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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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Blackhorse ppi reclaim and puzzling offset claim - help wanted


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hi all,

looking for a bit more help if you don't mind,as am not quite sure what to do about an offer i got??.

 

took out a home owner loan against house in 2005 and when we had sold the house we thought we had paid off the debt in full

as they had lifted the loan off the house in order for us to sell it,

 

after claiming back the ppi the company have said we still owe them nearly £900 which will be coming off the balance.

 

what i don't quite get is, we haven't heard anything from them since we sold the house in 2007.

 

can they still take this from us?????,

 

would this be classed as statue barred as i live in scotland and it's past 5 years????.

 

just don't know what to do about it,

 

any help would be much appreciated.

 

thanks

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The Limitations Act is 6 years, not 5 (EDIT: unless in Scotland).

 

You can request a Subject Access Request (SAR for short) from your lender for a nominal fee, which will help identify all loan, credit card and mortgage information they have on file for you. From this, you should be able to see your payments towards your loan, and make sure that you definitely do owe this money.

 

Consider phoning your lenders PPI department (if they have one), and ask why it's only just come up now for your own piece of mind too. But this is quite common and yes, they are within their rights to request that money from you from your PPI claim amount. But be sure to check the figures - they got it wrong and haven't ever asked for the money until now, and they again could have got it wrong and are asking for money you've already paid back.

 

As to whether this falls in the Limitations Act (i.e. statute barred), I don't THINK so but I would have this 100% confirmed by discussing with the Financial Ombudsman Service.

Edited by PPIGA
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this is the 2nd poor post by you a supposed PPI action group

 

statute barring in Scotland is 5YRS!!

 

and any debt is TOTALLY extinguished

not owed dead

 

in E+W its 6YRS, but the debt remains collectable

but they cannot enforce any court judgement.

 

ONCE a debt is SB'd NO-ONE not even a judge can unbar a debt.

 

as for phoning the lender - NO you need a paper trail.

 

as for off setting [if the debt is legally owed]

sorry but unless the creditor has sent a NOSIN [notice of sums in arrears letter]

 

then they cannot offset against any alleged debt.

 

lastly please do not indicate CAG member should contact any CMC firms

do it yourself for FREE.

 

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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hi all,

looking for a bit more help if you don't mind,as am not quite sure what to do about an offer i got??.

 

took out a home owner loan against house in 2005 and when we had sold the house we thought we had paid off the debt in full

as they had lifted the loan off the house in order for us to sell it,

 

after claiming back the ppi the company have said we still owe them nearly £900 which will be coming off the balance.

 

what i don't quite get is, we haven't heard anything from them since we sold the house in 2007.

 

can they still take this from us?????,

 

would this be classed as statue barred as i live in scotland and it's past 5 years????.

 

just don't know what to do about it,

 

any help would be much appreciated.

 

thanks

 

you need to write to the company concerned and ask them for PROOF they have sent you a notice of sums in arrears leter within the last 6mts.

 

if the have not

they have broken published industry guidelines

so cannot off set willy nilly.

 

please name the company.

 

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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thanks dx for the input,

 

will have a letter drafted up for this tonight.

 

i already have the SAR and they said on it that it was a write off in 2009.

 

they have a statement in my account that they sent to an old address in 2009 but the flat was demolished in 2008.

 

the only thing that i can think of,

on what they have done is

 

when they gave us the settlement figure to pay the loan off (which we thought we had) they have not written off the rebate

and it has gather interest from 2007 till 2009.

 

as there was a LOT of interest charges during this time.

 

they say they are taking the £900 to offset a LIVE loan.

 

(which we don't have with them.)

 

COMPANY IN QUESTION IS BLACK HORSE

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so they suddenly decide just because you want to reclaim the PPI

 

thatthere is a debt, yea ok.

 

if the debt was settled then the agreement is ended.

and they certainly cannot charge int nor penalty charges if there was a small rebate issue.

 

you need to go through that sar with a fine toothed comb.

 

and send that letter off

 

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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yeah,that's what my thoughts were.will get letter wrote out tonight and post 1st thing in the morning.

 

there was no penalty charges between 2007 and 2009 just interest kept mounting up.surely there should have been some charges showing on the account,if they were trying to get there money back like lawyers letters or something????

 

thanks for all your help buddy

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