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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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      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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Help With HSBC Default Notice Please


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Hi all,

 

I recently sent my CCA request to HSBC for my Harvey Nichols account card and they responded with the letter shown below

 

HSBC1.jpg

 

With help from fedup74 I used this template to reply

 

Dear Sirs,

RE Account NO XXXXXXXX

Thank you for your letter dated xx/xx/2008 the contents of which are noted.

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2008 and the 12 working days for your compliance expire on xx/xx/2008. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

I look forward to receiving the documentation requested

Yours faithfully

Print dont Sign

 

They received this on the 20th and replied immediately with the letter below which I received today

 

HSBC2.jpg

 

So my question is, where do I go from here?

 

Their letter also makes it sound like they aren't accepting the first request at all and the CCA request 12+2 days will start again from receipt of a signed CCA request.

 

I also received a letter from Creation Finincial who run the Selfridges account card refusing to provide me with a copy of my CCA for this card without a signed request.

 

Creation1.jpg

 

TIA!

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For the SAR....sign a letter and put crosses through it so it can't be 'lifted'....as for HSBC, tell them that once they have located the agreement to send it to your local branch so you can pick it up. OR make a CPR 31.16 request !!!! - have a read - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/176937-pearlypinks-mint.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

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I've seen lots of threads on this forum wher it has been suggested that people might abuse your signature and therefore you shdouldn't sign anything.

 

The truth is that I expect that this scarcely has ever happened - especially with the kind of organisation that you are dealing with here.

 

I expect that they have copies of your signature on file and if they wanted to go to that kind of trouble then they would go straight ahead and do it.

 

I fully expect that the industry is greedy and dishonest but I don't expect that your signatire would be misused in these circumstances.

 

Sign the letter. If you want, use a slighlt different flourish in one or two of the letters.

You'll keep a copy of course - won't you?

If you ever suspect that they have used this signature on some other document, you will be able to show a judge very easliy that your signature was forged.

How very delicious to discover a scandal like that. You would also be able to show it to the police.

Go ahead, sign the thing and give your attention to the CCA which at the end of the day they may not be able to send you.

 

Mind you, 42man's advice is very good and certainly there should be no objection to you collecting it at the branch

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  • 2 weeks later...

Hi all,

 

Well I sent off my CCA requests to Selfridges (Creation Financial), Harvey Nichols (HSBC) and MBNA.

 

After Selfridges and HN wrote to me requesting signed requests, which I sent, I received a copy of my signed CCA from Selfridges but nothing since from HN and no response whatsoever from MBNA.

 

So where do I go from here? Can I stop paying HN and MBNA as they have not responded? Is there a further letter I should send to start negotiations for a reduced debt?

 

Also with the signed CCA from Selfridges is it possible it's still unenforceable? Should I scan it and post it on here?

 

And lastly should I be refraining from using these cards any further?

 

TIA!! Hope you are all keeping warm!:)

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Firstly, I'm no expert but learning a considerable amount on here. I think most will agree you shouldn't have signed the requests from them. People on here have stated that they have been known to "lift" signatures. Funny that they have now sent you a "signed" request. I'm not saying they have lifted it whatsoever but it is feasible. Others will probably suggest the same.

 

They are happy to send statement to your address, and don't require a signature for these, so why require a signature, they already know your identity by them sending you statements.

 

 

Unless of course you printed your signature or made it impossible to copy, ignore my above comments..........lol

 

Taz11

Taz11 v NatWest/Triton: Unenforceable :D

Taz11 v BOS: Unenforceable :D

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I put crosses over the top of my signature,

 

good, my comments are to be ignored then...lol

 

I'm sure others will advise on the legality of sending you a cca without the creditor requiring a signature, but if you have crossed it, I would assume they would have a responsibility to send it.

 

I requested mine from MBNA, without a signature, and only received anything after the 12+2 days when I sent them an account in dispute letter, and stopped paying. This seemed to kick them into gear a bit...lol

 

good luck

 

Taz11

Taz11 v NatWest/Triton: Unenforceable :D

Taz11 v BOS: Unenforceable :D

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Hi all,

 

I've still had no response from MBNA or HSBC (re: Harvey Nichols store card) regarding my CCA requests......they had till the 31st January to respond.

 

Where do I go from here? So far I am not in arrears in payments to either but I'm planning on not making the minimum payment to MBNA this month as they have not responded and if I understand correctly this means I am now able to dispute the debt.

 

I would like to negotiate the debt down, where do I start?

 

TIA!! :)

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Firstly... they are in breach of the CCA by not responding so officially they should be able to process your information (credit reference agencies) but as the governing bodies are as toothless as a 90year old granny not much hope of that...

 

So if you dont want the risk of your credit file being affected keep paying the minimum payments until you buy/mortgage especially in the current prime mortgage lending only market.

 

Send of a Subject Access Request, templates are on here and it costs £10, this will give you a complete set of statements, if there are any charges in there or PPI, perhaps a claim for either or both of these will work to reduce the debt prior to you getting a mortgage

 

*Edit* This will also show the total amount borrowed / paid back / interest / charges, could help you gauge how much of a full and final offer you think they'll accept!

PmW

 

If you search other threads of the same ilk (xxxx vs bank/credit card firm) you'll find copies of letters to send which will just need slight tinkering to your circumstances.

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There are no charges on the accounts I could claim as I have always kept up the minimum payments.

 

I want to write to them stating that as they have not sent the CCA they are now in breach. This will hopefully be a starting point for negotiating the debt down to then pay off in full and clear it once and for all

 

Is there a letter that does any of this?

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There are no charges on the accounts I could claim as I have always kept up the minimum payments.

 

I want to write to them stating that as they have not sent the CCA they are now in breach. This will hopefully be a starting point for negotiating the debt down to then pay off in full and clear it once and for all

 

Is there a letter that does any of this?

 

:eek::eek:

 

I think you need to read thru some of the threads here to get an idea of how unreasonable these firms are.....

 

You complain.. they file under b for Bothered! f&f offers normally take place with the debt recovery agencies who pay only 10%-15% of the total debt and can make a profit.

 

Like I say if you want a letter offering F&F offers do a search for it and you'll find a thread with a template-ish letter to send.

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Are you sure that is correct? fedup74 responded to one of my previous threads and stated that MBNA had offered them a reduced balance of £3k on a £8.5k debt......I was hoping to negotiate a similar arrangement

 

I did put in the caveat of "normal":)

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Hi out of the red. You could send them this letter to see if it produces anything- an agreement or an admission that they don't have one. If they are having difficulty in finding your agreement it will give you more bargaining powers if you did want to offer a F&F, although if there is no agreement you are under no obligation to offer them anything. I understand you don't want anything to affect your credit rating but MBNA do not play by the rules anyway:rolleyes: Just edit the letter to suit:)

 

 

In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letters of xx/xx/xx and xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On **DATE** a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the **DATE** I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

And

 

(b) If the default continues for one month he commits an offence.

 

Therefore this account has become unenforceable at law.

 

You have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

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