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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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Santader current account in dafault due to unpaid direct debits. Can it be removed?


karky
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Hi

 

I'm looking for some help with a bit of a sticky situation I am in. I'll try to be as brief as possible.

 

I'm looking to get a mortgage, and have an excellent credit report apart from this one blip from Santander which is resulting in me being rejected.

 

I originally opened an account with Alliance & Leicester in 2010 which was sold to Santander. It was an account I didnt use much, just to pay a few direct debits.

 

2 or 3 direct debits returned unpaid, so Santander hit me with around £100 worth of charges. I was a bit annoyed by this so decided to just stop using the account and ignored it. Now to my knowledge I never received a notice of default despite them claiming that it was sent.

 

Santander defaulted the account on 19/7/11 with an unpaid amount of £415, all made up of charges which I thought was extortionate. I wasn't really bothered as I wasn't planning on getting a mortgage etc and didn't really realise how it would affect me further down the line!

 

I have since been in contact with them and have offered to settle it if they remove the default, but they are refusing to do so as they believe all of the charges where correct.

 

What I am really looking for is advice on how I can get it removed. Obviously tried to negotiation with them, and explaining the circumstances but they refuse to budge.

 

Is there a way that I can look into wheter they have handled the account incorrectly, or is there something I can argue that I signed T&C's as and Alliance & Leicester customer, not Santander?

 

I'm just hoping that someone has a way of getting it removed on a 'technicality'.

 

Also, would it benefit my credit report if it was settled. As I understand it will be there for 6 years anyway, and a default effects your credit file whether settled or not.

 

Thanks in advance for any help.

 

Michael

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Having it marked as settled might help you but you should discuss it with a mortgage broker.

 

The bank will never repair your credit file unless you challenge the lawfulness of the default.

 

In order to do this you would probably have to sue under BCOB in the county court and show that they acted unfairly.

Was your account a basic account?

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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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Hi Karky,

 

Your problem will become more and more common as we come out of recession.

 

Santander can exercise discretionary power to remove the default but refuse to do so. House prices will be rising again soon and you'll be stung for the difference. You might even be in a position, as I was, that you can't afford the same house!

 

Bankers are being malicious, still. The government refuses to jail them.

 

Yes, in your case, they're technically correct (especially if they can provide the default notice) but bankers really do need to start showing some heart.

 

Tell your MP. See what they suggest. This is going to be a massive problem.

 

I understand a settled default is just as bad as a default. The computers seem unable to distinguish between the two.

 

In 6 years time though, house prices for example might double say. Santander know this but choose to screw you because they can. It's a disgrace. Morals need to be found fast.

 

Good luck.

 

Richard.

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  • 1 month later...

Hi

 

Thanks for all the replies regarding this issue. So far I have had no luck with the BCOBS letter with Santander.

 

As I initially opened an account with A&L and not Santander, I was wondering whether it would be possible to get the default removed on a technicality if Santander were unable to provide me with the original credit agreement that I agreed to with A&L.

 

So reading up through the forums I am unsure whether I need to send a CCA request or a SAR. Can anybody help me and advise me on which letter is more effective and suited to my needs.

 

Thanks

in advance

 

Michael

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matters not if/if not they hold a cca they can still mark

 

I cant see why they cannot remove it

 

what did you send and what did you get in reply?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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I can't believe a company can mark your credit file if you don't have a credit agreement with them. I only opened the account to make direct debit payments, not for any type of overdraft or credit.

 

I sent the BCOBS letter citing financial hardship at the time on the 15th Feb, but am yet to receive a reply so just assumed that they ignored the letter.

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People had better start realising that a "BCOBS letter" will have absolutely no effect on anyone.

 

Only a BCOBS county court claim will start to have the required effect - followed by a BCOBS judgment.

 

It's up to you but if it is important enough then you should be ready to take the necessary action.

 

In this case, you would be complaining that they levied extortionate charges in respect of bounced DDs where there was no service provided nor any discernible benefit.

That they failed to send you a default notice

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People had better start realising that a "BCOBS letter" will have absolutely no effect on anyone.

 

Only a BCOBS county court claim will start to have the required effect - followed by a BCOBS judgment.

 

It's up to you but if it is important enough then you should be ready to take the necessary action.

 

In this case, you would be complaining that they levied extortionate charges in respect of bounced DDs where there was no service provided nor any discernible benefit.

That they failed to send you a default notice

 

This seems to be the way the Banks etc are operatingas usual, ignoring BCOBS, so a final letter before action giving 7 days to respond, if not county court claim, keep it low (as cost if loose), but only threaten if you carry out threat.

:mad2::-x:jaw::sad:
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  • 1 month later...

In trying to get it removed, I sent a letter asking to see the original copy of the credit agreement, and a copy of the default notice which I did not receive. (Letter and reply will be attached via weblink at bottom).

 

Santander replied to this letter replying that this account was not regulated by the consumer credit act, therefore does not have a credit agreement.

 

How is it then that if I have no "CREDIT" agreement that they can make my "CREDIT" file? This makes no sense at all. Are they allowed to do this?

 

Can anybody give me any advice on what I should reply back with? Should I demand that as there is not credit agreement that the default notice should be removed from my file?

 

I appreciate all help with this matter as it is stopping me from getting a mortgage on my otherwise unblemished credit file!

 

Michael

 

AS A NEW USER HOW CAN I POST LINKS TO THE LETTERS?

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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Share on other sites

ipad/iphone?

 

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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Share on other sites

we sometimes see this happening.

 

you'll have to use photobucket or alike

 

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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Share on other sites

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