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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?
  • 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
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Zebbydog v Yb ***WON***


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Continuing on from my thread in the welcome forum.Right here is what I intend to do now.I am doing this on behalf of my girlfriend Chelle.Been having a look at her finances and she also has a visa card with YB and an outstanding balance of about £900.She has been getting hit with a regular £25 late payment fee.If she pays up on time she gets hit with charges on the current account,when her wages go in.I intend to go to the bank today and pay the outstanding charge on the card.This will effectively close the account as she cut up the card two years ago(but they dont know this).But first a couple of questions.I intend to hit them first over the visa card charges.Can they threaten to close the current account,because we are hitting them over the visa account?

Will the fact that we have a claim in for unfair charges on the visa have any effect when I hit them for the current account?I intend to send the S.A.R - (Subject Access Request) this week and what I would like to know is,do I send the standard letter in the library mentioning manual intervention,because from time to time they ring her to remind that the minimum payment is due on the card.Any thoughts appreciated:rolleyes:

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Hi Zebbydog (& GF Chelle!)

 

My Mum has her current account with YB as well and we are persuing them for charges made to her YB Visa, they have not (as yet!) threatened any action to the current account, and infact this type of retaliatory action is not being looked on very favourably.

 

Definately sent the letter including the paragraph about manual intervention, I would v much doubt that they would admit to anything manual other than phone calls but you never quite know with YB! Dont forget to send it recorded (I am assuming to Leeds - Credit Card Head Office? Or your local branch?) so that you can track it on-line, print off the delivery ticket and keep it with copies of the letters. Its amazing how much post 'seems' to be going 'missing'.

 

By the way, a very warm welcome!

 

Rachel

Doing this on behalf of my lovely Mum!!

 

LTSB No1 - £200+£31.70+£30 = £261.70 COURT DATE SET 8TH NOVEMBER 2006

LTSB No2 - £423 +£124.16+£80 = £627.16 DEFAULT JUDGEMENT GRANTED DUE TO NO SHOW FROM LTSB

Yorkshire - £498+£102.64+£80 = £680.64 COURT DATE TO BE ADVISED - ALLOCATED TO SMALL CLAIMS TRACK

Citi - £1600+£361.46+£120 = £2081.46 CHEQUE RECEIVED F&F SETTLEMENT 07.06.06

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Thanks for that.I have just been into the branch and after 20 mins in the the queue,was told they would only accept a cheque or cash(wont accept my card):-x My fault really,should have taken my cheque book with me.She will now have to ring them to find outstanding balance as they wouldnt discuss it with me:o

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Under the Data Protection Act they couldn't legally discuss your gf's account with you.

 

I suggest your girlfriend rings YB Visa and asks for the statement date to be changed to a few days later so that her wages will be in the bank when payment is due. Most organisations will do this.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Under the Data Protection Act they couldn't legally discuss your gf's account with you.

 

I suggest your girlfriend rings YB Visa and asks for the statement date to be changed to a few days later so that her wages will be in the bank when payment is due. Most organisations will do this.

 

Ok she rang them and got the total figure for the card balance.I have now paid this off in total and got a receiptso the account is effectively closed(although they dont know that).

Interestingly,I myself have had a letter today about my own card with American Express (no isssues with them) It says that they are have now reduced their charge for late payment from £20 to £8 and basicall all other £20 charges reduced to £8.:o So it looks like the big boys are starting to run scared.Time to give YB Visa a kicking.SAR going off this weekend;)

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Hi

 

Could you let me know how you get on and vice versa as I am in exactly the same position.

 

We have closed my partners Visa account and are claiming back charges etc. He also has his current account with them, which I am also claiming charges back on. The initial DSR letters have been sent and I have heard back from current account saying i will get them in the allowed 40 days. Visa DSR letter only sent today.

 

Good luck with them, hope we both get our partners charges back, and they buy us a nice present as a result! haha

 

Claire

 

Hi

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Hi

 

Could you let me know how you get on and vice versa as I am in exactly the same position.

 

We have closed my partners Visa account and are claiming back charges etc. He also has his current account with them, which I am also claiming charges back on. The initial DSR letters have been sent and I have heard back from current account saying i will get them in the allowed 40 days. Visa DSR letter only sent today.

 

Good luck with them, hope we both get our partners charges back, and they buy us a nice present as a result! haha

 

Claire

 

Hi

Ok Claire,will do.Sending them the SAR this weekend

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Ok gonna do SAR for Visa account this weekend.One question the address in Leeds is box no.Will it be ok to send it there recorded delivery,will there be someone to sign for it?

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I think it will be ok but you could save the expense and get a certificate of posting for free.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I don't think it would make much difference, but if you only deal with visa maybe it should be them.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The SAR applies to the subject which is you. If you have a number of different products or accounts with the same organisation you only need to send one SAR and list all the relevant account numbers.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Oh I didnt realise that.There is the Visa account and the current account.So do I send the SAR listing both account numbers and one cheque for £10? If so, I presume that I send it to the manager at the local branch where the current account is held.Rather than making two claims,one against the current account and one against card services

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Yes that would be fine. I think the YB Visa is still administered by the bank so it shouldn't be a problem.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Folks

Latest update.Sent in the SAR for my girlfriends current acc and Visa acc statements to local branch of YB last Monday.Gf received a reply from Clydesdale today.I must say I havent seen this one before.Letter as follows.

Dear Mrs xxxx

SAR Data Protection act

Thank you for your recent leter in view of your request for details of bank charges.We can confirm that the bank shall be able to supply you with your bank statements from August 2000 which will detail your transactions/ charges.Which is where such information is stored.Before proceeding with your request we require a certified copy of your driving licence or passport.these documents can be certified at your local branch.Please note that we will not cash your cheque until we receive the documentation requested.We look forward to hearing fom you and if you require further assitance,please do not hesitate to contact your local branch.

Yours sincerely

Leyanne Gallagher

Network support.

 

A new twist or what?.They didnt require these docs when slapping the charges on or last week when I paid in over £840 to clear the Visa account

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I have seen other banks do this, but no doubt YB send letters and statements to your gf's address so I don't see why the information requested should be a problem. There is nothing different on offer than has been previously supplied. I notice they are only offering statements which is normal for them, but you could remind them that you are also requesting information on manual intervention, notes etc.

 

The choices are to argue the point or do as they ask. Either way I suggest that you remind them that the 40 days start from when they received the payment, and whether they choose to bank the cheque now or later, the same deadline will apply.

 

Just another delaying tactic. You will get used to it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro

My thoughts as well.I think they would like us to argue the point to cause a delay.So We will comply with their request on monday.Do you think it would be reasonable to ask for an aknowlegement once they have seen the passport?

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It looks like the passport needs taking to the branch for them to make a certified copy, so maybe you could ask for a copy of what they are using with the date and a signature of someone from the branch. The branch is part of the bank so at that stage the bank will have seen the passport. You will have to leave it until Tuesday due to the bank holiday on Monday.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Passport now certified at local branch and hand delivered today at same branch with a request for copies of all statements relating to both accounts.Lets see how long it takes.They have until october 2nd to comply.;)

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I know we were at similar stages previously, however we received a letter back from Leyanne also, stating the statements would be with us within 40 days, as this is the time they had to comply. No request for id or anything, which is suprising considering we moved house not so long ago, and until recently they still had my partners old addres!!! One rule for one and one for another!!

Statements still not here however - our DPA deadline expires 25/09.

 

Hope you have a bit more luck with them now!

 

Claire

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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  • 2 weeks later...

Received statements for Gfs Visa account today along with a letter from network support saying that bank statements to follow when they receive them.I will go through the visa statements later today and tot up the damage.The question now is do I send the prelim letter and start the claim in respect of the visa account.Or should I wait for the bank account statements to arrive,put the whole lot together and make one claim for both accounts:confused:

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Prelim letter sent today,claiming back charges of £658 in respect of the visa account.The statements arrived today for the current account,but havent had time to go through them yet.It will be the weekend end before I get the chance to do this and get the schedule of charges printed out with another prelim letter.If I so wish,can I then send an LBA claiming for both sets of charges after they fob us off? or would it be better to keep both claims separate:confused:

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Similar letter received here. Boyfriends Visa Stats received - £359 in charges. Bank Stats to follow, not received yet, but presume they will be here in next few days.

 

Seems they are working at same speed with us.

 

Maybe we'll get our partners money back at same time!

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Current acc statements at first rough estimate are £2400:o Still not sure if to make two claims or lump it all together.I was wondering if it may be a bit easier with the Visa as they had their fingers rapped over late fees by the OFT.Or am I dreaming and they will be just as awkward over this account:?

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