Jump to content


  • Tweets

  • Posts

    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 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. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mariln/M&S/credit file


sillygirl1234
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4050 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Ive recieved a letter from the lovely Marlin

saying they now own a old debt of mine from M&S that I defaulted on in 1998

( taken out m & s card in 1994 can u believe)

and Its deffo statute barred.

 

It says in letter that they will notify credit ref agencys of this debt untill its paid

but it would have already had six years on my file from 1998 when I defaulted.

 

Can they do this? I thought it was only allowed to be on your file once?

 

Thanks

Link to post
Share on other sites

If the original default has fallen off your credit file then they cannot create a new one, they would only be able to amend the original default to reflect the change in ownership etc, but since this has now gone, there really isn't a lot they can do with regard to the CRAs, time to complain methinks

Link to post
Share on other sites

Hi, for clarification Statute barred = 6 years no payment (to any one) regarding the debt and no written acknowledgment made.

 

So send the following to the Compliance Manager Marlin.

 

Ref: Use theirs.

 

Dear Sir/Madam,

 

I am in receipt of your letter dated xx xx xxxx regardding an alleged debt relating to an M&S account, please note I do not acknowledge any debt to Marlin or any company it may claim to reperesent.

 

Having reviewed my credit history I have concluded that any such alleged debt is statute barred, therefore I will not make any payment now or in the future.

 

I would remind Marlin that if it should dispute the status of the alleged debt the onus of proving unequivocally that the alleged debt is not statute barred falls entirely on Marl.

 

Marlin will now cease to process all data relating to me and remove it from its records.

 

I am fully aware of the OFT Guidance on Debt Collection and the sections regarding the pursuit of statute barred debt.

 

This is my final response.

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:

Link to post
Share on other sites

  • 3 weeks later...

Hi response to letter to marlin says they have checked with M&S and last payment was made in 2009 so they say its not SB and basically what do i intend to do about it.

 

I need to dig out all bank statements and check this but im sure it was not 2009.......

Link to post
Share on other sites

I expect better brains than me will be along soon, But the onus is on Marlin to prove this 'PAYMENT' was made at that time, or send them a letter along the lines of ' you say a payment was made on this account in 2009, Please send me the following , If by BACS the account and name of the originating bank, the date, if by Credit/Debit card the 16 digit number from the card , if by cheque the name of the issuing bank, the date drawn and the date the funds cleared, A CASH PAYMENT IS UNACCEPTABLE hope this helps but as I say someone a little cleverer will be along and give you advice :-)

Link to post
Share on other sites

Hello,

 

I would write back and refer them to section 2 of the 2006 Fraud Act as below.

 

I spoke to the police at Worthing after my run in with them and the CID down there are fully aware of the way they run their business. The police and Sussex County Council have had lots of complaints but getting a conviction requires a lot of proof and man hours.

 

I would also send a complain to the OFT, the more people who complain about Marlin the more likely they are to be sanctioned, or, hopefully, have their consumer credit license revoked.

 

 

2Fraud by false representation

 

 

(1)A person is in breach of this section if he

 

(a)dishonestly makes a false representation, and

 

(b)intends, by making the representation

 

(i)to make a gain for himself or another, or

 

(ii)to cause loss to another or to expose another to a risk of loss.

 

(2)A representation is false if

 

(a)it is untrue or misleading, and

 

(b)the person making it knows that it is, or might be, untrue or misleading.

 

(3)“Representation” means any representation as to fact or law, including a representation as to the state of mind of

 

(a)the person making the representation, or

 

(b)any other person.

 

(4)A representation may be express or implied.

 

(5)For the purposes of this section a representation may be regarded as made if it (or anything implying it) is submitted in any form to any system or device designed to receive, convey or respond to communications (with or without human intervention).

 

Martin g

Link to post
Share on other sites

If payment was no through your bank, you need to ask for unequivocal proof of:

1. The method of payment : Third Party Cheque, Postal Order, Cash via payment slip etc.

2. Name of the person making payment.

3. Any identifying account numbers used

4. If a third party cheque was used, name of drawer, the bank on which the cheque was drawn, the sort code and the account number.

 

State that '' a cash paymnent without identifying who made iit and by what method is not aqcceptable of proof that any such payment was made.

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:

Link to post
Share on other sites

Hello,

 

I would write back and refer them to section 2 of the 2006 Fraud Act as below.

 

I spoke to the police at Worthing after my run in with them and the CID down there are fully aware of the way they run their business. The police and Sussex County Council have had lots of complaints but getting a conviction requires a lot of proof and man hours.

 

You WILL need to have proof of any such wrong doing befoer complaining.

I would also send a complain to the OFT, the more people who complain about Marlin the more likely they are to be sanctioned, or, hopefully, have their consumer credit license revoked.

 

 

2Fraud by false representation

 

 

(1)A person is in breach of this section if he

 

(a)dishonestly makes a false representation, and

 

(b)intends, by making the representation

 

(i)to make a gain for himself or another, or

 

(ii)to cause loss to another or to expose another to a risk of loss.

 

(2)A representation is false if

 

(a)it is untrue or misleading, and

 

(b)the person making it knows that it is, or might be, untrue or misleading.

 

(3)“Representation” means any representation as to fact or law, including a representation as to the state of mind of

 

(a)the person making the representation, or

 

(b)any other person.

 

(4)A representation may be express or implied.

 

(5)For the purposes of this section a representation may be regarded as made if it (or anything implying it) is submitted in any form to any system or device designed to receive, convey or respond to communications (with or without human intervention).

 

Martin g

 

You will need to be sure of your facts before making allegations of fraud.

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:

Link to post
Share on other sites

Agree wih brig here. Follow brigs advice and demand full proof of the payment. Chances are theyll say something like postal order or theyll say its an admin error.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

If the payment is £1.00 or £10.00 then there is always s suspicion that this could be a misappropriated statutory fee with the DCA/Creditor stating that they have never received such a request.

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:

Link to post
Share on other sites

Hi and thank for your replies.

 

I am trying to find out when I DID last make a payment, because I was paying Rockwell DCA £5 per month. So need bank statements from further back. I did send CCA request but it was NOT 2009, it was well before then.

 

Will post back after I have found statements.

 

Thanks again

Link to post
Share on other sites

Right, I knew I kept everything.

 

Last payment made was to rockwell on 3rd november 2008. (so not SB as I first thought)

 

Sent cca request on 23rd november 2007 (still have post office reciept for letter) and they (m and s) sent my a copy of my application form dated november 1994.........:!:

 

After rockwell it was passed onto fenton cooper whom I wrote to telling them to bog off basically and I actually have a letter from Fentons saying we can confirm we are taking no further action in this matter and our files are now closed.

 

After that it was passed to collect direct uk but i ignored them and nothing untill now with marlin.....

Link to post
Share on other sites

M&S accounts did have ''dual purpose'' app/agreement forms.

Fenton Cooper tend to pass files back if they see a case as not easy.

Marlin are certainly more persistent, may be worth a £1 for a cca request

to Marlin.

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:

Link to post
Share on other sites

well marlin saying that the last payment was made october 2009 is a lie, and, if they had the account info they would see this.

 

Is it worth telling marlin that ive checked bank statements and no such payment was made on that date and basically "prove it"?

Link to post
Share on other sites

If youve been paying rockwell then theres a high chance you were cash cowed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

well marlin saying that the last payment was made october 2009 is a lie, and, if they had the account info they would see this.

 

Is it worth telling marlin that ive checked bank statements and no such payment was made on that date and basically "prove it"?

 

Yes that would be a good move, require/demand unequivocal proof of payment, payment method etc.

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:

Link to post
Share on other sites

You know when a cow gives milk for very little effort or reason? And the farmer can grab the cow at any time and it will produce milk on demand? Youre doing the same but with money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...