was abroad, so its such a difficult decision to make simply because he really cant remember. we shouldnt really prolong this matter right ?

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Up to you jess. Your call. If you don't think it is stat barred, and not worth going that route - that's up to you.

 

In that case, given that it has been assigned to a DCA, you need to check that they have the authority to collect the debt. It might seem obvious that they do, but all too often they do not. So, in that case send them letter N from my link above. Basically, they have to prove to your husband within a timescale that they have the supporting paperwork to enforce the debt. If they cannot produce this within 12 + 2 days the debt is unenforceable - so it still exists, but he is under no legal obligation to pay.

 

Once you decide what to do, let us know. Remember, this is your choice. Whatever you decide we'll be here to advise and support you. Just keep us posted.

 

And - I'm usually up late at night here.

 

:)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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you can send a CCA request just make sure you add the line stating you do not ack any debt to the dca. that will not affect the statute barring time scale.

 

infact it will prob guarantee that it will be barred by the time they bother to try and get the agreement [which ofcourse they cant anyhow]

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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you can send a CCA request just make sure you add the line stating you do not ack any debt to the dca. that will not affect the statute barring time scale.

 

infact it will prob guarantee that it will be barred by the time they bother to try and get the agreement [which ofcourse they cant anyhow]

 

dx100uk

 

ops dup post sri

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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Yes, dx - I was thinking that as well - good point.

 

Jess - at the top of the letter put, in big letters:

 

I do not acknowledge any debt to your company

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Hi DX

 

"infact it will prob guarantee that it will be barred by the time they bother to try and get the agreement [which ofcourse they cant anyhow"

 

So if i was to Send a CCA first and wait for their response followed by a statute barred letter, this may well be barred by the time they do try to get the agreement but wouldnt it take affect from the first inital letter in mid Nov which they had sent. anyways i will keep you posted, got to sleep and stop stressing about it,take care and sweet dreamsx

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to be honest it matters not [as such] if it is statue barred or not, if they cannot produce the correct paperwork, they're stuffed. game over.

however, you are in the additionally pleasing situation that even if they do produce, then its past its date anyhow. i cannot see anyway you will ever have to pay anything.

 

and to further put your mind at rest, it matters not 'when' they sent you letters, they, not you, have to prove its your debt, [because you are denying it - aren't you!-thats why its always important to never acknowledge it in letters and write every letter with a bold deinal] until they prove it, the clock is still ticking in your favour.

 

dx100uk

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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No Jess - the clock does not start from when they get in touch with you. It's when your husband acknowleged the dept last that is the important thing.

 

So - you can CCA them without starting the clock ticking again.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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As he went abroad, the DCA may have a case to get a Judge to extend the Limitation period. Odds on they do not know where he has been. Play safe though by sending CCA instead (do not provide any data to help them as some do ask for ID/last 3 years addresses after a CCA request).

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Well - I guess as long as the DCA do not know he's been away?

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Make sure it goes off by rec. delivery... and keep the receipt. Do not forget to include the words I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY at the top as previously said, enclose a Postal Order for the £1 fee (not a chq.) and do not sign the CCA request... just print a "signature" at the bottom.

 

Chances are that this one is already statute-barred, but if not... it should be pretty close to it.

 

Which DCA is it ?

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It's 1st credit, i will make sure i include the I do not acknowledge any debt to your company, hopefully by the time they respond it will be after christmas, since last christmas postal date is 20Dec...at least i can enjoy my christmas

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