Jump to content


  • Tweets

  • Posts

    • 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?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

disputed claim passed on


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5294 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I today received a letter from DLC regarding a disputed claim from Sainsburys bank. I requested a CCA from Iqor who were the DCA at the time and received a copy of an aplication form. I then heard no more from them. The letter today says they have taken over the collection of the alleged debt from HBOS and the debt is now owned by Hillesden Securities LTD trading as DLC.

 

The usual bumph about having 30 days to pay or else etc.

 

Where HBOS come into it I don't know. What should I do?

Link to post
Share on other sites

Hi,

 

Amend this...........

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2009.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

 

 

 

Regards.

 

Scott.

  • Haha 1
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Is there a template for this letter or do I just compose something myself?

 

Devo beat me to it, send the above..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 2 months later...

Me again. :grin:

 

I sent the above letter ( the one in the post above this one) to Hilsden Securites and they have sent me a letter dated 25th 09 saying they have suspended the account and requested the CCA from the origional creditor.

But with it they have sent all my statements from 14th of July 2003. In those statments there are charges for "credit care insurance" stated as being 69p per £100 nd there are all sorts of other charges like overlimit fees, late payment fees and interest. It makes interesting reading. The last payment I made we contacted them to say we wanted to make arrangements to pay and interest stopped being added shows I paid £50, but the interest was £51.21 and the over limit fee was £21. So I wasn't even covering the interest yet they still pilled on more fees.

 

The last "credit care" payment they took was on 15 09 2005 and was £29.70. Am I right in assuming I can claim some of these fees back and if so which ones?

 

Just one more question. Was HBOS the bank that Sainsbury used?

Edited by starling
Link to post
Share on other sites

Any charge applied to an account should be a. stated in the terms and conditions of the agreement, if it isn't there then they can';t charge it

and any charge applied ie late payment, overdraft charge etc should be in line with what it actually costs them.

 

If they charge you say £30 for exceeding your overdraft, then they would need to prove that it costs them £30 every time you go overdrawn.

 

If the charges applied to your account don't fall into the aforementioned criteria, then they are unlawful and should be reclaimed, in the case of ppi, if you didn't know what it was, then it's unlikely to be legitimate and should be reclaimed

Link to post
Share on other sites

How much is considered to be a reasonable amount?The last payment before we contacted them and interest etc was stopped was as follows.Overlimit fee £25Late fee £25Credit care £27.16interest £45.41As for the PPI I was never working as I am disabled and the ppi should never have been added as it is, as I understand, to cover you for unemployment.Where do I find the terms and conditions if I don't have a CCA?

Link to post
Share on other sites

How much is considered to be a reasonable amount?The last payment before we contacted them and interest etc was stopped was as follows.Overlimit fee £25Late fee £25Credit care £27.16interest £45.41As for the PPI I was never working as I am disabled and the ppi should never have been added as it is, as I understand, to cover you for unemployment.Where do I find the terms and conditions if I don't have a CCA?

 

It doesn't matter whether the fees are considered to be "reasonable" or not, it's down to whether they can prove that the charge is representative of their cost, the costs that you have stated are most definately over the top by anyones standards and shold be reclaimed.

 

as for the Terms and Condisions of the account, you should be requesting the CCA at your earliest opportunity, usual CAG advice applies, ie. no phone calls, everything in writing, sign nothing and make sure you send everything recorded (registered is better) get proof of postage and delivery. at the very least this will prove if they have a legal right to collect against the debt.

 

If you are confident that the PPI shouldn't have been applied and/or it has been missold, then you should begin action to reclaim it.

 

The CCA letter and the process for reclaiming charges and PPI are elsewhere (in the templates library) in this forum, take a little time to browse the other threads on this and you will find that the process is quite straightforward.

 

I have just reclaimed nearly £500 from Halifax and it took me 2only 2 letters to do so, other institutions might not roll over as easilly, but they all know thast they have to repay the money, so will bottle it long before it gets to court

Link to post
Share on other sites

I requested the CCA, too long ago to remember. They have since passed the debt to 2 other companies and the company I am dealing with now, is called Hillsden securities, who have suspended the accout until HBOS find the CCA and it is Hillsden who have sent the statments.

The late fees and the over limit fees alone add up to £325. I haven't added up the credit care or interest yet and the are also a couple of payments called "card protection" of £18.

 

I will find out how to claim them back and get on to it.

Link to post
Share on other sites

Hilsden sucurties are just not getting it. They have sent me a copy of an aplication form, the same one Iqor sent, along with an indept copy of a credit card agreement printed on A4 paper.

There is no sign of a sig on the printout.

 

The thing is this was already in dispute with iqor so they have ignored the latter I sent "account in dispute". They say my account will be restarted on a date I can't remember offhand. What should I do next?

Link to post
Share on other sites

Did DLC specifically say they had bought the account? If so, did you receive a Default Notice from the original creditor before the OC sold the account? If they sold the account without issuing you with a DN, the account was unlawfully rescinded at the point of sale, which means 2 things 1) DLC have no right to be asking you for money for a rescinded account as they have no lawful right to be processing your personal data and 2) the OC could only ask you for any arrears up to the time the account was sold but they would have a hard time doing that as they no longer own the account. DLC are plonkers and keep purchasing accounts without the correct legal paperwork.

Link to post
Share on other sites

I am sorry dut I don't really understand. Who are the DLC?

 

 

Hillesden Securities LTD trading as DLC.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Ohhh, sorry about that. Things are all begining to blur at the edges and run into one big mess.

 

Right What does a default notice look like? I've had many letters saying pay up or else, but not sure if that is a default notice.

Link to post
Share on other sites

No - a Default Notice is not a letter asking for money. A DN is a Notice served under Section 87 (1) of the Consumer Credit Act 1974 (or 2006) and has that as a heading. It gives you (or should give you) 14 days to remedy the alleged breach of the agreement by paying the arrears (stating the sum of arrears) then tells you what the creditor will do if you do not remedy the breach.

Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...