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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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M1PLG v Lloyds cc


Tonka99
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Hello T99!

 

They went quiet here for a few Days, I thought the Harassment Letters and Information Commissioners Office Complaint may've had the desired effect.

 

Nope, they were soon back on form again, but it gives me another nice set of Harassment Call Logs and Messages to add to the growing Pile. Just need a few more Calls and I'll have over 300 that I'm fairly sure were made by the Chester Jesters.

 

Hang on in there!

 

Cheers,

BRW

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Hello BRW

how are you doing ?

 

Things seem to be hotting up here with lloyds, they have sent two

letters today from the same Solicitors both saying the same thing

but about differant accounts, now hubby has a unsecured loan that

we are currantly unable to pay , we also have a joint personal acc

which this week have had £430.00 of charges added :eek: we do not

stand a chance in h*** of getting that back in order , they have

Defulted us three times on the loan , and twice on the unuthorized

joint acc .

I have sent cca and SAR to them they are about half way at the

moment , because we have my c/c oh c/c loan and joint acc they

may decide to play dirty:eek:

any thoughts

 

may thanks T99

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May i just add and pt mentioned it that the agreement that you have scanned is not executed according to section 61 of the 1974 CCA

 

61

.—(1) A regulated agreement is not properly executed unless

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner,

 

This is key to unenforcability of the document in my honest opinion.

 

 

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Hello Adamski

 

Thanks for the reply icon14.gif

what do you think should be my next move do i tell them

its not properly executed and put the account in dispute ?

because they are circling around me now im getting a bit

nervous and am just not sure what im doing:confused:

 

Regards T99

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Hello T99!

 

tell them its not properly executed and put the account in dispute

 

Dispute everything that you can. If it is not correct, then Dispute it. Likewise, if they take a Week to Write, you take a Week to Reply. You must create as much thinking time as you can. Time when you can also keep earning, that is vital.

 

The best thing is to focus on these being individual alleged Agreements.

 

The fact that many may be with the same bankers is best ignored. It's not one bank with four alleged Debts. It's four alleged Debts (use different Colours if it helps: Lloyds, Lloyds, Lloyds, Lloyds)!

 

Keep Files for each, and write to them as if they were different banks.

 

Try to forget if any are with the same bank, or you could lose focus and strength, and then the whole flood will wash over you, making you miss the fact that some/all of them had flaws you can fight.

 

Fight each alleged Debt on its own.

 

Discuss each alleged Debt on its own.

 

Refuse to let them group the alleged Debts, and make them re-draft any Letters to you if they mention more than one alleged Debt.

 

Be pedantic.

 

If they write to discuss alleged Debt A and also mention alleged Debt B. Write back discussing alleged Debt A, and tell them alleged Debt B has no relevance.

 

And Vice Versa if they write about alleged Debt B and also mention alleged Debt A. Write back discussing alleged Debt B, and tell them alleged Debt A has no relevance.

 

If you don't, they will try to merge the issues, and will try to paint you in bad light to paper over their own weaknesses.

 

Keep Paying any Secured Debts, as they are key.

 

Perhaps also consider a Parachute Account with, say, the Co-op or similar. If your existing bankers are taking the micky, then seek a way to funnel funds into a place where you can maintain control, and then aim to run home/business Cash Flow from there.

 

But keep on top, look at each one on its own. I find keeping them in different Files useful. Put one away before getting another one out, and avoid getting them all out on the Table at the same time!

 

I do hope this helps. Mainly fighting talk rather than a Legal answer, I regret. But it may yet help you to manage these issues by breaking them down into bite sized chunks rather than let them build into one bigger banking feast!

 

Cheers,

BRW

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Hello BRW

 

again to the rescue:razz:

 

As you say keep all accounts seperate so if they decide to

take us to court:eek: will it be one case pre account :idea:

We are in the process of opening an account with A/L

as we have two business accounts one joint acc one

business loan & one personal loan and oh has his own

account .

our business accounts have no overdrafts and the business

loan is being paid monthly , that was a loan put together

by lloyds to pay back overdraft and charges from our 1st

 

business in Devon . It is unfortunate that business reclaims

can not be sorted im not sure if that means never can or

what have not gone it to that as i feel i have enough on my

plate at the moment.

I think i will write to them and say that they have failed to respond

properly to my cca and hope to put the account into dispute,

that is what i have done to BC and Cap 1 .

 

what about the Solicitors do i send them a copy as well .

 

BRW I do realise you are not yet a legal eagle :D however

we do seem to be in the same s***

and it is nice to have you as back up when things get me

down , was up till 4.15 this morning doing accounts VAT

ect so im shattered :rolleyes:

very many thanks

 

cheers T99

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Hi Tonka,

 

I've been keeping up with your various threads but you seem to be coping.

 

Just shout if you get stuck - I see BRW is keeping you company. :)

 

It is unfortunate that business reclaims

can not be sorted im not sure if that means never can or

what have not gone it to that as i feel i have enough on my

plate at the moment.

 

At the moment, the opinion is that business claims are not currently viable although we are keeping this under review. We have yet to see if the OFT or the banks lodge appeals against the initial judgement.

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Hi Slick

 

Great to hear from you will be back over your side over the weekend

as things are hotting up there as well im having a suit of Armour made

out of my horsebox looks like i will be needing it soon enough .

take care

regards T99

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Hello T99!

 

our business accounts have no overdrafts and the business

loan is being paid monthly , that was a loan put together

by lloyds to pay back overdraft and charges

 

Restructuring a Business Overdraft into a Business Loan helps nobody except the bankers.

 

It's their way of Calling in the Overdraft without actually saying they are doing just that. OK, it's not as bad as Calling it in there and then, but it is Calling it in, just spread out over 3-5 Years, or however little time they convince you was a favour to you.

 

A business short of Cash with a 20k OD on the Limit, may only need a 5k increase to get back on its feet again.

 

The bankers will instead convince you a 20k Loan is better, but then you just end up with no Overdraft and no Cash (still), and a Monthly dead weight Payment that cannot be used as Working Capital.

 

A small OD increase could get things moving, OD may be worked down from 24k to 20k to 18k to 16k etc, and you build a Cash Flow Reserve in the OD, that can be used when needed.

 

A 20k Loan and no OD is like a Ball and Chain by comparison.

 

Had our High Street Bankers lent Small Business only a little more money, many of us would not have had to obtain funds from the Vulture Banks imported from the USA.

 

We'd have been better off, and our High Street banks would've been better off.

 

Instead, we are heading fast for a Recession, as UK plc has been knobbled at the Little Acorn level for the last 10 Years. All the Little Acorns have been bled dry via the only finance they could get, namely, vulture ramped Credit Cards and expensive Loans with PPI...the proceeds of which mostly went abroad!

 

What did our own banks do? Close branches and transferred all of their duties to Call Centres in India! Can you speak to a bank Manager these days? Answers on a very little Postcard please!

 

And the sale of Yachts and Executive Jets to bankers are stronger than ever, they can't spend it fast enough!

 

There, don't get mad, get even with these people!

 

Cheers,

BRW

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  • 4 weeks later...

:!:Hello All

 

Im starting this thread for my OH as we have a problem with

(1) Loan account in his name

(2) Overdraft on joint account made up of charges

(3) Old credit card in his name

 

At this time we are having letters sent from Sechiari,Clark & Mitchell

Solicitors

Today recieved ;

" If you do not IMMEDIATELY forward a payment of £00,000.00 or

alternatively make a payment to your local branch today our client may

instuct us to commence legal proceedings against you."

 

What I have done so far is Sent CCA for C/C no reply 12+2 +21 so far

Sent SAR for all accounts 44 days gone .

now we have recieved statements for C/C ages ago so we know they

have recieved the SAR but nothing on the loan.the thing is dont know

what to do about the O/D charges as its a joint account :?:

Maybe I should start threads for each one .

 

At this time we have with LLoyds

Two loans 1 business 1 personal

Two business accounts

One joint acc

One gold account

 

Whats bothering me most is that they wrote yesteday to say that

we have ten days to pay of the OD or they will take money from OH

Gold Account:o

We have applied for a Business Ac and Personal Ac with another bank

pray we are lucky , our business loan and both B/Accounts are all up

to date and no problems .

 

AS LLoyds have not complied with the SAR can I put these accounts

into dispute :?:

Any thoughts on next move

 

Thanks to all who have looked

HELP PLEASE

 

cheers T99

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DOH !!

 

Move requested ;)

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Tonka,

 

On reflection, you should start a new thread for each of the above topics in the Lloyds forum. Otherwise, the 3 a/c's will get mixed up and the thread and advice given will be confused.

 

Copy and paste from here, if it'll save you time.

We could do with some help from you

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Hello all

 

Im starting this thread for my OH as we have a problem with

(1) Loan account in his name

(2) Overdraft on joint account made up of charges

(3) Old credit card in his name

 

At this time we are having letters sent from Sechiari,Clark & Mitchell

Solicitors

Today recieved ;

" If you do not IMMEDIATELY forward a payment of £00,000.00 or

alternatively make a payment to your local branch today our client may

instuct us to commence legal proceedings against you."

 

What I have done so far is Sent CCA for C/C no reply 12+2 +21 so far

Sent S.A.R - (Subject Access Request) for all accounts 44 days gone .

now we have received statements for C/C ages ago so we know they

have received the

 

S.A.R - (Subject Access Request) but nothing on the loan.the thing is dont know

what to do about the O/D charges as its a joint account :idea:

Maybe I should start threads for each one .

 

At this time we have with LLoyds

Two loans 1 business 1 personal

Two business accounts

One joint acc

One gold account

 

Whats bothering me most is that they wrote yesteday to say that

we have ten days to pay of the OD or they will take money from OH

Gold Account:shock:

We have applied for a Business Ac and Personal Ac with another bank

pray we are lucky , our business loan and both B/Accounts are all up

to date and no problems .

 

AS LLoyds have not complied with the S.A.R - (Subject Access Request) can I put these accounts

into dispute :idea:

Any thoughts on next move

 

Thanks to all who have looked

HELP PLEASE

 

cheers T99

user_online.gifreputation.gif report.gif

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Will get someone more knowledgeable than me to look in here.

 

However I would consider taking money out IN CASH of the Gold Account that they are threatenning to deduct funds from. Set up another account with another bank and deposit it there.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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As Enron says take as much cash out of the Gold account as you can. Even if you can only open a basic account elsewhere then do that.

dont know what to do about the O/D charges as its a joint account
All that means is that either of you can claim the charges back.

 

Have you sent the LBA for the SAR non compliance?

Edited by rory32

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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Okay I think you need a plan of attack rather than wait and see what happens. In the circumstances we can dispense with the LBA.

 

I would make a complaint to the ICO today about the banks conduct regarding their breach of your SAR.

 

Also you should issue a summons for the charges straight away on whatever charges you are aware of as the solicitors are getting pushing, you can always amend the amount later. Include the Data Protection Act breach with it. Get the court to issue the summons but you should also fax a copy to the solicitors and warn them not to get stupid.

 

The best form of defence is attack in these situations and you need to take control of the situation rather than let the bank dictate to you.

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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Hello all

 

UPDATE ;

had letter today from MHA Collections

"

We have been instructed by lltsb to recover the arrears as you

have failed to respond to their request for payment .

 

IF YOU DO NOT immediately FORWARD A PAYMENT OF £000000 to

the above address or make a payment at your nearest LTSB branch

TODAY, SC&M solicitors may comence legal proceedings against you.

 

Who are these MHA they have a PO Box in Windsor

 

Think its time to question the CCA they sent , who should I send it

to Lloyds SC&M or MHA icon5.gif

 

thanks for looking in

 

T99

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HI Tonka,

 

Send a ltr saying you have taken advise and the response rec'd to your CCA request does not meet the requirements and the debt is not enforceable.

 

Send this to whoever you sent the CCA request to and send copies to, I assume, SC&M and MHA.

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Hello all

 

Have received finally the cca back from Lloyds this has taken

weeks they are way over the 12+2+30.

Could some kind person please take a look ,

 

 

 

 

http://i302.photobucket.com/albums/nn99/sexeysarms/mrtonkacc.jpg

 

http://i302.photobucket.com/albums/nn99/sexeysarms/mrtonka99.jpg

 

This is an Asset card taken out in 2000 I sent a SAR for the statements

and they arrived before the CCA

 

 

Thanks for stopping by

cheers

 

T99 (mrs):wink:

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