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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. 
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Erudio using state benefits, refuse deferement, i want to go to court over this


sabby1978
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send back a filled in copy of the OLD SLC deferment form

 

 

gives them no rights to mark your CRa file

 

 

and gives them no rights to include benefits

 

 

the T&C's cannot change

if you don't sign their new form.

 

 

if you have deferred successfully with the slc

and your circumstances have not changed

eruido cannot force you to pay.

 

 

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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Thank you for that DX. By any chance do you know where I can get an old SLC deferment and could I write an accompanying letter saying that I will make a payment of £25 per month to be honest the process of deferring under erudio has caused me a lot of stress and I would prefer to avoid it.

 

 

Again, what would I say about not signing their papers?

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don't pay them anything

 

 

if you circumstances are not changed

from when SLC allowed you to defer

they can do nothing.

 

 

there are no laws whatsoever that you MUST use and sign THEIR paperwork.

 

 

they have been sold a debt

it already has a signed agreement [from sometime]

so it already has associated T&C's

 

 

THEY CANNOT VARY THEM.

 

 

however, if they send you a form to sign [and they have in 2 places it asks you to sign it]

 

 

if you read the small print CAREFULLY it says you are signing to ALLOW and AGREE to CHANGES in the original T&C's - DONT SIGNIT

DONT USE IT

 

 

attached is the SLC deferment form

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 DX,

I hear what you are saying but to be honest I cant be bothered with the hassle of deferring every year and I think that I could afford to pay £25 and would prefer to do this rather than having to deal with them any more, what is the best way to do this?

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stupid move giving In to a fleecing 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... 

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Share on other sites

makes a mockery of 130 posts of advice.

 

 

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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even offer them the £25, and they will deem you to have accepted their T & C's and when they say £25 not enough they will default you and try for a CCJ for the lot, do as DX suggests.

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 OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ok, I will submit old slc deferment form. I feel that I Could afford 25 but if that means I am entering into a new agreement with them and that they can mess up my credit file which I have worked so hard to rebuild then it's not worth it.

 

I will keep you all updated no doubt I will need further support and advice

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Why on earth would you want to pay a DCA a penny when you legally do not have to pay them anything at all? Time for you to stop being scared simply because a random chancer shouts at you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 6 months later...

Hi all,

I've posted on here before regarding Erudio and their insistence that housing benefit is part of my gross income.

the old SLC never considered housing benefit

 

 

without this being included I'm substantially under the repayment threshold and I'm over the repayment threshold when it's included.

I have been arguing that housing benefit is a non taxable income which was never considered by the SLC and that under the T&Cs of the loan is an exempt income.

 

I have raised this with the ombudsmen

however they initially ruled in favour of erudio

however it is now being dealt with by an adjudicator as I expressed that I wasn't happy with the decision

based on the fact the investigator failed to consider relevant information

I.e. I have deferred for the previous 6 years under the same circumstances

and on the basis they had not considered that housing benefit is a means tested non taxable benefit.

 

This situation has been going on for two years nearly and after two years of unrelenting correspondence and complaints I've had enough,

I have mental health problems and I find this very stressful.

 

 

About 4 months ago I offered them £50 per month simply because I want them off my back,

I could afford that presently (though if my situation were to change I couldn't) and I don't dispute I took out student loans

but erudio refuse to accept that I meet the deferment conditions or my offer,

 

 

they continue to send me letters.

 

 

I just want the matter to be concluded after two years.

 

 

My question is

 

 

can I take Erudio to court and let them settle the matter.

If so what do I do and what would be the best grounds for legal action I.e. harassment?

 

thanks for your help and advice

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Why not just use the SLC Deferment form.. .I think it is valid and state that Housing Benefit ISNT Included as part of the original terms of the repayment for the loan etc!

Simple! :)

 

If Erudio dont play ball, then you drag your heels with them. Your health is most important. If its with the Adjudicator wait for them to come back.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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I've done all of that and everything humanly possible

 

 

I just want to know If erudio can be taken to court,

 

 

the process and can I use harassment as grounds.

 

 

I don't want to waste anymore time corresponding with erudio as its futile and its really weighing me down.

 

 

Please any advice on taking erudio to court

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Have you logged everything that has been sent to you? It is my understanding that once the Adjudicators rule, it cant be challenged in court. Thats what an adjudicator said to me when i enquired.

So Im not sure whether you could. If they are harassing you and you havent included it in your complaint to the Ombudsman then you could potentially go to court with it.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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pers I think that is unwise.

 

 

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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Sorry just to be clear the investigator at the ombudsmen said she couldn't officially rule and so she was handing over to an adjudicator.......that was at the beginning of April. I just wanted erudio to be held accountable and for this whole debacle to finally end. My complaints and challenges are falling on deaf ears.

 

In fact in around April erudio said that my account was on hold until they had investigated my numerous complaints but still no response only demands for money, statements of arrears and threats of court. Arrears have only accumulated because they have refused to accept my 5 previous deferments.

 

It's very stressful, please help

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why do you keep kicking this debt?

 

 

you've been told several times to let this drop.

 

 

send off the SLC form to rodeo

and then ignore them

 

 

you seem to be hell bent on entering into unnecessary agro

 

 

if you credit file is still clean then I cant understand why you keep kicking them.

 

 

let them rot.

 

 

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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I haven't been told to let it drop, I don't want to be harrassed any more and I don't know what else to do

 

Read back through what has been posted

All 8 pages the answers are there

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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sabby, i know how you feel, you want these parasites to stop bothering you.

Ive / we all have been there on this site, and the advice is the best you can ask for anywhere.

 

DCA's such as the one you are dealing with have ZERO powers, they will huff and puff threaten and always say "may do this" or "may do that". At the end of the day that is as far as they can take it.

 

The agreement you originally agreed to is set in stone, the DCA cannot change it, if housing benefit is not mentioned as a gross part of your income then that they way it is, never to change.

 

You have filled in the form - now forget them, any other paperwork they send you just file away, ignore the parasites they want you to reply - by you replying they will rebuttal and you will end up in letter tennis and a heap load of stress.

 

The government for some strange reason decided to make a quick couple of quid and sold the debts, your conditions are the same, they cannot mark your credit file even if they do so what?!. You have stated you have worked hard to clear it but at the end of the day if your not planning a mortgage etc how is this going to affect you unless you work for the police or a financial body. If they do you should be able to get it removed.

 

Relax, dont worry about it, i was like you and lost sleep because of a toothless DCA that even came to my door. Life is to short to worry about this.

DX is top read though what he has said and you wont go wrong.

regards

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The list of excluded benefits on the reverse of the SLC deferment forms were to directly quote the forms.

 

Personal Independence Payment, Armed Forces Independence Payment, War pension, Long Term Incapacity Benefit, Short Term Incapacity Benefit (at the higher rate), Employment and Support Allowance

Severe Disablement Allowance, Disabled Persons Tax Credit, Industrial Injuries Benefit, Disability Living Allowance, Severe Disability Premium and Disability Premium are not taken into consideration when determining income level but MUST be stated.

 

Housing benefit is/was NOT exempted on the reverse of the forms, which means SLC should have taken it into consideration as income. In most cases unless they made a mistake, they did.

 

Take legal action and you will lose I'm afraid to say.

 

If the FOS ombudsman makes basic enquiries to SLC and/or Erudio, it's quite likely it will be shown to their satisfaction that HB should have been included as well.

 

I wish you luck, but I fear you are backing a losing horse here.

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