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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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Just a few questions


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I've read the FAQ's etc, so my apologies if I'm asking something I should know.

I see that most people are claiming the full charges back - do we not make allowances for 'reasonable' costs? I know (from painful experience) that a lot of LloydsTSB work is now carried out in India where I'd imagine the wage to be in the £3-5 per hour area (unless I'm missing the point of them outsourcing), so maybe charges in this sort of area would be acceptable? I can't imagine it takes them an hour to pump out an automated letter.

I'm only asking because I'm preparing to go to Lloyds and claim charges back from the last year - these amount to arounf £1000 (I was amazed when I totted it all up). I know there are further charges going back over 6 years, but I'm a little reluctant to push my luck :-)

The straw that broke the camels back was a charge due on March 1st of around £120. I went over my overdraft and they bounced 3 direct debits. The galling part was that they did all this before the banks opened for business (yes, it says that in their T&Cs) and I deposited sufficient cash to meet the DDs and stay under the overdraft on the very same day! It was also my payday the next day (same as it has been for years) which I'm sure they would have known if they had just checked my account. Due to this I am being charged over 40% of my weekly wage! This in turn is going to leave me struggling next month.

I had tried to extend my overdraft online the night before, but was refused which just rubs salt into the wound.

I emailed customer services and asked if they would consider cancelling this latest charge, but they said they were unable to help and suggested I talk to my Branch.

 

Stuff it, I think they're taking the mick now, so I guess I'm going to go for it.

(P.s I saw the article in the Sunday Express so I think I'll need to beat the rush).

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Thanks. I'm not litigious by nature but some of the charges have really peed me off - especially the latest.

I looked at my online banking as recommended elsewhere here and I can indeed go back as far as July 2002 and search for all charges.

 

Frighteningly, from July 2002 thru November 2003 I paid out £2102.63 in various charges. From December 2003 until now I have paid an extra £1154.76 plus the £120 or so due! Many times they have bounced cheques, debits etc when the money was going into the bank next day (regularly, every Thursday) In January 2003 I was hit for £387.95 in charges! More than a weeks wage for me.

 

My worry is that I may for some reason lose the case due to something I may have missed.

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Oh well, in for a penny in for £1000. Email sent - I added a few bits to the template so will wait to see what they come back with.

I only claimed from July 2002 to a) save time and b) if they see that they would be liable for even more in the remaining 2 years, which they'll have to detail if they refuse my claim, it may force their hand somewhat.

 

Thanks for the help and advice. If you guys need donations to run this site and I win, I'll be happy to provide a %age to the website.

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Got the standard email reply back.

 

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.

I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB accounts.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments/the issues you have raised and that a response be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Customer Care

Birmingham

 

 

 

(I have my suspicions that he just cut and pasted this you know). :lol:

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Got the standard email reply back.

 

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.

I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB accounts.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments/the issues you have raised and that a response be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Customer Care

Birmingham

 

 

 

(I have my suspicions that he just cut and pasted this you know). :lol:

 

He probably did lol same mail i got and same person too, the next mail to come is identiacal to all the other lloydstsb 2nd mails posted on here lol mine is by David Just assistant manager, i think there are many assistant managers lol oh i got a letter too saying they will comply with my DPA request within 2 weeks. Don't let them take your money its yours by right, I downloaded my statements yesterday for 3 1/2 years and found it to amount to £2300 the statement i am missing i know for a fact contain the big charges the same as yours £300/£400 per month rolling onto the next month and adding extra on again. When i think of how afraid i was on the post man and how the only day i would come out of hinding was Sundays I am as angry as hell over it and i WANT my day in court but alas i probably wont get it but i will have the satisfaction of winnng albeit in a small way an organisation that controls its users and dictates too. :twisted:

Lloyds TSB -Settled in full 30/08/06 :)

Now whoes next :)

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  • 13 years later...

This topic was closed on 03/05/19.

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If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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