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    • 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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Court date through for set aside, advice please.***WON***


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I have a Court date of the 28th July for a set aside of a CCJ from RBS & Bryan Carter.

 

The only thing I have sent so far is a N244 as below, what else do I need to do or send? I have scoured the forum but can't find anything specific to my situation as others have disputed the 2nd CCJ before it was granted.

 

Any & all advice welcome please.

 

N244sentpage1edited.jpg

 

 

N244sentpage2edited.jpg

 

 

 

Copy of Bryan Carter's letter marked B1 in N244

 

3CCJSatisfiededited.jpg

 

 

Many Thanks

Morph

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I think that you'll find that BC agree to setting the Judgment aside.

 

Can I ask what happened with the original claim - did you get the summons - did you do anything with it...

 

I don't think that you will have a problem with your application - if you let us know when you get a hearing date we'll run through the process - I ought to add that it is unlikely that they will even attend court - they don't usually...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hi IGNM, I did receive the 1st lot of court papers but it was at a time when I wasn't opening my mail regularly, so I opened the Claim form & the default judgment at the same time. I wasn't to bothered at the time as it was only for about 10% of what I owed (in hindsight eh!).

 

I paid off the CCJ in installments so it's still on file & credit report but got the above letter advising satisfied, I then got a letter from B.C advising I still owed them £XXXX & I offered to continue with the same payments I'd been making but the only response I got was a second claim form, I again offered to continue payments & that resulted in me "accepting" the 2nd CCJ apparently.

 

11am on Tues 28th is when I'm due at court, I'm hoping the fact that B.C. have stopped calling me as the 1st sign that they might be filing this one in the cock up pile?

 

Many thanks

Morph

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If the set aside is granted, what do people think my chances are of claiming back monies paid to Bryan Carter under threat of ramifications from an unlawfully obtained CCJ.:?

 

I don't want to push my luck but lets face it if it isn't lawful to obtain a second CCJ then should it be lawful for BC to gain monies from it?:-|

 

All opinions welcome

 

Morph

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as i understand it, once u have set aside, the claim returns to the beginning, therefore if u have paid any monies under an order on that judgment, u shud get it back.

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  • 2 weeks later...
Any advice please?

 

what is it u need morph?

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what is it u need morph?

 

Perhaps it's in respect of claiming damages etc.?

 

Andy popped this on my thread so it may be relevant.

 

The Claimant, possessing no legal right to claim monies allegedly owed, has acted unlawfully in obtaining a CCJ and registering said Notice with Credit Reference Agencies. Such conduct is a breach of the Data Protection Act 1998 and amounts to defamation. under The Unfair Contract Terms Act 1977 and The Unfair Terms in Consumer Contracts Regulations 1999.

 

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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what is it u need morph?

 

I just need to know if I need anything other than copies of my above paperwork, like sworn statements or ,well anything really. It just seems that I'm going into this a bit "light" on paperwork or am I over thinking this?

 

Morph

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have a look at spams thread here, in particular andyorch post #212 which may help explain the process and whats reqd:

 

CCJ and interest on debt. - Page 11 - The Consumer Forums

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I just need to know if I need anything other than copies of my above paperwork, like sworn statements or ,well anything really. It just seems that I'm going into this a bit "light" on paperwork or am I over thinking this?

 

Morph

Hi Morph,

 

Just by going on the advice I've received on my thread so far, you basically just need a draft defence to prove you have a chance of success... nothing too complicated, just enough to show the basics are there to build on if it went to trial, and a reason why you didn't defend in the first place...

 

At least that's the way I'm seeing it.

 

 

 

Spam.:)

 

Doh... too late!

Edited by Spamalot
R&B snuck up behind me!

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They say money talks......mine just keeps saying "Goodbye"

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Thanks guys, I'll have to re-read all my subbed threads & the suggested ones an hour at a time, any longer & I get confuddled & word blind.

 

I s'pose it SHOULD be straightforeward, BC broke the rules with the 2nd CCJ so it is only right to set it aside. My challenge will be to get some of the monies paid back & some costs.

 

thanks to all again.

 

Morph

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hi morph

just to add another few hours to your reading....this has elements of costs and reclaiming in it which might be of use and its a 'won' thread:)

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/171391-davey77-capital-one-3.html#post2291461

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Just a thought. You say that the original CCJ was for only 10% of the debt. The balance referred to in BC's letter could be the remaining 90% and it could be this 90% that the second CCJ is for

 

Or have I missed something?

 

Yes that's correct BUT the rule is that you cannot split the claim, however BC does this to make sure he gets his fees & stuff everyone else concerned.

 

Morph

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  • 2 weeks later...

Well I won my Set Aside:D, Bryan Carter or RBS didn't attend but they sent notice that they wouldn't object to the set aside & would discontinue the claim if I didn't press for costs.

 

District Judge not interested in the fact I wanted to reclaim money I'd paid out for the 2nd CCJ & asked the dreaded "Do you owe the debt" & I said I didn't dispute owing them something just not the figure they have produced, he seemed to accept that without issue.

 

He advised perhaps I should have requested the refund in with the set aside application & to do my homework if I wanted to claim any money back but to be wary of how much it could cost me if I failed.:sad:

 

I'll take the win in the knowledge I may not have got my money back but the only person RBS can demand the outstanding balance from is Bryan Carter & not me;)

 

 

Morph

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Hey Morph...

 

Sorry :oops:.. belated 'thank yous' for trying to find out about the 'admission' issue, I meant to post on Robcags thread but forgot. It's all still a bit of dilemma.:confused:

 

Thanks again for trying.

 

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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