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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Cabot Financial & Interest Charges on old Vanquis debt


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Cabot Financial purchase an account i had with Vanquis Bank. The outstanding balance when assigned to Cabot Financial was £438.97.

 

I noticed on Cabot's paperwork that the balance is £460.90 so i wrote to them and asked why the debt had increased.

 

I have today recieved Cabot's response ..........................

 

"Following an assignment on 7th January 2009 from Vanquis of all their rights, title and interest in and to the account in question, we are entitled to charge interest at an equivalent rate to that applicable under the original agreement.

As you will appreciate, although Vanquis may have frozen interest on this account for a period of time it has at no time waived it's right to reinstate such interest; these rights are now vested in us"

Are Cabot allowed to charge me interest????

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I guess they can add on whatever they want..but it doesnt mean you ever have to pay it.

They are not even legally entitled to a penny off you for the original debt nevermind for any interest.

Tell them to get lost & report them to the OFT/trading standards.

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Im still baffles as to how Cabot think they can add interest. The original agreement would have been terminated when i defaulted so how can cabot claim that they are entitled to charge interest under the original agreement?!?!?!?

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Hi mr ton ............... you say that "They are not even legally entitled to a penny off you for the original debt" why?

 

Coz only a county court is legally entitled to obtain money off you & there is a proceedure for doing this like having all your outgoings taken into account beforehand etc...

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Do i write to Cabot and as the to provide documentation to prove at which point i have agreed to pay them interest.

Edited by drob
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They can add what interest they like, but until they comply with the CCA request properly with a conforming agreement, they cannot ask for payment or legally add charges etc and you do not have to make any payment to them.

 

VOLVO

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They can add what interest they like, but until they comply with the CCA request properly with a conforming agreement, they cannot ask for payment or legally add charges etc and you do not have to make any payment to them.

 

VOLVO

 

They have supplied a CCA, but surely this will have been cancelled when i defaulted with the OC (Vanquis)

 

This was purchased by Cabot from Vanquis

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Hi Drob,

 

Post up the copy of the CCA they have supplied, to let the experts view it, it may not conform to the regulations and may therefore, be uneforceable.

 

I use photobucket, as good as any.

 

 

VOLVO

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Copies of the CCA

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=7415&stc=1&d=1238078204

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=7414&stc=1&d=1238078151

 

There is also a matter of £72 in unfair charges, Cabot have agreed to write down my account by £72.

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Cabot Financial purchase an account i had with Vanquis Bank. The outstanding balance when assigned to Cabot Financial was £438.97.

 

I noticed on Cabot's paperwork that the balance is £460.90 so i wrote to them and asked why the debt had increased.

 

I have today recieved Cabot's response ..........................

 

"Following an assignment on 7th January 2009 from Vanquis of all their rights, title and interest in and to the account in question, we are entitled to charge interest at an equivalent rate to that applicable under the original agreement.

 

As you will appreciate, although Vanquis may have frozen interest on this account for a period of time it has at no time waived it's right to reinstate such interest; these rights are now vested in us"

 

Are Cabot allowed to charge me interest????

 

There is nothing in the agreement allowing assignment to take place. However, under common law there is nothing to stop assignment providing the consumer is in no worse a financial postion than pre assignment.

 

Vanquis waived interest. Providing there is no fixed term of interest freeze in the agreement you came to with Vanquis, Cabot cannot change the terms of the agreement post sale. In other words, Cabot should have been aware of the agreement and if not their grievance is with Vanquis not yourself.

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I would disagree with aktiv here. If you have something in writing (which I very much doubt) saying that vanquis are varying the terms of the agreement so that you don't have to pay interest then that is correct. HOwever, if they have just waived their rights for a period of time then they are quite entitled to demand those rights at any time in the future.

 

HOwever, the important thing is the default notice. Did you ever receive a default notice from Vanquis or a letter that the account was terminated? If you did receive either of those then it's game over and there is no way that Cabot can add any extra interest.

 

As you say, the fees are a penalty and you can claim them back from Cabot along with any interest that was applied on them.

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I would disagree with aktiv here. If you have something in writing (which I very much doubt) saying that vanquis are varying the terms of the agreement so that you don't have to pay interest then that is correct. HOwever, if they have just waived their rights for a period of time then they are quite entitled to demand those rights at any time in the future.

 

HOwever, the important thing is the default notice. Did you ever receive a default notice from Vanquis or a letter that the account was terminated? If you did receive either of those then it's game over and there is no way that Cabot can add any extra interest.

 

As you say, the fees are a penalty and you can claim them back from Cabot along with any interest that was applied on them.

 

I do not have a default notice or a notice of termination from Vanquis. I have a letter from Vanquis statinf that a default notice was issued in April 2007.

 

I did S.A.R Vanquis but no default was in the paperwork.

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It is normal for a defualt notice to say that if you do not pay the arrears by the date shown that the agreement will be terminated.

 

Since the agreement has been terminated they have no right to add any interest

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It is normal for a defualt notice to say that if you do not pay the arrears by the date shown that the agreement will be terminated.

 

Since the agreement has been terminated they have no right to add any interest

 

Do you suggest i write to Cabot to inform of this???

 

Cabot have offered to write down my account by £72 for the unfair charges, but they have refused to ammend my balance to reflect this. Do you think i should clain for the £72 seperately e.g County Court???

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Cabot have offered to write down my account by £72 for the unfair charges, but they have refused to ammend my balance to reflect this.

 

Sorry I'm confused about what you mean here. What is the difference between "writing down" your account and "amending your balance"?

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Sorry I'm confused about what you mean here. What is the difference between "writing down" your account and "amending your balance"?

 

 

The account contains £72 of charges that have been applied for late payments. I wrote to Cabot to ask for the £72 back as i believe these charges to be unfair.

 

Cabot replied and said it is nothing to do with them as the charges relate to Vanquis.

 

I then wrote back and told Cabot that as they have purchased the account then they have to refund the £72 charges. Cabot wrote back and agreed to write down the balance of the account by £72.

 

As Cabot are processing my information with credit reference agencies i asked them to ammend my account balance by £72 and record the correct information, they have refused to do this until i have paid the account in full.

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I have sent Cabot a letter and have told them that Since the original agreement has been terminated by Vanquis then Cabot have no right to add any interest.

 

I have also told them that as the assignment of the account is absolute I intend to reclaim the £72 charges from them

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