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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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Scotcall = No CCA


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Hi Everyone.

I've been making regular payments to various DCA's over a number of years and,

after reading suggestions on this forum, have decided to test the water by sending CCA requests to all of them.

 

I have so far received only 1 reply.

 

This is from a company called Scotcall who say that they cannot supply the CCA on either of the 2 accounts I have with them but suggest,

as I have been sending monthly payments for a year or so, that I should keep on doing so.

 

Does the fact that I have been making payments mean that I admit Scotcall owns the debt?

 

I'm a bit concerned about getting tough with any of these companies as I already have 1 CCJ

and don't wish another but all these payments are taking a huge slice of my monthly pay and I would hate to think that these DCA's are not actually entitled to these payments.

 

I'm sure to be receiving varied responses from the other DCA's shortly, should I post these in seperate threads?

 

Any advice much appreciated.

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Hi Everyone.

I've been making regular payments to various DCA's over a number of years and, after reading suggestions on this forum, have decided to test the water by sending CCA requests to all of them.

I have so far received only 1 reply. This is from a company called Scotcall who say that they cannot supply the CCA on either of the 2 accounts I have with them but suggest, as I have been sending monthly payments for a year or so, that I should keep on doing so. Yeah, I bet they did ! :rolleyes:. I can think of a few suggestions as to what they should do as well....

Does the fact that I have been making payments mean that I admit Scotcall owns the debt? No... if 12 working days have passed since they received this request, you can legally withhhold all payments now... no need to tell them why.

I'm a bit concerned about getting tough with any of these companies as I already have 1 CCJ and don't wish another but all these payments are taking a huge slice of my monthly pay and I would hate to think that these DCA's are not actually entitled to these payments. A lot of them aren't... which is why the CCA request is so important. Which account do you have a CCJ on and is this still with the original creditor, or has a DCA got it now ?

I'm sure to be receiving varied responses from the other DCA's shortly, should I post these in seperate threads? No... just keep them on here for now... they might not have that much to say to you ! ;)

Any advice much appreciated.

 

:)

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Hi and thanks for the reply.

To answer your question, the company who got the CCJ against me are Kings Hill (No1) who I believe are or are linked to Cabot Financial.

 

I was quite upset about the CCJ as I did make an acceptable offer of regular monthly payments and was even more annoyed to get a charging order against my house.

 

Soon after the CCJ and charging order were made Cabot let me know that I would be sending payments to them.

I didn't contest any of the charge. I didn't know any better at the time.

 

Going back to Scotcall.

 

Is there a standard letter I need to send them at this stage?

 

Do I need to tell them I wont be sending any further payments?

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The CCJ was probably taken out before your account was sold to Cabot.... who was the original creditor ?.... and how long has this account been with Cabot ? You can apply to the court to have the monthly amount reduced if it's too high. How old is the CCJ ?

 

There's no need to write to Scotcall re. the CCA default, providing you've retained proof that a request was made (rec. delivery slip). If/when they write to you again, just let us know and a bog off letter can be sent then. Don't have any dealings with them over the 'phone though.

 

:)

Edited by PriorityOne
thoughts...
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I don't have the full details of the original creditors with me at present.

I do know that it was 3 different credit card companies who's accounts Kings Hill (No1) had taken on.

 

They were represented by Hodsons solicitors and the charge was made at Rugby County Court on 19/07/2005.

 

I began dealing with Cabot straight after having my payment offer accepted.

 

Unfortunatley I sent off all my CCA requests before reading more from this forum and neglected to send the requests by recorded mail.

 

Do I assume this is only a problem if the DCA refuses to acknowledge?

 

The reply from Scotcall clearly states that they understand what I ask for but cannot comply.

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Unfortunately, it may be too late for a set aside of that CCJ now.... but you can still apply for the payments to be reduced if they're more than you can afford each month.

 

As far as Scotcall are concerned though, you've got their letter to say that they've received your request... so that's as good as proof that one was sent.

 

Make sure you keep hold of it though.:cool:

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Ok so I have Scotcall admitting receipt of CCA request which is great.

 

Some of the DCA's who I sent CCA requests to use a P.O. box address.

 

Does the Special Delivery proof of receipt system work with these addresses or is there another tactic I may need to use?

 

I have today received a letter from Link Financial, who hold 3 accounts,

saying that they do not hold the information I require but have asked for a copy of the agreements from the original OC (MBNA).

 

The debts were bought from MBNA in May 2001.

 

They say this information may take up to 30 days to provide.

 

They are putting my accounts on hold for 14 days "for you to contact this office with further details as requested above", whatever that means.

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It means nothing. They have 12 + 2 days to produce the CCA or they will be in default and the account will become unenforceable (you can choose to stop paying if you like)

 

An additional 30 days and they have committed a criminal offence...

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I don't have the full details of the original creditors with me at present. I do know that it was 3 different credit card companies who's accounts Kings Hill (No1) had taken on. They were represented by Hodsons solicitors and the charge was made at Rugby County Court on 19/07/2005. I began dealing with Cabot straight after having my payment offer accepted.

.

 

So who are you making these payments to now? Cabot or Kings Hill ?

 

You can still CCA even if there's a CCJ...I did and got the CCJ set aside and had all the payments I had made sent back to me ;-)

  • Haha 1

Just hate every DCA out there

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It means nothing. They have 12 + 2 days to produce the CCA or they will be in default and the account will become unenforceable (you can choose to stop paying if you like)

 

An additional 30 days and they have committed a criminal offence...

 

Not anymore apparently. It's now only the 12 + 2 days.

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Not anymore apparently. It's now only the 12 + 2 days.

 

Really? Can you point me to the legislation that changed please?

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I don't know it myself, but another member showed the updated legislation in one of the threads. Someone else might be able to give more information on it.

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So who are you making these payments to now? Cabot or Kings Hill ?

 

You can still CCA even if there's a CCJ...I did and got the CCJ set aside and had all the payments I had made sent back to me ;-)

 

It was Kings Hill who got the judgement against me but every payment I've made has been to Cabot who I believe to be the same company.

 

I didn't actually contest any of the claim and it was 3 years ago so I thought a Judge would throw out any attempt for me to set aside the CCJ for both those reasons.

 

If I had a good chance of success I would give it a go. I haven't CCA'd Cabot as yet.

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It was Kings Hill who got the judgement against me but every payment I've made has been to Cabot who I believe to be the same company.

I didn't actually contest any of the claim and it was 3 years ago so I thought a Judge would throw out any attempt for me to set aside the CCJ for both those reasons. If I had a good chance of success I would give it a go. I haven't CCA'd Cabot as yet.

 

And I didn't contest the original CCJ either... I'd CCA Cabot immediately...If they didn't have the correct paperwork to go for a CCJ 3 years ago, they should have never applied for it in the 1st place.

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Just hate every DCA out there

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Ok thats a CCA request sent out to Cabot today. I assume this has to be treated slightly different to other CCA requests as by not continuing with payment I would be breaking the court order. On what basis did you request the CCJ be set aside?

 

That there should never have been a CCJ issued in the first place - I kept paying the CCJ order right up until the decision was made for it to be set aside.

Just hate every DCA out there

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That there should never have been a CCJ issued in the first place - I kept paying the CCJ order right up until the decision was made for it to be set aside.

 

Thanks very much for the tip. I appreciate the info. Will now wait for the reply from Cabot and hope they can't provide the CCA then I will have a case for the CCJ to be removed. That would be such a relief I can tell you :)

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Ok so now here's something I didn't expect.

 

I got a "letter undelivered" card pushed through my letterbox by Royal Mail today stating that a letter couldn't be delivered as it was recorded and the sender hadn't paid the full postage.

 

I can't say for sure it's from a DCA but it could well be a reply to a CCA request.

 

Do I pay the fee or let it go back to sender?

 

Is this common practice with these people?

 

 

Update: Cabot have replied with the usual "Cabot is not obliged to provide this information but have requested documentation from the original lender".

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When you go to the sorting office ask to look at the package first. They should let you as you may have to pay money and you want the option.

 

If you can look at it then I guess you'll be able to judge whether it's something you want or not.

 

 

If you do pay up and take the package then make sure you get a receipt (they will give you one if you ask but don't do it in the middle of the rush hour!) so you can charge the sender accordingly!

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I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Update: Cabot have replied with the usual "Cabot is not obliged to provide this information but have requested documentation from the original lender".

 

Er, that kinda proves my point...How could Cabot even apply for a CCJ when they didn't have the correct paperwork in their poccession at the time??? That's to say they couldn't have had the proof that you owed the debt if they have to now request it from the original lender!

Just hate every DCA out there

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They don't have to have proof at the time they lodge the claim.

If no-one ever asks them to produce it in court then they won't. Which is how they get judgments so easily. Sad.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Er, that kinda proves my point...How could Cabot even apply for a CCJ when they didn't have the correct paperwork in their poccession at the time??? That's to say they couldn't have had the proof that you owed the debt if they have to now request it from the original lender!

 

I couldn't agree more. I just wish I knew then what I know now. Still, if there's a chance of getting the CCJ overturned on the basis of Cabot not holding CCA I may as well give it a go. Just a case of waiting to see if Cabot can privide the information requested.

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Reply to CCA request from Credit Security Ltd

 

"You will be aware that your account was refered to this office for collection in January 2005 as a result of your default in payment.

To assist you in resolving this matter without recourse to legal action we agreed to accept repayment by monthly instalments and you have maintained a repayment programme since that date acknowledging the debt due to our client.

We are unable to provide you with a copy of your credit agreement in view of the age of the account but we confirm that no interest or charges have been added to your account since January 2005 and this account has not at any time been in dispute.

We trust we have clarified the position and look forward to receiving payments in accordance with the agreed terms."

 

Does this reply mean that this DCA are in the same situation as Scotcall are with me? Both admit they have no CCA.

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Result :D.. an admission that there's no CCA !!

 

Is there a CCJ on this one ? If not, then stop all payments, but keep this letter safe. If there is, then they'll need to prove it's existence. Since they haven't gone back to any "clients" for a CCA, they probably bought this one ages ago but don't want to tell you. :)

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No CCJ on this account. Only the account I have with Cabot got a CCJ.

 

I'm a little puzzled by this one though as my credit file is still being updated under the entry "Barclays Masterloan" which is the account Credit Security LTD are holding. Although Barclays were the OC how come data is still being written to my credit file? Also, does this mean that as soon as I stop making payments on this account I will start getting defaults on my credit file?

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