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    • 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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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. 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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. 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65yrs old pensioner on benefits - Nelson Guest\Court Papers/Lloyds OD - ***Claim Dismissed***


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A little bit of background,

 

my disabled mother got into a bit of bother and started to get penalty charges added to her account back in 2007 just before the test case,

 

she sent her SAR off to Lloyds and they responded by sending a list of charges and fees added since 2001,

as a result she put a claim in for around £3500 in just fees,

but Lloyds refused to look at it until the test case was decided.

 

She wrote again a couple of times pleading with them as the money was being taken from her disability benefit

and pension and she was being left with nothing to live on,

twice they promised to look into her hardship case, twice she never had a response.

 

Skip forward a few years,

after being passed around the DCA's it finally went to Nelson Guest and Partners

who have now issued a Northampton Court Claim,

 

this was issued on 5th Nov and today we acknowledged it online saying she intends to defend it as she feels that the charges

and fees they have taken from her in the past far out ways what they are claiming.

 

She doesn't remember ever receiving a default notice but as she is getting on a bit she might be wrong (her words, not mine),

we have most of the paperwork from when we SAR'd Lloyds a few years ago but just wondered where we go from here?

 

I believe we have to send a CPR 31.14 to Nelson Guest to try and find out what info they actually have, anyone have a link the CPR that i can copy and edit please?

 

Is there anything else we have to do?

 

Baring in mind my mother is 65yo on a pension and disabled she is panicking like mad as she thinks they are going to take her house and all her money etc, she is constantly being ripped off and it's about time something went her way for once!

 

I look forward to any responses

 

Thanks

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Has the account been defaulted by Lloyds?

How much of the claim is charges/fees?

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

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Also can you tell us how much of the claim refers to charges after 1st Nov 2009 and how much predates that?

 

Do you have copies of the letetrs which were written to them informing them that they were taking benefits?

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I would also like to know on what basis were the charges levied. In particular, were they levied for overlimit payments which were authorised or where they levied in respect of overlimit payments which were not authorised so that the cheques/DDs were bounced but a fee was still levied?

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Also can you tell us how much of the claim refers to charges after 1st Nov 2009 and how much predates that?

 

Do you have copies of the letetrs which were written to them informing them that they were taking benefits?

 

I am not sure how much is after Nov 2009 i think they stopped adding charges around 2009, she has not done a SAR since 2007, yes we do have the letters informing that the money was coming from benefits.

 

I have just found an enforcement notice dated 11th August 2008 and at that date the demand was for £853.37 so has gone up by around £300 since then.

 

I have just found a default notice for the account in question.

 

I believe that the majority of the charges stem from the bank keep authorising payments then charging overlimit fees which just spiralled, then they started to decline payments and charge again, i finally found out what was going on and got her a new acc at another bank and got her to write to the bank an cancel all her DD's and SO's, since changing banks she has NEVER been overdrawn

Edited by sytra
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OK. I think that it will be useful to know about the pre-1.11.2009 history.

It would be useful also to know the wording of the letters which were sent.

Also the reason for the charges.

Ir wasn't a basic account by any chance was it?

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A default should not be placed where the default sum is made up of charges without which the account would not have defaulted.

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:

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I don't have a scanner with me at the minute but the default is written like this:

 

Dear Mrs xxxx Date: 30th August 2008

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

 

DEFAULT NOTICE (served under section 87(1) of the Consumer Credit Act 1974)

 

Cheque Account No xxxxxxxxxxx

Cheque Account Balance £xxxxxx

Unplanned Overdrawn Amount £xxxxxx

 

Which part of the agreement have i broken? - The terms of the Overdraft Agreement include the right of the bank at any time to request immediate repayment on demand

 

How have i broken the Agreement? - You have breached the agreement by failing to pay the overdrawn amount in accordance with the Enforcement Notice issued under Section 76(1) of the consumer credit Act 974

 

What do i need to do to correct this? - You must pay us £xxx.xx by 17th September 2008 plus interest which is accruing daily, directly to your Lloyds TSB Branch. The due amount is based on the account balance today, receipt of any further debits or credit or a variation in the interest rate will result in amendment to the amount payable.

 

IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN, NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH. IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

 

What will we do if you do not correct your breach? - We will refer your account to our solicitors to commence legal proceedings against you to enforce the security which we hold under the Overdraft Agreement. This will involve you in additional costs which we will add to what you owe us.

 

We will also register information about your failure to pay with these credit reference agancies: Experian Ltd, Equifax Europe Ltd, Callcredit Plc. They will keep this information on their records for six years. This information is often used in the finance industry to asses how well you manage you finances. It may also affect family members or associates if they have a relevant financial association with you. If you later settle your debt this will be recorded, but the record of the original default will not be removed.

 

You may be able to avoid this if you phone us now with an offer to repay what you owe.

 

IF YOU HAVE DIFFICULTY IN PAYING THE SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU OR ANY SURETY MORE TIME.

 

IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE, FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS ADVICE BUREAU.

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OK. I think that it will be useful to know about the pre-1.11.2009 history.

It would be useful also to know the wording of the letters which were sent.

Also the reason for the charges.

I will try and find the information tomorrow as my mother has all the paperwork, but the letter informing them of the benefits etc was taken from this site

 

 

Ir wasn't a basic account by any chance was it?

No it was a gold account

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moved to legal forum

 

thread title slightly changed at tweeted to lloyds.

 

i think appropriation of benefits to bank charges might play a part here 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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  • 2 weeks later...

Sorry for the delays but in the middle of moving at the same time, have scanned a copy of the letter that was sent to Lloyds re the charges

001edited.jpg

001aedited.jpg

 

 

 

All the charges seem to stem from Lloyds paying out DD's even though my mother was either very close or over the OD limit, they then added fees and charges to the account which took her over the limit for the next month, when the cycle started again, she had more coming out every month than was going in and every penny in was from benefits of one type or another

Edited by sytra
deleted images, still see info
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We need to see the claim form as well please.

 

I suggest that you put it up quite quickly because this is not something you should delay on - moving or no moving.

Ta

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I'm sure that it is hard - but I'm afraid that when you are dealing with an organisation like a bank, they aren't interested. That's why they took your benefits.

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Sytra if this proves problematic perhaps type out the Particulars of Claim (verbatim less any identifiable data) rather than scan the N1 in.Speed is of the essence though.

 

Regards

 

Andy

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Is that correct that they have made efforts to agree repayment?

Can you tell us a bit about that please.

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You have left the account number showing sytra.

 

Andy

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So what you want to say is that you don't owe them any money at all and in fact they owe you money because their claim refers to charges which they have applied to the account in breach of the AJA 1992 - and on top of that there is the matter of additional charges - about £3,500 which they have actually taken from the account also in breach of the AJA 1992.

Is that correct?

 

Are you able to tell us what they mean by their efforts to agree payment?

 

Also, although it is unlikely, this matter could end up in court. Unless you instruct a solicitor - which wouldn't normally be necessary - your mother will have at least to be present in court and she will need help to present her case.

This is nothing to worry about and the judges are normally very helpful to people who are representing themselves - especially when they appear vulnerable - but do you think that your mother can do this? Are you able to be in court with her and take control of the case?

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So what you want to say is that you don't owe them any money at all and in fact they owe you money because their claim refers to charges which they have applied to the account in breach of the AJA 1992 - and on top of that there is the matter of additional charges - about £3,500 which they have actually taken from the account also in breach of the AJA 1992.

Is that correct?

 

Yes this is correct, she just feels that she has been unfairly treated by the bank, on 2 occassions they promised to look into the hardship, on both occassions they never responded until a DC letter turned up a few months later.

 

Are you able to tell us what they mean by their efforts to agree payment?

All she has had is the odd letter from various DC'c offering a time limited discount or a few letters telling her to contact them (the DC's that is), all basically saying that they see no reason why payment cant be made

 

Also, although it is unlikely, this matter could end up in court. Unless you instruct a solicitor - which wouldn't normally be necessary - your mother will have at least to be present in court and she will need help to present her case.

This is nothing to worry about and the judges are normally very helpful to people who are representing themselves - especially when they appear vulnerable - but do you think that your mother can do this? Are you able to be in court with her and take control of the case?

 

I have already told her i would be there, although not sure how much help i would be

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Is it still showing? i cant see it my end

 

 

Yes I will remove it for now until you can amend and repost.

 

 

Andy

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Have you retained all the paperwork from your Mothers (intended) claim (£3500)? Have you entered this on a spread sheet and is there interest accumulating? (Compound )?

 

 

Regards

 

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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