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    • 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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Lowells/Barclaycard


Grundles
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We can always live in hope that they wil improve the way Barclays treat their customers but it'll take some persuading and time.

 

Until that happens, keep everything in writing only, or email.

 

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Right, so claim has been declined (Not sure that is the right word!) so I have filled in the N1 forms, is this correct? They have said I can refer it to the financial ombudsman as they feel that "the charges of £12 was in line with our actual and estimated costs" and that I agreed to the terms and conditions. They say it is their final response too.

 

They have also failed to provide with all the information I asked for in the SAR, can I throw this at them? If so, how? They are still messing around with this part of the issue though.

 

Any pointers from people that have managed to get the charges back off of them?xx

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Thats their standard response but they will pay up if you start court action.

 

You can argue for the default to be removed as well if without those charges being added your account wouldn't have been defaulted. I think you may be able to do that anyway as the amount you were defaulted for would be different without those charges added.

 

Although I 'bribed' them into removing my default by agreeing to accept a lower cash settlement in exchange for them removing all their account history from my credit files. It depends if you want more money or the default removed from your credit file.

 

If you start court action Barclays will buy the account back from Lowells so i wouldn't bother trying to sort out how it appears on your credit file at the moment.

 

Have you got a list of all your charges and the dates of them? Look for a £40 charge as well that BC sneak in for notifying you by letter that your account is behind payment. They will pay that back as well.

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Hi Grundles,

 

If you sent your LBA off on 8th July as suggested in post #50, they have 14 days to respond.

 

The N1 claim should not be sent earlier than the deadline unless they've responded negatively to the LBA.

 

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I have a final response from BC saying that they will not uphold my complaint. Not sent LBA as mentioned as I managed to get a response from the web relations team.

 

As far as I can see N1 is the next step, looking at shutmeup advice? Not that I don't trust people I just want to make sure I get every step right so as not to make myself look like a fool!!xx

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P.S letter never received that Monday as they sent it to my old address, even though I had passed Data Protection and updated my postal address, the customer complaint service respondent didn't note the new address!!!!!xx

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Before you file the claim, you should send them the LBA.

 

If they reply negatively to that letter, or they fail to respond within the 14 days you give them, THEN you can file your claim.

 

:wink:

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Righto, LBA sent, and responded to. Still not budging.

 

I have the N1 forms in front of me and some guidance as to how to fill them out etc would be gratefully received. I've looked at the templates, but there a figure of 8% interest is stated in the particulars of claim not 24.9% that is mentioned above. Which do I use? Any pointers? I have given them the chance to make me an offer outside of court but to no avail.

 

What should I put in the brief details of claim?! I am planning on doing it online, as it is a quicker way of doing so and involves less printing etc.

 

Thaaaaaanks so far!

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Hi Grundles,

 

We suggest you use the CCMCC office to start your claim as this enables you to make a more detailed PoC's.

 

Brief details of claim - Money claim for return of penalty charges applied to the Claimant's credit card account by the Defendant.

 

If you're using a compound interest spreadsheet and 24.9% interest, that is what you refer to in the PoC's. There should be examples of **BC WON** cases in the Barclays successes forum.

 

Also see Trancyb's thread here which may help - http://www.consumeractiongroup.co.uk/forum/showthread.php?368541-trancyb-vs-Barclaycard&p=4114556&viewfull=1#post4114556

 

:-D

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Had a quick look at the link posted above, very very helpful indeed. Glad I read it to be honest, otherwise I wouldn't have sent three copies of all the docs (only one!! phew!) It also prepared me for how long it could take, although mine isn't anywhere near the sums of money Trancyb is looking at.

 

I posted special delivery just a minute ago and have the receipts etc. I've kept track of all the emails, letters, phone calls etc so I have also included this in my claim.

 

Still don't have the full info requested from the SAR but I know the figures and the dates I paid them on. This is more just to prove a point that I shan't give up as much as anything :-/ I know, slightly childish.......x

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  • 2 weeks later...

Notice of Issue received by BC today. The Web Relations have gone all quiet on me, it would appear they don't even want to discuss or come to an agreement outside of court, am I reading these vibes correctly?

 

What can I expect now? They have until 19th August 2013 to respond....

 

:-)

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Hi Grundles,

 

Be patient and use your time to research and prepare.

 

BC will acknowledge and defend and your case will proceed through the process.

 

It's reasonable that Web Relations would go quiet on you - you're suing the bank !! The litigation will run it's course and

 

When you are anxious and keen to see results, silence is the banks greatest weapon.

 

Why is it that you're still even talking to Web Relations ?

 

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Thanking them for finally sending the SAR clarification which I had to almost bully them for, I also gave them the opportunity to discuss it if they so wished, to show willing but meh, as you say silence is the greatest weapon, but considering it's been going on since April I just want to finish playing letter tennis now!! That and I was being polite, as my Grandma always taught me :-p

 

It's ridiculous that they are defending such a small amount, I have given them the possibility of making me an offer etc, it's surely going to cost them as much to defend as it is to just make me an offer?! Either way, what will be will be.....

 

Thanks SLick xx WIsh me luck x

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Notice of Issue received by BC today. The Web Relations have gone all quiet on me, it would appear they don't even want to discuss or come to an agreement outside of court, am I reading these vibes correctly?

 

What can I expect now? They have until 19th August 2013 to respond....

 

:-)

 

From my own experience Barclays will go with defending / etc / etc and then one week before going to Court the 'offers' to settle will start from Barclays !

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Hi Grundles,

 

See my advice in post #59 earlier.

 

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  • 2 weeks later...

So went away for a week (lost my purse in the process!) but

 

did come back to a letter from BC offering me just over half of the money claimed with no mention of sorting out my credit reference.

 

I plan to write to them stating that I conditionally accept the offer subject to them updating the default on my account, if they refuse to do it then I shall be .

 

Not sure, as they have sold the debt to Lowells, whether this will actually have any positive affect on my report.

 

Lowells are not mentioned on my report at any point whatsoever and the debt is still showing as Barclaycard.

 

Lowells have already refused to update my report as they are adamant that they are reporting it correctly.

 

If i insist that BC update it, will it have a knock on affect that they shall insist to Lowells?

 

Or will they say that they have sold it therefore I need to sort it?

 

Assuming it is the latter...?!

 

Any thoughts?

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Hi rundles,

 

If you accept their lower offer, they may see this as you backing down. Hence they may also be unwilling to do as you want re the adverse credit data.

 

Probably your best bet, if you want a higher offer, is to reject the current offer and continue the court process.

 

When they see that you are serious and prepared to see the court claim progress, they may be more willing to increase their offer and remove adverse credit data.

 

:-)

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Hi Grundles,

 

Did you tell them you also reject their offer because it's too low ?

 

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Hmmm,

 

From experience in helping others negotiate their BC settlement, I think you may be a little too willing to settle for less than you could get.

 

Getting CRA data removed can often be more difficult than getting penalties repaid. It's therefore important to keep the pressure on Barclays so you can get CRA data removed as well as the financial settlement you deserve.

 

Can you please confirm approx what is the total you are reclaiming and what is the amount on the CRA adverse entries that you want removed.

 

:-)

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Default amount is £400ish, total reclaim is £815.57.

 

I was quite careful in how I worded it, using "consider accepting", "subject to confirmation of removal of default". Don't worry. I have come this far and won't be letting them get away with it too easily!x

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I think it's important to at least get them to offer more than the default amount.

 

Then you can argue that the default amount would never have occurred without their penalties and interest and this should make your case stronger, for the removal of ALL adverse credit data.

 

:-)

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