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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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      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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MBNA sold to Experto - no CCA


LB145
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Hi All

 

I received a letter from Experto Credite to make a payment on MBNA credit card. I would not go into detail but I am in the same boat as everybody else. No CCa no SAR nothing and refusing that they have any request from me . Anyway I rang experto and the man was not very helpful instead threating and I have told him unless i see anything solid from MBNA i would not discuss the matter further and he said that ok i get that sent to you but once we have done that we will be demanding full payment straightway blah bah.

Their letter states that they know where Am I? what I do? and where Am I hiding from them blah blah

It is quite scary .

please help as i am upset and have no money to pay ........

IVA Bankruptcy and debit managment all beyond me as i am unable to afford any of these.

urgent help please

Hussy

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Hi Hussy,

firstly don't ring these "people" up and use that term very loosely.

The whole point of a DCA is to try and squeeze every penny they can from you. For this reason NEVER phone them if they wish to lie and tell you untruths let them do it in writing. Exspurto send silly text messages and phone up even when told not to. The good news is that it's probably unenforceable as these monkeys buy them cheap.

 

Do you have a default notice from MBN@? Does it ask for the full amount? Have they given the correct amount of time? Start a thread in the MBN@ forum you will get loads of help, people here love mbn@. If you can scan your letters up remove any personal info though.

 

Have you sent a CCA request and SAR to MBN@?

 

Pumpytums

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Sent letter to MBNA informing them that it has been 91 days since they received my SAR request acknowledged by them on 1st & 5th March promising to resolve by 2nd April!!!!!!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Off to the ICO then

 

Hi Vint - please elaborate for me and any others (of whom there are many) that may be in the same situation - thx

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Have you sent a letter before action to MBN@? That should also perk them up.

 

Pumpytums

 

Yes sent a letter to MBNA no response back yet - although Experto has started phoning all the numbers again - even my mobile - this is my OH's account.

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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  • 2 weeks later...

Sorry not updated recently needed to help friends with personal issues (very time consuming especially when you haven't got much of it - but us Caggers know we all need good advice and support :D)

 

Still no information re SAR from MBNA we are way past 100 days now!!!

 

REceived another letter from Experto - "despite our attempts to contact you in relation to the above matter, we have yet to receive direct contact with you, by telephone or correspondence" followed by the usual rubbish of your account is registered at the Credit Bureay, you will have trouble obtaining credit inthe future blah blah blah - um err... was those the phone calls when I told them to "read your correspondence that has been signed for" and promptly put the phone down.

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Experto sending text messages to my phone - told them on many occassions this is not my other halfs phone number!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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  • 2 weeks later...
Still not heard a thing since early March!

 

Tempting fate! ;)

 

Hi Dotty - good to hear from you - Still no response from SAR request - have been really busy and have finally sent complaint to ICO - very straightforward - emailed rather than posted just more scanning of documents! :eek: This is the link below if needed. Experto are still calling my mobile, sendign texts etc. Will try to send another letter of to them tomorrow.

 

My other MBNA is in court soon for SJ hearing - fingers crossed and everything else for that matter that I keep my head and talk without tripping over my own words! :eek::eek::eek:

If not contact the Information Commissioner`s Office (Information Commissioners Office )

 

Complaints - Access to Information and Personal Information Rights - Information Commissioner's Office (ICO)

 

 

user_offline.gifreputation.gif report.gif

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Hi LB,

 

Wonder if ICO will be as efficient in responding to you!

 

I hope your other case goes ok, I really dread anything landing on my mat from court but there just doesn't seem to be any pattern or reasoning why people are singled out!

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3 letters arrived today from Experto!!!

 

Letter 1 - "I write further to your recent correspondence. As we have no contact telephone number for you, please call me directly on ******* that we can discuss the content of your letter in detail."

 

Letter 2: Exactly the same as Letter 1

 

Letter 3: "I write further with regards to unanswered previous correspondence.

 

MBNA have informed us that any requests regarding SAR or copy agreement was declined as the same was dealt with earlier last year when originally requested.

 

They have also informed us that you stated the debt would not be paid unless a full and final settlement was accepted, which it was not and no figure was mentioned anyway.

 

Please not that should we not hear from you by return with regards to you immediate proposals to settle your liability , we will be left no option than to instruct our solicitors to issue you with a statutory demand and you will then have 21 days to pay the above balance in full" their spelling errors not mine!

With regard to the full and final settlement - they MBNA sent a letter regarding a partial settlement and followed with a call - not normally speaking with them on the phone my daughter actually passed the call onto me and it was stated that a Partial settlement would not be acceptable as the debt would still be recorded on file - it ws stated that their would be not partial settlement only a full and final if we agreed the amount! MBNA then sent a letter regarding Partial settlement and a date to settle - there was only one phone conversation and the letter was not replied to as it did not offer the Full & Final !

Any comments?

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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So good old Exspurto show their true colours what a complete bunch of muppets. Issuing a SD is a complete abuse of process, it can easily be set aside.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/258608-capquest-have-issued-statutory.html

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/155477-sd-received-post-day-3.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/260863-statutory-demand-cap-quest.html

 

If they send you one contact postggj he is great with them.

 

The other good news is that you will probably get costs £300ish.

 

 

Firstly Exspurto cannot issue a correct SD as they do not own the debt have they ever sent a NOA saying they own it? Nope it's good old Varde.

 

Statutory demand generally used as a bluffing technique, why issue a SD when you can simply take someone to court and get the lot + costs. They still have to prove they are entitled so the CCA, DN etc all have to be in order.

 

Our "special" friends usually issue these when they get a whiff of a settlement offer.

 

Have a look at postggj threads especially the one he answers to.

 

If you get a SD it will probably come from Fairfax sols their "tool" of choice.

 

One more thing have MBN@ sent you £10 back for the SAR they wont be sending you.

 

The relevant act is as follows:

 

http://www.opsi.gov.uk/acts/acts1998/ukpga_19980029_en_3#pt2-l1g7

 

I don't believe they can refuse to send your SAR.

 

I hope this helps.

 

 

Pumpytums

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Thanks Pumpy I will have a read when I get a moment - much appreciated.

 

no £10 has not been refunded or any indication from MBNA that they were refusing to send it. Also no CCA has been sent only the Applicatin Form several times again and again - still this is not a CCA!

 

DN was faulty and debt was almost probaly sold to Varde prior to the settlement date on the DN as their letter came dated the next day - probably the reason that they are refusing the SAR request!?!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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One more thing LB145,

did you send the SAR to MBN@ or Explurto Clowneqie?

 

Pumpytums

 

Requests sent to MBNA -previously requested May/June 09 they sent package on 10th September 09 obviously things progressed and I sent a second request Feb 2010 to get the latest info kept on file! Both with £10.00 PO of course

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Hi LB

 

I see pumpytums has given you some links regarding SD's, I was reading some threads about these recently and at first sound a little alarming but you then see that it seems to be another scare tactic!

 

I know we are always advised not to call but wonder if you should contact the data controller, in order to get your SAR. As you say maybe they don't want to send the later information because it will give you the evidence of UR.

 

Don't really know what else to suggest, sorry.

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I would consider writing a letter to Exspurto again acknowledging no debt to them and simply ask why are they replying to the SAR request you sent to MBN@. The muppets at EC have absolutely zero input in this and to be frank it's none of their business. I would then get in touch with the ICO and report MBN@ for their breach.

 

 

Read up on the SD, and just familiarise yourself with them and the process at getting them set-aside. It's pretty straight forward and postggj loves to help with them. He is great. One more thing if EC are stupid enough to get their solicitors to send a SD once it's set aside they can never pull the same trick again.

 

One more thing LB, just check out the following link:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/261741-statutory-demand-sos-can.html#post2969044

 

The Claimant was put as Varde but with Heidi they tried the trick of Pre-dating it then posting it to her which is very naughty indeed.

 

Pumpytums

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Hi Pumpy - thanks for the input have been reading throught the SD links you suggested - and trying to get my head around it - I never realised that an SD is the start of bankruptcy - this acct is my husbands and it is now OVER £18K - we are both self employed and home owners (MORTGAGE) - so I suppose this is their scare tactics! Will send a letter to 'Experto today if I can get my computer sorted - my computer has freaked out and shut down on me telling me that my windows is not activated - probably a virus :mad:- fortunately my son has left his laptop at home and found it whilst clearing the crap left in his room!so I am able to post on here

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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I have never heard of Exspurto actually seeing a SD through they have issued them though. Just something to be mindful of, it's an old trick that most DCA's have grown out of. As Exspurto cannot even seem write yet though it's no surprise they resort to such Kindergarten games.

 

Pumpytums

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  • 2 weeks later...

I haven't writen to Experto since last letter as been busy on other thread - today phone call to house - told him OH not in - starts going on about not responding to letters - get husband to ring - told him that wont happen doesnt get in till late - next thing my mobile ring "Oh Mrs ? your answering your husbands mobile as well" No this is my mobile I reply stop calling it - he wont answer it as its not his -" WILL KEEP CALLING UNTIL HE REPLIES AND GIVES US ANOTHER NUMBER"

 

eXTREMELY RUDE AND NEVER EVEN ASKED WHO i

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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