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    • 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.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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roko20650 v Egg card


roko20650
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Help please,

 

My husband is self employed and has been laid off his sub-contract work and there is nothing out there, we are homeowners with a mortgage and are unable to pay our credit card debt to Egg, thinking of debt management but would like first to try going it alone, any help would be appreciated.

 

Ta muchly

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Hi there, welcome to CAG.

 

It's your call but I would initially advise going on a DMP with either CCCS or Payplan - both are free and non judgmental.

 

It would give you some breathing space to get sorted without having to deal with the inevitable phone calls and letters. On a DMP you just refer the creditor to your DMP.

Also, whilst on a DMP, you can request your Consumer Credit Agreements.

 

However, if you feel that you can deal with the creditors on your own then there are some template letters on the forum to help you with this.

 

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

 

I'm sure others will be along shortly with more or even better advice.

 

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If you do a search on this forum for CCCS or Payplan

 

You will find plenty of members who have used their services.

 

They are free to use and are not judgmental neither.

 

Take your time and do some research on them and decide which one is for you or maybe you could even phone them up and speak to them....both have freephone numbers I think.

 

I would avoid any companies that charge for the service of debt management.

 

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I have a cousin, severely depressed over £27,000 of credit card debt to MBNA and Egg, she was cping fine, untill she got made redundant two months ago and is now strugging. She was hoping to clear all off with a bonus she was expecting but got hit by the Crunch.

 

I have convinced her to go with Payplan, but she only wants to deal in writting as she has had terribly bad experience recently with RMA chasing for December's missing payment for MBNA, despite her contacting MBNA in advance of the payment (which is the only one she has ever missed) about her dificulty and asking for a breathing space while she tries actively to sort herself out. So I guess my question is, can she deal with Payplan and sign up all in writting / the web or would she have to call them and speak to them ?

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I have a cousin, severely depressed over £27,000 of credit card debt to MBNA and Egg, she was cping fine, untill she got made redundant two months ago and is now strugging. She was hoping to clear all off with a bonus she was expecting but got hit by the Crunch.

 

I have convinced her to go with Payplan, but she only wants to deal in writting as she has had terribly bad experience recently with RMA chasing for December's missing payment for MBNA, despite her contacting MBNA in advance of the payment (which is the only one she has ever missed) about her dificulty and asking for a breathing space while she tries actively to sort herself out. So I guess my question is, can she deal with Payplan and sign up all in writting / the web or would she have to call them and speak to them ?

 

 

Firstly apologies to roko20650 for the hijack of your thread.

 

 

Hi mnoesere and welcome to CAG ,

 

I have no experience of Payplan but have with CCCS.

 

I'm pretty certain that your cousin will have to speak to Payplan as there are certain nuances and questions that are specific and personal to each DMP they set up.

 

Try to get your cousin to call Payplan while you are present so she can seek instant support.

 

If you do have any further questions, please can you start a new thread so any advice you want or get, will not be lost in roko's thread.

 

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Thanks, for the info, the company I have spoken to recently want to charge about 17% plus an admin charge up front of £250! I will speak to CCCS and/or Payplan as I have so many questions to ask.

 

Give them both a call and see who you prefer - both are very helpful.

 

 

Another good helpline is National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000 which is free and impartial.

 

Of course if you have any further questions then just post them up on the forum - it's open 24/7 :D

 

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  • 4 weeks later...
I asked them to send me a copy of my credit agreement and they have now done so, they say in their letter "signed" copy of my credit agreement but its not signed. What happens now?

 

You need to scan the document and post it on here,someone can take a look at it to check if it is enforceable or not.

 

Once that's established you will be given the best advise on what to do next.

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i'm only a newbie, but I should say what they have sent you is T's &C's. This is not a Credit Card Agreement. Therefore they have not complied with your request.

 

Can any experience members comment please?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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All they've provided is the terms, I'd be tempted to send them Scots letter below & see what their response is;

 

Re: my request under the Consumer Credit Act 1974

 

Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974.

 

The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter.

 

My request remains outstanding. The items you sent in your reply, does not constitute a true copy of any credit agreement that may or may not have been signed by me on the opening of this account. It neither confirms that I am liable for any alleged debt to you, nor gives me any chance to evaluate whether any original agreement was ‘properly executed’.

 

I still require you to send me a true copy of the original credit agreement that you allege exists.

 

As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law.

 

You had until XX/XX/2008 to provide me with the true copy I requested. You are now in default of my request. Any account I hold with you is now in legal dispute. Whilst the account remains in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you.

 

Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agency.

 

To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this.

 

The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office

 

To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies.

 

Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me.

 

 

I look forward to your reply.

 

Yours faithfully

  • Haha 1
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  • 2 weeks later...

Received a phone call this evening and in that they admitted to me that they would not have a copy of a signed credit agreement because they are an internet service, but I would have ticked boxes indicating that I accepted their terms and conditions. They have not replied in writing to my letters. What now? If this going to be enforceable does anyone think?

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  • 1 month later...

Please can someone take another look at this agreement and let me know if its enforceable or not, bearing in mind they are an internet company and everything is done by mail. The enclosure they sent me is re-attached. I am getting lots of call from them and I have now sent a harrassment letter to them.

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It's not enforceable no.

 

If you applied for this online, at the very least they should have included a screen-shot of your application/agreement. Even then, depending on when you applied, it would not necessarily be enforceable.

 

When did you apply online?

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That's what I thought, thank goodness, I think I applied in 2000 but certainly I have had the card for many years. How should I respond now if they keep phoning me, they can be quite aggressive, accusatory and judgemental.

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