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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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Termination of hire purchase without a Default Notice


chez262
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Ok, I received my 2nd Termination Notice today and will therefore be posting them a Subject Access Request tomorrow.

 

I presume this is the only thing I can do right now... oh and wait of course? ;)

 

DN.jpg

 

Hi Viscount, if your out there can you please explain why this DN might be in the prescribed form? I thought it looked OK :confused:

 

Can anyone else elaborate please, I'm trying to form my defense :eek:

 

Thanks.

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Chez, there is a poster on here called Banker_Rhymes_With who would probably be able to inform you on the payment after the termination (he's pretty into that area), but my view on it would be that once they have terminated a contract it is kaput - null and void, and that's that.

 

The only way they could re-instate it would - IMHO - be if they got a new agreement signed, as once a legal contract has been finished I really don't see how they can decide that actually it is back on, regardless of if you paid or not.

 

Again, only my opinion but after the agreement had been terminated I don't see how they could accept payment? They could have re-instated it and then accepted money towards the arrears, but until that happened, any money you paid would have been towards a dead account.

 

I think there's been a bit of jiggery pokery going on there, and although the form of the DN being incorrect will certainly help, I would try and get more info regarding the termination aspect too.

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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  • 1 month later...

A quick update on my situation and they just can't stop messing up!

 

They have now terminated for the 3rd time just over a week ago and today I had a voice message on my phone from a guy claiming to be from the creditors 'Asset Collections Department'. He said he'd been to the property to collect the equipment but the property was closed... he wants me to call him back to arrange collection of the item.

 

As kindly suggested above, they need a court order to collect this, right?

 

I sent them a Subject Access Request on the 30/4/09 and still awaiting the response.

 

Can anyone please suggest what I should do now?

 

Thank you :)

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Yes, they need a court order.

 

Attempting to repossess the goods without either your agreement or a court order is a no no.

 

Out of interest (but it should be irrelevant), did they send a third so-called DN? (I say so-called because the first two weren't actually valid DNs.)

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A quick update on my situation and they just can't stop messing up!

 

They have now terminated for the 3rd time just over a week ago and today I had a voice message on my phone from a guy claiming to be from the creditors 'Asset Collections Department'. He said he'd been to the property to collect the equipment but the property was closed... he wants me to call him back to arrange collection of the item.

 

As kindly suggested above, they need a court order to collect this, right?

 

I sent them a Subject Access Request on the 30/4/09 and still awaiting the response.

 

Can anyone please suggest what I should do now?

 

Thank you :)

 

The account is in dispute. You will need to send a letter stating that you will only want contact via letter only (registered letter). Phoning or face to face visits without recordings is no good. What you want is a paper trail that you can defend with. They should send you a letter within 14 days, stating that they "looking in to it". Note: you do not need to prove who you are, stalling tactic, do not sign any paperwork with your real signature. Hand print it only.

 

If they call you non-stop send a harassment letter, hang up the phone. Do not do security checks on the phone, you do not need to.

 

They are giving you the run around, take control,use this website, there is loads of info.

 

Trooper68

Trooper68:)

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Hi Viscount,

 

Yes they did, a week or so after the 2nd termination :rolleyes:

 

Do I keep quiet until I receive the SAR or tell them to back off? I don't want to put my foot in it at this late stage

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They've already terminated wrongly twice and they can't say you affirmed the second time (even if - repeat, if - they can for the first one).

 

Was the third "DN" right?

 

Even if it was, I would tell to shove off, you have nothing to lose by doing so.

 

And I would remind them - in writing - that they need a court order, which they have no right now to get.

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Thanks Viscount, much appreciated.

 

It's been 40 days today since I sent the SAR and I am still awaiting a reply from this. Should I wait until I receive this before I write to them?

 

What sort of things would I put in the letter? I'm sorry, I don't have a clue what to say to them. Do I tell them the account is in dispute or is there a template letter for this?

 

Thanks again everyone for your help!

 

Ok another hitch has arisen... the royal mail do not have receipt of delivery for the SAR!!!

My concern is that they will now proceed to obtain a court order for the goods.

If a send another SAR, does that mean the account is in dispute and therefore put it on hold or do I have to request this in a letter???

 

Please please help...

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First things first:

 

http://www.royalmail.com/portal/rm/content2?catId=69800733&mediaId=80300735

 

That will get an investigation started to track down the SAR.

 

Whether or not an SAR was received is really irrelevant to whether or not an account is in dispute. An SAR is only a request for information.

 

The lack of a valid DN before termination is grounds enough for a dispute.

 

Write to them pointing out that they would require a court order to repossess the goods and that having terminated the contract without having served a valid DN they have repudiated the contract and are precluded from obtaining a court order. Any attempt to seize the goods without a court order will be theft and conversion, exposing them to criminal and civil liability. Continued phone calls will be regarded as harassment, again exposing them to criminal and civil liability.

 

Don't get drawn into issues about affirmation at this stage.

 

Can you scan and post up the 3rd DN for us to look at?

  • Haha 1
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Yes I'll scan it up ASAP, thanks Viscount.

 

My concern is that once I inform them of the fact that they have sent invalid DNs before terminating they will include a fake DN in the SAR as if they corrected the mistake before termination or am I being too sceptical here?

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Hi guys,

 

Yes the agreement was with me as I was in a partnership, not a ltd company hence it being a consumer credit agreement... Thanks for noticing ;)

 

The equipment was to be used in a shop though, however I think this become irrelevant when signing the agreement.

 

They have now sent me the information from the SAR and they have as I thought, terminated the agreement as follow,

 

Payment was due 1st

Reminder sent 5th (to business which couldn't receive mail)

Reminder sent 14th (to business which couldn't receive mail)

Termination letter sent 21st (to home address therefore received)

Reminder, DN, Termination received 3 months later.

Reminder, DN, Termination received another month later.

 

Neither of the DN's were of the correct format either it seems.

 

How do I put this account in dispute?

 

Thanks.

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On one of the documents they sent me as part of the SAR which details all contact, it says the account has been passed to a DCA.

 

Do I write to them informing them I don't think I owe anything due to the unlawful termination or just wait until I receive a court order?

 

However saying that, they are trying to contact me to collect the goods via phone without a court order! :confused:

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  • 3 weeks later...

Hi All,

 

A quick update on my situation with my HP.

 

I have sent a letter stating I believe I owe the company nothing due to the Termination on January 21st. They have replied with,

 

'we enclose a copy of a the default notice issued on 1 May 09 in line with the CCA, and trust this clarifies matters for you. This letter has now been passsed across to our solicitors and any further correspondance should be sent to them'

 

I'm unsure if I should write to the solicitors in reply to this or leave them to figure it out themselves :confused:

 

I presume they will just proceed with court?

 

Many thanks everyone :)

Edited by chez262
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Hi Chez

 

I'd be inclined to pen a quick note to the sols asking why they are trying to proceed with a case when your account has been unlawfully terminated by the bank.

 

I'd just be brief and polite - give the facts (dates on letters etc), copies of the letters and possibly a very small chunk of the Act showing why they are in the poo if they continue. I would say that adding in any supporting facts would be more to show you know a bit about what you're saying rather than actually informing them of anything - they should know all of it in the first place. Of course if you don't want them to think you have a grasp of this stuff then you could leave that out.

 

I would also cc the bank though with a short covering letter stating your disappointment that they are apparently unable to grasp your clear questions/points and have felt the need to continue with a case they can not win. This isn't like an enforceable or not agreement - DN's are black and white. If it's wrong it's wrong and that's the end of it. If the judge doesn't agree, as far as I've read on here (bear in mind I have no first hand knowledge of court) you have every right to appeal and to ask them to set out their reasoning for coming to the decision they have made.

Time flies like an arrow...

Fruit flies like a banana.

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Hello Chez262!

 

Many thanks for the PM.

 

I regret I have little else to add to what has been said above, you are already in very good hands.

 

The first Termination seems to be the key, if no Default was in your SAR that pre-dated that, then they have rather shot themselves in the foot:

 

Payment was due 1st

Reminder sent 5th (to business which couldn't receive mail)

Reminder sent 14th (to business which couldn't receive mail)

Termination letter sent 21st (to home address therefore received)

Reminder, DN, Termination received 3 months later.

Reminder, DN, Termination received another month later.

It would appear they have blown their Rights to enjoy s87.

 

I'd also argue that the Payment you made after the Termination can go towards any Arrears. Thus, what you still owe now should be limited to the difference between the Arrears and the Payment you made.

 

Cheers,

BRW

Edited by banker_rhymes_with
Typo
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  • 2 months later...

Hi All,

 

A quick update in regard to this case... I have received Court Claim forms and sent in my Defence to the court disputing all the allegations made in the partitulars of claim.

 

The claimant conveniently failed to include the first termination in the POC :rolleyes: which I've built my defence around.

 

Can anyone please help me build a case for the court date on 19th October. Any links to case law would be much appreciated ;)

 

Many thanks in advance,

Chez.

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  • 2 weeks later...

For anyone that is interested... I may have been tripped up here with this case :mad:

 

The agreement signed is headed 'Regulated By The Consumer Credit Act 1974', it also has a section titled 'Important - Read This Carefully To Find Out About Your Rights' in which it explains my 'rights' under the CCA 1974 HOWEVER, and it is a big however, underneath the signature box is the following sentence:

NB If you are a body corporate or if the total of the payments which you must make under this agreement exceeds £25,000 (including VAT but excluding any insurance premium) your attention is drawn to Clause 10 overleaf.

 

Clause 10 is conveniently titled Unregulated Agreement.

My total payable amount at start of agreement was over £25,000 :eek:

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