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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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      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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Arrow Global claim form received - **CLAIM STRUCK OUT - WITH COSTS**


angryape
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Hi folks, days after the court confirming that a recent claim by AG has been struck out as they could not produce documents, I receive a claim from AG via Shoosmiths for an overdraft.

 

POC reads....

 

1 Claimants claim is for the sum of ......... being monies due from the defendant in an overdraft whilst operating a bank account (sort code/account no) with HSBC bank p assigned to the claimant on 05/11/2010 and no of assignment provided to the defendant, pursuant to the law of property act 1925

 

2 Payment of the above some has been requested but at the date here of refused.

 

3 the claimant claims the sum of .....

 

4 C has complied as far is necessary with the pre action conduct practice direction Number.

 

 

Their last claim was for a huge amount of money and they could not produce and agreement, notice of assignment etc, I am also pretty sure that any debt relating to this would have been pre September 2005 as I was out of the country for a year from that date onwards so would not have been corresponding with anyone. I believe this may make it statute barred.

 

I assume that I should respond to the claim online, and send a CPR 31 request to them to confirm that they actually have the paperwork mentioned in the POC and to see if this is stature barred? Any advice would be greatly appreciated - you guys were amazing last time!

 

AngryApe

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Hi AngryApe,

Yep, acknowledge and request a copy of:

The terms, conditions and statement of account of the overdraft

A copy of the Notice of Assignment

 

I would also send a part 18 request for the following information:

1. What was the date of last payment into this account?

2. What was the type and source of this payment?

3. Was a default notice issued, if so on what date, for what amount and what was the date for remedy?

4. Was the issuance of a default notice recorded in the communications log?

5. What total amount of charges has been added to the amount claimed?

 

This has to be sent in standard format as a seperate letter to the claimants named solicitors. (See attached compilation of legal posts...a part 18 template is included)

 

Additionally I would send a SAR to the original co immediately.

 

That should keep you busy for a bit! :wink:

 

kind regards,

Elsa x

pt-legal issues-compilation.pdf

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  • 2 weeks later...

Thank you very much Elsa - I have done all that you suggested, and sent them all by recorded delivery. I shall let you know if they get back to me or if I have to send them a reminder.

 

Many thanks,

 

Angryape.

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Hi, I have also received one of these claims and will be following the same path.

I was wondering if this is the normal route for these claimants to take with what appear to be statute barred overdrafts? Can someone tell me the relevant part(s) of the Law of Property Act 1925 I need to read up on?

 

edit; from the info I've searched here it would appear they would be referring to s136 of LoP Act 1925 which refers to the assignment only.

Edited by SP500
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AngryApe, prior to the court claim landing on your doormat, did Shoosmiths make you an offer to repay half of the alleged debt?

They did so for me - which I simply took as their admission that the alleged debt was either statute-barred or they didn't have sufficient paperwork to pursue in court :lol:

Good luck

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Do you know when the overdraft was called in? That is when the 6 years clock may start ticking with an overdraft unless there was a particular clause within the overdraft terms & conditions which triggers a default on a partiular circumstance - e.g. for some accounts if a salary stops being paid in it can trigger a default. In short, challenging limitation issues for overdrafts can be a little more tricky than loans and overdrafts.

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Hi guys, just read the most recent post - I am unsure when the overdraft was called in but I believe the salary would have stopped being paid in during summer 2005. I have sent the SAR request, and a CPR request to shoosmiths followed by an CPR urgent reminder a week later (both recorded delivery) and have not even had a letter confirming receipt of my request. As its coming up to a week from the urgent reminder, do you think I should go to the court for an N244 request to produce the documents else strike out?

 

Thank you in anticipation....

 

AngryApe

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Hi guys, just read the most recent post - I am unsure when the overdraft was called in but I believe the salary would have stopped being paid in during summer 2005. I have sent the SAR request, and a CPR request to shoosmiths followed by an CPR urgent reminder a week later (both recorded delivery) and have not even had a letter confirming receipt of my request. As its coming up to a week from the urgent reminder, do you think I should go to the court for an N244 request to produce the documents else strike out?

 

Thank you in anticipation....

 

AngryApe

 

Whilst not being experienced in the legalities, after a lot of reading here, I'm of the same mind with mine AA, prepare a "put up or shut up" N244 application to be the best course of action since without documents we're unable to defend properly.

Hopefully, someone experienced in these matters will be able to confirm?

 

There already appears to be several areas of defence, namely; whether debt is statute-barred, amount of charges + compound interest leading to a possible counter-claim, and the assignment.

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Thanks SP500. I have just been through the same procedure with AG but with different solicitors for a loan related to the same account - they at least had the courtesy to acknowledge my letters and then once the N244 was sent, they sent me and the court a letter saying that as their client could not access the documents they would like the court to strike out. I am hoping that in this case, there are actually no documents either, the fact they are ignoring my letters is raising my suspicions that they are just hoping to get judgement by default.

 

Ill get the forms for the N244 asap - thanks again SP500

 

AngryApe

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  • 2 weeks later...

Hello again folks. Just an update - I received a letter from the court after filing my N244 saying they will move the matter to my local court. Until today I had not even received acknowledgement of my CPR request or CPR urgent reminder that I sent the plaintiff. Today I have received a "notice of change of solicitor" the covering letter says that the matter is now going to be dealt with by Arrow Globals specialist litigation team and to ensure any future correspondence is addressed correctly. The court doc says that they will be acting in person.

 

I imagine this is all just a waste of time as they dont seem to have the docs and from my experience, the court will give them a time limit to show what I have requested in my CPR or will strike out - but does anyone have any experience with this happening before - are there any new tricks they will try through this method?

 

Many thanks as always!

 

AngryApe

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  • 2 weeks later...

Hello again folks! I received my SAR back brom HSBC today - it appears the last time money was paid into my account by my previous employer was the end of August 2005. However, there were some credits after this in Oct but they appear to be HSBC reversing direct debits and transferring money between my accounts themselves. I assume these movements do not count against the statute barred rule? Could anyone please advise on this, and what my next move should be? I assume I should write to the court and Arrow Global to inform them the debt is statute barred?

 

Many thanks

 

AngryApe

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Hi Angryape,

To be certain, you need to check the communications log in your SAR. Does it note if/when a Default Notice was issued? Anything showing the first demand for full payment?

Did they send a copy of the T&C's? If so check these too for what it says about default/termination process....

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Hi Elsa, thank you for your reply - I have just been through the SAR again - couldnt find a default notice or any terms & conditions. It appears that after my last payment (employer wages) in Aug 2005, the only activity going into my account was when direct debits were taken back by the bank and when the bank closed a related savings account, it transferred the funds (pennies) into the current account. Do you think I should just wait for my N244 to come through and see if this time they actually have any documents? They still haven't even acknowledged my CPR31.14 request which suggests to me that they dont have any documents and once the N244 will ask to drop the case as they did with my previous one.

 

Should I sit tight or send Arrow a letter saying its statute barred?

 

Many thanks

 

AngryApe

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  • 2 weeks later...

Hello again - sorry for the delay in getting back but I thought it was better to wait until I actually had some details from the court. My application for an order to produce documents or strike out has been given a hearing date end of next month. I am pretty sure that it is statute barred and wonder, should I send the statute barred letter to the claimant now, or send it to the court, or show my SAR evidence at the hearing, or none of the above? I have a feeling that they probably wouldnt turn up seeing as they havent responded to me CPR requests at all. They will be receiving a letter notifying them of the hearing today.

 

Many thanks,

 

AngryApe

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  • 3 weeks later...

Hi Folks - wondering if I could get any advice on how to prepare for court in late January. From looking at other threads, I assume I will need a skeleton argument to pass to the judge ahead of the hearing, does this have to fit a certain format of could it just be a description of my side of things.

 

If that is the case, would I just list that...

 

I received the claim form on x date, requested docs under cpr31.14 by recorded delivery and received no response,

 

Sent an urgent reminder by recorded delivery and received no response,

 

Is this enough to get my order? ALSO - and Im unsure whether I should have brought this up first.... I received my SAR info back and the debt was not acknowledged for just over 6 years, making it statute barred. Any advice would be greatly appreciated as I dont want to mess this up.

 

 

Thanks in anticipation,

AngryApe

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  • 1 month later...

Just had my day in court - plaintiff instructed someone to attend at last minute. He met me before the case and advised that it would not get struck out as it takes 6-8weeks to get the information i requested, from the client. But he admitted he didnt even have the particulars of claim and the client was not answering his calls.

 

The judge was really nice, said he had read my letters and pointed out that there were various errors on the particulars of claim. Asked why the plaintiff had ignored my letters and rudely not responded once. The representative said that it took a long time to get the docs, the judge pointed out that they had more than 3 months already, that he found it impossible to feel sympathy for the plaintiff and then asked me if I would like costs as he was striking it out.

 

I got the cost of my order and postage etc. Thanks so much to the CAG users who helped me on this. It wasnt a scary experience at all, its just a small room with the three of us present. I didnt feel bullied for not having legal representation or anything like that.

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Well done Angry delighted for you.

 

Regards

 

Andy

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Well done - Have amended title to reflect success :)

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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

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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.

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Many thanks CB

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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