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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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Statutory Demand - hand delivered after the 18 day limit.


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Dear all.

 

My wife has just told me about this, so it's possibly a damage reduction situation now. I don't know. She took out a loan, which I didn't know about, in 2002. (we were not married then). On Monday the 19th of August 2013 at 6 pm, there is a door knock and she receives a package. I was busy and thought nothing of it. Today she tells me about it.

 

BW Legal have sent her a bunch of confusing terminology which translates into give us £7000+ within 18 days from the date of this letter or we will bankrupt you. The letter was dated the 1st of August. Recieved the day AFTER the 18 day period and just before a bank holiday weekend. What a co-incidence.

 

As I write this I have no idea what she has done about this debt in the past. She tells me she once wrote making an offer, can't remember when this was, but it was never acknowledged. This may or may not have been over 6 years ago.

 

She has written back to them in the last couple of days. "I've sorted it!" is all she will say. I have no idea how. She seems not to have a copy of a letter.

 

Firstly, how does the letter being delivered late stand? There is no printed date stamp, no evidence of it's delivery date. She did write the date on the envelope when she read it though.

 

What next? I need more info from wife. Until then any pointers would be gratefully received.

 

Mike.

Edited by cheesysocks
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Somethings not quite right. Im not one to judge but it seems your wife is hiding something.

 

Is this a loan/overdraft/mortgage etc? each has their own set of rules to follow.

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

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first don't panic. More details required, experts will be along to help. OC will be needed and date of last payment, check if PPI on loan and if any charges can be reclaimed.

 

Thanks for the reply but...

  • what is "OC"?
  • check if PPI on loan? You mean insurance I assume?
  • Check with who if what charges can be reclaimed? The PPi?

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This sounds like a Statutory Demand for Payment, the first step on the bankruptcy ladder.

 

Which company sent this 'package'?

 

A credit file check is essential asap.

 

Has there been any correspondence from debt collection agencies do you know?

 

This is potentially serious if this is what it appears to be then action was required to set aside the statutory demand, if not done then a BR petition will follow.

 

You need to get answers from your wife now.

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OC = Original Creditor, who was the loan with.

PPI has been mis-sold loads of times, so there is a chance it can be claimed back.

Same with any life insurance sold with the loan.

 

So the guys on here can help you need to give as much info as possible e.g.

 

Date loan taken out

Who with

How long for

Date last payment made

Charges added by DCA's

 

Try and get the wife to talk about it and see if she has any paperwork.

These **** bags often don't have a leg to stand on, they just buy debts for pence and try it on to see if they can claim loads.

Chances are she has had threatening texts, calls, emails etc and is being bullied into paying.

 

You probably need to get a copy of the original agreement (£1) and a SAR (£10) which will give you all the information they hold on the loan.

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Yes, this does indeed sound like a statutory demand and it is not unusual for BW Legal to deliver these well after the date on the Letter.

 

Your word will be good enough for the date of service and if your wife is intending to set this aside, then she will be signing an affidavit to say when the Stat Demand came into her possession.

 

Wooks as asked some questions if could answer them, then perhaps we can help your wife perhaps get this set aside.

 

If you do a search on CAG for Stat Demand, in the Legal Success forums then you will see pretty much what you need to do.

 

There are plenty of people on CAG who will be able to advise, if your wife wants our help.. just ask.

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Ask your wife if any valid statutory default notice pursuantto s.87(1) ever been served on her.

Ask your wife if any ppi on this account/debt?

Tell your wife that she needs to be open and honest with youas regards this claimed debt under the statutory demand.

Has your wife ever made a CCA Request pursuant to s.77/78 ofthe Consumer Credit Act 1974 (as amended) to this creditor?

Come back and confirm all of the above, thank you in advancefor your response and please understand that we can only provide ouradvice/opinion on this matter as regards your/your wife’s full response to thesame.

Kind regards

The Mould

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Evening again.

 

Thanks for all your replies. I really appreciate you all bothering to help.

 

I've been out at work (yes, on a Sunday afternoon) and just come back in. Wife has told me a bit more. It was a loan from the Bank of Scotland. Not a mortgage, just a standard unsecured loan. At the moment I have no idea if there was PPI. I doubt we'll find the original docs. Contacting HBOS will give this answer.

 

No idea about the statutory default notice pursuant to s.87(1).

 

She has never asked anyone for a CCA request.

 

Reading more into the letter it says...

 

BWLegal Debt Recovery Solicitors, are the company the letter is from.

Their client it Lowell Portfolio 1 Ltd.

Original creditor HBOS PLC.

£7,217.10p

 

The letter says all correspondence to them. What about writing to courts etc? I assume they're trying to scare you off of contacting others?

 

It then says "With this letter you will have been served with a Statutory Demand...". Then there are scary words for nearly 2/3rds of a page telling us what bankcruptcy might mean to you.

 

Having thrown in the scare, it says it is possible to avoid this by a "realistic settlement offer".

 

Now the biggie. A copy of the letter will be forthcoming, but my wife has written making an offer. I don't yet know the details, she used a standard letter she got from somewhere. Does this negate any 6 year Statute Bar, something a set aside might have come from?

 

Mike.

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It just had to be Lowell!!

 

What has she done so far?

 

Get credit reference file NOW!!

 

DO NOT look at offers of payment DO NOT contact anyone yet!

 

When was any payment or acknowledgment in writing made on this, this is VERY important!!

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Theyve offered a discount too so its guaranteed to be a lemon debt.

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

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Evening again.

 

Thanks for all your replies. I really appreciate you all bothering to help.

 

I've been out at work (yes, on a Sunday afternoon) and just come back in. Wife has told me a bit more. It was a loan from the Bank of Scotland. Not a mortgage, just a standard unsecured loan. At the moment I have no idea if there was PPI. I doubt we'll find the original docs. Contacting HBOS will give this answer.

 

No idea about the statutory default notice pursuant to s.87(1).

 

She has never asked anyone for a CCA request.

 

Reading more into the letter it says...

 

BWLegal Debt Recovery Solicitors, are the company the letter is from.

Their client it Lowell Portfolio 1 Ltd.

Original creditor HBOS PLC.

£7,217.10p

 

The letter says all correspondence to them. What about writing to courts etc? I assume they're trying to scare you off of contacting others?

 

It then says "With this letter you will have been served with a Statutory Demand...". Then there are scary words for nearly 2/3rds of a page telling us what bankcruptcy might mean to you.

 

Having thrown in the scare, it says it is possible to avoid this by a "realistic settlement offer".

 

Now the biggie. A copy of the letter will be forthcoming, but my wife has written making an offer. I don't yet know the details, she used a standard letter she got from somewhere. Does this negate any 6 year Statute Bar, something a set aside might have come from?

 

Mike.

 

What has your wife offered to settle this debt?

 

Kind regards

 

The Mould

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It just had to be Lowell!!

 

What has she done so far?

 

Get credit reference file NOW!!

 

DO NOT look at offers of payment DO NOT contact anyone yet!

 

When was any payment or acknowledgement in writing made on this, this is VERY important!!

 

Once Again Lowell trying to pull their weight, The guys here will help you Cheesysocks. I think a complaint to the OFT / Ombudsman is in order regarding what they have given you after all this is over... Information that is given out has to clear and precise to the point of where anyone can read it and understand it...

I know your priorities are in getting this sorted at the moment and i Respect that.

 

Check Noddle EF and Experian for credit info, etc... That way you can see if it is past the 6 year SB period

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Receptaculum Ignis

 

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Lowell are once again using the BR system as a method of debt collection, before exhausting all others, a breach of OFT Guidance.

 

Get the information asked for in post 10# then we can tackle this head on.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good evening all.

 

Apologies for length of time to respond, I know you're taking your personal time to help.

 

I have the original agreement, there's a surprise. It is a "Creation Personal Loan" from the Bank of Scotland. To my wife in her maiden name at this address, dated 20th March 2001. It was a £4000 loan, £1227.60 BOS Creditcare Bronze , £2711.60 interest at 17.8% and a total of 7939.20 to repay.

 

I have letters from BOS starting Jan 2002 where she was defaulting. FYI her husband had left her and she was alone and struggling financially. The loan was for living expenses, not fancy clothes etc.

 

Default notice under s87(1) of the CCA 74 issued to her on the 3rd of Feb 2002. At that time it was £301 in arrears.

 

J&J collections started writing to her in March 2002. £50 admin charge added.

 

Blair, Oliver and Scott started contacting in May 2002. They accepted an offer of £1 a month in March and again in August of 2002.

 

We were married early 2005. I have never been involved in her finances, they have always been personal to her. I respected her privacy.

 

She believes the £1 payments were continued until approx. the end of 2008. Early in 2009 she became very ill, was given a 20% chance to live and survived life changing surgery. (Ulcerative Colitis.) Was in hospital for about 12 weeks and it was a full year before the physical scars really closed. During this time I discovered some stuff about her finances but not this.

 

There are no further letters regarding this debt we are aware of.

 

The letter she has sent to BWLegal Says...

 

I have received advice from Consumer Credit Counselling Service to help solve

my debt problem.

 

I am in financial difficulties and cannot meet my payments. I will make a

monthly payment of whatever I can afford until more money is available.

 

I have enclosed my monthly budget and list of creditors. After paying bill I

can pay you X each month and will tell you when my circumstances change.

 

Please consider reducing or stopping interest during the difficulties.

 

I am trying to get an Experian Credit Report but it keeps saying "there is a problem." Will try others but I want to post this. What exactly is it I need to know from this report that will help?

 

Mike.

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So let be clear NO payment or written acknowledgment in 6 clear years on this debt?????

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!

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The credit report will give you a list of your wife's debts and who currently owns them.

There is a chance that this loan is statue barred or very close to it, it really does depend when the last payment was made. Try and dig out old bank statements etc, anything which will confirm this.

DCA's can get quite agressive when the date is close, cos they lose any legal options and the debtor can just say not paying - statute barred.

 

If you are having problems with experian try noddle, it's not quite as up to date but it is free.

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Good morning one and all.

 

Wooks, thanks for the Noddle tip. This morning I got a Noddle report and Wife was pleasantly shocked to see she rated 4/5.

 

Listed under loans are our current mortgage (up to date) and her bank account with Barclays, balance of £0 and solid green for the last 6 years. Nothing else.

 

There are 4 accounts under closed. One old mortgage (settled) and three that look like shoe shops or something, all with £0 balance.

 

Nowhere can I see anything else.

 

Regarding the last payment date, she tells me that she paid by sending a cheque each month. Somewhere in the loft she says she has her old records. Hmmm, I see difficulty in determining this. I have told her to contact her bank urgently to find out. Maybe better by contacting Blair Oliver & Scott.

 

Regarding Brigadiers query about contact, I can find no letters to her since 2002, she claims to have not contacted them, but she HAS WRITTEN in the last few days, as I said in my last post. Getting info is like blood from a stone. If the last cheque payment of £1 was at the end of 2008 then it was last acknowledged about 5 years ago. But this has to be confirmed.

 

I have to go to work so I won't be able to reply here until tonight. I hope she gets her finger out and contacts the bank to confirm.

 

Again, thanks to one and all for any help.

 

Mike.

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Lowell are once again using the BR system as a method of debt collection, before exhausting all others, a breach of OFT Guidance.

 

Hi Brigadier. Can you advise me where I might find this guidance? Thanks.

 

Mike.

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If theres a clear 6 year period with no payment and written acknowledgement of the account, then the debt is statute barred.

 

It makes no difference if she wrote a few days ago, once the debt is statute barred, nothing can un-sb it. Not even a judge.

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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Me again, the bad penny. Long day at work but glad to be back here! :|

 

Wife has contacted the bank today to try and find out when the last payment was. It's starting to look awkward, the bank have told her that they can't refer to records that far back and she hasn't got the old cheque book stubs to refer to. Also, she has sent a payment of £10 to them with the letter I referred to earlier. I need to know if there is a 6 year gap and the only people who would know would be Blair Oliver and Scott as they were the receivers of the cheques. Letter to them to be written tonight. Any standard letter I should use?

 

If it's less than 6 years (she thinks she last paid Blair Oliver and Scott near the end of 2008, 5 years ago) and therefore not statute barred what is the next step to prevent them causing full Bankruptcy proceedings? Standing Order for a fixed amount maybe?

 

Thanks again.

 

Mike.

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OFT Guidance on Debt Collection 2003/2006 updated NOV.2012 section 3.7 (n). (physical/psychological harassment)>

'making undue, excessive or otherwise inappropriate use of statutory demands when pursuing arrears or debts'.

e.g. when a debtor has no realisable assets.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Personally I'd cancel the cheque, she only paid under duress.

I think you need to send a SAR to ascertain the last date payment was made, let them prove the debt is still collectable.

I think it costs £400 to apply for bancruptcy , so they aren't going to do this unless they think they can collect.

You mentioned earlier that she had written saying that she could only pay a proportional amount to each creditor, but at the same time you say her credit file is clear.

Have I missed something or does she have more old debts to deal with.

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Evening Wooks and all.

 

I'm thinking a SAR to Blair Oliver and Scott to get the account of payments made from 2002 to 2008. We still don't know if it's Statute Barred or not. Also a SAR to BWLegal (Lowells) to 1, slow down the proceedings for up to 40 days and hope they haven't the full info. Comments?

 

Cancelling the cheque. Not sure about this. What if it is not Statute Barred, would this make it look bad in front of any courts?

 

Regarding old debts, another letter turned up this morning. Sigh, is there no end? This time it's Bryan Carter on behalf of Lowell Financial Ltd on behalf of Fredrikson International. No mention of original debt, £1541.66. Threats of court and solicitor fees and interest "Should proceedings be issued." Just now I have no idea what it is for or how old the debt is. Another SAR. At £10 each I guess it might be cheaper to pay them!

 

Brigadier, thanks for the OFT guidance. I'll add that to the SAR and see what happens.

 

Mike.

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