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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. 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.
    • 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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Mrs.SS v Cap One - reclaim of Credit Card Charges


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seeing as Cap One have made no contact, and it is seemingly impossible to get email/telephone contact details of their legal department.

 

I got this from their defense paperwork, which was sent to me, try these details and see if it is of any help.

 

Zsuzsi Padgett

Legal Specialist (Non Solicitor)

Capital One (Europe) Plc

 

[email protected] | tel: 0115 843 8419 | fax: 0115 843 6483

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The banks have hundreds, if not thousands, of CCJ's against them. However, they try to avoid them being registered and certainly try to get them removed. If you get a CCJ against a bank, you'll almost certainly be paid by them unless they appeal.

 

To SS - I hope the contact details prove useful in giving the bank a chance to settle before court.

 

Otherwise, good luck next week.

 

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so many Banks etc have files & files of CCJs against them

Sometimes, this is purely due to banks' huge size and inefficiency! They may, believe it or not, actually not know that some of these CCJs exist, or the claimant who got the CCJ has simply left it like that without pressing for enforcement, which is the whole point of getting a CCJ.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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For all of you thinking that Cap One will just 'cave in' please remember what I said previously about it not being guaranteed...

 

We have received a court bundle today from them, so they are certainly intent on taking this to the wire. Please please get your preparations organised.

 

I will post further when Ive dissected the witness statement....to be honest, the rest just looks like bumph - T&Cs, application forms etc. However, we received it 3 days after it was due, and court date is wednesday.

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Thanks SS for keeping us up to date, I am only in need of a WS (some help would be appreciated) and I am after a good summary for two test cases and then these should complete my bundle and ready for print. If you could trow any info my way I would be more than grateful.

 

Also did you email that person from capital one, any feed back from them, just curious. Probably doesn't matter now as you have received their bundle.

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Yes I did email that person (twice in fact) but received no response.

 

Funnily enough, its the same person whose witness statement I will be reading carefully tomorrow.

 

If you dont mind, I dont want to share my WS around until after my court hearing, as to be honest, if it proves to be a flop, I wouldnt want others to suffer because of me.

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Ok I see, well post their WS up if anything.

 

I understand and appreciate that not a problem, I did remember you did say that about the WS, I can wait, I doubt it will be a flop though :). I will wait.

 

Do you have summaries for both Sempra vs IRC and Kleinwort Benson Ltd v Lincoln City Council? I have been searching the net for a very good summary and I am still at the moment.If you don't mind PMing those I would be grateful :).

 

I am wishing you the best for Wednesday! I will be here eagerly waiting for te good news and for tips as to how I should go about mine also :). All the best again for Wednesday.

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mp

 

Yes and no....

 

I received a full refund of charges plus some decent interest from Aqua, however I didnt chance my arm there as members of the Halifax group are getting a name for defending vigorously and retaining some serious legal muscle.

 

I took Natwest to court and won with compound interest, but perhaps mainly coz their legal representatives were erm....crap. They forgot to defend, so I got judgement by default. From then on it was a question of haggling / getting the money out of them. Theres a thread on the Natwest forums somewhere. Even with a judgement it was quite stressful as they try to convince you they will easily get it set aside.

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Still Surviving , good luck for tomorrow - we have a hearing with them in Sept - after they had been lapssidasical about the whole court process, they had extension after extension - never known anything quite like it!

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We have received a court bundle today from them, so they are certainly intent on taking this to the wire. Please please get your preparations organised.

Hmmnn, this is interesting. Why would they go through the trouble and expense at this level for such low amounts?

 

The legal brains on these threads should look further into this.

 

'Praying' you all the best SS. :-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Well Ive just spent the morning going over the WS submitted by Cap One. To me it is absolutely full of holes and inaccuracies but it remains to be seen whether the judge will agree.

 

The absolute crux of the matter is they say 'Default Sums have already been held as not being penalties in Common Law' and they quote the OFT case that the banks won in the supreme court. Now we all know that case related to specifically Bank Current Accounts NOT credit cards. Lets hope the judge is clued up on this and not easily led by a smooth barrister.

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The absolute crux of the matter is they say 'Default Sums have already been held as not being penalties in Common Law' and they quote the OFT case that the banks won in the supreme court. Now we all know that case related to specifically Bank Current Accounts NOT credit cards. Lets hope the judge is clued up on this and not easily led by a smooth barrister.

SS

Have you been able to devise a well worded rebuttal of this particular assertion? Is/are there any on CAG? If this is what they're pinning their hopes on, it's worth putting heads together to come up with a strong argument against it.:evil: It's one thing us lot knowing the SC doesn't apply to non-current accounts but smooth talking barristers have demonstrated jedi-like powers over some judges before. I've also read somewhere else on CAG not too long ago that the SC ruling has/is being used by mortgage lenders to back mortgage arrears charges as well. :-x

 

Are the CAG mods aware of this 'new tactic' though? That lenders are now using this argument to defend credit card charges reclaim actions? If so, a strong direct rebuttal is needed, and possibly an update to all the relevant POC templates!:shock:

imo

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Well guys.....I lost :(

 

Everyone here MUST now expect Cap One to defend these cases thoroughly if you are going for older charges.

 

They retained the services of a London EC4 barrister, who was extremely efficient and knew Consumer Credit Law backwards.

 

In case you think I may have slipped up, the judge actually said I had prepared one of the best court bundles he had seen this year, and my

arguing of the points I wanted to make was done most admirably.

 

However:

 

Do not expect Cap One to pay anything over six years old. They are convinced they can now overturn the provisions of the Limitations Act 1980 32.1c with legal argument and this judge certainly agreed. If you choose to use the Kleinwort Benson case now....you will get a very detailed rebuttal.

 

I very very nearly got the judge to go my way....but then he seemed to just fold and find for Cap One.

 

They are also using the OFT v Abbey National test case as concrete proof that default sums cannot be assessed as penalty. Yes yes yes I know the case didn not apply to credit cards (must have said that in court three times) but they now assert that s6.2 of the UTCCR 1999 enables the two to be linked.

 

Well....I lost but Im not gutted. The whole experience was not unpleasant (though a little dull, as the judge talked so slowly for the transcriber)

 

if your case contains charges before and after six years old, expect them to pay back the newer charges when they file their defence, then tackle you head on for the older stuff.

 

 

Sorry guys....but I really didnt let you down. I could not have argued any better for a litigant in person.

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Hi SS

 

Just to say that I'm really sorry about the outcome for you today...its clear that you have put a lot of work into this.

 

I'm curious to know how they got around S32 though.....do you recall any detail or the arguments put forward?

 

Best regards

 

ims

 

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Yes I have their argument here....

 

Basically they are alleging Kleinwort Benson clearly relates to mistake in law which was rectified by a subsequent change in law. If you allege that payment of the charges was a mistake in law, they will counter by saying the OFT review in April 2006 was not a change in law, but simply a 3rd parties interpretation of the law. The judge very strongly agreed with this.

 

Having seen their argument ahead of time, i tried strongly to argue that payment of charges was a mistake of fact, not law - as this is discussed in Kleinwort as well. The judge was giving serious consideration to this for quite some time, and I thought he was going to agree, but ultimately he decided the whole of Kleinwort related to a mistake in law, and thus could not be used to support my argument for postponement of the limitation period

 

As you can see....it is now no longer possible to just cite a crucial case like this, you must assume that Cap One will be looking to pick it pieces, and will use the personnel they need to do so.

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By the way, Im now quite chilled out after all this is out of the way. Slick132 will confirm just how much effort was put into this, and the pressure I felt under. However, I honestly beleive I did the very best I could have done as a LIP, but when these guys bring out the heavy professionals, you are really up against it from the start.

 

I must also point out that if anyone is intending to push their case into court, you simply MUST put in 100% effort. Do not forget that even in the small claims court, if the judge thinks the case was without merit, or very poorly prepared and a waste of court time, you can still get some costs awarded against you....

 

We simply must bury this idea now that Cap One will just cave in.

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I'm grateful to you SS.

 

There have been a couple of losses reported in the forums lately and it appears that the banks are fighting back with even more vigour at present.

 

As you say, claimants need to be aware of these counter arguments and can no longer take the view that they will cave in before the hearing.

 

As I say, I am sorry to hear of the outcome and hopefully the points you make will help others in the future.

 

My best wishes to you and Mrs SS

 

ims

 

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I am sorry for the outcome of your case SS, I know you are not gutted but I am!

 

My thought of the following you mentioned.....,

 

s6.2

6.—(1) Without prejudice to regulation 12, the unfairness of a contractual term shall be assessed, taking into account the nature of the goods or services for which the contract was concluded and by referring, at the time of conclusion of the contract, to all the circumstances attending the conclusion of the contract and to all the other terms of the contract or of another contract on which it is dependent.

 

(2) In so far as it is in plain intelligible language, the assessment of fairness of a term shall not relate–

 

(a)to the definition of the main subject matter of the contract, or

(b)to the adequacy of the price or remuneration, as against the goods or services supplied in exchange.

 

^^^^ This is what we now need to gather some legal arguments against, as from what I understand they have used the above to weave themselves into the same category as the Banks (current account ruling). Without thorough arguments and further laws for the above then clearly the above surely would rule out us using Kleinwort vs Lincoln City Council to claim charges beyond the 6yrs limitation act and also that they are paid in mistake.

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