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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Speedcredit closed down - NDR and Marshall Hoares websites both showing down :)


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im currenl experiencing difficulty with the 3 of these and one of the guys on her is helping me get a complaint in but now the NDR and Marshall hoares sites are down.

 

Could this be a sign they are going compltely under with speed credit?

 

good news i hope check it for yourself

 

http://www.marshallhoares.com/

 

http://www.northerndebtrecovery.com/

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Wouldnt get too excited just yet. Speedcredit havent shut YET! There website is still working.Plus they have 28 days to appeal the decision against them.

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Sites arent down as such. That message on the server means theres no directory listing available right now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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This is laughable, from NDR's website, sophisticated ineeed!

 

From initial communication through door visit and legal prosecution. Northern Debt Recovery's fast track systems allow the fastest possible visit and prosecution of debtors.

Sophisticated and responsive:

By fully embracing modern technology we are able to locate, assess and pursue debts to clients satisfaction. Our uniquely high recovery rates pay testament to this.

Fully compliant with regulation and with an in-house legal team to compliment our nationwide “ground force” of agents we are able to move quickly and cost effectively to recover your money. The blend is tailored to both the type of debt and client appetite to ensure full compliance and fast recovery.

 

 

 

By the way I am NOT back posting on threads other than to confirm this website business, it can bring the site into disrepute. The Marshall Hoares website is very very basic.

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Fully compliant with regulation and with an in-house legal team to compliment our Nationwide “ground force” of agents we are able to move quickly and cost effectively to recover your money. The blend is tailored to both the type of debt and client appetite to ensure full compliance and fast recovery.

 

Is it bad if i laughed a lot at this part?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope, I think it is supposed to sound impressive. As we both know they do not own the 'ground force', they 'outsource' it to Marshall Hoares who do not even seem to show up.

 

As far as fully compliant goes, what are they fully compliant with? Certainly NOT the OFT Guidelines in Debt Collecting (which IMHO should become Statute law, and have automatic cessation of licence (and all trading names associated with said licence) reovked upon proven breaching).

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yh they are both back up. i have just logged a full detailed complaint to stella creasy and the oft.

 

i advised the follwing issues

 

 

Things pointed out to the OFT.

1. Terms and conditions of the contract state a transmission fee of 4.90 is applied however they charged me 5. Breaking there own terms and tconditions.

2. On the contract they stating at day 98 (currently today) they state the amount owing is 268pounds with a charge of 350pounds applied totalling 618pounds however they are stating I owe 466pounds a clear misrepresentation of information.

3. Passed to NDR without any prior notification.

4. Email address does not work must use online form providing no proof of correspondence for the debtor.

5. The email stating they will return with bailiffs to seize goods.

6. Two emails in 7 days stating amount owed however the original debt amount changes (also the original debt amount was 100pounds)

Debt GBP 268

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

 

Repayments todate GBP 50

Total GBP 386

 

Then i received

Debt GBP 292

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

GBP 24

 

Repayments todate GBP 50

Total GBP 410

7. Antifraud email address suggesting there is fraud activity

8. I will no longer be contacting them as i can not get any paper trail here emails deny correspondence the website provides no proof and the phone line is useless

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Very true jamie. At least one of them are getting shut down. Lets hope the other 3 follow suit.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Speedcredit and their parent company has. They are in the final days of their appeal to get it reinstated.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yup. And there is a current investigation against all of the associated companies atm, but Speedcredit were caught out on some fraudulent transactions.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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