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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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    • 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.
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Me and my debts - questions


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  • 2 weeks later...
I am in a situation where my house sale is about to go through, am going to try and settle a lot fo debt I owe a Scottish collections company about £20K asked them what they would accept first figure £16.7K I said I would have may be £9K and they said immediately "we can drop to £15.5K". They then said phone when you have the cash basically. Any one any stories to relate as to where these companies are settling.

 

Bigger picture we will be moving into rented, so the chance they have off securing the debt will go and I am paying £50 a month so not really making any inroads.

 

Also have a debt with Lloyds of 17K will offer them £7K on the basis they are unsecured and Lloyds are skint and must need every penny.

 

Any thoughts/insight/prvious experience would be useful

 

How did you get on Joe?

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thanks. would this then have an adverse effect re credit rating?

Also, a bit off topic, but what effect does going on a 'repayment plan' re a cr cd have re credit rating etc?

 

I am on reduced repayment plans with both MINT and Capital One.

Both have default markers on my account.

MINT default and terminated the account before they would even consider a repayment plan.

Capital One issued a default after I started a repayment plan.

So it matters not wether yu pay them or not they still f**k your credit rating up

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In the past I have offered an unusual settlement percentage. Say 4.78% or 9.3%, something like that, it does look like you have thought about it or exactly worked out your I/O!! Anyway it has worked for me.

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In the past I have offered an unusual settlement percentage. Say 4.78% or 9.3%, something like that, it does look like you have thought about it or exactly worked out your I/O!! Anyway it has worked for me.

 

Love your thinking, :)

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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  • 10 months later...

Hello,

With the help of CAG I have ben able to move on with my life reducing my debts by some 70% using negotiating tactics learned on this site reducing F&Fs, Thanks to all contibutors

I have however now moved and am conscious I have 2 companies still who have not agreed to settle. In addition to this 1 previous company who did settle are now sending letters informing me that I have an oustanding balance so..

a) Do I need to inform these comapnies I have moved

b) What would your actions be towards the 'settled'company

Regards

Exasp

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They did agree with t&C'S which I am concerned about, my other half has since purchased a property solely in her name for her and the kids which I amhappy about. I dont want to post the t7c's here in case they are not generic

Any Suggestions?

Thanks

Exasp

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If you beleive they have breached the conditions of the F&F then contact them and complain.

 

As for informing creditors of your new address, there is no law that says you have to, but it would be wise to, because if they got wind you have moved and not informed them, they could serve court papers to your old address , you would be unaware of the service and they would get a judgement by default.

 

Even if you used a mail re-direction service they can easily find out where your post is being re-directed to

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  • 2 years later...

Hello

Having reviewed my credit file recently one of my debts has been logged as in default since September 2007 so is this now statute barred?

 

Also what I can't understand is that all my debts went unpaid at this same date when I lost my job

but some show as defaulted as late as 2013.

 

These debts have been bought by IND & Capquest but I haven't made a payment so how do I find out how this has occurred ?

 

The Capquest debt shows August this year as the default date and ind in 2009 but this is impossible.

 

Thanks to anyone who can help

Exasp

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Hi,

The default date and the date a debt becomes statute barred are not the same.

 

Statute barred = no payment or unequivocal written acknowledgment of the debt in 6 clear years, however defaults are placed some time after the date of the last payment often 6 months or more later, the default entry remains on the credit file for the full 6 year period even though the debt is statute barred.

 

Are these other entries by Ind and Capquest actual new default dates or are they the dates that the files were updated.

Are there entries on these debt showing for example the term 'date last delinquent? This indicates the date the last payment was made.

 

If you can please post up suitably redacted screen prints of the file entries, I will try to sort this out for you.

 

You will need to ascertain exactly when the last payments were made.

 

It is likely that you will need to make Subject Access Requests (SARs) to the original creditors on these debts.

 

The rule is only 1 default can ever be registered for any debt, companies like Ind and Capquest cannot change the original default date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brigs

I only am going off one of the three but in essence they were all paid last at the same time when I had money. It's a long story but soon as I lost my job within a month I was in real trouble. Everyone deserted me so I had no choice but stop paying. I will order another credit report and come back to you,

I'm working again now brigs and am away til Tuesday so if I don't come back to you till then will you still pick this up with me?

Thanks

Exasp

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Yes of course I'll be alerted when you post again!

 

Best wishes,

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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