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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. 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. Can a PPC (claimant) 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.
    • 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.
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County Court Papers received - Activ Kapital for MBNA


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Hoping someone can help me...today received papers from Northampton Bulk Centre issued by Activ Kapital for an alleged debt with MBNA. I have had no prior contact with AK and need some help to know where to start with this. Have gone through various posts on the forum and realise that a little knowledge could get me into trouble which is why I am asking from the outset.

Hoping that you can offer some help..?

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Hi rasco and welcome to CAG

 

If you post some history on the debt and your dispute and how it arrived at a claim being issued?

 

Regards

 

Andy

We could do with some help from you.

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The matter refers to an old MBNA card that I had. I was making regular payments until 2010 when I defaulted.

 

It seems that at some point the 'debt' has been sold to Aktiv but there is no indication as to when this was.

 

I have had no contact from either MBNA or Aktiv about this.

 

They are also trying to claim interest on the amount from 2010 plus a daily rate.

 

Any advice as to the best way to handle this would be welcomed.

 

Thanks

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Ok well lets kick it off with their particulars...if you could type out (verbatim) less any identifiable data what they plead.

 

In the meantime got to the library (Legal) and look for the CPR 31.14 request...this is a request for disclosure but only for the documents referred to in their particulars of claim.

Then go to the Debt collection library and look for the Credit Consumer Agreement request..this is a section 78 request....you have to enclose a £1 Postal Order and send recorded delivery..print name and head the request " I do not acknowledge any debt with your company "

 

Bump your thread once you have read them and ready to send and Ill pop back in.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks. Will get the letters, in the meantime:

 

The Claimant is the Assignee of a debt(s) due in relation to a/various Credit Agreement(s) regulated by the Consumer Credit Act 1974 entered into between xxxxxxxxx Bank Ltd and the Defendant. Notice of Assignment was provided to the Defendant by the Claimant in writing. The agreement(s) was/were terminated upon the Defendant failure to comply with the terms of the Agreement(s) and or the statutory Notice of Default served by xxxxxxxx Bank Ltd. The Claimant complied with Section III and IV and Annex B of the PD Pre-Action Conduct.

And the Claimant claims:

Credit Card Account number xxxx balance of £xxxx as of 31/7/10.

Interest under s69 of the County Court Act 1984 at the rate of 8% a year from the Default Date(s) to 4/11/13 of xxxxxxx and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £xxx AND Costs.

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Received from AKtiv a notice of Sums in Arrears which simply shows an amount outstanding. Have not received any of the other details that were requested. Should I begin to prepare a defence as I am conscious that this will need to be submitted very soon?

 

S

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Sum of Arrears is nothing to do with any of your requests, they are obliged to serve this annually rasco.

 

Regards

 

Andy

We could do with some help from you.

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Okay. Thanks Andy. I had no response at all to the CCA or CPR requests that I sent via recorded delivery. I am not too bothered that they haven't replied, my only concern at the moment, however, is the deadline for the submission of a defence with the court.

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Quite rightly...dont miss the deadline.

We could do with some help from you.

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Sorry about this. I am going to need some help preparing a defence. I have not received any response to the CCA and CPR requests that I sent and am actually struggling to find a starting point for a defence for this. Is anyone able to help at all? I have until next Monday to get the defence to court.

Thanks in anticipation...

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Hi rasco

 

So in effect bar the assignee/claimant not responding to your various requests there is no real defence that can be offered........you defaulted and stopped paying?

 

Regarsd

 

Andy

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Well you can either respond with a basic defence and put them to strict proof that they can quantify and disclose valid documentation to enforce the debt or you can approach them to agree a payment schedule...its your choice really and how important defeating the claim is to you?

 

Regards

 

Andy

We could do with some help from you.

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I am looking at this from the perspective of not having had any previous contact with Aktiv - simply put there has been no notification/contact from them prior to the proceedings. It is something of an awkward position for me as they have failed to respond to my requests for information - these would have offered more detail enabling me to make an informed decision and surely there is an obligation placed upon them to disclose these details?

Requests were sent to Acktiv and their solicitors - no response from either.

 

In the absence of any information and response/co-operation I can only assume that they don't have any documentation and that they are using court proceedings as a bullying strategy in an attempt to secure payment from me.

 

I feel that my only option is to defend.

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Then you need to submit an holding defence....look through some of the threads I have subscribed to ...there are plenty of examples were you can adapt my draft to suit your case.Post here once you have drafted a rough copy and we can check it before you submit.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Okay, here goes. Need to submit this Monday please let me know if it is okay - been away for two days with work and need to get my finger out. Thanks again for the advice/help. Have taken this from another posting and adapted it - Am assuming that this is along the correct track..?

 

1. I, xxx, of xxxx make this statement as my defence to the claim brought by Aktiv Kapital.

 

2. The claimant’s particulars of claim are vague and fail to disclose any cause of action; they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR, even allowing for the constraints of the bulk issue system.

 

3. No documents supporting the claims in the particulars have been offered. A request to the claimant for further information via CPR 31.14 dated 14th November 2013 sent by recorded delivery and signed for by the claimant's representative on the 15th November 2013, has not been responded to and subsequently the defendant is unable to plead in defence to the claim.

 

4. Without clarification of the claimant’s claim, the defendant is extremely disadvantaged and as the claimant’s claim appears without merit, the defendant asks to be allowed to submit a fully particularised defence should the claimant provide copies of the original documents he will rely upon.

 

5. Further to the above 4 paragraphs, the defendant is unable to plead effectively or at all. The defendant is embarrassed.

 

Statement of truth

 

I believe that the facts stated in this defence are true.

I am the Defendant.

 

Signed:

 

 

xxxxxx

date

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Would appear that they are now on the 'back foot'....Received on Saturday - letter 1 from claimants solicitors extending my defence deadline for 2 weeks. Sent copies to the court via Special Delivery.

 

Same day received letter 2 from Aktiv saying that they were trying to get the documentation and would have to go back to another business ( assuming who they bought this from) for the information, and that 'the collection process is now on hold'...

 

Received letter 3 this morning from Aktiv saying that they 'would try to get the documentation to me as quickly as possible and apologise for any inconvenience caused' !...

 

Just now wondering the best way to proceed with this. Judging by the response from both the claimant and their solicitors, they are unable to fulfil my requests due to them not being in possession of relevant documents and, it seems, that they may have used the litigation route inappropriately...surely there is something not quite right here?

 

Can anyone advise as to best course of action please?

 

Many thanks

 

S

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I personally would ignore the offered extension raso and I assume you have submitted on time......yes they are back peddling and most probably unable to source the documents.

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I am in exactly the same position on my documents quotes solicitor hegarty peterborough when submitted my defence the changed solicitor to IND when yiou contact IND they attempt to convince you they are Hegarty now one month into the request for the credit agreements none supplied submitted a SAR all I have had back is copies of AKTIV Capital letters none of which I have seen before. Why start proceddings with no consumer credit agreement seems IND are trying to be clever, so case of holding your nerve, all my documents sent recorded post now saying collection of your account is on hold but cant b - they have commenced proceedings and i have defended the action waiting of the next move but seems to me MBNA - AKTIV- IND have a game plan to get a CCJ and then apply for an attachment to earnings all about moving qucker than the defendent any other info on whether a CCJ can be issud without production of the credit agreement or why should action be commenced without such agreement by the claimant is welcome . IND By the way only way I could trace then post code from the po box number street view and when you bring up debt bingo IND appear name on no documents so far only AKTIV Kapital hope this helps

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  • 4 weeks later...

Appreciate all advice and comment to date - thanks for the help.

 

Now have an update and could do with a bit of input if at all possible?..

 

The claimant offered extension for the submission of a defence of 14 days, which took the deadline to the 21st of December 2013. I informed the court of this. On 27th December 2013 I received notification that judgement had been entered against me on the 18th December - 3 days before the end of the extended period.

I was of a mind to make application to get the matter 'set aside' ( was not sure what else I could do at this point) but have now received correspondence from the claimant's solicitors that intimates that they are seeking to do this - they are asking me to sign a consent order so that they can get the matter set aside.

 

Within their package they enclosed a 'copy' of a letter which is dated 18th December 2013 The letter claims that the claimant made an administrative error and automatically requested judgement be entered against me and that this was incorrect as they had already extended the time for filing to the 21st December 2013.

 

My question is would signing their consent order so that they can get the judgement set aside be the correct thing to do? Is there another course of action that I could take ? It seems that they have acted incorrectly/unfairly in requesting judgement given that they had extended the defence deadline - and I wonder if on this basis if there is another option available to me as opposed to agreeing to the matter being 'set aside' - can I get it kicked out completely?

 

Also within the package of document that the solicitors sent to me is a copy of an AOL Credit Card Priority Request Form that bears my details and signature, dated 2002. Is it likely that this would be considered a credit agreement? The claimant seems to think that it is.

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Sign the consent order if you want it set a side...there is no other recompense because of their error...it happens.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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