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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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1st credit /connaught Bankruptcy Petition - ** WON **


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they (the courts ) said disputes should have been done at the stat demand stage...

and you should get legal help

we can really not remember ever getting a stat demand , 1st credit say it was hand delivered through the letterbox not after 17.00 pm in feb??

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ok Dave you've sent the CCA requests off to Connaught and 1st Credit....(sent recorded with a £1 postal order in each ?)

 

I would also send a SAR request to the Data Controller at LloydsTSB ASAP too this will cost you £10 (send a postal order) and send it recorded...

 

Send this to them....

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

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Dave as mentioned, go to the court, quote the case number and ask for ALL the paperwork on the case, try and do this as soon as you can, I know the CCA's have been sent (the time runs out before the hearing which is good) and the SAR has been sent....we know there are a significant amount of charges that have been added to the account if it is £500 then they owe you £760 odd (this includes compounded interest)

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You'll submit the defence 8 days before the hearing Dave.....I'll do a draft copy for you to look at, i'll send it to you probably on Monday or Tuesday....but the first thing to do is go to the court and pick up all the paperwork (best way) OR ask them to send it to you (they send it 2nd class) !!

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dave

 

you need to check the affidavits verifying service that the process server should have sworn, one for the SD and one for the bankruptcy petition. If you can, ask the court staff to copy them and then post them after taking out personal details.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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ok been to court and they will not let me have the affidavits they say it is up to the creditor to show these docs not us , she read some of it and says it looks ok? there was no reference to a stat demand in sept 07, nothing logged, just one in Feb 08, in which we never recieved. the bp was sent first class the alleged feb SD was delivered by hand,through the letterbox, after failing to meet the alleged depbtor on the door...mmmmm

what do you think guys?

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Never heard of a court refusing a defendant the opportunity to see the court file. iIve looked at several when acting professionalyy. I'll need to check the Insolvency Rules but your OH may have to attend the court to gain access. It's probably an over zealour official.

 

The key to opening up the BP will be the service and the affidavit. Once that is done and the BP set aside or adjouned, then the debt itself can be dealt with.

 

I'm away from my office now until Monday but I will post a fully response then.

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Since you are at the BP stage there's no point discussing what should or shouldn't have happened at the SD stage.

 

The BP should have been served personally! If they were unable to do so, then the process server should have a sworn affidavit spelling out what efforts they made to serve it personally and a request to the court for alternate service via letter boxing.

 

Once that request was ordered by the court then it can be served by letter boxing it and a further affidavit would then be sworn saying so.

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  • 3 weeks later...

Yes...did attend, no costs awarded judge said that CPR38 only applied to 'professionals'.....didn't push the litigant in person but pleased BP is out of sight now....and if 1st Credit decide to push we can deal with them. Original creditor has written in answer to the SAR saying 'we can't trace any accounts'....

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Yes...did attend, no costs awarded judge said that CPR38 only applied to 'professionals'.....didn't push the litigant in person but pleased BP is out of sight now....and if 1st Credit decide to push we can deal with them. Original creditor has written in answer to the S.A.R - (Subject Access Request) saying 'we can't trace any accounts'....

Did you attend too 42man?

 

Can 1st Credit still try and chase this debt?

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thanks it was a great result , i just wish more people would visit this site as there was a lot of individuals today that was not turning up for there own bankruptcy hearing,:sad:

 

just hiding away is not the answer , just a little defence/fightback gets them worried, so if anybody is reading this and just starting off in the preceding s, go for it, you will be quite shocked how quickly they back down;)

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to be honest c c mug we were glad to get out of there or rather my wife was....

if it was my petition i would have argued a bit more with the judge regarding costs, but you cant say much as an assistant/mcenzie friend not direct to the judge anyway!!

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