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    • 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.
    • 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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kensignton repo tomorrow wed 13th Nov


selly1975
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Hi thanks for sorting my account activation.

 

I have a mortagae with kensngton and have £12k arrears .

My morygage is £75.000.

I had a susspended warrant granted In 2012 and ended up back in court after I paid £50 late.

 

Kensington and the judge agreed to susspend this feb following a mrs applicaton processint.

 

Before I left court kensingtin solicitor told me.

i didnt have to pay my mortgage until I appeared back in court if the mrs application failed.

 

Took me by suprise so I double checked she said the judge didnt menton payents so you dont need to.

 

I heard nothing from anyone about the mrs having to ring my council to ask what was happening an being told itsstill being processed.

 

At the end of aug- beginning of sept I was told it had failed.

I then in october received another eviction notice .

I filled an n244 form and had a court hearing thursday last week.

It didnt go well I eplained everything to the judge.

 

I have two potential buyers for the property which I told them

I had a witness statement about what the solcitor said.

i have a new job and can afford to pay the mortgage plus £80 on the norgan terms required.

I was sent way to get proof of job valuation and proof of my income and the potential buyers.

 

I have everything in place apart from buyers statements

one is trying to get the best price he can offring £60k he offered 75 at one point .

The other buyer is in spain until the day after hearing.

 

Ive sought some advice and have a statement from shelter but I just wondered if there ws anything else I can do.

 

I wish I hadn't listened to their solicitor but with her knowing abput law etc I just took her word for it.

not payong has allowed me to buy new furniture as y ex clered me out when he left.i wuld of oad otherwsr.

 

My financai situ is good and shows I can pay.

But also I have the potential buyers too.

 

My eviction is wed at 12pm hearing is at 10

 

Any exyra help woud be apprecated

Many thanks sel

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S.O.S messages have been sent out on your behalf, however, you might want to have a read of the information in the link below whilst you are waiting for help :) .

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It sounds like you are well prepared...I don't have long this morning as am about to leave for court, but will be back later this evening to see if you've had any help, and if not we'll take it from there.

 

You'll need to let us know how many years exactly to the month you have left on the mortgage - £12k is a lot of arrears but if you can afford to repay the arrears in the remaining term of the mortgage, then the judge should at least let you have another try. Obviously it will depend on the exact circumstances - such as when the original order was granted - how many times you've breached the order and so on...

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Thank you 13yrs 8 months left on the mortgage firat order granted january 2012 missed the twenty pound but later made that up. Ive justrealised I missed a payment Iin december but was makig it up in december but was to late by then. Second warrant an suspension was this feb for the mrs application.

 

Shelter have sent a letter stating things for me if you would like it sending I would be happy to forward this.

 

I have my valuation a letter from kensington which also states an arrwars fee whih in the first heaig they were told to stop .

Have my job acceptance

Witness letter

Shelter letter

And the only proof from potential buyers unfortunatly are face book messages but I suppose ts better than nothing

 

Hanks for the quick reply

Sel

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Hi Selly

 

Kensington are notorious for adding an automatic £50 fee to the account every month. They were also fined for not looking after their customers fairly in the past See here:

 

http://www.theguardian.com/money/2010/apr/12/fsa-kensington-mortgages-fine

 

Have you ever filled in an income and expenditure form? If not fill one in.

 

You need to try and get to court tomorrow morning as a last attempt to keep your home. Ask for a hearing take everything with you like your job acceptance, income and expenditure form, Shelter letter, etc. Inform the judge that you believe the arrears charges added to the mortgage account should be refunded, any idea how much these are in total?

 

Do you have any money to put down towards the arrears?

 

Did the Kensington ever offer you a repayment of interest only to get back on your feet? If not it proves that they were not very helpful to you in the early days. This is a guideline the Kensington have to follow.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I have got no idea how muh the costs are

the letter shelter have drafted up mentions the job my income expend form and the fees added.

 

I have just recieved this months statement from them showing a fee.

 

I wouldnt have much to pay toward it £100 roughly once I get my income support

then I dnt get my wages when I start untill the 15th november

.. Im currently on interest only which I asked for myself they accepted that .

 

I have been told about kensignton being unfair and seen the article above before.

Court hearig is at 10am it was suspended last wed for me to gather info needed required by the judge.

He did say he wouldn't be the judge attending tomorrow though .

 

Ive had a really rough time lately with a relationship breakdown friends passing on and family becoming ill.

Ive just managed to find my feet again and start from scratch .

 

I just want to prove myself and also there os the fact that I have two potential buyers

so if it was suspended I wpuld still have those interested.

I guess I can only wait for tomorrow.

 

Just need to make sure I have everythig in place

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god Kenny's as usual.

 

I cannot stress how important it is to go theu ALL the statements with a fine toothed comb.

Kenny's will add anything they can to trhe mortgage by way of fees

 

and as has been pointed out

have been reprimanded more than once for unlawful fees.

 

look for

arrears fee

letters fess

telephone call fees

unanswered telephone call fees

debt advisor visit fees

 

and solicitors fees OUTSIDE of any time the mortgage ws NOT subject to a RUNNING court case.

 

you need to list them in a spready at THEIR int rate

and present that to the judge if the you get the chance.

 

I know this is a matter outside of the current problems [as they just get taken off of the mortgage total]

but

I have had success with two instances whereby it was used to 'example] to the judge

the unlawful tactics kennys use.

in both instances he was none to pleased.

 

in one case, he actually sat down and read the article mentioned in post 8

and stopped the eviction dead.

 

hope this helps

 

some othe notes I've found on them

 

Hi

Just to let you know

.

this bunch Kensington have been fined £1.225m by the financial regulator

.

for treating borrowers who were in arrears unfairly.

.

Claim those charges back plus the interest

.

and tell them not to add any more to the account.

.

There are a few news stories here you can get the info for a letter to send to them.

http://news.bbc.co.uk/1/hi/business/8615870.stm

http://www.telegraph.co.uk/finance/p...y-the-FSA.html

http://www.fsa.gov.uk/library/commun...2010/065.shtml

http://www.guardian.co.uk/money/2010...mortgages-fine

 

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 Selly

 

The arrears charge showing on your latest statement is great ammunition to use against the Kensington tomorrow.

 

Between Dec 2012 and this month there must be £550 in arrears fees you could get back,

inform the judge that this fee is automatically added by a computer and is not helping you pay back your arrears.

 

Do an income and expenditure form fully this afternoon to show the judge you can sort out the arrears,

 

do you have any children?

 

You need to get an emergency hearing for tomorrow morning,

 

have you phoned the court yet?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Here is an Income & Expenditure form you can use.

 

 

 

 

Ellens Budget Sheet.xls

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you

 

got the income expend form all filled out

went throught civil law organisation .

He has done a realy good letter which I can email to someone if you would like to see that.

 

Ive got a letter that says I had a fee added in december 2012.

He man from shelter has asked kenys for a full statement of fees to be presented

 

I had the hearing last wednesday after puttig he n244 form in.

The judge susspended it until tomorrow so I could gather evidence of my new job valuaton income expen and proof of potential buyers.

 

He judge was gping to give me two weeks but they contested that as eviction takes place tomorrow so he gave me seven days.

 

I think om loaded with every thing I need and now the new info about the fees .

 

I doubt anything was being paid off as at the time I was payong 45 pound off arrears as they were adding goin to drag all paperwork out an go through it all

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It sounds like you've had good advice from the people who have helped you prepare the letter and income and expenditure

- you have gathered the information that the judge asked for,

so it would seem that once that is seen,

the likelihood is that the eviction will be stayed.

 

If you had been unable to produce what the judge asked for, then you'd be in difficulties.

 

The most important element here is the fact that you can now afford the CMI plus something towards the arrears,

so even without the sale offers, you'd be in a better position than you were in previously.

 

Try not to be too stressed, I know it is incredibly difficult

- but the judge clearly wanted you to have the opportunity to stay in your house,

otherwise he could have rejected your information last week.

 

I can't pretend that you aren't very close to the bone with your £80 off the arrears offer

- it's only marginally above the Norgan figure, so be prepared to explain to the judge

that Kensington are still adding the £50 per month charge,

which makes it harder for you to clear the arrears.

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I will thank you.

I actually got.it wrong

I can offer 100 a month extra .

but I will stress that they are adding fees.

 

Its not going to be the same judge he told.me.last wednesday it wouldnt be him.

 

The expected date of my payments are the first of the month .

My new job starts 25th november and the next pay day is december 15th

as I wont have my carers allowance and income support after that

i will have to live off the child tax and child benefit until working tax is sorted

and my first wage so I may not be able to make a full if any payment till the 15th

 

Shoyld I mention this in front of the judge.

 

Its possible I cpuld lend the amount needed untill my payday its incase I cant

 

.i havent recieved any mortgage intrest payments from dwp and only just realised this so chasing that up aswell

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Mention this to the judge. This will cause a lot of trauma and may impact their University work and will make 3 adults homeless.

 

If you can afford the payments you don't really need to sell, get the judge to tell the other side to pay back those charges which are automatically added to the account.

 

Good luck today.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Wishing you the best for a successful outcome today :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:thumb:

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Im home and still have a roof over my head . Judge went my way but only just.

I have togo back in three month with the payslips and an upto date inc epxen form ( with my wage )

 

Thank ypu to everyone for ypur help

I quired the charges but judge said well the wi chatge them if there is arrears so dont k ow what i can do about them x

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Hi Selly

 

Well done today. The charges added to your account are unfair. These are automatically added to your account by a computer. I would make an official complaint to the lender stating that the charges are unlawful under the Unfair Terms in Consumer Contracts Regulations and also that they should follow the Financial Ombudsman's Rules on hardship and mortgage arrears. Have a read here:

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/mortgages-arrears-and-hardship.html

 

Just make sure now that you pay everything on time, you won't get another chance with this same judge next time.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Excellent news, selly.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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