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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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Housing Association trying to evict me for rent arrears


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Not sure if this is the correct forum, if not I hope it will be moved to thecorrect forum.

 

I received court papers last Monday stating that the Housing Associationwhom I rent from, wish to evict me and my child from our flat due to rentarrears of £6,000 + and that I must attend court on 18 January 2013.

 

I desperately need help in finding out if I can successfully defend thiscourt action against me.

 

Basically I was on work related illness for almost nine months, during whichtime my employer essentially stopped paying me my salary until October 2012when the dispute was finally resolved and I was able to return to work.

 

My rent is £878 pm & I earn £1,400. I received no pay for about 7 months& ie could not pay my rent. I did however make at least token payments of£200 where I could. When I tried to explain this to the HA about four monthsago, they told m to go claim HB or leave. I did not want to start filling inendless HB intrusive forms only to find that I would probably be returning towork, so just got some financial help from family members, to assist in buyingfood for my child & I. When I received the court papers last wk, I againrang the HA & told them that I am now back at work, can I pay full rent +about £50 extra to reduce rent arrears, they said they want at least £3,000before they would even consider an arrears repayment arrangement. I barely have £100 once my rent and all billare paid each month. I do not have £3,000. So the court case will proceed. Mychild have nowhere to go if we are evicted.

 

Can I defend the case.

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Hi

 

From what you have written I assume you did not have a payment plan in place with the housing association.

 

Have you recieved any correspondence from them before the court letter about contacting them to sort out the arrears.

 

Have you actually been offered a payment plan?

 

Does your housing association by any chance have a welfare rights officer?

 

You really need to either speak to CAB or better Shelter.

 

Which housing association? to see what I can dig up for you but you dont need to name if you dont wish too.

 

Remember rent is a priority debt to pay and if at the moment you can show willingness to pay the rent as you have pointed out to them by offering the rent+extra to pay arrears, put the offer in writing (always get proof of posting and keep a good paper trail). you showing williness to pay helps in court especially if they are refusing your offer at least you have shown you want to pay.

Edited by stu007

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Definitely get in touch with Shelter at this point, as they may be able to assist you with court, or even have someone available to represent you.

 

Why did you receive no pay for seven months?

 

EDIT: Sorry, I somehow completely missed the paragraph about being on sickness for nine months.

 

You say you returned to work in October...did you contact the HA to tell them at the time, or did you wait until you received the court papers? Have you been paying full rent since then?

Edited by LaughingGirl
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I have moved your thread to the correct forum, although it does look as though you have been given some sound advice already :)

 

Yes, I would be inclined to contact Shelter - they are not just for homeless queries, but have a dedicated department for your type of situation.

 

http://england.shelter.org.uk/get_advice

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Not sure if this is the correct forum, if not I hope it will be moved to thecorrect forum.

 

I received court papers last Monday stating that the Housing Associationwhom I rent from, wish to evict me and my child from our flat due to rentarrears of £6,000 + and that I must attend court on 18 January 2013.

 

I desperately need help in finding out if I can successfully defend thiscourt action against me.

 

Basically I was on work related illness for almost nine months, during whichtime my employer essentially stopped paying me my salary until October 2012when the dispute was finally resolved and I was able to return to work.

 

My rent is £878 pm & I earn £1,400. I received no pay for about 7 months& ie could not pay my rent. I did however make at least token payments of£200 where I could. When I tried to explain this to the HA about four monthsago, they told m to go claim HB or leave. I did not want to start filling in endless HB intrusive forms only to find that I would probably be returning to work, so just got some financial help from family members, to assist in buyingfood for my child & I. When I received the court papers last wk, I againrang the HA & told them that I am now back at work, can I pay full rent +about £50 extra to reduce rent arrears, they said they want at least £3,000before they would even consider an arrears repayment arrangement. I barely have £100 once my rent and all billare paid each month. I do not have £3,000. So the court case will proceed. Mychild have nowhere to go if we are evicted.

 

Can I defend the case.

 

 

 

Definitely get in touch with Shelter at this point, as they may be able to assist you with court, or even have someone available to represent you.

 

Why did you receive no pay for seven months?

 

EDIT: Sorry, I somehow completely missed the paragraph about being on sickness for nine months.

 

You say you returned to work in October...did you contact the HA to tell them at the time, or did you wait until you received the court papers? Have you been paying full rent since then?

 

I was wondering that too

---------------

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?250609-Mortgagesplc-harassing-me-amp-want-to-repossess-my-house&p=2811463&viewfull=1#post2811463

 

 

00765

 

May I ask do you have any saving at all or own any property at all !

 

 

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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To answer your question 'can I defend this?', you'll need to state under which grounds the HA are claiming possession.

 

You will have been served notice before court proceedings were started - what does the notice state? Is it a s8, and if yes, under what grounds are they claiming - does it make reference to grounds 8,10 and 11? If not, are they claiming under ground 1 of Schedule 2 (unlikely but just checking)? The difference is material.

 

If you do not have the notice, then look at the court paperwork - check the particulars of claim and look in section 4 - does it make reference to the grounds claimed?

 

In addition, your rent sounds extremely high for social housing - and I am wondering if in fact you have been housed by the HA but via a private rental on an assured shorthold tenancy. Kindly clarify.

Edited by Lea_HTH
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I thought the rent sounded high unless it's what's known as Intermediate Rent which is set at 80% of normal market value. What sort of property is it and what part of the country?

 

To be honest it's unusual for arrears to be allowed to get so high.

Edited by caro
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Yes the HA had an estate agent find tenants for them about three yrs ago. Yes I'm on an assured shorthold tenancy which if you can afford it you could purchase from this yr

 

Because my rent is almost £900 the arrears built up very quickly

 

No property just huge debts left right & centre

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I believe this is probably intermediate rent which explains why it's so high.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I received court papers which do not mention grounds 8, 10, or 11. I received an N5 form N119, N11R an N7A & EX370 & EX104.

 

The letter from the HA states that they are seeking one or more of the following for rent arrears

1. suspended posession order,

2. Outright order of possession,

3. a money order,

4. an adjournment,

5. an adjournment with liberty to restore proceedings,

6. Court costs.

 

The letter also asked me to contact the HA ( which I did last week and have done so three times previously) but they refused my explanation and offer of repayment.

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We will get there a lot quicker if you just answer the questions: I am repeating them below - if you want accurate assistance, answer them and do not give any further information at this stage as it needs to be established what the baseline for the claim is.

 

1. What notice was served on you? The notice itself will state the law relied on.

2. What do the particulars of claim state under section 4c - or anywhere amongst the particulars...it might be a witness statement instead? It will state what law the claim is being made under.

3. When did your AST start; what does your tenancy agreement state is the start date and the end date of the agreement?

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Hi

 

I have to agree with Lea_HTH we will get their a lot quicker if you answer the questions asked - we need to establish the facts to be able to give you the best advice to help you.

 

Could you please answer what I asked in post#2

 

Also could you confirm exactly whether the property is private rented via HA and not Shared ownership via HA?

 

Some things you may need to request in writing from HA:

 

1. Arrears Policy and Procedure.

2. Customer Service Standards.

3. Rent Account Statement.

 

their may be others but without the facts will be hard at the moment to advise further

Edited by stu007

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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What is in post 2 is irrelevant until it is established what type of tenancy it is, what length, and whether or not the HA are claiming under mandatory or discretionary grounds.

 

And of course, no offence is intended with the above - it's just that OP needs to focus on the facts in order that accurate advice can be given. Original question was 'can I defend this?' - the answer of which if, subject to mandatory grounds, will be 'no'...if not, it'll depend.

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yes the HA contacted me before the court papers arrived & i contacted them but they refussed my offer for repayment

 

No I have not been offerred a repayment plan

 

Don't no if they have a welfare rights officer will have to call when they are back at work

 

I've repeatedly tried to call btieh CAB & Shelter & I either get a recorded machine given general advice or the phone rings off the hook.

 

Once i had some money about two months ago i paid £200 then this month paid the full rent .

 

I have a 10 yr old child, just recovering from the divorce of his father & I & my child really needs stability at this time.

 

1. I do not recall receiving any notice just the letter from the HA last week with what appears to be a copy of the court papers

 

2. No. 4 of the particulars stated that the claimant is asking for possession for rent arrears

 

3. Unfortunately i cannot at the moment find my tenancy agreement but my recollection is that it was initially a three year assured shorthold from June 2008. There are at least 12 of us in the complex with such a tenancy and all still living in the complex as tenants.

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1. Are you absolutely certain that the only notification you had of your arrears was the letter last week? The notice may have been served on you months ago when you first got into arrears.

 

2. Are you certain that is all that section states? It makes no reference to any of the Housing Acts or any grounds?

 

3. Forget about anyone else - it's you facing possession proceedings. You will need to find your tenancy agreement - it should also make reference under which of the Housing Acts possession can be sought.

 

You're going to have to answer these questions before help can be given to you, otherwise the help provided may be incorrect. There is a very strong possibility if you have an AST that possession is being sought on mandatory grounds, so you MUST answer accurately.

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Hi

 

@ Lea_HTH I have to disagree what is in post 2 is relevant especially if the OP has tried to setup a repayment plan and the HA have refused when it goes to court the OP can use that they have tried on numerous ocassions to setup a repayment plan but the HA have refused so this is one angle I would us as well as advising the OP to continue to make rent payments as normal.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

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I am not trying to evade any question. If i'm not answering a question clearly then it's because i do not have a clear answer. I went to an estate agent who told me a HA was renting flats & that they were acting for the HA. The tenancy referred to the HA as my landlord. It is not a shared ownership . It is 100% rented.

 

I am under immense pressure, about to be evicted, just emerging from a divorce, enormous debts & a young child to try & keep a roof over their head & food on the table, so sorry if answers are not succinct

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Hi 00765

 

Now do you have anything in writing from HA that they refused your payment plan offer and what they actually wanted as a payment plan?

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Hi

 

@ Lea_HTH I have to disagree what is in post 2 is relevant especially if the OP has tried to setup a repayment plan and the HA have refused when it goes to court the OP can use that they have tried on numerous ocassions to setup a repayment plan but the HA have refused so this is one angle I would us as well as advising the OP to continue to make rent payments as normal.

 

If it's a mandatory claim the HA do not have to agree to a payment plan, mandatory grounds are based on what is in fact at the time notice is served, and what is in fact at the date of the hearing - that's the point behind finding out precisely what the claim against the OP is. So whilst you may think it's relevant, until it is established that the OP is NOT facing a mandatory ground, anything but that is irrelevant.

 

It is only until the facts are established as I think that there is great potential to mislead the OP into thinking that the claim is capable of defence, when it may not be. The OP is probably under a great deal of stress, so keeping to the facts at this stage to establish what, if any, defence may be available (which requires details of the grounds claimed under), is preferable.

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Hi

 

I am establishing the facts that before that claim was recieved by the OP they had being trying to setup a repayment plan with the HA to pay off the arrears and that the HA refused that offer of repayment plan therefore the OP has been trying to setup a payment to pay off the said arrears but that the HA refused which can be used in their defence.

 

I am not trying to establish a payment plan after the Op has recieved the Court Papers as this would be irrelevant.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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No one is thinking you're evading questions - the point of asking them is to establish the actual facts of the matter. You will need to give the information in order to be advised correctly. There is no point telling you that everything will be fine and can be sorted out if you end up posting that you are facing a mandatory claim.

 

Is the HA named on the claim form as the claimant?

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I had 14 days to submit my defence. That's up today.

 

I'll have to ring the HA tomorrow & ask them to send me a copy of the tenancy

 

The particulars of claim that i received have 10 sections

1. my address

2. my name

3a-c when the AST started according to the HA, HA stating current rent arrears, how much unpaid rent should be calculated at per wk

4 reason why HA askinf for possession

5 steps taken to recover rent arrears

6 appropriate notice served on me. Tt states was served on 23 August 2012. I was way from my home through out the summer until beginning of September

7 about the Def. HA states that they have no information about my circumstances yet i have spoken to them at least three times since May 2012 expalining my situation

8 States that HA to atke into account that the HA is a social Landlord relying on rental income to provide services to their tenants

9. what ct being asked to do HA says give them possession, pay unpaid rent & any charge for use & occupation up to date order made, pay rent until recovery of possession of property, pay HA's costs for making claim

10payment history; HA states that 1 december 2013 rent due £7400+ & that i've paid 0. I have paid £878 this month & at least £200 in november & in October.

 

That's it for the partucilars of claim

 

Yes the HA is named on the claim form as the claimant

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