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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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      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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AIC & Triton


mr deeds
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1st post so bear with me!

 

I have CC debts with Lloyds TSB (Create Card) and RBS (RBS Advanta the MINT). I did get voluntary arrangements with them but had trouble keeping them up, although I could make them now they have refused.

 

I wrote to both requesting the CCA's on 12/11/09. The responses were as follows:

 

AIC - Lloyds

 

"Thank you for your letter received in our office 13/11/09.

 

I note from your letter you are requesting a copy of the consumer credit agreement and claim to have preciously requested it from AIC.

 

In accordance with Section 77/78 of the Consumer Credit Act, it is the responsibility of the original creditor to provide this copy and we have therefore today requested the documentation from Lloyds TSB.

 

AIC will endeavour to have the copy agreement provided to you within the relevant timescales, however it should be noted that we are relying on our client providing it to us in a timely manner.

 

Upon receipt of this copy agreement we will forward it to you; and should our client advise this is not available, we will write to advise you of such"

No phone calls or hassle from AIC yet!

 

Triton - RBS

"We write with reference to the above outstanding debt and aknowledge receipt of your letter dated 12th November 2009.

 

In view of the nature of your request we have passed your letter to Royal Bank of Scotland plc, who will contact you in due course.

 

We trust this clarifies the situation to you"

 

Triton passed this on to Green and Co Solicitors before receiving my letter. Green and Co have now closed their file following advice from Triton.

 

I know it's early days yet but what should be my next move?

 

Any help/ advice gratefully received - thank you

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if neither fwd a cca copy that meets the requirement in 12+2 working days from when you sent it, then gameover, you can stop any payments.

 

the crap they have sent you means nothing, it is who is chasing you that has to respond, and if they fail 12+2 tough luck.

 

absolute rubbish that you have to wait because of xyz excuse.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Okay, today I received a reply directly from MINT (RBS) dated 3rd December 2009 which is 27 days after I sent the original request to Triton.

 

They have sent the attached documents, and referred me back to Triton.

 

RBS Agreement.pdf

 

Please could someone advise me whether the agreement is enforceable, and if so how should I deal with Triton as they previously would not entertain a manageable arrangement?

 

Many thanks

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ok look pretty std.

 

so what do you owe and have you reclaimed unlawful charges etc.

 

as for people not accepting your offer

 

TOUGH, write telling them that they will be getting £XX for xx mts.

then pay it without fail by internet banking.

 

there is very little they can do to you.

 

if and a VERY big if it every did get to court

the judge would laugh them out the door as you have been paying what you consider a resonably amount, and would prob assign a SMALLER sum.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx for the reply.

 

Is the agreement enforceable, as it seems what they have sent through is the approved application form?

 

I haven't reclaimed any charges yet, is there a sticky post detailing what can be claimed back?

 

What about the delay in replying etc. I'm not trying to get out of this, just want to make sure I do the right thing

 

Thanks

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For a start it is totally illegible and copies of documents must be easily read.

The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983

Legibility of notices and copy documents and wording of prescribed Forms

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible.

 

They are not going to court with this as it is impossible to tell what the prescribed terms are supposed to be even if a judge accepted that the bottom Terms and Conditions were part of the application form. The ball is now in your court. You can offer them £1 a month or tell them to sling their hook until such times as they produce a legible copy of an agreement.

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The delay in replying is irrelevant once they have sent you the copy. You can hardly claim back charges if you are going to put the acount in dispute on the grounds there is no agreement for this alleged debt. You can only do so if you accept the debt. I personally would tell them this is not an enforceable agreement and until such times as they produce one you will have no further correspondence on the matter but I said that is your decision.

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For a start it is totally illegible and copies of documents must be easily read.

 

 

 

Are we looking at the same document? The one posted up by Mr Deeds, 3 pages long of which one is a covering letter the other 2pages an alleged credit agreement/app form are all perfectly legible to me?

I reside in Dawlish Warren but am not a rabbit.

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looks ok to me.

 

as for the charges

well you'd need all the statements to total them up and sar will be needed if you dont have them.

 

as for reclaiming on an uneforceable agreement,

there is far too much put on this issue of is it or isnt it.

even if it is not, it does not make the debt go away , its not some magic bullet that get debts written off & it doesn't stop them from demanding money, just they cant go to court with an unenforceble agreement.

 

likewise the reverse applies, they charged you unlawfully get it back.

 

i've got admit that a debt of this age is normally sold off

 

we have no history or figures, what are we actually looking at ?

some history please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks Pinky, you're right that the terms are illegible in places (page 2 bottom right hand boxes) and I appreciate your other coments.

 

I should have also posted up a copy of an undated letter, on plain paper which to me proves nothing and I wonder whythey sent it?

 

RBS Agreement 1.pdf

 

With regard to who to deal with in terms of claiming it is illegible and unenforceable, should I respond to RBS, or Triton who they say are acting on their behalf and should I just quote the extract you have or is there a 'standard' letter?

 

Also as you will see from my original post I am alos dealing with AIC, and I have not received anything back from them or Lloyds TSB other than what I posted. Should I now issue an 'In dispute letter'?

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Thanks dx.

 

the debt is around £9500. I had a IVA of £100 per month with them and hit some hard times and missed a couple of payments. I am now in a position to fulfill the IVA but they would not accept this arrangement and Triton demanded full payment, or £950 per month.

 

I'm not particularly worried about trying to claim back other charges, just want to get this resolved. I don't however want to give in to their bullying. Their best chance of getting their money back is to work with me.

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other doc is password protected

 

ignore triton

OC has not sold the debt [which is a shame]

original credit limit was £2k?

 

how come it s £9.5k? now?

 

you say charges are not important?

i bet you have heeps?

you'll get all those back + int 8%

if it were me. i'd tell the oc what you are going to do as above then do it.

they cant argue if you do it by internet banking, but, you must do something and stick to it.

 

my post 10 holds some links

do some reading and have a think.

 

nuff said

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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By no stretch of the imagination are these documents legible and there is nothing wrong with my vision. In addition to the illegibility of the Terms and Conditions, part of the application form is totally obliterated - they are supposed to be "easily read."

 

I can read the terms and conditions almost word for word and if you highlight that part and right mouse click it makes it go a shade of blue which gives even better readability, if the legibility of the document was

brought up in court as a point to argue it is my opinion that the argument would fail.

 

Under the stamped box with the principal card holders signature is as in the Credit Agreemnt regulated by the consumer credit act 1974 and under say section 4 and right under the 02 May 1997 part it states

In calculating the ANNUAL PERCENTAGE RATE no account has been taken of any variation in the rate of interest as a result of changes to the base rate or any other item entering into the calculation which may be varied from time to time by notice to the Principal Cardholder

 

It gos on to say 'Where requested I hereby authorise you to issue in accordance with the Conditions of Use as set out overleaf and as may be amended from time to time an addtional RBS Advant Card to the ...etc etc....

 

It goes on to state . I confirm that my personal information may be used as described in the Data Protection box above. I understand that

 

an then moves into bos for YOUR RIGHT TO CANCEL and even though the outline of the approval stamp cuts through some of it it is still largely legible 'Once you have signed the agreement you will have for a short time a right to cancel the ------ and when you do this will be sent to you by post by RBS Advant

 

I'm looking (at least I think I am) at the same document as you and I can see what is a scanned document where the legibility of the document may diminish by virtue of the scanner and of course I don't have the document in my hand but essentially I can read it and if can I'm sure others can and could.

 

[EDIT]

Edited by Rooster-UK
Sarcastic remark removed.

I reside in Dawlish Warren but am not a rabbit.

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I gave my opinion - it is up to the poster to make his own decisions. You are free to disagree [EDIT].

 

 

You're right re the opinion but you also told them it was 'totally illegible' and that there was 'nothing wrong with your vision' which given that I could read the document in question and with relative ease leads me to think that perhap you do need 'specsavers' that isn't cheek but simply an observation coupled with my opinion. Don't be so serious and in any case if you're not minded to visit Specsavers then try Vision Expess :D

Edited by Rooster-UK
Personal remark removed from quote.

I reside in Dawlish Warren but am not a rabbit.

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[EDIT].

 

Strange as it may seem I'm here because of debt and being in it plenty, a thirst for information and for me to pass on what knowledge I gain from the site and from fighting my own debts. [EDIT] There is a simple choice, offer an alternative opinion to mine or say nothing and move along. [EDIT]

Edited by Rooster-UK
Personal comments removed.

I reside in Dawlish Warren but am not a rabbit.

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:D

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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other doc is password protected

 

ignore triton

OC has not sold the debt [which is a shame]

original credit limit was £2k?

 

how come it s £9.5k? now?

 

you say charges are not important?

i bet you have heeps?

you'll get all those back + int 8%

if it were me. i'd tell the oc what you are going to do as above then do it.

they cant argue if you do it by internet banking, but, you must do something and stick to it.

 

my post 10 holds some links

do some reading and have a think.

 

nuff said

 

dx

 

Apologies, this files isn't password protected

 

RBS Agreement 1.pdf

 

Debt is £9.5k because I've had the card over 12 years, and the original amount I transferred onto the card was £2k

 

I'll carry on reading but any other advice, without the petty sniping, would be be very much appreciated particulalry in relation to AIC and Lloyds

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All personal remarks have been removed.

 

While we welcome differences of opinion and healthy debate, these forums are not the place for personal remarks and sniping.

It creates bad feeling and does not help the Original Poster, whose thread this is.

 

Rooster-UK.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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  • 1 month later...

Right I wrote back to Mint claiming it was illegible and they had failed to provide me the required documentation.

 

They replied on 28th as attached.

 

On 29th I received a letter from RMA chasing payment, despite Mint saying they have passed it to AIC.

 

On 5th I received a call from RMA being abusive, and ringing back a further two times when I told them where to go and put the phone down.

 

Obviouly I am getting rather anxious now. I have started the repayment to Mint of £50 per month as per my letter but really need some more advice please?

 

All the letters are in the attachment

MINT RMA 280110.pdf

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Thanks Pinky

 

Should I write to Mint and tell them what I am doing? i.e. that I am going to pay them the £50 per month and that I will not correspond with any of their DCA's?

 

Should I also write to RMA and refer them back to Mint and state that I will not correspond with them?

 

It doesn't feel right just leaving it as it is right now, and I half expect more phone calls if I don't act.

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