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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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Welcome Finance / Hegarty LLP Court Proceedings - Urgent Help Needed !!!


danpe
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Responding to your PM.

 

Yes the layout and form are fine...I cant really comment on the content as I don't really know the details of your thread.

 

Regards

 

Andy

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There is no Justice even at Courts!!!

 

The Judge followed claimants instructions through the hearing and when making the order.

 

They are to calculate what is owed, taking only part (whatever they think is appropriate) of PPI off but adding 4% interest and all their costs on top.

 

I tried to argue that I should not be liable for their costs as they did not comply with pre-action conduct, did not follow judge instructions to use the mediation service etc but I was ignored.

I wasn't even allowed to finish what I was saying - claimant said the hearing is finished and judge only smiled and that was it.

 

I am devastated....

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I told the judge that I will appeal against the decision but the question is: is it worth it?

 

What I would dispute is the amount of PPI that is to be taken off while calculating what is owed;

The costs of £555

And the interest - 4% from December 2011 - I asked why from this date and judge said that this is what they are claiming that's why.

 

Any thoughts Anyone?

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From their particulars:-

 

" interest under s69 of the county court Act 1984 at the rate of 8% a year from 5/12/11 to 16/5/13 of 632.94 "

 

Sorry to hear this danpe...but hes halved their interest claimed so £316.

 

Andy

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That's something indeed.

 

but

 

Judge accepted as a fact that they received the PPI cancellation letter that consisted my request to recalculate the loan plus repayment offer. So obvious became that they were in fault by ignoring it and making the claim so why she ordered I am liable for their costs.

I proven they defaulted the account without serving it upon me and they did not sent all the documents requested in CPR letters. No pre action letters.

In addition Judges directions before hearing were clear that the parties have to use the mediation service and inform the court either the matter is resolved or not. They ignored it.

 

IS THIS NOT ENOUGH TO PUNISH THEM COST-WISE?????

 

I even tried to argue about it as I wrote earlier on.

 

I would accept judges order without question if not this.

 

Am I wrong?

 

Regards,

 

Daniel

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No you are not wrong Dan and I fully understand your frustration and agree with your sentiments...I posted the sec69 as you asked why it was from that date.

 

Andy

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How much time do I have to appeal, please?

I asked on the day of hearing for the judges permission (granted) and the time limit but they weren't sure. They given me N164 form and advised there will be a fee required.

 

The hearing took place on 14th of February but the Court order dated 19th arrived yesterday 20th.

It states:

 

1. Judgment for the Claimant on liability. Damages to be assessed to take into account the cancellation of the PPI policy by the Defendants letter dated 27 March 2008.

2. The Claimant to serve on Defendant by 4pm on 27 February 2014 a schedule of arrears to take account of:-

a) notice to cancel the PPI given by letter dated 27/03/08 and any refund or premium due;

b) any interest that has been charged on such premium from that date.

The Claimant to serve also an explanation as to the calculation of the sums in (a) and (b) above.

3. The Defendant to serve on the Claimant by 4pm on 6 March 2014 any objections to that calculation or confirm it is agreed.

4. The Claimant by 13 March 2014 to notify the Court whether the judgment to be entered for an agreed sum or the matter be listed for a disposal hearing with a time estimete of 30 minutes.

5.The Defendant to pay the Claimants costs of £555.00 to be paid by 27 February 2014.

6. The Claimant is entitled to interest at 4% on the judgement sum from 5 December 2011 to 13 February 2014.

Dated 13 February 2014

 

I am prepared to appeal against the costs but already have a letter from claimant demanding payment by 28 February 2014 or they will notify the court of failure to comply with court order.

 

What do I do now? What is the time limits?

 

Regards,

 

Daniel

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The other question I would have is about par 4 of court order:

The Claimant by 13 March 2014 to notify the Court whether the judgment to be entered for an agreed sum or the matter be listed for a disposal hearing with a time estimate of 30 minutes.

Would it be stated or forthwith? If I accept their calculation and they notify the court what time will I be given to clear the debt before the judgment is entered against my name?. Again, I did ask the judge on the hearing but the answer was:" If you pay within 14 days you should be ok, I think" she said. I think?!

 

Would greatly appreciate quick response as I am afraid I only have 7 days to appeal but not sure if from hearing date or the day I received the order.

 

Regards,

 

Daniel

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Responding to your PM danpe.

 

What exactly are you appealing against......? The claim is not resolved yet.

 

You have 21 days BTW.

 

Andy

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The claim is not resolved but I am ordered to pay their cost of £555 by 27 February 2014 and already have a letter from Claimant demanding the payment. I thought it will be ordered together but it's not.

I would like to appeal against the costs and interest relying on non-compliance as per Practice Direction Section II.

 

What is BTW?

 

Daniel

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BTW = by the way......did they serve you a copy of their costs before the hearing?

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So have you had a separate judgment through for this?

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Excellent so where does it state legally that you must pay the costs by the time stated?

We could do with some help from you.

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" I am ordered to pay their cost of £555 by 27 February 2014 and already have a letter from Claimant demanding the payment. I thought it will be ordered together but it's not."

 

 

Who ordered and by what method? in writing or verbal?

We could do with some help from you.

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Righty oh didn't see that...okay 2 options...set a side or vary the order (N244 or N245).N244 to dispute their costs as they failed to serve them on you pre hearing..N245 to stay that part of the order or to agree an affordable payment plan

We could do with some help from you.

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So not N164 to appeal against judges order relying on non compliance. So that I could appeal against the interest on the same grounds???

 

With regards to the costs, the only information about their costs is included in particulars of claim. Never received anything else.

What time limits and cost of N244&N245?

If affordable payment schedule would it affect my credit record?

Please.

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I'm only referring to the Costs nothing to do with the ongoing claim.

 

Ideally you need to submit before the payment due date N244 £45 or if you use N245 £40 and with regards to the costs amount I would assume they would just add that to your debt they are already claiming which you have already been defaulted for.

 

 

Normally all costs are dealt with at the end of trial...this is very messy.

 

Andy

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Ok. I will go for N244 before 27th. It would be easier if all of it was dealt with together.

My goal now is to avoid CCJ on my credit record. The only way to achieve this is to try to bring the order to the fewest amount possible and then pay it at once after borrowing money. If they keep breaking it into pieces my plan may not work at all.

Thanks a lot Andy.

Will post again when filling in the N244 Form as it would be handy to rely on specific regulations with regards to non serving the costs before hearing.

Regards

 

Daniel

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  • 1 month later...

Just had a response from court to my N244 which states as follows:

 

The District Judge has refused the application and stated the reasons below;

 

“this is an application to vary an order made at trial when the Defendant was present concerning summary assessment of the Claimants costs. If the Defendant wishes to challenge the summary assessment he must seek permission to appeal this order of District Judge of the 19 February 2014 and any application to extend time for such permission is required under CPR 52”

 

what does it mean?

please

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