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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. 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. Can a PPC (claimant) 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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Unpaid student loan from 1994


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Hi, hope someone here can give me some advice!

 

After looking through the threads on this forum I feel that I do have a corner to fight this issue. I went to university in 1994 and took out a student loan for £1,150 then promptly dropped out of the course, went back home and onto the dole, forgetting all about the loan. I have had limited if any letters from the Student Loan Company since this time.

 

I received a phone call the other day from the SLC stating that I owed them around £1,600 and whether I could pay it all off there and then. Seeing though I have just got a mortgage plus other debts I told them no and they asked how much I wanted to pay, giving them a ball park figure of around £20 a month. I stated to them that if I had been given the option to repay the loan I would have done, understanding that it's paid over 5 years.

 

I received a form which I detailed all my incomings and outgoings and have posted back today, working out my disposable income at around £140 per month and offering to pay £40.

 

However seeing though the loan is so old (14 years ago) would the loan be statue barred? I feel a bit confused about this...

 

I also feel that the SLC have been harrassing me since, I phoned them back to ask some questions since the 1st phone call but know that they are phoning me every day but not saying anything because when I dial 1471 it's their phone number.

 

I have not made any payment up to this point.

 

Hope someone can help me, many thanks!

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Hi i would say that as they have your address wait for a letter, If they found again imform that that you will only deal in writting with them and that you will report them for harressment should they continually phone you. then once you have the letter from them we can help you out a little more etc.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal Experiences/Mistakes lol...

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  • 2 weeks later...

Hi, Pastcatchingup.

 

Like Krysus say's, this 'alleged' debt will be Statute Barred.

Send them letter 'M' in the library.

 

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

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, thanks for your help!

 

Have filled in the statute barred letter and am just about to post it!

 

I think my worry is that I sent off the form with regards my financial incomings and outgoings and stated on the end of the form that I could offer to pay £40 a month. Is this acknowledging the debt? Also when they phoned me up and asked me how much I could pay was this acknowledging the debt as well?

 

Still, suppose by sending the letter will buy me a little bit of time and I haven't heard from SLC for well over a week except for them sending me 3 statements (that only go back to 1998 and not the start of the loan) and my original form:o

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Hi, thanks for your help!

 

Have filled in the statute barred letter and am just about to post it!

 

I think my worry is that I sent off the form with regards my financial incomings and outgoings and stated on the end of the form that I could offer to pay £40 a month. Is this acknowledging the debt? Also when they phoned me up and asked me how much I could pay was this acknowledging the debt as well?

 

Still, suppose by sending the letter will buy me a little bit of time and I haven't heard from SLC for well over a week except for them sending me 3 statements (that only go back to 1998 and not the start of the loan) and my original form:o

 

Unfortunately, i believe this correspondence will count as acknowledging the debt :(

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Hi, Pastcatchingup.

 

Don't send them the form. Just send the Statute Barred letter and see what they come back with.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Just received a phone call from the SLC asking me to pay the loan in full, informed them that I had sent a letter off on Monday and sent "something off 2 weeks ago". When the lady stated "what do you mean by something?" I asked them if they had received any correspondence from myself (referring to the income form) and she said "no". I informed them that the loan was "statue barred" and she informed me that the SLC had sent me numerous letters over the last 6 years. I did inform her that I had lived in my previous address for nearly 3 years and not heard anything from them even though they quoted said address in their initial phonecall. I was on the electoral register during this time.

 

If the SLC have tried to contact me during the last 6 years is the loan statue barred?

 

I've informed the SLC that I will only contact them via post and they have taken my number off their records.

 

Will wait to see what happens next!

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They can send you as many letters as they like, as long as you have not acknowledged the debt in writing or made any payments, it's Statute Barred.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Received a reply from SLC yesterday, in a nutshell they've stated that

 

"Creditors are still able to pursue an unsecured debt if:

 

You have established any contact with the creditor (this can be a phone call or letter to request a balance or change you details), except to deny that the debt exists.

 

As per your telephone call on the 18th June where you have already made an offer you are not covered by this."

 

Nothing mentioned about paying this back!

 

Within the statements sent I'm not sure if I earn enough and was wondering if I could defer?

 

Also I've heard that if you offer to pay off an certain amount that they have to accept that offer, is that true?

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Do a SAR and start with big bold letters-

 

I DO NOT ACKNOWLEDGE THIS DEBT

 

THIS ACCOUNT IS IN DISPUTE.

 

End the letter saying you will only deal with this in writing and any phonecalls will be logged and recorded to be reported as harassment.

 

Send recorded delivery.

 

I've dealt with the SLC and won, getting all fees charges refunded. I took them to court. You can win, they just act like a bunch of idiots.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Hi, I have a similar issue, went to Uni between 95/98, original pre 98 loan was deferred for one year then I heard nothing further, until last week that is.

 

They say a CCJ was issued (which has now expired) and that I still owe them £6,300 including court fees. I don't recall how much I originally took on as SL, they tell me it's £5,999, but I don't recall - been a long time. They will not accept deferment saying that that option has gone since legal route was taken. I have not received any correspondence of any sort since '98-'99.

 

Can anyone please offer any advise. I'm also a couple of yrs off 50, I thought if I could maybe defer for a couple of yrs, (as i still don't earn the 85% of Nat. Av.) & it would expire. Seems I will expire first!

 

Any advice greatly appreciated. Would have been interesting to know how this person got on?

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Pressure2, have you started your own thread so people can advise on your specific case? And a SAR and CCA (for pre1998 loans) are usually the first place to start.

 

Remember to start by saying the account is in dispute and you do not acknowledge the debt (in really big bold letters so they don't accidently miss them). That's the only way to find out what has been going on with the account (and £5,999 seems like an odd amount for them to pluck out of the air).

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 3 weeks later...

Hi I wonder if someone can advise me on a similar matter. I left university in the early 1996 with a student loan of around £3000. Very shortly after I went to live overseas and was earning at the time £300 a month and sent at letter to the student loans company saying that I would have trouble repaying anything for the time being. I had nothing back and within two months moved to a new place. As a result I am unaware of any return correspondence.

 

I returned to the UK in 2002 and have had no contact whatsoever from SLC. However, I have recently received a letter from a debt collectors saying that I must pay the sum plus interest in full on behalf of SLC.

 

I am in a difficult situation now because I have a young child, work full time on a salary of under £20,000 a year and am unable to even save anything let alone settle a debt because my salary doesnt even cover the cost of living for my family. Also I have no essets whatsoever, no car, and nothing valued over £100 even in my flat.

 

Firstly, should I still be responsible for the debt. And if that is the case how can it be recovered by debt collectors if I have nothing to give.

 

Please help.

 

Mike

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Hello and Welcome, Mike.

 

Have a look at this..........

 

Law relating to debts: statute-barred debts

 

If a lender allows time to pass without receiving any payment an action for recovery may become barred.

 

Under the Limitations Act 1980 the time limits are

 

* in simple contracts (credit cards, loans, etc.), 6 years

* in contracts under seal (mortgages), 12 years.

 

If the debtor acknowledges the debt in writing or makes a part payment within the original limitation period, then the time limits start to run again from the date of acknowledgement or the date of payment.

 

Even though the lender may be barred from pursuing recovery, a debtor may decide to pay the debt after the expiry of the time limits. Because of this you should allow a debt which is otherwise statute-barred if the personal representatives pay the debt and you receive evidence that the payment has been made.

 

The above instructions do not apply to debts in Scotland. Under Scottish law, if a lender allows time to pass without receiving any payment an action for recovery may become barred under the Prescription and Limitation (Scotland) Act 1973. (For details of this Act see Gloag and Henderson 10th edition at Chapter 15.). These debts are completely extinguished and cannot be enforced. Once the prescriptive period expires the debt cannot be allowed as a deduction.

 

To sum up, basically once a debt becomes statute barred it is up to the debtor whether or not they wish to pay the debt. A debt can not become unstatute barred.

 

 

If you think the 'alleged' debt is Statute Barred, send the DCA letter 'M' from the library.

 

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

 

Send it recorded and don't sign the letter.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Scott, Many thanks for the info. It's put my mind at rest somewhat. Is anyone aware whether or not it matters that they may not have received my original correspondance giving a new address and stating my low earnings. Like i said, I know I sent it, but if it's got lost in the post as can happen more easily with overseas mail, can that change things anyway?CheersMike

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I took student loans in 1991 to 94. I have always deferred the loans each year as have never earned above threshold to repay them. I was told at time of taking loans that they would be written off when I reached 50 (I was 39 when I took them out and was worried about repaying them). When I reached 50 they said it was 60 because I was over 40 when last loan taken in 1994/5. I am furious as I would never have taken the loans in first place. I will be 56 next month and next month will get a pay rise taking me over the threshold and have made arrangements starting 18th of August to begin repayments. However, i wonder how I fit in with the Statute bar as it has been 17 years since first taking a loand and 12/13 years since I took the last student loan in 1994/95??. I did begin repayments a few years ago maybe 3/4 years ago but only 2/3 payments which I got back from them as I was able to defer it again (lost a job). I have formally complained to them about being misled initially about the age 50 rule and am going through that process, I have also complained to Financial Ombudsman today as well as the SLA come under them now. Can anyone help me at all?? Do I have a leg to stand on?? I am so bitter as I have almost no pension to speak of and only 9 years till I am 65, to save for one. I am also disputing the monthly payments as I worked out using the FSA website calculator that based on my repayments, the SLA interest rate would have to be 6.34% and not the 4.8% they say it is; am waiting for a response about this. Help please someone?????

Sorry for long post but I am fit to be tied as they say. :evil:

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I don't think deferring each year would allow the debts to be statute barred- its like acknowledging the debt and promising to make a payment in the future, every year.

 

Do you have any charges on the accounts which you could claim back?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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