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    • 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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Help needed with Appeal V Barclays


clivey888
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Sorry guys been camping with the kids over the weekend thought would be able to access on iphone but no signal.

 

Vjohn thanks can i go ahead and submit this?

 

Hi,

 

It needs numbers being added of course and a little tweaking specific for your case... I need a little help to be honest because I'm here, there and everywhere right now.

 

VJ

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Hi,

 

It needs numbers being added of course and a little tweaking specific for your case... I need a little help to be honest because I'm here, there and everywhere right now.

 

VJ

 

No probs VJ,

I dont want to bugger this up as it has cost me a small fortune i haven't got already, This needs to be in by end of week as the 23rd is the last day to object to the charging order, Need to get the appeal / set aside in then reply to the charging order same time.

 

VJ would appreciate it if you stick this out with me to the end as i feel far more confident with you onboard.

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No probs VJ,

I dont want to bugger this up as it has cost me a small fortune i haven't got already, This needs to be in by end of week as the 23rd is the last day to object to the charging order, Need to get the appeal / set aside in then reply to the charging order same time.

 

VJ would appreciate it if you stick this out with me to the end as i feel far more confident with you onboard.

 

Have you a date for final hearing, they should not allow the final charging order if their is a set aside application

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Like I said, we need a defence to the action now based upon everything you have. But the defence will centre around the assignment issues and we really need you to understand everything we put about this because we know, and they know, that the assignment is their downfall every time.

 

I think I have all of the docs... we just need to work out the PPI refunds/statutory interest/default charges etc for the correct figure. We'll get the set aside based upon an incorrect claimant and incorrect figure... then it'll start over again.

 

If you agree to the remainder of the balance and are satisfied that HFO have a legal claim to the monies you are free to make them a reasonable and affordable offer. If you are still unsatisfied with the assignment issues then they have no lawful cause of action or legal right to any monies.

 

So defence next...

 

VJ

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I need some guidance on this... sorting out the defence now.

 

1) Did this have PPI on it/default charges etc?

 

2) Have HFO/TR failed to comply with disclosures/legislation/CPR etc?

 

VJ

 

Sorry vj,

What had ppi / charges ?

 

Not understanding your question here buddy

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Sorry vj,

What had ppi / charges ?

 

Not understanding your question here buddy

 

He needs to know

 

a) If the account (loan/credit card) had Payment protection insurance on it

b) If there were any default charges (going overlimit, late repayment) on this account, basically cos it helps invalidate the default.

 

Hth

 

S.

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He needs to know

 

a) If the account (loan/credit card) had Payment protection insurance on it

b) If there were any default charges (going overlimit, late repayment) on this account, basically cos it helps invalidate the default.

 

Hth

 

S.

 

Thanks

 

Yes it had ppi and default charges to a subs amount, VJ copies were emailed if not rec let me know and i will send again.

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I need some guidance on this... sorting out the defence now.

 

1) Did this have PPI on it/default charges etc?

 

2) Have HFO/TR failed to comply with disclosures/legislation/CPR etc?

 

VJ

 

 

2) Have HFO/TR failed to comply with disclosures/legislation/CPR etc? No not that i am aware of, Apart from dropping docs on me at the last minute.

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The hearing date is set for sept 16th but states i can object by 23 aug.

Hi Clivey

Put why you object to the final charging order going through in writing, on the grounds that there is a set aside application in and until that is resolved a final charge should not be applied. also if a final charge is applied the claimant is incorrect, as HFO Services have no legal ownership.

 

Just to clarify when they got the charge against me it was in the name of Services, they tried to ammend the name back to Capital, they put this down to an admin error, I have it all in writing as you know.

 

Make sure you attend the hearing, if they do apply the final charge the set aside will remove it .

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi Clivey

Put why you object to the final charging order going through in writing, on the grounds that there is a set aside application in and until that is resolved a final charge should not be applied. also if a final charge is applied the claimant is incorrect, as HFO Services have no legal ownership.

 

Just to clarify when they got the charge against me it was in the name of Services, they tried to ammend the name back to Capital, they put this down to an admin error, I have it all in writing as you know.

 

Make sure you attend the hearing, if they do apply the final charge the set aside will remove it .

 

The set aside application has not been put in yet, It is correct that the application is to be put in the same time as the defence etc that VJ is doing right now?

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The set aside application has not been put in yet, It is correct that the application is to be put in the same time as the defence etc that VJ is doing right now?

 

Yes I think so VJ will confirm, by the time you get to the hearing the application will be in.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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At my final hearing I submitted a full defence, the judge was just not interested, all she asked if there was any ongoing proceedings, to which I said no, so she allowed the final charge, if there had been ongoing proceedings she would have not allowed the final charge.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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At my final hearing I submitted a full defence, the judge was just not interested, all she asked if there was any ongoing proceedings, to which I said no, so she allowed the final charge, if there had been ongoing proceedings she would have not allowed the final charge.

 

Thks

BA

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Re: HFO Services/Monument - Queries

 

 

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Learn how to sue or defend

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pearlsmall.jpg

HI EVERYONE I AM NEW TO THIS SITE,

 

I am emailing you has i have received a letter yestaday from Hfo debt collection
link3.gif
there are located in surrey,There sent me a letter reguarding an old debt from over 7 years ago which was from originally Barclaycard and there sent me a photograph of my street where i live and a copy of my credit file
link3.gif
.This is the 1st letter i received reguarding this debt in years.

 

Before realising how old the debt was i offered them a monthly payment and there refused the payment i offered them.And said there are going to take futher legal action against me and there are going to send me to court and said bailiffs
link3.gif
could come to my home.And This Dispute is over a 7 year old debt which should be now expired.

 

I did know the debt was old but, When i realised the debt was 7years old,I asked them for the credit agreement and the statements of the debt from the orginal creditor which was barclaycard and there told me it could take them up to 4 weeks before there get the paperwork from the orginal creditor.And my files are all ready with there legal department.....

 

i would like some advise on what to do.Has i think this debt collection agency is been unfair and i think there are breaking the law by taking photographs of my street and sending them to me though the post.

 

So far ive reported them to tradeing standards,consumer rights,office of fair trading,and the Ombudsman
link3.gif
service,

 

could ANYONE kindly reply with some advise for me please what to do

 

Thank you

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I need some guidance on this... sorting out the defence now.

 

1) Did this have PPI on it/default charges etc?

 

2) Have HFO/TR failed to comply with disclosures/legislation/CPR etc?

 

VJ

 

HI VJ,

Yes family and work always comes first obviously, I was just refering to this for an update as dates are coming and going and it put's the spooks up me reg funds already spent to fight this, I am in the process of writing a letter to deliver to the courts today to explain why i object to the charge order submitted as deadline is today.

 

I really would like to get the set aside in this week and as you are the main man with the expert knowledge to fight HFO i am relying on you VJ, Don't want to sound like i am pestering you but without you i have no chance, I am forever grateful for the work you have put in so far which is top notch, Hope you get things sorted soon yourside :)

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