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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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      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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1st Credit issuing default on credit file?


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First post to the forum so I hope I'm in the right place.

 

I defaulted on a CitiFinancial loan in December 2008 with a balance of £3607. I dispute that balance - my calculations have it at £1400 - and I'm currently disputing that with 1st Credit whilst continuing to make monthly payments to them.

 

However, I've just received my credit file from Experian. CitiFinancial placed a default on my file on 31/12/08 for £3607. 1st Credit have also placed a default on my file for the same amount and the same date.

 

Can a default really be placed twice for the same account? Can a DCA place a default at all? How can 1st Credit claim I defaulted on any agreement with them when I never had an agreement with them? Moreover, in my email discussions with 1st Credit about the balance, they state they didn't take over the account until February 27 so how they can have issued a default for two months previously?

 

Thanks for any clarification anyone can give.

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You cannot be defaulted on the same debt twice and you should contact the credit reference agencies to have 1st credit's default removed. You should also report 1st Credit to the OFT and the Information Commissioner for doing this as it breaches the Data Protection Act 1998. Why are you paying 1st Credit when the account is in dispute? Have you asked for a copy of your credit agreement to check if it is enforceable? because if it isn't you don't have to give 1st Credit another penny.

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Thanks for the advice, Pinky69. I will contact Experian to have the default removed and report 1st Credit to the OFT. :)

 

I'm paying 1st Credit because I'm only disputing the balance not the debt itself. I figure, perhaps incorrectly, that 1st Credit will still ask for some payment until the balance issue is resolved. They cannot claim, therefore, that I'm simply being obstructive.

 

I've written to Citi and 1st to resolve that issue and it may be that I revisit the issue of payments in the next few weeks if I receive unsatisfactory answers.

 

I have asked for a copy of the credit agreement though not for enforceability but to check for various 'add-ons/PPI' that I believe Citi tacked on to the account.

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I'm paying 1st Credit because I'm only disputing the balance not the debt itself. I figure, perhaps incorrectly, that 1st Credit will still ask for some payment until the balance issue is resolved. They cannot claim, therefore, that I'm simply being obstructive.

 

I would check every aspect of this including enforceability as if you are trying to negociate a settlement, it will put you in a very strong position.

 

Bear in mind that 1st Credit are a parasitic company who go out and buy debts with the intention of milking the customer for all they are worth. They have also been investigated by the OFT and are only still allowed to operate under sanctions imposed by them.

 

If you have done a Sec 78 Request for a copy of the agreement and they have not provided the documents within 12 +2 working days, you can legally stop paying them.

 

David

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You really need a SAR from citi and a full statement of account from 1st crud for the time they've had their slimy hands on it.

 

The SAR will tell you if citi added any unfair charges which you can claim back.

 

Please do report them to the OFT as this is now a critical time as OFT have their eye on 1st crud :D

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Just to follow up on this, 1st Credit have emailed to say that they are going to ask Citi to remove their default as they no longer own the account.

 

Seems a strange one. At least Citi, as original creditor, had some legitimacy applying the default. I don't see where 1st Credit got their legitimacy. I have emailed them to ask them this.

 

I'd be very surprised if Citi removed the default on 1st Credit's say-so. :confused:

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Hey, I've had a letter from 1st Credit that states they "...have the same rights as Lloyds TSB to give information to credit reference agencies about the personal debt that you owe is respect of this account if: You have fallen behind on payments.." Is this true?

 

Anyhoo...this is a debt that originally defaulted in 1998 and so I began an IVA but my partner who I was doing the joint IVA with did a runner so it was defaulted. It was then taken up by Mackanzie Hall in 2000. it was taken over by Mackenzie Hall and I was paying them until I got wise via this website and sent a CCA request about 2 years ago which they didn't fulfil.

 

I am guessing that 1st Credit don't have the signed credit agreement either...we'll see. My main question tho is does the period to count for statue barred start from my last communication with TSB (over 10 years ago) or with Mackenzie Hall (only 2 years ago).

 

Any advice would be greately appreciated.

Thank you

 

Cara

Edited by Halfangelhalftart
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1st Credit have responded with this bamboozler -

 

'We would clarify that once 1st Credit purchased this account on the 27th February 2009 all rights and duties relevant to this debt (including the requirement to register the default) were also assigned to us.

 

The necessity to issue the default notice lies with the company who owns the debt at the time of default. On this occasion it was CitiFinancial.

 

As the sums are owed to 1st Credit, we are legally entitled to register the default on your credit file.'

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  • 1 month later...

Just to update on this. Equifax instructed CitiFinancial to remove their default although they said 1st Credit's default was valid - a legal argument about 1st inheriting Citi's liabilities and responsiblities when they took over the debt including the requirement to register a default. A small victory perhaps. :p

 

I've just received some documentation from Citi, including a statement of account. My earlier confusion about the account balance is down to Citi applying £1,600 in charges to the account - around £400 in £10 monthly fees over the last 3 years or so and £1,200 in charges for declined/cancelled Direct Debits. Does anyone know if it is possible to reclaim these?

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