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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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      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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HFO and Citifinancial Debt


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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

 

Hi Fox can you start your own thread on this.

 

 

cheers

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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Roger? Crikey, don’t get familiar... Start your own thread and then...

 

That certainly seems like a breach if those details were from anything other than the electoral roll.

 

Did the letter actually say bailiffs would be sent? Hope the court doesn’t execute them first (or maybe I do...). Was it the standard 72 hour letter? When you have 20 posts, you can put it on here. Maybe get it scanned in readiness.

 

What you need to find out is

(a) do HFO have the right to collect this?

(b) have they added interest or charges they are not entitled to?

© were there unlfair charges on the original account?

 

To do this, you need to send a subject access request to Citi, and a CCA request to HFO.

 

Who claims to own the account?

 

EDIT:

 

Will ask a mod to make a new thread for you with the title ‘HFO threats on Citi debt”

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Hello and Welcome, foxoidbox.

 

I have started a new thread for you, please continue to post here, regarding this matter.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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The letter states that the debt is due for immediate repayment and if its not received within 3 days then the account will be escalated to the legal desk to take legal action against me. From what i can gather they havent yet got a judgement against me!

 

The original defaulted amount was for £1347 but HFO are demanding £1993.17

 

Im so worried about this

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Im so worried about this

 

Thats only natural, but in finding CAG and the HFO fan club, that will all change, keep posting, research all the other HFO threads and we will do our best for a happy ending.

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 and Welcome

 

Standard HELP pack below - don't worry

 

Complaints

 

OFT&TS via http://www.consumerdirect.gov.uk/contact

 

MOJ via http://www.justice.gov.uk/contactus.htm

 

Local MP via http://www.writetothem.com/

 

OFT Guidance link

 

This helps when drafting a letter to OFT

 

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

 

 

Receipt of e-consumerview report complaints

 

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

 

Harassment Letter

 

To stop those annoying phone calls

 

http://www.consumeractiongroup.co.uk...esponse-letter

 

SAR Request

 

Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply. They have 40 days to reply. Adapt the last paragraph to give any previous addresses that the OC may have and attach a copy of a utility bill or they will write back and ask for one.

 

CCA Request

 

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute and this should stop them contacting you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

Account in Dispute letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

SAR Anon.pdf

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Hi

 

HFO have sent me another letter (72 hour notice of litigation). I did send them a letter recorded delivery at the beginning of last week requesting that they send me copies of the original documentation regarding the debt. They havent acknowledged this and are now saying that the debt will increase etc etc.

 

I am worrying again and need some advice as to what I should do next

 

Please help.

 

Thank you :-)

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Hi

 

Exactly which letters did you send? Did you send the CCA request and have you checked with Royal Mail that this has been received? The 72 hour letter is just a very empty threat designed to intimidate you so don't be alarmed. Did they attach anything to it?

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Hi

 

Yes I sent the CCA letter and I have checked on royal mail - HFO received it on 01.12.10, which is the same date that this letter they have sent me is dated.

The letter says if i fail to respond within 72 hours they will pass my details to their solicitors for legal action. They have attached information regarding CCJ which contains a load of FAQ's etc.

 

What should I do next? Should I send another letter referring to the CCA letter I sent?

 

Thank you

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After the 17th December, you can send the 'account in dispute' letter if you do not receive a valid copy of a credit agreement from them. This normally shuts them up. The letter link is in the post I put in above, with all the links on it. I would allow a few more days due to the festive season, so probably send after the holidays.

 

Do not write back to them, before putting the account in dispute. I would definately make some complaints to the authorities - again the links are in the post above, as the more complaints the better, about these people. I presume the leaflet was a Court Service publication? If so - you must complain to the court service about this misuse of their information, send the a copy of the letter and leaflet and ask why government information is being used to intimidate you.

 

Did you send the SAR request to Citi? This is worth doing soon as you can.

 

HFO are out to frighten you - don't let them.

Please support CAG and they will support you.

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I havent yet sent the SAR letter I will do this tomorrow. Should I just ignore the 72 hour litigation notice for now and wait until 17th to see if they send me the CCA stuff and if they dont i'll send the account dispute one?

 

Yes its a court service publication which they have attached it made me panic. I also changed my BT number to stop them from ringing me :-)

 

Thank you so much for this advice its helping to calm me down and stop me worrying so much, HFO certainly know how to intimidate people!

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I will find Citi address in a minute but regarding a complaint to Experian here are the details. Cerrtainly complain to ICO but you should send a complaint to Experian as ICO will ask if you have done this - I suggest you complain on the website and offer to post them the letter and report by post or electronically

 

Important if you have one of these reports

 

Link below to the e-consumerview complaints page for anyone who has received one of these reports. I would suggest that you register a complaint along the lines of (amend to suit):

 

'I have received a letter (dated...) from a company called HFO Services Ltd who claim that I owe them money for a debt. This letter states that they will (expand on threats......) unless I contact them within 72 hours. Attached to this letter is a credit report on myself which HFO have obtained from your service.

 

I am not aware that I have any financial relationship with HFO or any obligation to them and they have not offered any proof of this. I wish to complain, in the strongest possible terms, about the actions of this company and their use of my data in this way.

 

Can you confirm to me that this company are eligable to obtain my data from your service and are abiding fully with your terms and conditions
link3.gif
and the Data Protection Act'

I am happy to forward you a copy of the letter and report for your inspection - I will be progressing this matter with the Information Commissioners Office and OFT

 

Link to web site

 

http://www.uk.experian.com/e-consume..._complain.html

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  • 2 months later...

Hi

 

I need some more advice please. I sent the 'Account in dispute' letter on 4th Jan and today I have received a letter today from HFO containing the application form for the loan. They havent sent me the requested statements etc! What should I do now? Please help.

 

Many Thanks

 

Louise

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