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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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      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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TBI Claimform - Old HFC Loan


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thanks

 

so letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

would apply to david jones solicitors? bottom of the letter from them reads - david jones solicitors is the legal division of TBI financial services ltd.

 

thanks

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Yes send them that, and edit where it says, new dca, with the name of the fake solicitors and TBI financial services.

 

Ensure you lodge a formal complaint with the OFT&TS also.

 

Send it 2nd class but obtain @Proof of posting@

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!

 

 

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i sent the 2 letters. and this is their reply

 

we refer to your letters

 

as far as our client company are concerned this matter is not in dispute, as your request for a copy of the agreement in accordance with section 77 of the consumer credit act 1974 has been complied with on the XX/XX/2010 and again on the XX/XX/2012.

 

further to our letter dated dec 2012 the next correspondence you will receive regarding the outstanding debt will e from the court.

 

 

???

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Wait to see if a court claim arrives.

 

Do you know when the last payment was made for this debt ?

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jan 2007

 

So by the time they get around (if they bother) to issuing a court claim, it will probably be statued barred.

 

Keep your fingers crossed.

We could do with some help from you.

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  • 4 weeks later...

just had a letter with N9,N9A and N9B from Ascot Lawyers

 

the claim is served and i have until early FEB to file a defense. if i need additional time to file and serve a defense i need to complete, file with the court and serve ascot lawyers the acknowledgement of service and include the papers attached to the letter.

 

they are claiming i last paid towards this in jan 2009 - how can i prove this? i had some paypoint card of which i had to go into a shop and make payment.? i have lost the stubs.

 

i have 14 days to prepare now!!! :(

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The onus of proof is for them to prove you paid not for you to prove you haven't.

 

If you have your paypoint card and the date of alleged payment you could try this:

 

I have lost my PayPoint receipt. Can you find my payment? We may be able to help, but you need to provide us with some information. Please send an email to [email protected] with all the following details:

 

  • when the payment was made
  • the amount paid
  • the name and address of the PayPoint outlet where you made the payment
  • what payment you were making

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i will hunt the card too then, not sure if i have it still either

 

would this apply since the agreement has no dates or signatures?

 

In McGinn v Grangewood Securities 2002 the Judge has this to say

It follows that in a case where there is no document signed by the debtor which contains all the prescribed terms of the agreement the court has no power to make an enforcement order

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does the recon agreement they sent you contain the correct address that you were living at , on the date of the agreement?

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ok i will take photo of "agreement"

 

there is no date present on agreement but

 

next post will have the agreement

 

here is the scans

 

i have the N1 claim form here for TBI - they have the incorrect address on it, from 2 addresses back

 

does this matter?

 

hi

 

the N1 claim form has incorrect address - can they seek to enter judgement against me on the basis of service at an incorrect address?

 

time is ticking....

 

if i want to extend to 28 days instead of 14 what do i have to do? I have never had to do this before and its puzzling me

 

thanks

 

can anyone help?

 

Also the court is a good trip away from here. would i have to attend or just send a defence?

 

many thanks

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You can have them move this to your local court.

 

I'm not very good at the legal side of things, but this will put you back to the top of the pile, if you need urgent advice then click on the black triangle and ask the site team for advice.

 

Sorry I can't be of further help...

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!

 

 

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thanks

 

well i am writing to extend to 28 days tonight

 

in the meantime i am in discussions with trading standards.

 

I am also going to write to OC, as i have never been served a NOA.

 

the only thing that resembles something of that I have attached as a PDF here. please could you look at it and tell me if this is acceptable as a NOA please.

 

What exactly is a CPR 38? is that to demand more info before court? I would send this type of stuff to the lawyers?

 

what is a CPR 18?

 

how would these help and how would the format of the letter need to be?

 

thanks

 

I read it might be worth CCA-ing the OC? as this will show the courts I am trying to get the correct information? Besides this acc is very old and pre dates the carey vs hbsc case so im guessing a recon is just not good enough. (my original CCA to the DCA pre dates this too)

 

all help welcome

 

thanks :)

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OK, to add to my comments, the wrong address on the claim could be useful, the recon should contain, name and address od the debtor at the inception of the agreement, diito for the creditor.

 

The terms & Conditions at the inception of the account all changes during the life of the agreement and those at the closeof the account,

anything less is not compliant.

Written sections must be brought to nthe attention of the judge.

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thanks brig - so it should have the branch address if i signed in in branch and not just their head office?

 

 

I need to request payment history from TBi - i guess i should CPR31.14 them asking for this info? is this the correct method?

 

I have SAR summary from OC too and it shows no details of NOA - I have not had a NOA as far as i can tell except what i put in the PDF in my earlier thread- is this one? or not - thanks

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thanks Brig - i thought it had to be from OC - would this appear absolute or equitable? cheers

 

some more questions - jan 2009 i CCA'd dca - failed it 8 months later with a hand written recon.

 

agreement from 2005 so a TRUE copy of a signed agreement is needed to get to court?

 

is this statement true below?

 

Why could my pre 7th April 2007 credit card and personal loan debt be unenforceable?

 

When you entered into the arrangement to acquire your credit card you should have signed a formal loan agreement with the credit card company (or lender). The lender is obliged by law to provide you with certain agreement information if you request it. If they cannot provide the agreement, they are legally unable to recover the debt. If the agreement has been improperly executed they also cannot recover the debt.

 

What laws cover the question of unenforceability?

 

The law on personal loans and credit card debts being unenforceable is covered in the Consumer Credit Act 1974 and its associated Regulations of 1983. Although a new Act was introduced in 2006, which changed the law on enforceability of agreements, it does not apply to agreements entered into before 7th April 2007 (when the 2006 Act came into force).

 

 

 

When i first was contacted by these people - i knew nothing and panicked into paying. I want full disclosure for my defense - do i CPR31.14 the lawyer? or ask DCA?

 

thanks

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What laws cover the question of unenforceability?

 

"The law on personal loans and credit card debts being unenforceable is covered in the Consumer Credit Act 1974 and its associated Regulations of 1983. Although a new Act was introduced in 2006, which changed the law on enforceability of agreements, it does not apply to agreements entered into before 7th April 2007 (when the 2006 Act came into force)."

 

So as yours is pre April 2007 then the above iis irrelevant and a recon will not suffice...it must be the original.

 

 

 

When i first was contacted by these people - i knew nothing and panicked into paying. I want full disclosure for my defense - do i CPR31.14 the lawyer? or ask DCA? The Solicitor named on the summons

 

thanks

 

Regards

 

Andy

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What laws cover the question of unenforceability?

 

"The law on personal loans and credit card debts being unenforceable is covered in the Consumer Credit Act 1974 and its associated Regulations of 1983. Although a new Act was introduced in 2006, which changed the law on enforceability of agreements, it does not apply to agreements entered into before 7th April 2007 (when the 2006 Act came into force)."

 

So as yours is pre April 2007 then the above iis irrelevant and a recon will not suffice...it must be the original.

 

 

 

should i be telling the lawyers this? and demanding a TRUE signed agreement? or should i just wait and file my defense with a crappy recon?

 

thanks

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