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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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YES car credit and Go Debt HELP!


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Hi,

 

Im really sorry if this is in the wrong place! I stupidly got a car through YCC back in 2003 with my husband. We were told we HAD to take the PPI and GAP insurances or we would NOT get the car so we took them.

 

We were also told that after paying back HALF the owed amount we could either hand the car back OR get a newer car. We chose to hand the car back after paying HALF the owed amount over 2 years.

 

Then the letters started saying we had to pay almost £2000 as we still eeded to pay for the full 4 years of insurances even though they had re sold the car and we didnt have it!

 

I never gave them another penny and would periodically hear from them periodically get threatening letters from them and then go debt.

 

However Im worried as I now own my own home and they have started again and are saying if i dont pay they will make me bankrupt and im worried I will lose my home.

 

Also I have heard people on forums mention charging order - what is that??

 

I havent ever been to a solicitor or anything - im not sure I could afford one to be honest. I have 2 young children and am gettig very worried we will lose everything.

 

Please can someone help me? We dont have any of the original agreements or anything. We have aso been told that if we pay them £500 they will write the rest off.

 

Oh and I am in Scotland too.

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Firstly Stop worrying and definately DO NOT GIVE THEM ANY MONEY.

You need to get sight of the original agreement and the T&C.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter. Send with a £1 postal order by recorded delivery and do not sign it.

 

Most of the agreements that these cretins issued are not worth the paper they are written on, you will find lots of threads on this forum about them.

Mainly because of hidden broker fees and insurance.

You are NOT going to lose anything so relax, you have found CAG now, you are in charge of the situation.

Chances are you will be in a position to get the insurance refunded as you were miss sold it .

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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Thanks for that. But how do I prove that i was miss sold it?

 

Go Debt have been calling my familysaying they need to contact me with an urgent legal matter trying to get my details - no-one has given them any info.

 

So i called and explained I had been miss sold the ppi and she sid "prove it" and said she had the signed contract in front of her which I signed - so I said prove it. She said "we have cctv so I said well there is my evidence as it will prove I was told i HAD to take it - she said I would need to provide evidence myself and that when they took me to court I wouldnt even have a chance to provide evidence as I had signed the contract??

 

I have no idea what happens in these situations at all. But I will try and get a copy of the agreement. Thanks.

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Stop listening to the LIARS. send the letter as above and I am sure postgi will be along soon, he seems to be the expert on these type of agreements. Don't call them again as they will tell you anything just to part you from your money...

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Thank you so much. I have requested a copy of the agreement several times and they tell me they are not allowed by law to send these in the post but they must meet with me in person - of course I told them to get lost!

 

Why do they do this? Ask to meet in person I mean?

 

I have just printed of a copy of the above and will send it off - thanks.

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Stop talking to them on the phone, don't rush in blind without all the facts, giving them squirming room

You was missold it because you didn't have to have it.

Send the request as above

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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Thank you so much. I have requested a copy of the agreement several times and they tell me they are not allowed by law to send these in the post but they must meet with me in person - of course I told them to get lost!

 

Why do they do this? Ask to meet in person I mean?

 

I have just printed of a copy of the above and will send it off - thanks.

 

Total rubbish, they probably don't have one or know that what they have is Un-enforceable, they have 12+2 days to comply, so sit back and relax and do nothing. If they call you just say everything in writing and hang up, tell them nothing

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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OK - I haven't spoken to them for a few weeks as they dont have my phone number (I changed it) and I only called them to get them to stop calling my family.

 

I REALLY HATE THEM!!

 

Will post again once I get a response and hopefully I can get help with the next step. Cheers.

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sorry didnt realise we had another godebt ycc problem...have you had or got the agreement? this was a crafty pulled by ycc by misstating the amount of credit that you had..so in effect when you handed the vehicle back after 2 years you found you were still 1000's in debt...the agreement by the way is utterly unenforceable in law..and godebt has lost every bankruptcy hearing we have been involved in so far....let us know when you hear from the cretins and we will take it from there

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