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    • 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.
    • 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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    • 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.

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HELP DCA Taken money from my account!


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All this talk of fraud, theft and criminal activity is just stupid. If you think the Police are going to take the complaint seriously and do anything about it, or that a bank is going to pursue legal action or that anyone will get involved you're living on another planet.

 

Not always true. I have had criminal complaints pursued against insurance companies for various acts of fraud. No entity is immune from prosecution and it is always possible to commence a private prosecution. If you report a suspected theft to the police, they must follow it up. If no action is taken, then lodge a complaint through the proper channels. If you write to a senior officer setting forth in concise language the nature of your complaint, then it will be looked into. DCAs are, despite what they would have us believe, accountable for any breach of the criminal law.

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Not always true. I have had criminal complaints pursued against insurance companies for various acts of fraud. No entity is immune from prosecution and it is always possible to commence a private prosecution. If you report a suspected theft to the police, they must follow it up. If no action is taken, then lodge a complaint through the proper channels. If you write to a senior officer setting forth in concise language the nature of your complaint, then it will be looked into. DCAs are, despite what they would have us believe, accountable for any breach of the criminal law.

 

I agree, it would be the wrong thing to do to just sit back and let them get away with it, they are probably doing it to many, many others and if no body complains they will carry on regardless.

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Not always true. I have had criminal complaints pursued against insurance companies for various acts of fraud. No entity is immune from prosecution and it is always possible to commence a private prosecution.

Well said...it is quite feasible that hundreds of people have been defrauded in this way, but, because the organisation is either a Bank or a large retail outlet, etc, they have never thought to question it in the past. I am of the view that because I give say, TV licensing my bank details or card details one year to pay for my licence, that does not give them the right to automatically take the same amount or any other amount from my bank account without my express permission. I may be completely wrong, but the way I see it is that it is no different than having your credit card details "skimmed" at a cashpoint by theives, therfore it is a criminal offence which does carry a maximum sentence of 5 years.Card Watch - Card Fraud Prevention - Home

 

Fraud Act 2006 (c. 35)

 

 

Theft (Amendment) Act 1996 (c. 62):cool:

Edited by Bazooka Boo
Further Info..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You're not going to get anywhere if you go down the fraud / criminal activity route, though feel free to waste your time, effort and energy if you want.

 

You've got a better chance of causing them problems if you target their merchant card processing facility. Charge backs are not good news for anyone who accepts credit / debit cards, if they start getting too many it will result in higher processing charges and in a worse case scenario the loss of the facility. It doesn't matter whether they win or lose the charge back, just the filing of a charge back counts against them.

 

If you can find out who their merchant card facility is with, make a complaint to them as well. I'm not aware of how you'd find this out but you could always ask your bank or credit card company when you make the charge back complaint. Though there aren't many actual providers of this type of facility in the UK, chances are it will be one of the main high street clearing banks (Barclays, HSBC, Lloyds, Natwest).

 

The other route would be to make a complaint to the card scheme itself, ie American Express, Mastercard (which includes Maestro, Switch and probably Solo as well) or Visa, as they are the ones that set the rules. If they start getting a lot of complaints against someone who accepts their cards they are likely to investigate it further.

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  • 2 months later...

Hi there

 

Some of you may remember this thread...

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/181501-help-dca-taken-money.html

 

Well today I finally got a reply back from Barclaycard today, very apologetic letter but basically saying that as they have some passed the debt on they can't do anything to help me as they now have nothing to do with the debt.

 

They advised me to contact Citizens Advice and the FOS - I have contacted the latter but haven't heard anything from them, so am a little suspicious as to whether they have received my complaint against CSL.

 

Anyway, BC aside I have heard nothing from CSL. NOTHING!

 

My bank retreived the money back from them, so a small *yay* for HSBC there.

 

They took the money on 2nd February I think. No phone calls, no letters from them.

 

It's odd don't you think?

 

Anyway I just wanted to know what you guys think I should do now?

 

Should I write to CSL (bearing in mind I vowed I would have nowt to do with them) or should I leave it for them to suddenly contact me and get very nasty perhaps?

 

I really don't know what to do now, wasn't expecting that reply from BC to be honest, thought I would be able to now deal with them!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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In what way did they take this money exactly?

Was there a SO or DD set up on the account or did they have your bank card details?

They are the only ways money could have been taken from the account.

If so..make sure all SO's & DD's are cancelled - also cancel your bank card & request a new one.

Did you complain to your bank? if so, they should be able to refund you the money.

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It says above what happened.... That my bank got the money back.

 

No DD or SO they took it from my card when they weren't meant to be holding my card details.

 

I just need to know what to do now.

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I cancelled my card the minute after I knew they had done it, I am not asking advice about any of that, I am asking advice as to what happens now BC have said I cannot deal with them as the debt was passed to CSL.

 

Because of what CSL have done I do not want anything to do with them, yet I still owe this money.....

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I'm going to ask one of the site team to add this to the original thread to stop any confusion. ;)

 

Sorted :)

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am not entirely sure but I would have thought there actions have put you in a good position, I would think they'll have to tread carefully now as taking an unauthorised payment is not a small matter.

 

In fact as I understand it to take a payment as cardholder not present requires that they have confirmation from the customer that its ok to do this. Fraud I believe.

 

If they dont want things to come out in court later on then they will be treating you ever so politely.

 

Just my humble opinion.

 

S.

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Because of what CSL have done I do not want anything to do with them, yet I still owe this money.....

Unfortunately we can't pick & choose which DCA we want to deal with.....if only. ;)

 

The best thing now is to wait and see what their next move is going to be. :)

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If CSL were acting as collection agents for Barclaycard then BC are still responsible for their actions.

 

However, I strongly suggest you make a complaint to both Trading Standards and the Financial Ombudsman.

 

Have a read of the thread in the following link.. it isnt very long :)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/162227-why-you-must-complain.html

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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OHMYGOD!!!! I cannot believe this.... the b****ds did the same to me....same DCA CSL, collecting on behald of Barclaycard!! I have telephoned them and they told me to put my complaint into writing, which I am in the process of doing and they will investigate this further....did U report to OFT and TS? I certainly will be as well, and I will be making a complaint with BC regarding the DCA's they employ and the methods they use!

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