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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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    • 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
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FLM Loans - Advice


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Hi,

I foolishly took out a loan with FLM loans in October 2007, which was an exceptionally stupid thing to do on my part.

 

My payment was expected to go out on 1st October, which was declined by my bank for £151, **edit here for possible defamatory content**

They phoned today, and I explained I could pay them in five days time, and that in fairness they had got a big chunk of the money, it was hardly like I had avoided paying completely. They have applied several charges to my account in the past, and they have whacked on another late payment charge for this month, at £20 plus a £7 "letter fee."

 

Do I have grounds to reclaim these fees, and can I put the account in dispute to stop them making any more changes until I have paid the outstanding amount on the account?

 

Hope this doesn't sound too jumbled.

 

Regards,

Andy

Edited by benham3160
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Here are some details of their consumer credit licence details taken from the OFT website.

 

This may be subject to change and so the details here are as they appeared on the date of this post.

 

For latest info at any time vist the CCA register http://www2.crw.gov.uk/pr/default.aspx and search on licence no. 0557709

 

Application / Licence Details

 

 

 

 

Licence Number:0557709

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberFinancial Processing UK Ltd4841153

 

Licence Notes:

 

EvtStageOpen DateNotes24Minded To Revoke07/04/2008

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

24/7 Debtline Credit Counselling Organisation Debt Help UK Debtline F.P. UK F.P.C. FDM Financial Processing Centre Financial Processing UK FLM Freshstart Freshstart Debt Management Freshstart Mortgages Harvey Sturt Individual Finance MacDonald Wright Morrison Clarke

 

Trading Name(s) (Historic):

 

Freshstart loans Hudson Sturt Hudson Sturt Associates Loan Line

 

Issued Date: 05-Aug-2004

Expiry Date: 04-Aug-2009

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionCatriona Allyson Patterson Marc John Biles Rachid James Benamor

 

Nature of Business:

 

Credit Agreements/loans (linked) Investment/Financial Advisers

 

Current Address(es):

 

Address TypeAddressCorrespondenceWalton House, 56-58, Richmond Hill, Bournemouth, Dorset, BH2 6EXPrincipal Place Of Business56-58, Richmond Hill, BOURNEMOUTH, Dorset, BH2 6EX, United KingdomRegistered OfficeWalton House, 56-58, Richmond Hill, BOURNEMOUTH, BH2 6EX, United Kingdom

 

Historic Address(es):

 

Address TypeAddressCorrespondenceSuite 4, Richmond House, Yelverton Road, Bournemouth, Dorset, BH1 1DAPrincipal Place Of BusinessGranville Chambers, 21 Richmond Hill, Bournemouth, Dorset, BH2 6BJPrincipal Place Of BusinessGranville Chambers, Richmond Hill, Bournemouth, Dorset, BHPrincipal Place Of BusinessGranville Chambers, Richmond Hill, Bournemouth, Dorset, BH2 6BJPrincipal Place Of BusinessWaltin House, 56-58, Richmond Hill, Bournemouth, Dorset, BH2 6EXPrincipal Place Of BusinessWalton House, 56-58, Richmond Hill, BOURNEMOUTH, BH2 6EX, United KingdomPrincipal Place Of BusinessWalton House, 56-58, Richmond Hill, Bournemouth, Dorset, BH2 6EXRegistered Office16, Bourne Court, Bournemouth, Dorset, BH2 6DTRegistered OfficeGranville Chambers, 21 Richmond Hill, Bournemouth, Dorset, BH2 6BJRegistered OfficeGranville Chambers, Richmond Hill, Bournemouth, Dorset, BHRegistered OfficeWalton House, 56-58, Richmond Hill, Bournemouth, Dorset, BH2 6EX

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"subbing" i too have a loan with flm and they wont give any leeway if you having problems and contact your guarantor, I wrote about these last year when i was having problems but never posted my agreement, if i do that now can someone look over it for me please.

I know up till last year their license had been minded to revoke but if its now the case its been fully revoked are they still able to continue as lenders and collect monies owed, watching with interest.

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Hi guys,

 

I too took a loan out . Regardless of whether they hold a Consumer Credit License, their Credit Agreement may represent an unfair relationship.

 

1) It does look very much like an application form.

2) Monthly Repayment of 10% of outstanding balance?

3) The Credit Advance contains a Fee and also attracts interest. This is wrong.

4) They wrote to customers informing them that they would only ever be collecting the intereest for future repayments.

5) They advertise it as a short term loan but on the agreement it is classed as Revolving Credit Agreement.

6) There are no other terms and conditiosn which explain the APR variability, timing of repayments. It leaves the Customer wondering exactly just when they are going to finally repay the loan.

 

I am contacting the FSA, to find out if they do have a current license and also complain to the FO and report the poor documentation and the fact that it does not follow Consumer Credit Act regulations means that it leaves the customer with an unfair advantage.

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I'm going to put my one in this morning, I might throw a SAR in too, just to find out exactly what they have been charging me.

 

As part of the SAR, can I request copies of letters that I have been sent?

 

I phoned the OFT with regards to their CCL status, allegedly FLM are currently appealing the decision, so are allowed to trade until an ultimate resolution is reached.

 

I'm sure the more who complain out the unfair terms in their CCA, the less favourably they will be looked upon.

 

Regards,

Andy

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I'm going to put my one in this morning, I might throw a SAR in too, just to find out exactly what they have been charging me.

 

As part of the SAR, can I request copies of letters that I have been sent?

 

I phoned the OFT with regards to their CCL status, allegedly FLM are currently appealing the decision, so are allowed to trade until an ultimate resolution is reached.

 

I'm sure the more who complain out the unfair terms in their CCA, the less favourably they will be looked upon.

 

Regards,

Andy

 

hi if you sar them request all details they hold on you including data and telephone calls, they have to give you everything and have 40days to reply. cca on way from me too, bliddy typical the rogues can keep trading innit, i knwo the license was minded to revoke so anyone else reading this get them complaints in to..

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They have treated me so unfairly, it's unreal. They went though a stage last year of debiting loan amounts twice with nothing more than a cursory "sorry, happens dunnit" but if you make a payment three days late, (when they took the majority of the money on the correct day) they really make you feel like a criminal.

 

Not only that, they charge me 59.9% APR, hardly like they are not getting their "pound of flesh" is it?

 

Regards,

Andy

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yeah i know what u mean when i first went off sick earlier in the year i asked if i could reduce payments or god forbid miss a month just till i got back to work their reply was if you cant pay it we will take it from your guarantor which is what i signed up for but being self employed my guarantor was struggling to pay his mortgage let alone my loan he had to change his card details to stop them, hence they are such gits on the phone was getting fed up being pestered with texts at 7am to remind me to pay, like who the hell could forget these vultures would love to do em. lets go for the jugular!!!!!!

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Speak of the devil, they have just phoned me....

 

Paraphrased:

"Hi, this is FLM"

"Hello"

"Firstly, sorry for not phoning you back yesterday"

"Okay"

"Can you make a payment"

"No, as I keep telling you, I will phone you, and pay you on Monday"

"Can anybody else may the payment...."

"I'm not entering into that conversation, I will pay you on Monday"

"You will have another charge"

"I will deal with the charges in writing"

"The charges will still stand"

"I will deal with the charges in writing"

 

This continues for a while, with me answering "I will deal with the charges in writiing."

 

"The charges will still stand."

"I will deal with the charges in writing."

"I will phone you on Monday"

"Do not call me, I will call you, and pay on Monday"

"Make sure you do, or I will phone again.... Goodbye...."

 

Put on my very serious "firm" voice too, I dare them to call again before Tuesday now lol

 

Regards,

Andy

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CCA request submitted recorded post this afternoon.

 

I await it to drop though my door in the next twelve days lol

 

Regards,

Andy

 

good on ya cant wait to see what turns up not had time to do mine yet will be winging its way tomorow tho,

 

emailing jb doenst do anything one of his minions will call you quoting everything they want you to hear not listening to what your saying and goin round in circles, been there lol

as for secret millionaire he gave away the least money on the programme and strange how he helped drug fuelled angry teens, now we know who is on the other end of the darn fone lol:p

lets all cca them and see what collectively comes back

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This the copy of the CCA I received from FLM this morning:

 

FLMLETTER-1.jpg

 

It is absolutely illegible, I have phoned them and advised them of this.

 

You can not make out any of the small print, and it's been printed on a letterheaded page, rather than plain paper so it also obscures the stuff printed at the bottom.

 

Any pointers, they have said they will send me out another legible copy.

 

Regards,

Andy

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  • 1 month later...
  • 3 weeks later...

Hi tigs, you will have to look it up on the CCA or OFT website I think.. I will have a look and see. Last time I looked it was minded to revoke and I asked the OFT what stage it was at.. they never did tell me although they acknowledged my request.

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Licence Number:0557709

Licence Status:Current

Current Applicant / Licensee:

 

Business NameCompany Registration NumberFinancial Processing UK Ltd4841153

 

Licence Notes:

 

EvtStageOpen DateNotes24Favourable Determination16/11/2009 24Requirement Obtained16/11/2009 24Minded to Impose Conduct Requirement(s)13/07/2009 24Minded To Revoke07/04/2008

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Licence Number:0557709

Licence Status:Current

Current Applicant / Licensee:

 

Business NameCompany Registration NumberFinancial Processing UK Ltd4841153

 

Licence Notes:

 

EvtStageOpen DateNotes24Favourable Determination16/11/2009 24Requirement Obtained16/11/2009 24Minded to Impose Conduct Requirement(s)13/07/2009 24Minded To Revoke07/04/2008

 

Hi Spammers I have a loan with flm what does your post mean?

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