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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • 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
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Co-op threatens sanctions and financial punishment.


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Received a standard letter template from the Co-op, hopefully attached?

 

However, it wasn't until I re-read their missive that I noticed the wording they used.

 

"Continued misuse of your account means that we can impose restrictions to your banking facilities, including your debit and credit cards, or even close your account"

 

Now considering this is only the second time I have bounced a direct debit, I find their language very threatening, quite how depriving me of £30 is ever going to force me to not "misuse" my account is totally beyond me?

After all, isn't the reason why these DD bounced because I didn't have enough money in there in the first place?

 

No wonder the finance industry is in such a mess, I rang them (Truecall) and spoke to a pleasant enough lady who told me they can only waiver bank fees once in a 12 month period, when I told her that the only payments going into my account between now and their attempted 'charge' of £30 is going to be my benefit money, it sort of fell on deaf ears, 'it's in the terms and conditions' yadda yadda yadda, 'were allowed to take money out of the account' yadda yadda yadda.

 

So letter of complaint is going out first thing tomorrow, along with my thoughts on why I feel their charges are unfair, and if they wish I will send them a letter of appropriation. In the meantime I'm looking for another bank!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Whenever i argue with my bank, i always demand to know the name and employee ID of the person i am talking to, so i can call them as a witness if i need to take court action. You wouldn't believe how fast i get passed to a manager and have my problem sorted.

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

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'were allowed to take money out of the account'

 

Who do they think they are, some government office or the tax man. They are just another business but one that gets it's stock (our money) for nothing and makes a profit on it, a bit like the waste recyclers but less ingenuous.

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Yes she did try and get me to speak to her manager, but I told her I would rather deal with this in writing so I can have a paper trail of evidence.

 

Don't really want to transcribe all the calls..:lol:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

So, ended up telling them I'll need a £30 overdraft to buy some food for the month seeing as they had taken my benefit money.

 

They ended up giving me a £40 O/D, which I used £30 to buy my food, and took the extra £10 as a means to compensate me for the trouble they had caused.

 

I then opened a new account with a separate banking group, and transferred all payments to it. Leaving Co-oP with a £40.17p O/D.

 

Looking forward to the ensuing influx of deforestation.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Well this has escalated somewhat!

 

Not at all worried mind, truecall is doing a stirling job rejecting all their calls, and recording all their failed attempts to harass me via the phone.

 

Todays post brought me a DN, and a faulty one at that!

Whilst they have learned to give the required fourteen days in which to rectify, and state an actual date, unfortunately the amount they want is the total amount they claim is owing, tut tut, try again, and remove the bank charges you have added and the interest it has accrued on those charges, then come back and we can talk like adults.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

58 calls since the 15th Oct, all expertly rejected by Truecall.

Now correct me if I am wrong, BUT, I have made it clear to them verbally NOT to call me again, (letter to go out this week regarding their harassment, and the charges I will present them with should they continue to ignore my request)

 

I am quite sure that truecall informs the caller that their call is not appreciated and NOT to call again? Can't get much clearer than that, at least they can't say that the five calls in one day they made they didn't understand?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Harrison v Link.

 

Hit them where it hurts.

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

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  • 2 weeks later...

So after sending them a suitably direct letter informing them to remove my number from their database yadda yadda yadda, and to never call me again,

the total number of calls they have now made stands at 83, yes eighty three!

So by my poor maths @£18 per unwanted call = £1494.00 then the fee on top of that plus interest at the stat rate... :typing:

 

So just to inform the 'collections department' exactly where I'm at, I rang them and told them that I issued them a letter of harassment last week, and it clearly stated should they continue in their harassment and intimidation, that I would be billing them for the entire call history they have made. They have continued, so I have again informed them verbally, to remove my number from their systems, only for the silly boy to respond with 'they might contact you again when it gets to our other department'?

 

More fool you if you do!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 5 months later...

Just a V.quick update on this, currently paying them £1 a month, they still have ownership of the account and the £1 a month payment is coming off the total owed.

 

They have also refunded the bank charges and interest added to those charges, bringing the account below £180....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Lovely letter off Co-oP, informing me that Robbersway are now in charge of this account, and all payments blah blah blah must go to them...

 

S/O won't be getting changed, £1 a month is still being paid to the bank direct, looking forward to Robbersway first threat letter.

Truecall will hopefully start logging their failed telephone harassment calls, lets see how many the bank can rack up this year, as it is ultimately their responsibility of any

third party they choose to employ, they can carry the can!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Ok, need to pick some brains here.....mine is defunct!! :frusty:

 

To date, Robbersway have sent me three missives, last one being yesterday, gave em a little toot, wanted to bait them for a while, anyhow..

 

This account has now gone through the whole, default and termination process twice, first was figures WITH fees/charges/int second one was WITHOUT

all of their fees/charges & Int, plus Int was stopped before they terminated.

 

A GOGW was made by me as a result of their GOGW to refund all fees etc, of £1 a month, they obviously wanted a I&E form filling in, 'computer say's No!'

just set up a S/O to maintain monthly payments, however......

 

On telling robbersway that I was paying the bank direct, they insisted that the bank hadn't received any payments since June, so checked online banking and sure enough, they were returning my S/O the day after it had left my bank..

 

I'm just putting a letter together of my own to send the bank to question them as to the legality of what they are doing.

Now as I understand it, when the agreement is terminated, that basically means that the agreement no longer exist (Y/N?) therefore unless there is any express permissions written into the agreement, interest, charges, fees etc can no longer be added as the agreement which allowed them to do so has been terminated by themselves? (Does that make sense?)

 

Therefore, the part that says they ''may pass your account onto a third party debt collector to collect on their behalf'' is surely unfair/unlawful?

 

And IMO the only way they can get around this is by selling the account under the LOPA giving the 'new' owner the debt to chase, but surely they would need you to make a new contract with them in order for you to pay them?

 

Or am I really really confused?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Isnt there a law or regulation that says a creditor cannot refuse a valid form of payment towards an outstanding amount owed?

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

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I think your right, there was one somewhere with the OFT DCG, time for some digging.....

.

.

.

.

A ha!

[Note: paragraphs 3.9c of DCG and 3.48 of DMG](2) unless the credit agreement requires payments to be made to a third party, refuse to accept a payment tendered to the firm by the customer or by a person acting on behalf of the customer;

http://fshandbook.info/FS/html/handbook/CONC/7/12

 

I think I might be understanding it a little better now......so whilst the 'agreement' has been terminated, the actual 'contract'' has not.....? :noidea:

 

Time to start reading the small print I think, back in a week!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

So CooP have now sold the ''ACCOUNT NUMBER'' only? to 'Asset Link Capital (No.5) Ltd (ALC5) Who have 'appointed' Link Farcical Outsourcing Ltd (link) to manage this account on their behalf??

 

Confused, yep me too?

 

I'm going to hold off baiting them for a while, just until I can do some research and then ring them, only to laugh you understand.....:phone:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if the only payments into the account are clearly marked as benefits

then BCOBS should kill the debt dead.

 

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414497-Success-with-Satans-bank-using-BCOBS

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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Sorry attempted to post up the two scanned letters that Link sent, one they allege to be from the bank, but in the same font, and on the same paper as their own begging letter.

 

I know they use others letter headed paper, but I've already lodged a complaint to the bank using the word, 'fraudulent use of' and am leaving link farcical to their own devices for the time being, lets see how much rope they need to hang themselves...

Edited by Bazooka Boo
Brain fart and can't post up scanned missives??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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With a little luck, the attachments should show the latest missives from, link,

 

 

and the fake letter from the Co-oP bank,

 

 

both sent in the same envelope,

 

 

both with the same font,

 

 

and both using the very same paper,

 

 

yes I really do inspect these missives that closely!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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sadly the debt buyer are permitted

to use the OC's logo's etc.

 

 

in a NOA.

 

 

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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Hmm, but I'm thinking along the lines of SLC and their use of fake DCA's etc......

 

Surely this is misrepresentation?

 

Doesn't really matter to be fair, as I don't deal with DCA's, unless I want to bait them....I don't know, these are the second

clowns to chase for this, surely they know they're :deadhorse:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

The latest missive in this somewhat tedious saga.

 

I note that they claim to have sent me correspondence before, they've not, this is the first begging letter they've sent.

 

I also note that they claim that the debt is registered for six years or until the balance is cleared!

 

Maybe they know something we all don't?

 

Ha ha, my bad, school boy error! Convert jpeg to pdf.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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begging letter

 

 

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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begging letter

 

 

dx

 

I know, I rang them and told them I wouldn't be paying them anything, as I was previously paying £1 a month direct to the bank who kept on refunding

the payment to my account before selling it on.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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