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    • 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.
    • 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?
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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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Bring it on LTSB! - **WON**


Lusky
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I returned my allocation questionaire 10 days ago, the date for return was today.

I just checked with the court and they have received the questionaire back from LTSB.

As a lot of of Lloyds customers seem to have received offers before this point I am just checking if this is normal and have they left it this late with anyone else before offering settlement?

Getting a little bit nervous now....any words of wisdom would be appreciated!

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Hi Lusky,

 

No need to get nervous!!! We're behind you all the way :)

 

From what I've read recently, whether you recieve an offer or not prior to the AQ seems to depend on which solicitors are dealing with you (Martineau Johnson or, erm, the others that Lloyds use), and whereabouts in their queue your case lies - IE: Whether they got round to sending you a settlement offer before the AQ deadline was too close for them to start negotiating.

 

It may - may also be the case that they're adopting another stare-us-down intimidation tactic over the court date, hoping that people will file the AQ and pull out before the court date is due, and before they need to offer a settlement.

 

More likely though, they could just have been testing your resolve to see whether you will settle the AQ and didn't get round to sending you an offer. I'll be in a similar position myself shortly - AQ is due to be returned by the 9th, planning to send it off/hand it in on the 1st of July. Might actually just wait till the 4th and rub it in a bit ;)

  • Confused 1

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Crikey Reload, that was a quick reply!!

Thanks for that.

I am with the Martineau Johnson lot - I expect you are right and they are snowed under. Mine is also quite a big claim and I am well over my o/d limit

( only because of charges ) so I don't expect them to back down until they have to.

I wll just try and be patient. Everything comes to those who wait ( I hope)!

 

Thanks for your support.

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Hi Geteven,

 

Still nothing else to report although I have noted from a few other threads that some have waited a month after returning the AQ before receiving a settlement offer.

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Nothing here either. I'm tempted to phone Martineau Johnson and give them a gentle nudge - something along the lines of "Hi, I've got my Allocation Questionnaire here in an envelope ready to file, but I've heard that you sometimes settle before the questionnaire is returned..."

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I returned my AQ last week, deadline is 7th July. Lloyds still haven't returned theirs yet so I eagerly anticipate the postman every day with a lovely letter from MJ! I was thinking about emailing MJ along the same lines as you reload, but to be honest I'm a bit too apprehensive to intervene at this point incase it affects my case in any way!

 

Taff x

LLoyds TSB: took over 2 months :rolleyes:

but they gave in :lol:

and I got my cash back

 

all £1040 of it!

 

Capital one and MBNA on my hitlist .... stand by for action!!!

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Just rang the court, was told that the case was passed to the District Judge on 26th June but they have a backlog. Looks like it could be a while before hearing date is set. Still nothing from Martineau Johnson.

I have read a few posts about hearing dates being stayed awaiting the outcome of a test case. Does anyone think this might be causing delays with settlement offers? My case is being handled in Basingstoke C C - anyone else claimed there? Trying my best to be patient but having a "what if.... " day!

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It seems to only be Glos (Gloucestershire?) CC which is staying cases in leiu of a test case. As Bankfodder has mentioned, people are well within their right to object to the stay too, as it could delay their case much, much longer than it needs to be.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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In summary, it seems as though a judge at Glos CC has taken it upon himself to put a stay on bank charge claims until a test case has been heard by the High Court. Whether or not this will affect all cases put through Glos CC, or when this test case may be we don't know.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I've just been thinking as I hope I am not far away from settlement now-I also have a LTSB credit card with some arrears and over limit. I have sent a DPA for this account ( going to start a different thread for it ) and am waiting for charges details. When I get my settlement for current account, could they automatically take anything I outstanding from the credit card when funds are paid into my current account? Do you think I could withdraw the money before this happens? Any thoughts please?

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Firstly good news, received settlement offer today for full amount with usual terms and conditions.

Also received the following judgement order from the court:

 

" Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order you must make an application to have it set aside, stayed or within 7 days of receiving it

 

It is ordered that

1) This case be stayed to enable the claimant to seek retros[ective leave to omit her residential addressfrom the claimform. Her address for service shown on page 2 of the claim form is not necessarily her residential address.

2) The claimant will also need to seek leave to amend her particulars of the claimto specifically plead the principle of common law upon which she relies giving authorities, if appropraite"

 

What on earth does that mean???

 

I have returned the settlement letter today with confidentaility clause crossed out. Do you think I will still get my money now without amending my claim?

If I need to amend it not sure what I need to do....?

 

Never heard of this before can some please advise me urgently ?

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Did you put your permanent address on the claim form? I do not understand why they are referring to your residential address.

 

It should not matter anyway now that you have been offered full settlement.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I put my home address on the claim ( have lived here 10 years !) and used the template from the forum for the claim particulars. No additional info on the AQ.

I am extremely worried now!!

I know I have the settlement letter but presumably they will receive a copy of this judgement order so might withdraw it?

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" Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order you must make an application to have it set aside, stayed or within 7 days of receiving it

 

It is ordered that

1) This case be stayed to enable the claimant to seek retrospective leave to omit her residential addressfrom the claimform. Her address for service shown on page 2 of the claim form is not necessarily her residential address.

2) The claimant will also need to seek leave to amend her particulars of the claimto specifically plead the principle of common law upon which she relies giving authorities, if appropraite"

 

Is this the full text? Are there any other points after these 2?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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My guess (and it is just a guess) would be that the bank have contacted the court and said they don't recognise the address, and that you need to expand on your Particulars of Claim.

 

My suggestion would be to contact the court directly and see if you could get any more clarification as to why you have been sent this and what the problem with your address is.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks I will contact the court tomorrow.

Do you think I need to amend the particulars of my cliam to include the following?

"In the Scottish case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498; the House of Lords held that a contractual party can only recover damages for actual or liquidated losses incurred from a breach of contract. This is also the position in English law: Wilson v Love [1896]; Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79; Ford Motor Co v Armstrong [1915]; Bridge v Campbell Discount Co. Ltd [1962]; Murray v Leisureplay [2004]."

Seems odd that I have used the template for my particulars the same as everyone else. I now feel completelely out of my depth with all this legal stuff.

 

Any other comments or advice would be gratelully received.

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Hey Lusky. No need to panic, you've got everything well and truely in hand as near as I can tell, especially if you used the template particulars of claim, and have the additional info to back it up. As mentioned by PM, it sounds to me as though there's been a bit of a blunder somewhere along the line - for a start Lloyds won't be able to raise an objection on your address, as it is your residential address after all!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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