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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. 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.
    • 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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      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.

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CitiFinancial/1st Credit SD


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Hi all,

 

Had my hearing today and the judge didn't set aside the demand as I had hoped.

 

He felt that as I had already had an agreement in place with Citi and they passed the debt on to 1st I had already acknowledged the debt.

 

He wasn't interested in the fact that I haven't received a copy of my CCA or never received a notice of assignment or default notices.

 

On the plus side he was very unhappy that 1st had said in their witness statement that they had refused all payment offers - the look on his face when I produced a letter from them agreeing to my offer said it all and he made it clear that they should stand by it as they had already agreed!

 

Their legal representative (not from LCS I hassen to add) also looked pretty shocked when the letter was produced. It effectively showed that they have lied in their witness statement but unfortunately wasn't enough to get the demand set aside.

 

I will now have to wait to see what they do next although he did advise that they probably wouldn't get anything if they attempted bankruptcy in light of their acceptance of my offer.

 

Thanks to all from your help and Happy New Year.

 

Did you direct the judge to the relevent sections of the CCA that said that they should not be seeking enforcement while in default? if a petition for bankruptcy isnt enforcement then i dont know what the hell is?

 

Did you direct the judge to section 87 & 88 CCA 1974 in relation to defaults?

 

You need to make sure that you do this, and draw the judges attention to the relevent things as many judges dont know their arse from their elbow when it comes to the CCA

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42man, no costs were awarded to either side. They had applied for just over £300 costs and the judge refused to award them despite protest from their representative (Legal Practice Clerks Limited) which said it all really.

 

pt2537, the judge wasn't interested in anything I had to say regarding the CCA.

 

I raised the issue several times but he repeated that as I had an agreement in place with Citi that I had acknowledged the debt and lack of the CCA didn't have a bearing on the case.

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42man, no costs were awarded to either side. They had applied for just over £300 costs and the judge refused to award them despite protest from their representative (Legal Practice Clerks Limited) which said it all really.

 

pt2537, the judge wasn't interested in anything I had to say regarding the CCA.

 

I raised the issue several times but he repeated that as I had an agreement in place with Citi that I had acknowledged the debt and lack of the CCA didn't have a bearing on the case.

Hmm, this does not sound logical, did you refer the Judge to Wilson -v- First County Trust Court of Appeal ruling , para 26 Sir Andrew Morrits judgment? the judge cannot ignore this as the Vice Chancellor states that where a lender fails to ensure they comply with the requirements of s61(1)(a) then they are deemed to have gifted teh money to the person.

 

My guess is that you simply didnt have the Ammo to down the other sides arguements. however, all is not lost, you have options,

 

You can seek an injunction against worst credit from enforcing the debt while in default of the CCA request, the authority for this is para 16 of HHJ Simon Browns Judgment in Rankine and Amex

 

the otehr option, is to seek disclosure of the documents and bring an action before the court for a declaration pursuant to S142(1) CCA.

 

The fact that you have made payments or have acknowledged t he debt is meaningless, the fact is the CCA allows consenting enforcement, so you could simply say that you have exercised your right to cease payments as you no longer consent to pay a debt which you have discovered as being unenforceable

 

these are just my thoughts, and i am a wee bit worst for wear thanks to the Famous Grouse

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taken from s173 CCA 1974

(3) Notwithstanding subsection (1), a provision of this Act under which a thing may be done in relation to any person on an order of the court or the Director only shall not be taken to prevent its being done at any time with that person’s consent given at that time, but the refusal of such consent shall not give rise to any liability.
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PT -

 

Interested in this , but for some reason my brain is struggling with the above text, can you put it into english please?

 

(sorry)

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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actually,

 

scratch that, I see know that it backs the previous post up that just because you have made payments in the past, this does not make the agreement enforceable, right?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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actually,

 

scratch that, I see know that it backs the previous post up that just because you have made payments in the past, this does not make the agreement enforceable, right?

correct, you can consent to enforcement but can withdraw that consent without admission of liability

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PT,

 

what carries the higher weight, Wilson or Rankine?

 

As Rankine seems to have ridden a steamroller over everything decided at Wilson, so if Wilson is a higher court, does that automtically negate the opinions stated at Rankine?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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PT,

 

what carries the higher weight, Wilson or Rankine?

 

As Rankine seems to have ridden a steamroller over everything decided at Wilson, so if Wilson is a higher court, does that automtically negate the opinions stated at Rankine?

Wilson would always carry greater weight, but, people do not take rankine in the light that it should be taken, Rankine did nothing to alter the form and content of regulated agreements

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Hi,

 

thanks, could you explain a little more as to why it did nothing to alter things?

 

Was it purely that the Rankines were badly prepared?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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In my view, Rankine only dealt with the matters such as the ability of the court to make a declaration pursuant to s142 and the circumstances surrounding them.

 

It dealt with the "true copies" provisions given that rankine sought to say that the true copies they recieved were not true copies, lets not forget, from the judges view their case was poorly presented and ill prepared and incoherent

 

it also dealt with the provisions of cancellable agreements

 

buut it did nothing to change the fact that statute prescribes the form and content of a regulated agreement

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Thanks PT

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Dear Sirs

 

I respectfully requested that you supply me a copy of the credit agreement upon which you based your demands for payment. To date you have failed to supply this information despite the statutory fee being paid with the request.

 

Therefore, pursuant to s173(3) Consumer Credit Act 1974 i no longer consent to enforcement of the alleged agreement until such time as a signed copy is produced showing liability for payments and the contractual provisions associated with it.

 

Should you fail to comply with this request, i am advised that i would be able to seek an injunction restraining you from any enforcement until such time as you provide a properly executed agreement which bears my signature. the authority upon which the injunction is based is para 16 of Rankine v Amex and five others, which i am sure you will be aware of.

 

I would respectfully ask that you respond to this letter by no later than 4 pm on XXXX

 

I look forward to your response

 

 

just a thought

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PT -

 

Looking at Para 16 of Rankine, it appears the judge is stating that if the agreement is terminated (as in, S87/88 properly followed, termination letter then issued), that S78 bears no weight to prevent action action by a creditor

 

This being the case, could any creditor just terminate the agreement and then rely on this ruling to avoid the consequences of s78(6)?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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that is correct, s78 falls under the heading of Part VI Matters Arising During Currency of Credit or Hire Agreements

 

the key is during the currency so once the agreement ends thats it so does an entitlement to the documents

 

however there are more than one way to get the docs you need, the dpa or CPR provide rights to access to documents essential to your case

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Thanks for that

 

But on the other side of the coin, we are sure that if they issue an invalid DN and then proceed to terminate, they cannot then rectify that issue and so lose claim to the balance?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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just a thought

 

Thanks pt2537, will give that a try.

 

I still hope that having the letter 1st Credit sent agreeing to the payment offer will carry some weight. Like I said before the judge wasn't very impressed they had failed to include that fact in their witness statement.

 

He even told me to look after it as it was very important. I have made various copies stored in various locations to make sure it is.

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  • 5 years later...

My apologies for digging up an old thread however having paid the £12 mentioned above every month for the last 5 years + I've now been sent a letter threatening bankruptcy proceedings again!

 

I have moved back to my parents home having had the flat I was living in repossessed back in 2010 and own nothing of value, don't even have a car as I go everywhere via public transport.

 

I still have their letter agreeing to the £12 payment so I guess I'll just have to show the judge again if they do decide to go down the court route again!

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Good morning all, I've received another letter this morning still suggesting bankruptcy proceedings are being considered.

 

They are adamant this debt hasn't been paid yet the amount owed has reduced from their previous letter by the £12 a month I've been paying them for the last five years plus.

 

They are now saying that if a repayment plan isn't agreed they will pass to Connaught Collections "to consider issue of a statutory demand"

 

They would like this repayment plan to be direct debit!

 

To be perfectly honest if they wish to go down the bankruptcy route they would be helping me out because I have no assets and won't be having any for the foreseeable future and obviously they won't receive a penny more.

 

On another note, when this original started five years ago they were asked to supply my credit agreement and I still haven't seen it.

 

Any advice would be grateful received. Thank you.

Edited by Digitalburnout
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