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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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Warrant of repossession!


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Please help have so many questions

 

Received a warrant for repossession which is on the November 4th telling me I need to vacate by then.

 

My arrears are 4200 with santander eversheds.

 

My husband has been out of work, so we have struggled we came to an afreement of 1200 of the arrears plus our normal mortgage amount each month, which we managed twice.

 

We can't afford that as we were both put of work, now both employed we called trod at and offered to pay half by November 11th they understandably said no. They want 2225 by October 24

 

I know I can put a n244 form in, what I don't know is would this sort it before the evoction date, how much is it, and where do I do it? Obviously so worried. My daughter who is pregnant is currently living with me and I feel beyond useless.

 

I don't want to go for an n244 if its not going to be decided on time

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Hi Rachel, I'll get back to your shortly and we can get to work on an N244 application - if you put it in tomorrow or Monday you will get a hearing before the eviction date. If you can show how you will pay half of the arrears and also something towards the arrears each month going forwards you should be OK.

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Hi Rachel, I'll get back to your shortly and we can get to work on an N244 application - if you put it in tomorrow or Monday you will get a hearing before the eviction date. If you can show how you will pay half of the arrears and also something towards the arrears each month going forwards you should be OK.

 

Ok thank you, do I have to attend the hearing? This in itself

Is worrying me so much

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Also been told I need to attend hearing and get an appointment to submit an n244, pretty sure I physically wouldn't go, I am nearing a break down, they want 2225 by October 24th only received the letter today, that's a week, plus my mortgage is due on the 21st so 550 for that then top, I can do my mortgage plus 1000 and the same each month but that's all

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When you have completed the N244 you take it along to the court and hand it into the office - the fee is £45 and they will give you a date for the hearing. You will most definitely need to attend the hearing if you want the eviction stopped. However it is nowhere near as frightening as I'm sure you are imagining. The hearing takes place in a room, usually around a table (a bit like a meeting) with the judge, a representative for the lender and yourself. The judges are usually very good at guiding you through the process (which will take less than 10 minutes) and will understand you are nervous. A lot of courts have free duty legal advisors in attendance on days where eviction hearings are taking place and you can ask them to assist you and accompany you into the hearing - they can speak on your behalf and support you.

 

If you can make any payment in the meantime you should do so as it will help your case.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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When you have completed the N244 you take it along to the court and hand it into the office - the fee is £45 and they will give you a date for the hearing. You will most definitely need to attend the hearing if you want the eviction stopped. However it is nowhere near as frightening as I'm sure you are imagining. The hearing takes place in a room, usually around a table (a bit like a meeting) with the judge, a representative for the lender and yourself. The judges are usually very good at guiding you through the process (which will take less than 10 minutes) and will understand you are nervous. A lot of courts have free duty legal advisors in attendance on days where eviction hearings are taking place and you can ask them to assist you and accompany you into the hearing - they can speak on your behalf and support you.

 

If you can make any payment in the meantime you should do so as it will help your case.

 

 

I understand this, I just know I won't bring myself to do it, ill have to make paymen and hope they accept my offer

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If they don't accept your offer and you don't apply for a hearing to have the eviction stopped and attend, then you will be evicted - sorry to sound harsh but that's the reality I'm afraid.

 

How much can you pay now ?

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If they don't accept your offer and you don't go to the hearing then you will be evicted - sorry to sound harsh but that's the reality I'm afraid.

 

How much can you pay now ?

 

I am aware of this they want 2225 plus Octobers mortgage payment I can pay Octobers paymen plus 1400

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When can you make that payment ?

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OK, make the payment and then write to them by special delivery on Monday so they get it Tuesday. I can draft a letter for you.

 

How much can you reasonably afford towards the arrears each month going forward ?

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I think looking at it seriously without outing myself in a position that may occur again 700 a month, thank you for helping me, I have contacted them in the last two weeks and they've not responded I spoke to them today on the phone and they claimed they have but in all my time on dealing with them they hardly do, but this is via email

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OK. complete the affixed budget sheet (it calculates automatically as you fill it in) you can send them that with the letter (you would have to do one for a court hearing anyway so you might as well get it done now) and tell them if they do not accept your proposal you intend to apply to the court for a hearing to stop the eviction (if they think you're serious about defending the may decide to accept, but it's not guaranteed). When you have completed the budget sheet I'm happy to look it over.

 

I'll draft you a letter to send to them, you could email it first, but you must send by special delivery on Monday with proof of the pyment you made on saturday.

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OK. complete the affixed budget sheet (it calculates automatically as you fill it in) you can send them that with the letter (you would have to do one for a court hearing anyway so you might as well get it done now) and tell them if they do not accept your proposal you intend to apply to the court for a hearing to stop the eviction (if they think you're serious about defending the may decide to accept, but it's not guaranteed). When you have completed the budget sheet I'm happy to look it over.

 

I'll draft you a letter to send to them, you could email it first, but you must send by special delivery on Monday with proof of the pyment you made on saturday.

 

 

 

Ok thank you

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The budget is done but won't allow me to upload here, I have put the arrears as 2800 not 4200 as thats what it will be at once I have paid the amount and sent it off.

 

Incomings 2220

 

Mortgage 560

Council Tax 110

Buildings/Contents 69

Life insurance joint 87

Water rates 55

Gas 45

Electricity 55

Telephone 20

Food and house keeping 300

Tv licence 25

Travel 50

Petrol 20

Car insurance 70 Total 1467.00

 

Balance owed 2800

Remaining funds 733

Suggested amount 700

 

With my offer of 700 and my in comings and out goings it leaves me with 33 left a month.

 

Could you let me know when you have a draft of the letter, I really do appreciate it, I am not burying my head in the sand, I am going to try to get it all, will be 800 short with octobers mortgage payment, and just 1400 of the 2225 they require, which I may possibly be able to get, but I will send the letter you suggest I do in case I can't.

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Is the mortgage only in your name or joint ?

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Hi Rachel,

 

Can you email the budget sheet to me at [email protected] (there is no space between the c and o). I have almost finished your letter, but given the amount of arrears I think you would be better to pay £1,000 + the normal monthly payment tomorrow and then offer £500 per month to clear the arrears (this will clear them in 6 months) and allow for the expense of Christmas and any other unforeseen expenditure. What do you think ? If you went to court the judge would think that £500 is more than adequate for the amount of arrears you have, and the lender would be foolish not to accept that offer.

 

Forgot to ask - do you have any dependent children living at home?

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Hi Rachel,

 

Can you email the budget sheet to me at [email protected] (there is no space between the c and o). I have almost finished your letter, but given the amount of arrears I think you would be better to pay £1,000 + the normal monthly payment tomorrow and then offer £500 per month to clear the arrears (this will clear them in 6 months) and allow for the expense of Christmas and any other unforeseen expenditure. What do you think ? If you went to court the judge would think that £500 is more than adequate for the amount of arrears you have, and the lender would be foolish not to accept that offer.

 

Forgot to ask - do you have any dependent children living at home?

 

Hi, I contacted eversheds with my suggestion of the higher amount, they went back to santander to ask of any movement was possible who have come back and said no, so pretty sure there isn't any point, what with my mortgage payment being due Monday too and what I have ill be 800 off which they'll need by the 4th so I think my only option is to fin he short fall of 800 by then

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Sorry, I don't understand what you mean - are you paying £1000 tomorrow and your instalment on Monday?

 

You need to get a letter off to them (I've nearly finished it, but need to know exactly what you intend to pay and when) - once they see you mean to take it before a judge I'm sure they will change their mind

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