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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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CapQuest - Response to CCA


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Hi all

 

Had a response to my CCA request to Capquest. Thought you may like to read.

 

"Further to recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required.

 

If you have any proof of payments or correspondence that would assist with your query, please forward these documents, with a brief covering letter, to our Collections Administration department, so that we can resolve this matter as soon as possible.

 

Your sincerely

 

 

Blah, blah

 

Collections Administration Department.

 

Any comments guys? How long do they have to reply? I liked the "whilst we obtain the information required" bit. It's going to take them 28 days?? Can't they put their hands on it now? Hmmm, wonder why!

 

Also the bit "If you have any proof of payments or correspondence that would assist with your query, please forward these documents" Oh yeah, I came down with the last shower. Idiots!

 

So, how long is the statutory timeline for a response? Also, what if they try and use the £1 PO as a payment against the debt? I used letter N from the letters template section.

 

I can confirm this debt is over 13 years old, and will definitely be SB.

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Just to confirm, they received my request on the 5th Oct (confirmed by Royal Mail, Track & Trace, signed for) so am I correct in thinking they have 12 working days + 2 from the 5th? That would take them until the 22nd Oct to reply. Is this correct?

 

Thanks

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  • 4 weeks later...

Just thought I'd update you all. Deadline passed ( a while ago now) but gave them a bit extra due to postal strikes. Got a letter today from C*apQuest that is the standard "we have bought the debt from whoever, but here's a deal if you pay now". I saw red, needless to say. So I am winging the "Failure to provide a copy of the agreement within the prescribed timescale" letter to them tomorrow. Am also thinking TS and OFT need a letter.

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Hi all

 

Some advice needed now please.

 

BTW my "failure" letter was sent to C*apQuest yesterday (3/11/09) via Rec Del.

 

Had a letter this AM from Abbey/Santander, dated 30th October 2009. I shall quote it now.

 

"Dear Mr me

 

We hereby give notice of the transfer of the debt due to us from you in respect of the balance outstanding as at the 27 MAY 09 on your Abbey Bank/Loan account. The balance due as at the date of this letter is £1530.98.

 

On 03 Jul 09 your account was sold (by way of assignment) to CapQuest Investments Ltd who has appointed one of their group companies, CapQuest Debt Recovery Ltd to manage your account on their behalf.

 

We will shortly send a statement of your account to you. All further communications concerning that statement or any other matter relating to your account and all payments must be addressed to CapQuest Debt Recovery Ltd:

 

PO Box 396

Fleet

Hampshire

GU51 2WZ

 

Telephone: 0870 084 2553

 

Yours sincerely

 

Signed, no name

 

For and on behalf of ABBEY NATIONAL plc"

 

I am a bit confused now. What is my next course of action? I have already CCA requested C*apQuest, as detailed above, no response, sent the letter of failure, again as detailed above. Now the Abbey are sending me a statement?? I never asked for that! Is that basically a SAR?

 

Anyhow, I would read this as Abbey saying, in a nutshell, "we're not involved anymore, deal with CQ in future." Correct?

 

What do I do next?

 

Thanks

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Thanks Dannyboy660

 

Can you (or anyone) just confirm what I have read, which is "Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment."

 

So basically, if the debt was SBd in 1994, and I made payment in 1995, does that payment "un"SB it? From what I've read in the quoted text, it doesn't "un" SB it. However, I thought any payment would "un" SB a debt.

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Law relating to debts: statute-barred debts

 

"Within the original six years..."

 

Once it becomes SB it remains so.

 

 

 

Cerb beat me to it - but if the details you have given are correct, it might be wothwhile sending the SB letter to them because once you make it clear to them you are not going to pay they must stop pestering you. Unfortunately, it won't stop them fiddling with your credit files now you have (in their eyes) confirmed you are who they believe to be the person responsible for the original debt, by requesting the CA.

Had you told them to 'fornicate away' in the first place, or ignored them, they may not have bothered.

 

In fact, after such a length of time, it shouldn't be on your file anyway, so relax.

Edited by dannyboy660
additional info/opinion

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Thank you guys.

 

I honestly never realised that once it is barred, it remains so regardless. I can, therefore, confirm this debt IS definitely barred.

 

Just for your info, I sent this letter to them (hope I can post a link here)

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

That went yesterday.

 

Once I receive this "statement" from Abbey, I shall repost on here.

 

Incidentally, I found the return address on the back of the envelope a bit odd. "Please return to CDR, P.O. Box 2768, Bristol, BS4 9DD" Google revealed it's not Abbey, but an address for (surprise surprise) C*apQuest. I am currently reading threads regarding CQ's attempts at "forging" demands/letters from the original creditors. The plot thickens!!!

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Really! Small world! So would you know whether it is a CQ address?

 

I am (or was) more of a Totterdown wurzel so I couldn't be 100% sure, but I will be very tempted to take a look next time I'm back in that area.;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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HHmmmm...the plot thickens.

 

Quite tempted to get in touch with someone to investigate, who lives only a stones throw away.

Shame to be wasting stones when there are more effective ways to attract attention...... :)

 

 

 

 

 

(I'm Joking!!!!!!)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Thanks cerberusalert. That makes me sick! Devious companies using illegal methods. I think the book should now be thrown at them. Letter M, any harassment letters recommended? And copies of all letters to the OFT and Hampshire TS. Boy am I p'ed!!

 

You have all been invaluable in your assistance and help. Thank you all so much.

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Found LOADS of forums regarding CQ on other sites, just by a simple Google search. These guys are fraudsters, bullies and cheats. They continually phone using devious methods to obtain info. The "whocallsme" website is full of their numbers. Apparently the police are involved with them too.

 

I say this as a warning to anyone who receives contact from this shower.

 

DO NOT SPEAK TO THEM ON THE PHONE. GIVE NO INFO TO THEM. ALWAYS COMMUNICATE IN WRITING. ALWAYS ASK FOR A CCA, USING LETTER TEMPLATES HERE. CHANCES ARE IF THEY ARE CHASING YOU, ITS AN OLD STATUTE BARRED DEBT. LET THEM PROVE YOU OWE IT. DO NOT PAY ANYTHING TO THESE THIEVES.

 

I have not had phone calls yet, but continuing communication in writing. They will soon be reported to the police, OFT and TS. Oh and the FOS.

 

Don't fear these people.

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