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    • 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.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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staffyloos repossesion ADJOURNED


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hi can anyone advise me had a possesion hearing last march but paid arears off so the case was adjourned weve fallen behind with payments again capstone have told us we have a repo hearing on 26 march .have had nothing from the court dont know what to do .dont want to lose my house

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Hi staffylou

 

Welcome to CAG.

 

I can understand what a worrying time this must be for you, but please stay positive. You will be able to defend their claim for possession provided you can maintain your monthly payments plus a small amount towards arrears.

 

Ell-enn should hopefully be around the forum soon and she is an absolute superstar with her knowledge on repossessions!!

 

Best wishes.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi staffylou

 

I'm sure with the help and advice on here that you'll have a successful outcome. I attended two repossession hearings with a friend, one for the mortgage and the other for a secured loan. I've never seen anyone as scared, but the relief once it was over for her was unbelievable. The Judge was very nice and it was over in 5 minutes. Once the judgement was made she said it felt like the stress of the last 12 months had just disappeared. Obviously she has to stick to her repayments, but she is no longer hassled by the mortgage company on a daily basis.

 

If you can afford your monthly repayment plus a little towards the arrears then you've a really strong case. Do you have dependent children living in the property?

 

Stay positive:)

 

jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi there, sorry to hear you are in this situation, but don't worry too much I'm sure we will be able to help.

 

Did Capstone give you a case number for the hearing on 26 March? Did you actually have a hearing last time, or was it cancelled because you paid all the arrears. If so then this is probably a restored hearing based on the original claim for possession.

 

Do you have the letter from the court regarding the adjourned hearing? It would be helpful to know exactly what it says.

 

Are you able to make an offer to pay something each month towards the arrears in addition to the normal monthly payment?

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hi ellen yes it is a restored hearing coz i got arreaars down to below 2 months dont have court hearing but remember it said something like it coulb be restored within i year which is exactly how long its been.

i do not have a case number have only been told by capstone when it is.

im so grateful to you for replying

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Hi there, are you able to offer to pay anything off the arrears each month in addition to your normal monthly payment?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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How much are the arrears? you have to be careful that if the interest rate goes up you may not be able to keep up the extra £500 per month.

 

We will have to write a statement for the hearing, and you will need to put in an income and expenditure statement (budget sheet). I have affixed the budget sheet we normally use for you to fill in. Remember the amount you are offering to pay towards the arrears each month should be the amount left over after everything else has been accounted for, including the normal monthly payment. Print one off to pactise on first so you get your figures right before completing the final copy.

 

I can then draft a statement for you for the hearing.

 

We can also write a letter to Capstone with your offer of payment so you can show the court that you have tried to come to an arrangement with them.

 

Ell-enn

Budget Sheet.xls

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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at the moment arrears are v high about 14 k i was to scared to pay thought wats the point gonna lose the house .but now i can start paying off the arrears about 5k before hearing.thats the point interest rate went sky high thats wen we started to fall behind.weve both taken on 2nd jobs now so for next 6 months at least 500 is within budget i think

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That's fine - we can put in your defence about the 2nd jobs, that should impress the judge a bit:).

 

Let me know when you've done the budget sheet and I'll draft you a letter to send to Capstone.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, as long as you can give a good reason for getting into arrears again and can show that you are able to afford to pay extra each month towards the arrears, you should be OK.

 

Try to get your printer working soon if you can, as you will need to print off the letter to Capstone and statement I send you for the hearing.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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how will i be able to show that i can afford payments now and couldnt before? am self employed as a dry cleaner ,things were a bit quiet for a few months and we had to repair some machinery things just spiralled out of control but now back on track business is better but how can i prove it.sorry if i sound thik.

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Do you have an accountant for your business ?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi

 

I work in IT (when I'm working) what printer is it and what's the problem I may be able to help?

 

Claire

what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

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just spoke to someone at capstone

after offering to make normal monthley instalment in march and pay 500 off arears and pay a further 2500 by 23 march they will hold off any action, i asked why i dont have any paperwork from the court yet and she didnt know why but i was told on the phone in december the date of the hearing.do you thik they have a court date or are they just trying to frighten me

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Ring the court in the morning and give them the date and Capstone's name and case number - see if they have a hearing listed for that date - if they have, then ring up again after you have made a payment and see if they have cancelled it.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

 

Which lead to the printer the power lead or the one from the printer to the computer?

 

If it's the power lead then the chances are it's a figure of 8 (if you pull it out it and look at the bit that plugs into the printer it looks like an 8 liteally hence the name) so there's 2 things you can do

1. change the fuse (obvious I know but most people don't bother)

2. you probably have something else in the house that uses the same lead (they are standard) you can temporarily borrow the lead from such as a small portable cd player or radio.

 

If it's a different shaped power lead then the above applies e.g. older printers use a kettle lead etc

 

If it's the one that goes from PC then it's just a standard USB 1 (the squarish end) to 2 (the flatter rectangle end) connector (unless it's a very old printer) which again are standard and you probably have more than 1 as they are supplied with all sorts of PC peripherals such as digital cameras and again are interchahgeable.

 

Hope this helps

 

Claire

what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

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ok will do thanks ill call in the morning and ask if they have a hearing for that date .let you know tommorrow. if they do have one do you think i can trust capstone to keep their end of the bargain . should i still get some kind of defence ready?

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We've got quite a bit of time before you would need to get a defence ready - a week before the hearing would be OK. Best to make the payments and then ring up again to find out if it's been cancelled.

 

In the meantime we could write a letter to Capstone confirming your conversation and the payment agreement, then they would have to reply in writing and you could use that in any defence you might need. I could draft a letter for you if you like? The trouble with making agreements on the phone is that there is no proof.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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