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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. 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. Can a PPC (claimant) 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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Please help me solve my Halifax Hell


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Sorry - there's just too much to do and not enough time. I'm afraid we simply can't get to every thread and every post as urgently as you would like, but we do our best.

 

If you have a situation where an urgent answer is needed and you've waited a couple of days, send a link for the thread to a Mod by PM.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Ok update......court papers deemed as served on the 21st Oct, (if anyone is bothered)........ see what happens next.
My court papers were also deemed served on the 21st. Hope it doesn't take long for them to respond, I am sick of being on tender hooks, I put my papers in to court on the 29th Sept but due to so many claims the court was running behind. Good Luck with your claim.
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Ok, letter received today. Halifax not admitting liability but would like to offer a settlement...(suprise, suprise) The settlement is £274.24 less than my claim, so I called them to ask how they came to this amount that they considered that I wasn't entitled too and they told me that its because they have checked charges for the last 6 years and they cannot check before 6 years. My claim goes back to 1999. Seems strange that they cannot look back further as when I requested my statements they were from when I opened the account in 1998.

 

Halifax did say that if I have evidence of these charges that they will pay the rest of the money. Well considering that I did send a schedule of charges with the prelim, lba and court claim, I can't see how they can't check them as the evidence is there.

 

Oh well, will double check their figures as the have 2 different amounts in the letter and then may call them again to see if they will budge on the other amount. They did say that they are willing to defend the amount of £274.24 but are willing to pay the £3375.07. Halifax is a very strange bank.....lol

:p :p :pCARMEN :p :p :p

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Quite amazing how ridiculous they can be..... ;-)

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Some links here....

 

2. Authorities

 

 

...........Description .................................................. .............No. of pages

(AA) -- Copy of bank statements supplied by HBOS following (A) - 91

(BB) -- Copy of spreadsheet supplied with claim detailing specific dates

and amounts as requested for refund - 1

(CC) -- Data Protection Act (1998.) - 53

(DD) -- Data Protection Act (1998.) Schedules - 53

(EE) -- Unfair Terms in Consumer Contracts Regulations (1999) - 10

(FF) -- The Supply of Goods and Services Act (1982) - 13

(GG) -- Unfair Contract Terms Act (1977) - 9

(HH) -- Office of Fair Trading Report April 2006 (OFT842) - 35

( II) -- House of Commons Early Day Motion (EDM 2227) - 1

(JJ) -- House of Commons Select Committee on Treasury

Second Report: ‘Transparency in charging’ - 10

(KK) -- Report by Kendall Freeman on Liquidated Damages (May 2005) - 3

(LL) -- Case Law Reference: Dunlop Pneumatic Tyre Co Ltd

v New Garage & Motor Co Ltd [1915] AC 79 - 2

(MM) -- Case Law Reference: Alfred McAlpine Capital Projects Ltd

v Tilebox Ltd [2005] EWHC 281 (TCC) - 2

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Right, tried to check their figures with mine and have no idea how they came up with 274.24 they think I am not entitled to as there is only 1 charge from 1999.

 

I really think that the people of hallifax bank need to resit their maths GCSE as they state that they are willing to pay 617 that is the 8% interest for all the charges but that I am not entitled to some of the actual charges. Figure that one out....lol

 

Will be calling them tomorrow to point this out to them and to let them know that I require full payment or I will see them in court. Let you know what they say tomorrow.

:p :p :pCARMEN :p :p :p

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Ok, halifax playing games now. Called them on monday, requested a breakdown of the £274 that they say I am not entitled to, told them that I will not accept any offer until they provide this information.

 

Called them today to check if information had been sent, found out that the woman I spoke to on monday took it upon herself to credit my account (that I have no access to) with the offer they put forward and hasn't done anything about the information I require. I am so angry.

 

Told them that they had better get her to call me asap. If they don't then I will take it all the way to court.

:p :p :pCARMEN :p :p :p

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  • 3 weeks later...

Well update, accepted their offer as part payment, received detailed breakdown of the money they say that i'm not entitled too and they say its the interest that was taken from my account when it was overdrawn but my account was taken overdrawn by their charges so am i entitled to claim the interst back?

 

I'm assuming I am entitled to claim the interest back as i wouldn't have paid so much interest if they hadn't taken my account over its overdraft limit!

 

Help anyone?????

:p :p :pCARMEN :p :p :p

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ok guess no-one likes giving advice to me!!!!!!

 

Bear in mind the moderators and helpers are busy little bods with all the people there are fighting claims on this site. If you've been overlooked then that's probably why.

 

I'm only making my own claim, I'm no expert or anything, but would suggest that you point out that this part of your claim is the interest they charged for being overdrawn when the only reason you were overdrawn was because of their charges, which they've now agreed to refund.

 

As long as you can clearly show that these interest charges, and the 8% they've accrued since, were over and above what you would normally have paid then they should be able to track that from the account information.

 

My guess is that there's some mistake in the calculations, and they are disputing it for that reason. They'll not be helpful enough to explain just why or where though.

 

I'm sure I've read other threads on this site that explain how to work it all out, might be worth looking for ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 2 months later...

HI, ok I have been away for awhile but here is an update. Judgement was filed on the 15th Jan, I called the court to see if Halifax had tried to appeal against it but nothing, so I called the bank yesterday, spoke to a real snotty cow who could not understand why I had asked for judgement as I had received payment. I then went on to inform her that they had not paid the full amount as they were disputing a small part of the amount. She then asked me that when I received the money did I sign anything, told her no and that I have been waiting for them to put in a deffence. Now apparently they are having to look into my case as they have no idea what is going on with it. What I don't think that they have realised is that the claim also included the removal of a default, which I will remind them of. If I get no satisfaction from them, then it will be my pleasure to contact the court enforcement team and get them to go into the bank and claim what is mine!

:p :p :pCARMEN :p :p :p

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Ok, another update, have just spoken to Halifax bank and they are sending me a cheque for the remainder of the money and then I remindered them of the removal of the default notice. OOPS on thier part as they hadn't noticed that the claim required the removal of default, so the kind man who is sending me a cheque is also gonna get intouch with the legal dept and see how to go about removing the default. Judgement has been pasted and I don't think that they can appeal against judgement after this long and fight the default notice in court, anyway i hope they can't!!!

:p :p :pCARMEN :p :p :p

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you sound as if you are having a long journey with the halifax, just like me.

my claim started in july and im still going with them.

i am claiming back to 1991 worth of charges. they have already paid me the last 6 years but they are defending the years 1991-2000. i have put my court bundle together and its ready to post 14 days before hearing. hearing is 23 march.

do you know anyone who has won previous 6 years?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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I think the best thing to do is give them perhaps 48 hours and see what response they come back with. If nothing, or if they still believe they don't have to alter your CRA files, then by all means seek the intervention of the court.

 

The Judge would order the removal as part of the DPA.

 

I think the Halifax might still seek a set-aside but I really don't know what they would argue - best to wait and see on that one.

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 months later...

Ok, I'm stuck with halifax again, judgement has been passed halifax paid all the money but i'm still fighting with them about the default removal even though that was part of my claim and in turn as judgement was passed shouldn't they have to remove it. They are saying that they don't, anyone know what the next step is and can the court do anything to make them remove it?

:p :p :pCARMEN :p :p :p

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