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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. 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. Can a PPC (claimant) 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.
    • 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.
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To Set Aside Or Not To Set Aside Statutory Demand


BarclaysSAR
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Hi All

 

Quick update of current events and then looking for advice.

 

Had Baclays loan and the fell behind, Barclays then sent me a defaullt notice with the following info.

 

Due on x date 200x: £579.57

Late payment interest: £13.91

Other Charges: £15

Total Due: £712.53

 

Further down page:

 

Arrears etc: £712.53

Total remaining payment: £3891.71

Less rebate allowance* : £1669.18

Outstanding balance: £3879.74

 

* The rebate is calculated on the assumption that payment is made on the date shown and reviewed if payment is not made on date shown.

 

Termination letter received:

 

Header: NOTICE OF TERMINATION

 

Arrears: £976.24

 

We now accept repudiation as termination of this agreement.

More txt etc

 

Had sent barclays a SAR over 18month ago, have proof of delivery and £10 cashed, barclays have never replied to sar.

 

It was agreed with barcalys that i would pay £50 per month and as of 3 month ago had paid £1000

 

Now out of the blue have received letter from DCA which states blah blah "The effect of this assignment is that the debt has been assigned to DCA" more blah blah.

 

Then 4 days ago receive letter stating they are "considering making an appoitment with you to arrange service of a statutory demand in bankruptcy under section 268(1)(a) of the insolvency act 1986."

 

Atfer reading this site, i know that the default notice is defective as the arrears are incorrect and the DN states outstanding balance, which is also incorrect.

 

Termination letter states arrears only, no total amount owing or date to repay ( not sure whether TN requires this)

 

Also i never received a letter from barclays telling me about Notifications of Assignment ( also not sure whether this is also required).

 

Do i tell the DCA about defective default notice or let them try and make me bankrupt and then have it set aside.

 

As i have paid more than arrears, can i make a counter claim and sue the DCA?

 

Any help on these points would be appreciated.

 

BarclaysSar

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Threats and bluster. They are talking complete crap and they know it. Have you sent the S77/78 request for info? If not, now's the time to do itIf a debt is assigned, you MUST be informed in writing - doesn't matter which party does it - if you haven't been informed, then legally, the assignment is ineffective.Yes, I think S 77/78 request is required first

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Hi rameses_qc

 

DCA sent me a letter saying "The effect of this assignment is that the debt has been assigned to DCA"

 

So i suppose that meets the requirment.

 

Have not yet sent S77/78 info.

 

Thanks

barclaysSAR

 

Yes, as far as the law is at present, that's enough. Definitely send the S77/78 before anything else. that will clarify whether or not the debt exists, and whether they have the right to collect it

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Hi

 

Can anyone please tell me whether it is better to inform DCA about invalid DN, or let them take me to court and then have it set aside, or let it go all the way to bankrupcy hearing and then show DN.

 

Thanks

BaarclaysSAR

 

P.S Forgot to mention what makes a valid Termination Notice, do they need to include total amount or just arrears.

Edited by BarclaysSAR
Added info about Termination noice
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Use the DN issues to help with the set aside when you need to.

 

As they have terminated the account, I am not sure that it is possible to reissue a DN with the correct details, so you might be on to a winner there, if you are correct about the DN. Perhaps others will comment, as to whether this is correct.

 

As far as I know the termination notice should set out the correct details, as at the date of termination. The same rules apply to the termination notice, as they do to the DN. (Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1993)

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Hi diddydicky and unclebulgaria67

My scanner makes lots of noise, but does not scan, so i have written out DN letter and TL below.

 

----------------------------------------------------------------------------------------------------------------------------------

 

DEFAULT NOTICE

This is a Default Notice serverd under Section 87(1) of the Consumer Credit Act 1974

Dated 06/11/2008

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

Notice is hereby given that you are in arrears of payments and in breach of the specific provisions of our agreement under which you must make all payments to us punctually on their due date.

 

The outstanding payments are currently:

 

Due on 14/05/2007 £579.57

Late Payment Interest £13.91

Misc Additional Charges £15.00

Total Due £712.53

 

You are required to send payment of the full arrears direct to this office no later than 20/11/2008

 

If the action required by this notice is take BEFORE THE DATE SHOWN no further enforcement action will take in respect of this breach.

 

If you do not take the action required by this notice BEFORE THE DATE SHOWN then the further action set out below may be taken against you.

 

Failure to comply with this notice will result in us taken the following action:

 

1. Serving on you a notice, in writing demanding payment of the outstanding balance calculated as follows:

 

Arrears and accured LPI & Misc Add. Charges £712.53

Total remaining payment: 3,894.74

Less rebate allowable*: £1,669.18

Outstanding Balance: £3,897.74

 

* The rebate is calculated on the assumption that payment is made on the date shown and reviewed if payment is not made on date shown.

 

----------------------------------------------------------------------------------------------------------------------------------

Date 04/12/2008

NOTICE OF TERMINATION

Arrears: £976.24(Including Late Payment interest & misc. additional charges

 

Due to your failure to pay sums due under the above agreement you have repudiated that agreement

 

We now accept your repudiation as terminating the agreement whilst reserving our rights to damages and other sums due.

 

Without prejudice to the foregoing, you have breached the terms and conditions of the agreement. Under these terms and conditions we now give you formal notice of termination.

 

Our claims for any further sums payable by you will be submittted to you in due course.

 

--------------------------------------------------------------------------------------------------------------

 

Hi diddydicky

 

Yes they did terminate the agreement, then assign a DCA

 

DCA has not sent me a DN or termination letter, just letter of assignment and now letter threatening statutory demand if money £6500 is not paid in 21 days.

 

Now considering it was agreed with Barclays that i would pay £50 per month which i have being paying for about 2 years, there is no way i'm now going to pay a DCA £6500 when i proberbly had about £1500 left to pay.

 

Thanks

BarclaysSAR

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Sorry loanbuster but that is duff advice

 

ive done at least 50 set assides for people from the likes of lowell and crappyquest

 

a dca like crappyquest just print them off and send the sd out like confetti

 

they are not set asside in the high court as such

 

a local county court that deals in bankrupcy petitions set them asside

 

we all have to learn but please dont give addvice you are unsure off

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Hi diddydicky and unclebulgaria67

My scanner makes lots of noise, but does not scan, so i have written out DN letter and TL below.

 

----------------------------------------------------------------------------------------------------------------------------------

 

DEFAULT NOTICE

This is a Default Notice serverd under Section 87(1) of the Consumer Credit Act 1974

Dated 06/11/2008

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

Notice is hereby given that you are in arrears of payments and in breach of the specific provisions of our agreement under which you must make all payments to us punctually on their due date.

 

The outstanding payments are currently:

 

Due on 14/05/2007 £579.57

Late Payment Interest £13.91

Misc Additional Charges £15.00

Total Due £712.53

 

You are required to send payment of the full arrears direct to this office no later than 20/11/2008

 

If the action required by this notice is take BEFORE THE DATE SHOWN no further enforcement action will take in respect of this breach.

 

If you do not take the action required by this notice BEFORE THE DATE SHOWN then the further action set out below may be taken against you.

 

Failure to comply with this notice will result in us taken the following action:

 

1. Serving on you a notice, in writing demanding payment of the outstanding balance calculated as follows:

 

Arrears and accured LPI & Misc Add. Charges £712.53

Total remaining payment: 3,894.74

Less rebate allowable*: £1,669.18

Outstanding Balance: £3,897.74

 

* The rebate is calculated on the assumption that payment is made on the date shown and reviewed if payment is not made on date shown.

 

----------------------------------------------------------------------------------------------------------------------------------

Date 04/12/2008

NOTICE OF TERMINATION

Arrears: £976.24(Including Late Payment interest & misc. additional charges

 

Due to your failure to pay sums due under the above agreement you have repudiated that agreement

 

We now accept your repudiation as terminating the agreement whilst reserving our rights to damages and other sums due.

 

Without prejudice to the foregoing, you have breached the terms and conditions of the agreement. Under these terms and conditions we now give you formal notice of termination.

 

Our claims for any further sums payable by you will be submittted to you in due course.

 

--------------------------------------------------------------------------------------------------------------

 

Hi diddydicky

 

Yes they did terminate the agreement, then assign a DCA

 

DCA has not sent me a DN or termination letter, just letter of assignment and now letter threatening statutory demand if money £6500 is not paid in 21 days.

 

Now considering it was agreed with Barclays that i would pay £50 per month which i have being paying for about 2 years, there is no way i'm now going to pay a DCA £6500 when i proberbly had about £1500 left to pay.

 

Thanks

BarclaysSAR

 

sent by first class post should have given you until 24 November 2008 therefore was 4 days short (6 days is second class) followed by termin ation letter- i hope you have confirmed acceptance of their unlawful repudiation and NOT made any payments to them since that date

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Hi diddydicky

 

At the time i did not know as much about my rights as i do now, i agreed at the time when they phoned me i would pay £50 per month and as such i have paid about £1000 until i got sick of DCA contacting me.

 

But as the arrears amount to £579.57 i have now paid the arrears off. I may be wrong, but as they issued a defective default then they are not entitled to the remaining balance.

 

I have not paid anything to the DCA.

 

Regards

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Things a getting interesting, DCA have not even given me the 21 days to reply to the threat of statutory demand, about 7 days.

 

When i have just opened my mail to find they are going to send someone to my house and serve a statutory demand, and "assess your assets" lol.

 

They have also told me costs of making me bankrupt will be £4500 and added to my debt.

 

Pretty sure only a judge can award cost.

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