Jump to content


  • Tweets

  • Posts

    • 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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3337 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Had a good job, career, home, money, etc.

Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah.

 

Now, for past year or so, been earning, and getting back on feet.

 

Looking to start paying back, and deal with all my debts.

Have done as much due diligence as I can, and need some pointers.

 

I have a number of creditors, with debts totalling around 45K.

Have been paying token payments of £1 to most, some more.

 

Looking to get StepChange advice and help.

But also need some idea of full and final offers to really motor down the debts.

 

So, as a starter, here are some of my most pressing questions:

 

1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates.

(I am working freelance, as am probably too old to be employed by a company.)

I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so.

Would creditors go for this?

 

2: I understand the first step may be to get CCAs from my creditors.

Are there any downsides to asking for CCAs?

Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed?

 

3: Are CCAs only for debt companies, or even the Originating creditor?

(some of my debts have been off-loaded to debt-companies.)

 

4: What is the purpose of SARs?

How does that help me?

I understand they might be for finding penalty fees, etc?

I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide.

 

5: When offering Full and Finals, do I go for the biggest first?

 

6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!!

Can I just phone them up and ask where the original debt comes from?

(I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point.

 

I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be.

I would like to ask for some help in taking the first steps for an eventual bright future.

 

PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?

Link to post
Share on other sites

  • Replies 94
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

yes sure list your debts

 

have you looked at your credit file?

 

if you don't know what you're are paying for then a CCA request them now!

 

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... 

Link to post
Share on other sites

Hi Welcome to CAG,

Are any of your debts with debt collection agencies?

Have you checked credit reference files yet. Would help to see the ages and default dates of the debts.

CCA requests to see if agreements exist first.

Do not deal with these debts on the phone for any reason, even if you can record calls, you need a paper trail.

 

 

Yes please list the debts:

 

 

Original Creditor......

DCA.......

Amount OS £.....

Start Date........

Default Date......

Arrangement to pay?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thank you for replying to the thread.

 

In no particular order: source of info: noddle.

 

Original Creditor...... Alliance + Leicester CC

DCA....... Arrow Global ( I think this one has gone round the houses, eg, once was through Moorgate, etc)

Amount OS £..... 16,500

Start Date........ 01/08/2005

Default Date...... 31/01/2011

Arrangement to pay? £1 token amount

 

Original Creditor...... MBNA CC (I think!)

DCA....... Arrow Global

Amount OS £.....8,100

Start Date........ 01/09/2004

Default Date...... 30/11/2010

Arrangement to pay? £1 token

 

Original Creditor...... Co-Op CC

DCA....... Frederickson

Amount OS £.....1,400

Start Date........01/12/2001

Default Date......01/09/2013 (I was paying £1 token. I guess they got tired, and sold onto Fredo)

Arrangement to pay? £1 token to Fredo

 

Original Creditor...... Mint CC

DCA.......still with Mint

Amount OS £.....1,600

Start Date........01/01/2006

Default Date......01/10/2010

Arrangement to pay? £2 token (they have been very nice to me, and helpful)

 

Original Creditor...... Barclaycard

DCA....... still with barclaycard

Amount OS £.....1,900

Start Date........01/10/2002

Default Date......none

Arrangement to pay? £10 pcm.

 

Original Creditor......Halifax CC

DCA.......still with Halifax via Blair something, something

Amount OS £.....9,600

Start Date........01/11/2007

Default Date......15/01/2011

Arrangement to pay? £1 token (to be fait to them, they have been quiet, and let me get on with just tokens)

 

Original Creditor......Santander unsecured loan

DCA....... still woth Santander I think, although CapQuest got involved.

Amount OS £.....2,000

Start Date........01/01/2008

Default Date......01/08/2011

Arrangement to pay? £2

 

Original Creditor......Santander "other" accounts

DCA.......still with Santander, but will need to check

Amount OS £.....2,200

Start Date........01/07/2005

Default Date......01/01/2011

Arrangement to pay? £1 token

 

Original Creditor......Capital One

DCA.......capquest

Amount OS £.....4800

Start Date........01/11/2008

Default Date......01/09/2010

Arrangement to pay? £1 token

 

Original Creditor......Co-Op

DCA....... Frederickson

Amount OS £.....450

Start Date........01/07/2000

Default Date......01/08/2013 (another recent move to fredo)

Arrangement to pay? £1 token

 

I really need to dig out my stuff and verify the originators. I know Alliance and Leicester got bought out by Santander, etc.

I had this habit of only keeping the last 12months of statements, so have lost track of late payment charges, switch to different companies, etc.

 

My slide downhill started around 3 years ago, and have been paying token amounts diligently since then.

But I am confused about which ones have been switched around and sold one. I know that Westcot were involved, but my noddle CRA doesnt show Westcot as receiving my payments.

 

I have 4 accounts showing as "closed"; MBNA, Santander/Abbey; Halifax and Egg.

First 2 showing as Satisfied, the last two as Settled.

Part of me is thinking they wrote off the debt, and DCA picked up and are cash-cowing me.

Part of me thinking the debt was sold on. Dont know how to check one way or another.

 

Thank you for reading this far.

What is my next step, please?

Link to post
Share on other sites

Should I phone the DCAs up and clarify the original source of the debt?

Part of me wants to do it for clarity.

But at the same time I dont want to awaken them to me seeking this info from them, in case they start getting aggressive.

 

I have made all the classic mistakes of talking to them on phone, and giving them security info!! (I didnt know not to)

Anyway, I have found the original owners of the debts, Mint, Barclaycard, seem more helpful than the DCAs, who are always fishing for info, etc.

Link to post
Share on other sites

never ever phone a dca

 

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... 

Link to post
Share on other sites

barring the banks account

 

I would send a cca request to all you are paying.

 

and plan to sar the original creditors

 

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... 

Link to post
Share on other sites

I read somewhere on this forum that asking for a CCA or SAR can backfire.

In what way can this happen?

(will try to hunt down the thread and link it here)

 

 

Also, if I have lost track of account numbers, I would need the CCA info back before sending off the SARs?

 

Can I just make a generic request for all info they have on me?

Edited by bright_future
Link to post
Share on other sites

an sar is all about YOU and the bank.

so number are n't really needed.

 

theres nothing that can happen regarding CCA/SAr requests

it is your LEGAL right.

 

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... 

Link to post
Share on other sites

CCA requests and SARs are lawful requests for information and have no impact on limitations or anything else.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

thanks for help on my first steps. will start off with requests over the coming week.

 

PS: am I obligated to provide an Income and Expenditure breakdown?

my concern is because of the fluctuating nature of my income.

 

Is StepChange any good?

Or can this be handled by myself?

(actually I have been, but passively, if you know what I mean. I am taking more pro-active steps now)

Link to post
Share on other sites

Address to the Compliance Manager POP is ok, you can send signed for, but if the address has a |PO Box No. then often this is a waste of money.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

What is POP?

 

Will send with Certificate of Posting, to be consistent with all DCAs.

Proof of Posting.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I have pin-pointed who needs to be sent a CCA.

 

But, of the remaining creditors, ie, Barcalycard, Halifax, etc, since they are the original creditors, they should be sent a request for a SAR.

 

I understand the purpose of a CCA, to ensure the DCA has the authority to own the debt, and it is valid.

 

But, does a SAR also include the CCA?

Is the purpose of a SAR to establish unfair penalties, or to establish the viability of the debt as well, as would a CCA?

 

sorry for being picky, and overthinking, but that's my nature!

 

Planning to send SARs to Barclaycard, Halifax, Mint, etc. (shame in a way, as they have been more accomodating overall)

Link to post
Share on other sites

leave the £1 PO's BLANK.

 

the purpose of an sar is to get ALL the data they hold on 'you'

for whatever purpose yu wish to use it.

 

 

if/if not that provides a copy of the CCA is debatable

some do some don't.

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... 

Link to post
Share on other sites

leave the £1 PO's BLANK.

 

the purpose of an sar is to get ALL the data they hold on 'you'

for whatever purpose yu wish to use it.

 

 

if/if not that provides a copy of the CCA is debatable

some do some don't.

 

when sending the £10 for the SAR, should that also be blank?

Link to post
Share on other sites

no because you are posting those to the original creditor

whom holds your data and that source does not change

anddont forget to put any/all past addreses if you have moved

 

if you have

also include a copy of your CTAX bill

to prove where you reside now

IF that is diff from the address you were at when you took the credit out.

 

and SIGN the SAR letter too.

 

you DO NOT sign the CCA request

nor send a cheque with a CCA request

as it leaves your sig open to 'abuse'.

 

which is why we recommend postal orders.

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... 

Link to post
Share on other sites

Hi

just for info,

when I sent all my CCA requests over 2 years ago now

I sent them by RM signed for delivery to the contact address I had for whoever was chasing me. A couple wrote back telling me who I had to send it to . If I remember with the exception of Iqor and RBS (mint/Natwest) I got signatures straight away on the website. The others I had to chase up with Royal Mail.

They all arrived and they took between 10 days and 18 months for them to get reply or get copies to me.

 

You may have a better chance of low F&F payments with the debts that have been sold on . The less likely they think they are to get significant payments , the more likely they are (from what I have seen) to accept lower F&F's.

If they are accepting £1 a month at the moment and they send a compliant CCA request back I would be inclined to stay at £1 but save save save and when you have say 25% of a debt saved offer a full n final of say 10% ...gives you a bit of negotiation room. It might not work but worth a shot.

 

I hope they have all frozen interest and charges, if not that should be your first priority

Any opinion I give is from personal experience .

Link to post
Share on other sites

Complexity!

 

Just phoned Westcot (on list of people I pay)

They are just collecting for a company called Credit Securities.

 

Got them to agree to send me in writing who the true owners of the debt are.

 

This is just an unholy mess!

 

got an email from westcot.

 

they now want me to send them my full name, address and any previous addresses, and birth date before they will send me a letter confirming the debt has been passed on.

 

something to do with Data Protection.

 

this despite they passed the debt on, without informing me, but are taking my money.

 

it seems they can play fast and loose, but when I want something, I have to jump through hoops.

 

what do I do?

 

I just want them to confirm the new owners of the debt so I can send the CCA to the correct people.

Link to post
Share on other sites

if wescot are collecting from you, send the cca request to wescot, but dont be giving those personal details to wescot

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...