Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

Ruthbridge now (after Activ Kapital, Thames Credit, Mackenzie Hall, EquiDebt)


ashre
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4161 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

For the past four years I've been getting letters from these debt collection agencies and it's beginning to drive me a bit crazy.

 

They never say where the debt originated but I suspect it was from a Cable&Wireless phone line

in my name in my shared house in university (14 years ago!) that I forgot to get disconnected when I left.

 

I had a letter from C&W shortly after I left university asking me to contact them but I was leaving the country shortly after for a few years and so left thinking nothing of it.

 

It then started about four and a half years ago with a letter from Thames Credit.

I wrote to them asking what the debt was and they didn't respond so I found a thread on money saving expert

and wrote a Consumer Credit Act letter asking for the credit agreement,

 

they didn't respond in time so I sent them the standard follow up letter

 

 

("Therefore on 20 March 2008 this account became unenforceable at law")

and phoned Trading Standards who said there wasn't a lot they could do but they would make a note of it.

 

A year after that ActivKapital sent me a contact letter,

I sent them the first response and they sent back a letter saying they hadn't been able to verify my identity

and so would not continue action.

 

After that Mackenzie Hall sent me a letter asking for contact,

I sent them the first CCA letter and they stopped sending me letters.

 

Earlier this year EquiDebt sent me a letter.

 

I replied in the usual way and they sent my £1 postal order back with a letter saying

"Having receiver [sic] your request, we have undertaken a review of the tracing procedure

and are unable to verify that you are the correct individual that we are attempting to contact.

 

As suck we are not in a position to provide you with a copy of the original agreement relating to the account.

We have therefore removed your details from our records and will not contact you again in respect of this account.

 

We apologise for any inconvenience that has been caused, this certainly was not our intention."

 

Finally a month and a half ago I got a letter from Ruthbridge asking me to contact them.

 

I sent them the same letter asking for the credit agreement under the CCA and then today I received a letter:

 

"We take notes of the points you have raised in your correspondence,

however we must advise that we are not in a position to comply with your request at this stage as we are required to verify information

we have been provided with yourself [sic] for the purposes of data protection in compliance with the Data Protection Act 1998.

We would appreciate it if you would contact our offices so we can complete the necessary verification."

 

I could just sent the second letter again and I'm sure it would go away but it is driving me crazy that they all just keep selling/passing it on

without addressing the fact that there clearly is no credit agreement or the statue of limitations is long since up.

 

Does anyone have any suggestions?

 

Thanks & sorry it was so long, good to vent finally! :mad2:

Link to post
Share on other sites

yes

 

stop playing letter tennis

 

if your cra file is clear

 

then you are on a phishing list

 

the more you write

 

the more they think a mug awaits fleecing.

 

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... 

Link to post
Share on other sites

Welcome to CAG,So the debt is statute barred? 6 clear years no payment or acknowledgment of the debt in writting.

Once a debt gets to Ruthbridge one knows it's dead in the water.

 

So lets put an end to this nonsense.

 

Send the following letter by recorded delivery addressed to

 

The Compliance Manager

Ruthbridge Ltd.,

 

Ref:as on their letter.

 

Formal Notification, Limitations Act 1980.

Final Response.

 

Dear Sir or Madam,

 

I refer to your letter date xx xx xxxx regarding a deby for £xxxxx which you allege is owed by me, please take note I do not acknowledge any debt to Ruthbridge Ltd., or any company you may claim to represent.

 

As you are no doubt now aware this alleged debt has been ''passed'' around the dismal industry in which you operate and no company has provided any documentary proof that an enforceable account exists.

 

I now Formally notify Riuthbridge Ltd., that the alleged debt IS STATUTE BARRED, I will not therefore make any payment or offer of payment in regard to the alleged debt.

 

You will now close the file on this matter, remove all data relating to me from your record systems.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2011 and the section relating to the pursuit Statute Barred Debt.

 

Should Ruthbridge Ltd., consider passing this matter to another debt purchaser which at a later date contacts me regarding this alleged deb I WILL refer that company to you and report the conduct of your company to the relevant regulatory bodies.

 

You will confirm that you have complied with my imstruction in writting within 7 days of the date of this letter, any further contact from Ruthbridge Ltd., other than that set out above will be considered Harassment and appropriate action WILL be taken.

 

Get that of RD so they get Monday.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks DX and Brigadier, I just signed up to noodle and checked and have a fine credit report with no defaults, judgements or anything else. I think I'm going to go for the Brigadier's solution to try and put it to bed. What drives me crazy is none of them will confirm where the debt is from originally (they just say "from ActieKapital/EquiDebt" etc without telling me where it originated) but I think if I assert it is statue limited and it is not they'll at least tell me what date they think it's from.

Link to post
Share on other sites

I've written that letter more than 20 times this year on Ruthbridge accounts I'm not aware as yet of anyone having a negative result, BUT..........

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Just made it to the post office - sent recorded - will see what happens. Thanks.

 

:whoo:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 4 weeks later...

Had a reply from Ruthbridge (a few weeks after my deadline but still):

 

I write further to the receipt of your recent correspondence. I have now liaised with our client regarding the issues you have raised in your correspondence and they have requested that the above account be returned to them, in order for them to deal with the matters you have raised directly.

 

The account in question has now been closed on Ruthbridge's systems and returned to our client Aktiv Kapital. I can cofirm that you will receive no further communication from Ruthbridge Limited regarding this matter.

 

I have been advised by our client that they will be in contact with you shortly regarding the issues raised in your correspondence, alternatively you may wish tocontact them directly should you have any further queries with regards to this matter.

 

 

 

So at least there is a bit of progress, they're not passing it on, will wait to see what Aktiv do now, if anything.

Link to post
Share on other sites

Ensure you make complaints to the OFT&TS regarding their continued incompetence and failure to adhere to the OFT guidelines.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...