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    • 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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Partial offer received from HSBC. What to do?????


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:confused: Hi All,

 

Today I received 3 letters for each of our accounts making offers for partial refunds. We requested a refund of 2155 (they offered 1400), 1822 (they offered 1185) and 3232 (they offered 2000).

 

I'm really not sure what to do now...... Ideally we would like a full refund but I have this nagging feeling that if we go for it, we will end up with nothing. Have there been any occasions of this happening?

 

Some advice would be greatly welcomed!!

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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I'm really not sure what to do now...... Ideally we would like a full refund but I have this nagging feeling that if we go for it, we will end up with nothing. Have there been any occasions of this happening?

 

 

I'm not aware of 1 instance. If you want a full refund you will have to file claims for each one.

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everyone who sees it thru to the bitter end gets their settlement out of court.

 

that nagging feeling is just nerves regarding taking them on but u would absolutely win!

 

it would most likely go to mcol but thats fine, just charge them contractual interest on each account and u will do a lot better than their insulting offers. they will settle out of court as thats what they have been doing with EVERYONE!

 

you really would win so if i were u i would stick it out. i accepted their part offer towards the total amount and carried on my claim and now it is nearly settled. they are offering u way less than u are owed and its YOUR money, not theirs. its a flaming cheek to offer u only some of your own money. god i hate these banks lol.

 

take the offers if u want as u will have to hold out a few extra weeks but personally, i think it is well worth the wait.

 

think about it this way...

 

your claim is £7209 total and they are offering you £2624 LESS than that. thats a hell of a lot of money to let them keep. if u want to give that amount away im sure a charity would do better than the shareholders...

 

plus once its at mcol slap on the 16% contractual or the 8% and it will come to a lot more. could be a nice xmas pressie in ur bank accounts and wouldnt take much longer!

 

whatever u decide, good luck. xx

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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HI, Thank you for your response. I really want to continue the claim, the only thing that stands in my way is the fact that it's going to cost £360 in total to raise 3 seperate claims. We don't have that just laying about at the moment.

 

If I accepted the offer of £1185 where £1822 is requested and used the partial refund to pay for the court costs for the other two account claims, would that go against us if it went to court?

 

That would mean there would be an outstanding claim of £6333 (inc 8%) plus £240 court fees.

 

What do you think?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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no i dont think that would go against you. if anything it would show you let them off lightly in the first instance so are even more deserving of the rest in my opinion. if you wanted to make up for the loss of money by accepting one in part then maybe claim contractual in the 2 other claims. its either 16% or 24.9% but im not 100% which (think the higher is for being over overdraft limit). I have seen these figures in other threads regarding contractual but someone else could clarify the exact percentage for you.

 

otherwise, it is a fair whack to pay out but dont forget you do get it back from them when they settle. Also, you could just put one thru at a time when u can afford each one but thats up to you :)

 

you probably already know but when you claim more than once they will close the accounts with the standard 30 days notice so u would be well advised to have another account opened and ready to go with another bank if you dont already :D

 

best of luck

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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you can merge two of the accoutns together - as long as the claim total (not including the 16% or 8% interest) does not go over £5K. I have merged accoutn and currently have two MCOL claims going through - total amount £8.5K.

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Do they close the account before the refund?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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no they make those "commercial decisions" afterwards.

 

i foudn barclays easy to get a switch card account with and someone else said co-op are fab if your credit is poor but you can try anywhere.

 

£8.5k...wanna be my new friend? lol

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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LOL I'm everyone's friend! Thanks for your advice. I think I'm gonna go for it one account at a time!

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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Hi, I'm just about to file claims for the first two accounts...... I have a question. I checked my credit file with Experien and it seems quite good apart from my current accounts which show a number 1 for each month which means I am one month behind in entry. I don't understand how they can do this as I don't have a formal agreement to pay back a set amount to my bank and therefore, I can't be one month behind. They have obviously recorded this to show that I went over my overdraft limit for those months. Is this fair or right?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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that doesnt sound right to me. someone else needs to answer this for you but it dont sound right at all. in any case, i would argue that even if they are allowed to do this, late payments are due to their charges and therefore i would make the removal part of the refund claim. they will say no but will eventually cave in rather than go to court with it.

 

they may also try to tell u to do the 2 issues seperately but dont. make it with the repayment claim and refuse the money if it doesnt include the removal. also note how they offer to change it when u get to that stage.

 

make your wording clear that removing the black marks is all u will accept, not just some amendments.

 

hope that helps :)

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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Thank you for your response. I didn't think it sounded right. They seem to make things up as they go along! Has anyone else experienced this or can provide some further advice?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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im messed up evey month with my account yet it doesnt show up on my credit report at all. i have marks against me with my hsbc credit card but that is an account....i didnt think current accounts worked on the same principle?? its not the same as a credit card or catalogue account, is it??

 

in any event, like i said, im always getting charged on my current account with hsbc and theres no mention of it in my credit report with experian or equifax

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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That's funny. Why have they done it on mine then? i also have a flexiloan facility with them which does have an agreed amount to pay back each month. I haven't missed a payment and that is reflected in the credit report but the two current accounts show missed payments for nearly a year. I don't know how to deal with this, or what to actually put in the claim.

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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ive just gone thru my credit reports again and there is no mention of my banking. theres only my credit card account coming up on there. i really dont know if they are allowed to do that. hope a mod or someone more knowledgeable can help with this.

 

if no one can help, pm a mod and ask them to look at ur thread

 

its awful they can ruin otherwise good credit scoring with their crap charges. grrr!

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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Thanks for your help Kaz.

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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How do I contact a moderator?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

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