Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Like
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5586 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Decided that IVA is the best route for us. The choice of Companies is mind boggling. NDL recommend:

 

Payplan

Grant Thornton

Baker Tilley

 

as they have signed up to some IVA best practice/ protocol.

 

Does anyone have experience of these companies? Or can anyone give us recommendations of good companies and likewise, any bad ones that we should avoid?

Link to post
Share on other sites

Decided that IVA is the best route for us. The choice of Companies is mind boggling. NDL recommend:

 

Payplan

Grant Thornton

Baker Tilley

 

as they have signed up to some IVA best practice/ protocol.

 

Does anyone have experience of these companies? Or can anyone give us recommendations of good companies and likewise, any bad ones that we should avoid?

 

Hi

 

My experience is that any IVA company are likely to say they are better than others and the bottom line is that there are fees to be paid whoever you go with.

 

One of the selling points with IVA companies is that they may suggest that you dont pay any fees as it comes out of the creditors which of course is nonsense as the money comes out your pocket in the first place.

 

As far as I understand the 'charity' CCCS also have an in house Insolvency Practioner and I am led to believe that their 'FEES' are lower than most so may be worth including on your list. Also I would check out any possible up front and /or introduction fees that some outfits may request. To be fair though I dont think any of the companies mentioned in this post charge any up front fees etc and taking into account the business element here I would say they are amongst the most reputable.

 

Think long and hard about entering an IVA and make sure you get genuine independent advice on all your options before doing so as there have been some nightmare stories relating to IVAs on a number of debt related forums.

 

Wish you luck.

Link to post
Share on other sites

Hi - i am new to the site - Hello!

I stumbled upon this post whilst trying to find information on reclaiming bank charges for my sister. This forum is brilliant and I will now be a regular visitor. I'm not sure if pritchy still needs advice on which IVA company to use but I was in a total financial meltdown about 2 years ago and kept everything bottled until the inevitable breakdown caught up with me. I spoke to CAB and they advised an IVA then told me to get in touch with CCCS. I took an age to speak to someone and I felt like I needed to get my life back on track quickly so I looked online and found a few companies to call. One of which were called Simple Debt Solutions (not sure of the number but Google will) I felt like a huge weight had been lifted after I spoke to them - so they dealt with it all for me and now my life couldn't be better - new job, new man, new outlook....

I think if people have a good experience with a company they should share it!!

 

Now I'll go any find the correct place for posts on reclaiming bank charges and hope to get answers to my questions....

 

ta ta for now

:?

Link to post
Share on other sites

Don't use a company called Chatsworth they basically took most of my money and did not pass it on to creditors, i took legal advice after 18 months payments and my solicitor told me to not pay, I defaulted of course but would rather deal with companies direct than have someone give the story that they are helping you with these things and then do the exact opposite. They basically took there fee first before any payment was ever made to a creditor. I have had a few creditors ask for money but none of them have had the agreements so no payments made. This was over 6 years ago now but if they are still around i would not bother.

Link to post
Share on other sites

An IVA was a route I considered going down 3 years ago however, after much researching, I found out that an IVA was for 5 years and only a % of my debt was written off.

 

I decided in the end to go into a Trust Deed. I only make payments of £150 per month for all my debt (over £55K) for 3 years and all my debt is written off. My last payment is due December 1st and then I'm free and ready to rebuild my life.

 

I live in Scotland, so I hope a TD is something that you can do in England.

 

Good Luck.

Provident - CCA Request - CCA Received, challenging report with CRA.

Experian - Removal of data request - 10/11/2008 ****** WON AGAINST EXPERIAN *****;)

Link to post
Share on other sites

I live in Scotland, so I hope a TD is something that you can do in England.

 

It isn't. The English version is an IVA (which, by the way, is unavailable in Scotland - so I'm not sure what you were originally looking into!)

Link to post
Share on other sites

  • 2 weeks later...
Hey there, welcome to our site.

 

What are Simple doing for you? Is it an IVA or some other arrangement?

 

Best wishes,

 

Seq

 

Hi

Sorry I have been on holiday and missed your post.

I am using Simple Debt Solutions to sort out my IVA. Well it's almost sorted now and I'm so happy. I have had a good month. Simple Debt Solutions have lifted a weight off my shoulders in a big way - how nice are they.... Then my parents announced they were paying for us all to go on a family holiday with them - the 4 of us have just returned from Tenerife. Now looking forward to Christmas and definately NOT getting in a mess EVER again...

:?

Link to post
Share on other sites

  • 1 month later...

i really recommend a web site called iva.com it gives reviews on all iva companies.

i am currently looking at taking an IVa. i have been recommened grosvenor they do take a fee up front but the reviews on them are fantastic.

I am deciding weather a full and final would be best for me as my parents are lending me £20 to cover my debt totalling £50k inside a one payment iva. With all that said the full and final does the same. Howeve am i protected.

 

The trust dead in scotland sounds less scarey.

 

I am worried that an IVa will cause me probelms with job and if it will be a big stigma that i carry for years.

where as with a full and final will my debt and credit file ever be cleared???

 

pls help

missy cash

Link to post
Share on other sites

Hi there

 

I would suggest Payplan - their service has been really good since starting a debt management plan with them.

My friend is in an IVA with Payplan Partnership, and I know that they are the only IVA company who do not charge any fees upfront. I would definately suggest Payplan - take a look at their website, which will tell you more xxx

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...