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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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Myself and my Mum have been paying Moorecroft for a number of years for debts ranging from this year, going way back in the 90s i think. Is it too late to ask to see actual documentation that all these exist, through actual signed agreements and so on - or is it to late as we have been paying them and therefore i think it acknowledges a debt?

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Well we have been paying Morecroft for years for these "debts", so if it turns out they do not have any details or agreements of the original debt, would i be entitled to reclaim what i have paid?

 

no. classed as a gift

 

but no agreement no more money for them:-D

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before you cca.

 

as you dont say in first post.

what the debts are, or how many,

are all debts covered by cca.?

 

are they debts jointly with your mum.or do you both have seperate debts to sort.

 

are they all the same OC

 

SAM:pLOWELL DETESTER

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Moorcroft must absolutely love you & your mother with the greatest respect.

Whilst you are happily paying them, they will just continue to take regardless of how much you owe.

Stop all payments immediately, demand full refund (not saying you'll get it, but demand it anyway ;)) & report them to the OFT/trading standards.

They have never had any legal authority to money off you whatsoever, only a county court has that power.

If they start harrassing you, then report them to the police (not 999 unless they are at your door) & if they start ringing, then refuse to answer their security questions and insist that everything must be in writing only.

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you can stop paying anytime that you wish.

 

but if you want to stop because they have no agreements.

that is when you have requested your cca they have

passed the 12+2 days and not produce and you then put the account in dispute for failure to supply within the time frame.

 

 

SAM:pLOWELL DETESTER

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Mines is for NTL, and my Mums include BT, Littlewoods, (a catalouge from the 90s), a water company, and some more. The agent took the books last week to update them. Oh boy am i going to have fun when she comes back with them.

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ok, the only one of those covered by the consumer credit act will be the littlewoods account - so it's a waste of time sending a s77/s78 request for the other debts.

 

The good news is though, that littlewoods are very very unlikely to have the agreement so you can just tell them to get lost on that one.

 

With the other debts, it's a different matter. I would suggest that you would have to send a sar to ntl, bt and the water company to get an an understanding of the current status of the account and to see if they have added any unlawful charges to the amount.

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Could you first write a Nice letter to each company asking proof of the figures as you dispute what you have been told by the collector.Mr ton are moorcroft in deep **** for trying to collect and why,many thanks

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would be better if you could dispute with each creditor what you owe,and state that you want proof of the balance and see if any charges have been added,cant see how in the case of ntl, bt ,or water you can deny the services,but ntl and bt will have defo added late payment charges.

no doubt if you choose to stop paying they will fall over themselves showing that you owe them;)

 

you are talking a tenner for each debt if you opt for SAR.

 

would start with cca for littlewoods almost certain that can be the first to wipe off your list.

 

wondering if as all are with moorcroft you could SAR them for all details they have which should include all accounts and status.

that would cut it to tenner for you and tenner for mum.

 

SAM

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