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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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martski
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Received a letter or response last week from Wellscum after i approached them for cancellation of PPI and repayment including return of fees for life insurance and a mortgage indemnity fee wrongly applied to my loan ( i had over 120% equity at time of loan!)

Anyway, after a call from them telling me they had refunded me 12 pounds ( hooray!) i asked why my monthly payments had not altered. they replied that "of course they wont" eh? what? how does that work then? i have a clear breakdown of costings for each part of the loan and this must surely be reflected when this ppi taken off. Anyway, never mind, im not too bothered about this as i will be victorious anyway ;)

 

This letter then arrived asking me they could not accept my complaint until i filled out this questionnaire they attached. i, of course did not complete it as it was very spurious and it had a space for my signature, along with daft obvious questions like " when did you agree and sign for ppi?" ha ha do i look like i was born yesterday and cant see were you are going with this?!:eek:

obviously i did not complete this and instead sent another letter detailing my complaint and detailing various aspects of the sale and what i want. also stating i can prove these "errors".

 

i await a reply and in meantime and curious to know if anyone else has had this questionairre and its outcome historically.:!::?:

 

I have to admit this is rather new territory for me (just used to doing the banks for charges back) i am however enjoying giving this **** some payback as we were desperate at the time and i felt a proper low life having to go cap in hand to these filth. :sad:

 

any comments will help me take this forward..

Thanks in advance guys

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hiya

 

this might be of help

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

and moved your thread to the welcome fourms which if you have a read around should enlighten you

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

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I agree entirely that these questionnairs should never be completed, as the wording is biased in their favour should it ever get to the point where the fOS needs to adjudicate, or it gets to court.

 

In fact, I think it serves as a warning to all, NEVER to fill out such documents that arrive in response to ANY complaint against any company. They may appear entirely innocuous, and a simple way for that company to help you get your point across.

 

But in the vast majority of cases, they are drafted with a view to blowing your argument right out of the water.

 

In fact, it may be helpful to pass a copy of such questionnaires to the FOS when making your complaint, as this tactic is in itself cause for complaint and proof of such can only help strengthen your case.

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We had one of these. We filled it in though. Whoops.

 

This was months ago at the very beginning of our complaint. We thought it best to fill it in and send it back, as you say, to get our point over correctly. no doubt we shall see how they intend to use this some time soon.

 

Cheers MARK

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  • 3 months later...

you wont beleive this, but ive only just got a reply!!

Its basically a redrwn contract with no mention of refunding me.

Ive torn the contract up and chucked it in the bin... ill be sending them another letter tomorrow asking them "why the mortage indemnity fee is still on the new one"?! Total idiots...

Anyway, im going nowhere matey, i am very patient and i will mess with them until they pay up and cancel these illegal additions to the loan.

 

I think its time to go to FSA also now as ive plenty of ammo....

How should i do that and were do i start people?

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No mate, not exactly. Sorry wasnt more clear....

Mif was on original agg but ive asked them to remove the mif,ppi and life ins. They replied with just removal of ppi. So theres no way i was signing it as it gives them power to say i now agree to pay it sort of thing...:(

Trouble is with these nobs is that when you have more than one issue, theres another dept to deal with it. So if you have three issues then you can almost hear the fuses inside thier brains blowing! This of course, also works well for them. These so called depts are probably soemone sat on the other side of the office tossing paper into a bin waiting for the phone to ring in thier "dept".

I almost had a brain heamaorage (cant spell) the other month trying to acheive the feat of someone dealing with more than one thing at a time!

 

Anyway, ive emailed the FOS tonight withthe statndard complaint form. Could not sign it though as its a pdf. So i will post one as well on Monday.

Dont know were i got "FSA" from!! Think im losing it...even managed to put PPE on form instead of ppi. the FOS will think that Welscum are selling protective hats now!

Anyway, will keep this post going to its bitter end...

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Just thought....protective hats is a great idea for welscum, as it can protect their victims from the massive amount of cack that undoubtadly is about to land on them in the form of debt..

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Mark1arby.

I agree, i should have kept that agreement instead of ripping it up in a temper. Lose your cool and lose the fight isnt it?

Good advice and i will not destroy anything from now on....

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  • 2 weeks later...

Okay, today i got 2 letters, 1 from the FOS and one from the ****.

FOS letter was simply aknowledgement of receipt of complaint about wellscum and stated they are very busy so may wait a bit for actioning.. ive no prob with this as im patient chap ;)

Anyway, letter from wellscum says as ive not signed and returned their silly contract that in 2 weeks they would tear up my complaint (da da da daaa!) cue dramatic music... i of course will respond with recorded letter stating once again i want complaint left open and am willing to sign another contract as long as its has no ppi, no life insurance, and no mortgage indemnity fee!

Think the FOS are gonna have fun with this one. I cant wait to hear their excuse for ignoring these other items off the loan. "different depts" springs to mind as one possible or maybe "sorry, we are very stupid!" is another...

Anyway, did have small feeling of "should i have signed" but that was quickly dispelled and i will now soldier on.

Does anyone out there agree with my next move or suggest something else? I note with bemusement that no 2 cases are the same which smacks of total incompetence on welscums part.(i have at least 4 "final responses")

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Soldiering on sounds like a good idea to me I had the same letter from fos far too busy with everyone else on this board :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Okay, got lette rfrom FOS. Had forgotten to put the final response letter in with the form! Never mind... good thing is, at least theyve read it! So delays may not be too long i hope. Sent it back Friday so alls well. Been looking around the threads for the Welscum and it dont look too good for them does it. I was tempted to ring them last week and when someone answered just laugh out loud for three minutes then replace the handset! Very childish i agree... but very rewarding overall. I will cry tears of joy the day this lot go under. Saying that however, i was amased to see yet another ****** company. ( quick quid or summit) advertising on the telly this week....over 2 thousand percent apr!!!!!!!! Jeeeeees! Cmon people dont do it, go without, go to prison or anything just dont sign!!! Hope this **** arent reincarnation of the ****... :mad:

beyondhope...have you heard anything yet?

Some people say the FOS are useless so if that is the case then whats my next logical step?

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The next stage if no luck and your still not satisfied would be to instigate court action but for this you really need to do your homework and familiar yourself with the process and know exactly what you want and believe you can and will win. never threaten this unless you intend to take it all the way.

 

 

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Hi martski still being totally ignored :rolleyes:

I agree with ozzys pointers on next course of action :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 3 weeks later...

Just as an update, just got letter from FOS stating they have my complaint and will contact Welscum and come back to me. Usual stuff about 2 month wait minimum etc...

just glad the ball is rolling now...

sit and wait...

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hope they dont keep u waiting too long :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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