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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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3 communications Lowell (02 mobile) £900 DEBT


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any advice on this debt please

 

 

HUSBAND DEBT 3 communications Lowell (02 mobile) £900 DEBT

On all CRAs

Start date 6/6/2010 defaulted19/12/2010 updated 24/11/2011

This started as 02 mobile debt which was passed to Lowell think they own it as its them on CRAs file . first leete off Lowell on 6/10/2011 then went to mucky hall 16/1/2012 then advantis 16/4/2012 last letter from debt managers(services)ltd dared 18/4/2013 doorstep visit letter.

Edited by Conniff
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how come its £900

 

any ideas?

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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my husband says the debt started off around £180 and is gone to this it was 18month phone contract that basically 2 months were paid then he couldn't afford to keep it up

 

 

what should we d with this one to get ball roliing what actions are first thanks

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it might pay you to SAR o2

 

get all the info

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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  • 3 weeks later...

extremely worried as LOWELL own this debt just received letter

 

 

from Bryan carter solicitors stating that.......

 

 

we must contact Frederickson international within 14 days or they will recommend proceedings against us

 

 

now this has been passed to Fredrick son now bryan carter are writeing out stating that

 

 

this debt is £900.43

court fees will be £55

solicitor costs £70

new total will be £1025 this debt started out with 02 at around £180- £200 no exactly sure....

 

 

im really worried what to do here ?

we are awaiting money to send out all the SAR for all are debts wich total cost will be £180 for cca and sar to send them all out wich will be next week end of month

 

 

been reading a lot into Lowell and they sound ruthless

 

 

what they do to people

 

 

can anybody help please give us some advice what to write to save this going to court

while we wait for money to send sar and cca letters

were realy scared here this debt started at around £180-£200 now there saying ity can go upto £1025 we have 12 days to reply

 

 

thanks guys

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deal with one debt at a time...

 

don't forget you don't need to send multiple copies of the sar

 

if you have several debts with the same bank or 'group'

you only need one.

 

seen that carter letter lots of times

 

scan it up please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

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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just remember here this has been going on for 3yrs now..

 

ask yourself WHY

o2 didn't take it to court?

 

ask yourself why after 3yrs and numerous threat-o-grams they haven't..

 

its all mostly bluster.

 

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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nothing to worried about

 

just a std threat-o-gram

 

if.may.instructed

 

never will!!

 

got 14 copies of that letter

since 2010 over 15+ debts.

 

never usually goes anywhere

 

did he ever cancel with o2

or have any issues with the phone etc

 

I would not be responding at this stage or ever.

 

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

 

Just a quick thought. You say only 2 months were paid of the 18 month contract. What will have happened is that the 16 remaining months would have been billed so whatever the monthly contract was then x the remaining months. That's why the bill is so high.

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but does not mean is needs paying

 

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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Share on other sites

DX we were reading in another thread that this Lowell combined 3 debts and it total combined which was over £1500

 

the thread was an excellent read but this lady who the respondent kept referring to as Watson was sent to hell and back with Lowell for charges it appeared

were just fraudulently placed on her and social services were involved to seek possession of her adopted child

and they also seeked to take her home ...

...you may recall the thread I no this is not the same with us but........

 

now this is are concern that we have 3 debts with Lowell and they will merge all 3 separate debts to combine 1 figure

 

as its are understanding that if the debt is £1500 or more then they can apply for bankruptcy for us (quote me please if were wrong)

 

we are very concerned that lowell own 3 of are debts and the combined total will exceed £1500 if they merge them together as they did in WHATSONS CASE

 

what can we do now to protect us from the same ?

 

what should are course of action be ?

 

we are extremely worried here thanks dx

 

ps your prompt replys and advice has been are light at the end of the tunnel thank you dx your a decent soul .........

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you mean the wendyboats thread and the mould help there.

 

that's being dealwith

it only got that far as the poster came to us late

 

merging debts is very very rare

and typically does not happen

esp where by sone are credit agreements & some are not.

 

ie card debt abd catalogue debt, merged with a phone debt

[which is not covered by the CCA that the first two are.

 

my neighbour has 18!! debts with lowells totally over £15k

they've never done a thing is 5yrs.

 

there are very few threads here that show they ever go anywhere

with a mobile debt, whereby, they are claiming the full contract term

where say its obv the punter didn't use it after a couple of months

 

the other thing to think about is

 

whats the point when they can see the punter has several debts!!

 

and its been 3yrs now.

 

pers i'd be sitting on this

 

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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this is a mobile phone debt

it is not credit

so is sadly not covered by the CCA

 

you can SAR o2 yes.

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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