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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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Blackhorse, reclaiming charges on loan.


jungle vip
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Just sent a SAR to blackhorse and received all my data back, this is for a joint personal loan my wife took out four years ago, There are a fair amount of charges been applied to the account, or " collection activity fee" as they word it, What's the next step now as i also want to claim ppi back of them as well ?

 

Do i need to send a cca request before i send the account in dispute letter, or do i work out my charges and also start the ball rolling with the ppi reclaim as well, look forward to reading your replies, many thanks.

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two sep claims

 

i'd also do the FOS customer complaint form for the PPI

 

have a read here:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

plenty of BH threads around on both too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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knock up two SOC's [spreadsheets [see IMS21 sig links]

 

fill out an customer questionaire from the FOS site for the PPI

 

and just make a letter to go with your SOC for charges

 

there are plenty of others around in other charges reclaim threads

 

just MAKE SURE you do the calcs correctly

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have completed the spreadsheet for charges and also the fos questionnaire for the ppi, is there a standard letter i should send with my charges spreadsheet ?

 

Also, can't find how much the ppi is, it is not listed on any statements, should i just send them the questionnaire for starters ?

 

Should i be putting the account in dispute to stop any further interest while this is going on, i can see it taking a while to sort out.

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Have a read of the Single premium article that is linked in my signature, I believe the Q & A section will also advise how to work out the PPI premium - if not, then send a private message to ims21 who will be pleased to talk you through the procedure, I'm sure :)

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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just remembver thAT a ppi or charges reclaim does not put the A/C into dispute

in terms of freezing anything.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Ok, list of charges on a spreadsheet and letter asking for them back please, sent, The fos ppi questionnaire filled out and sent, Got a confirmation letter that they received the ppi questionnaire and are looking into it but nothing about the charges yet. Whats next step ? Only one problem, the letter wasnt sent recorded delivery, just first class, send it again recorded or sit tight for a week or so ?

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IMHO it will not matter

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok, its been over 14 days since i sent the letter asking for the charges back, Have had no reply from them, even to say that they have received it , so will now send them the LBA with another copy of the spreadsheet.

 

In the meantime they have passed it to dlc, debt collectors threatning ccj. do i need to send them a letter ?

 

I emailed them this last week when i recieved a letter saying it had been passed to them:-

 

" I am requesting the repayment of unlawful charges and mis-sold ppi on this account, until it is paid in full i will be dealing with blackhorse only and not yourselves ".

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Did you send the letter via a tracked method? If so, you can check online to see if it has been received.

 

Just send DLC a letter saying the account is in dispute and until such times as it has been resolved, you will not enter into any further discussions with them.

 

I would then send your LBA to Blackhorse. Do send it via a tracked method in order to obtain a signature :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Ok, its 14 days tomorrow since i sent the LBA, nothing at all from blackhorse as yet, nothing referring to the ppi questionnaire i sent ether. What is the next step ? is it worth a phone call to jeer them up a bit or is court bundle time, Ill give them to the end of the week in case of postal delays.

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Hi Jungle VIP,

 

I'm following your thread. BH not responding doesn't surprise me in the slightest. They haven't even acknowledged or responded to my SAR :tsk:

 

I'm sure one of the wiser Caggers will be along shortly to advise but I would think that as far as the charges are concerned the next step is court and once they get your claim then they will realise you are serious. If I'm wrong in that assumption, I am happy to be corrected as I'm still learning!

 

With the ppi element, that I can offer no advice as I am totes green on that score.

 

As I said someone more knowledgeable will be along shortly to point you in the right direction. :thumb:

 

Best,

 

Coffee:angel:

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So they havent even acknowledge your claims ?

 

If you gave them a time within which to comply with your requests, and they have now gone over that time, I guess you start collating all your evidence in order to issue a N1 through your local court :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, received a letter from blackhorse saying they cant find any grounds that the ppi was mis sold, I spoke to FOS and they say send them a letter stating why i think it was mis sold as they still have 2 weeks to sort it. Also i never sent a spreadsheet stating how much i think they owe me, It was not mentioned on the FOS questionnaire.

 

Anyway, the main thing now is I cant find what steps to take for the N1 for the separate charges reclaim, Is a N1 a court document ?

 

Also, is there a step by step guide for this type of claim ? as i just rely on asking questions and the goodwill of caggers pointing me in the right direction.

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Hi

 

Responding to your PM.

 

For the charges claim, if they haven't responded to your lba then the next step is to issue in court. This is done via form N1 which you can download on-line. You will also need to prepare a POC (Particulars of Claim) and you will find some useful pointers for these in the bank forums. The Barclaycard forum would be a good source (even though yours is a loan and not a card). I would recommend spending some time on your POC because a well prepared POC goes a long way. You will also need an updated spreadsheet to accompany the court docs when you issue.

 

With regard to the PPI claim, is their 16 weeks up yet?

 

ims

 

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16 week limit is up in 2 weeks, i sent them a letter today replying to their rejection letter saying that the PPi was mis sold and i will forward the claim to the FOS in two weeks if it has not been repaid.

 

as far as the charges reclaim, do you recommend going straight in with the N1 or a phone call to see if the LBA has been overlooked like my SAR.

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Hi

 

If they've overlooked an lba then I see no reason to pussy foot with them. If you ignored one of theirs, they would be straight in.

 

If it were me I'd carry on to my own timescales...they have had a prelim...they have had an lba...they have chosen not to respond.

 

With the PPI it wont hurt to wait another couple of weeks so that you can be seen to have given them the full 16 but immediately after that deadline, escalate the claim.

 

ims

 

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Ok, just trying to find a suitable POC template, The credit card ones need a lot of work to make them fit, plus my inexperience , i dont want to put something in it that's wrong or irrelevant, Is there a link to a loan company poc anywhere, cant seem to find one. P.S , If it is a joint account is it both names on the poc as claimant ?

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