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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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Tesco mobile have sold debt to Lowell


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Hello,

 

In 2011 I went on holiday to Egypt.

 

The bill came in at over £4 per MB.

 

I spoke to Tesco and we agreed a different figure than the £400+ that the originally wanted.

 

I also got my pac code as I was out of contract, asking them to send me a revised bill. Which they never did.

 

Since then I've had a couple of different collectors send me letter

but they've pretty much always gone away when I asked them to 'prove it'

 

I've now had a letter from Lowell who inform me they have bought the debt

and that I should now deal with them.

 

They've told me Tesco Defaulted me and that this would not transfer to them.

 

I've checked my Credit file and it shows that Tesco but four late payments in 2011 and then a default.

 

However it shows this account as settled in Feb 2014 with nothing in-between.

 

They've informed me, time and time again that I need to pay this it'll affect my credit rating,

is this correct if the original account is showing as settled,

 

can they just open a new one on my report and default that?

 

Is the best thing to do send them another prove it letter?

 

Any advice is appreciated.

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its normal for the original creditor to show £0 & settled when they sell a debt on.

and the debt buyer enters their own account on the cra file.

 

the default and the late payments will be harming you yes.

 

I hope you are not speaking to them on the phone.

 

as for paying it

 

if Tesco sold the debt

 

it typically indicates there IS something wrong.

 

as they are not confident enough to do court.

 

you need to sort this with tescos first

 

p'haps an sar?

 

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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And Tesco don't have the account any more? What's the point in speaking to them, i don't understand?

 

So as to ascertain why they sold it on.

 

Send them a SAR (enclose £10 fee)

 

As for lowlifes, they absolutely love mobile debts as they incorrectly think they can't be argued against.

 

You need to see exactly what charges Tesco have applied to the account, you can then either remove them yourself off the total balance OR argue the case with Tesco and have them remove them that way.

 

A simple 'prove it' or rather a 'disputed' letter to Lowlifes is all that is needed, then ignore them until you receive the SAR.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you need to sar Tesco.

 

if you wish you could inform lowlife the balance is in dispute with tescos..

 

and you are investigating

 

you could in corp the two yes in a prove it letter

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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the plan is to SAR Tesco mobile,

 

and also to let lowells know that I'm disputing it?

 

They're saying they now own it.

 

Does that not mean my argument is with them and not Tesco?

 

What I don't want them doing is ruining my credit file while I deal with Tesco, will this stop that?

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its already ruined by tescos

too late to do anything about it.

 

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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green library tab top left

 

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 your own words really,

 

Dear Bill&Ben,

 

NO DEBT IS ACKNOWLEDGED TO YOU OR YOUR CLIENT.

 

I refer to your latest letter dated dd/mm/yyyy the contents of which are noted.

 

This account is subject to dispute between the creditor and myself, as such no further correspondence will be entered into with you.

It will be in your interest to return this to Tesco.

 

This matter is closed until such time the dispute has been rectified with Tesco.

 

Regards.

[PRINT NAME]

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They pass these things round like pass the parcel, if it isn't in their financial interests to pursue it, then they will flog it back to them.

 

Forget lowlifes, your issue is with Tesco, they need to take responsibility for their actions.

If you had an agreement with them and they then flogged it on then that is there lookout.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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doesn't matter

 

if you have a defaulted date in the summary line

 

then theres no more harm can be done

whatever they put on there

that will kill you till the default reaches its 6th birthday.

 

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 Guy's,

 

I heard back from Tesco mobile.

 

They returned the postal order I sent them and have given me a form to fill in to 'confirm ownership' and prove I am the account holder.

They are asking for...

 

Who is the Data Subject (addy, phone etc)

 

Am I the Data subject

 

What documents I must send or produce to confirm the data subjects identity

 

one of the following

 

  • Copy of the purchase receipt of your sim card
  • 3 months of printed copies of your bill printed from your online account (1st page overview only)
  • copy of bank statements with the last 3 months billing from Tesco mobile
  • The actual SIM card (if sent this must be sen recorded delivery)

Then is says

'Our search for information relating to the data subject will be based on the information provided below

Please let us know the information you require.

 

Then it's asking for my signature, to confirm I am the data holder and also a postal order made out to Tesco mobile,

which is frustrating as I sent an uncrossed one.

 

To be honest, I thought I'd already asked for what I wanted which was all data they hold on me.

 

I do not have anything that they ask for

as I cannot log into the account and

 

am hesitant too even if I could

as do not want to be seen to be acknowledging that I even have an account.

 

the contract and all payments relating to it were made,

 

hence getting my PAC code it's the charges they are selling off to the highest bidder.

 

Are they just messing about now?

 

If anyone has any advice on what I can send back I'd appreciate it.

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cant see why acking the account makes any odds here

 

you should sign the sar

p'haps send them a current CTAX bill.

 

indicate you wish the info surrounding this

 

and include a copy of say lowlifes letter

 

and that you dispute the level of the debt

so need the info.

 

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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give them their silly form

 

and send another sar letter too

 

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

  • 4 weeks later...

UPDATE

 

I've had letters from Lowells saying they are suspending collection and speaking to Tesco.

 

Tesco have replied today to say that their form completed and my Passport wasn't enough for them to process my request as I have not provided the proof of ownership that they require, which is required to comply with the data protection act.

 

The only acceptable proof of ownership they can accept is

 

one of the following

 

- copy of the purchase receipt of your sim card

- 3 months printed copies of your bill printed from your online account

- copy of bank statements with the last three months billing from Tesco mobile

- The actual sim card

 

Is this just something they've made up because i've told them the sim was binned when the contract ended in 2011, the statements of either the account of the bank account are unavailable. However, I have cleared out my office in between all this and found the contract, and receipt. It is a receipt for the phone which was a 32GB iPhone back in 2010. Do you think that will cover the receipt side of things?

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UPDATE

 

I've had letters from Lowells saying they are suspending collection and speaking to Tesco.

 

Tesco have replied today to say that their form completed and my Passport wasn't enough for them to process my request as I have not provided the proof of ownership that they require, which is required to comply with the data protection act.

 

The only acceptable proof of ownership they can accept is

 

one of the following

 

- copy of the purchase receipt of your sim card

- 3 months printed copies of your bill printed from your online account

- copy of bank statements with the last three months billing from Tesco mobile

- The actual sim card

 

Is this just something they've made up because i've told them the sim was binned when the contract ended in 2011, the statements of either the account of the bank account are unavailable. However, I have cleared out my office in between all this and found the contract, and receipt. It is a receipt for the phone which was a 32GB iPhone back in 2010. Do you think that will cover the receipt side of things?

You can only try.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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