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    • 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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Motormile & Pounds Till Payday


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e-mail it and ask for confirmation of receipt.

OK forget the CCA request and just e-mail the 1st part.

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I didn't know, and am amazed that they can default you and not tell anyone about it. Especially considering the first thing I've heard of this from either the original creditor or mmf is the email that I started this thread with that I only just received

 

 

 

They shouldn't do, it goes against FCA, ICO and CSA guidance, its extremely bad practice. BUT this is guidance, NOT law and is ultimately unenforceable.

 

 

They only need to issue a default notice under the CCA if they intend to enforce the debt through the courts. Reporting a defaulted account to the CRA's is not enforcement. The CRAs consider a 'defaulted account' to be one where the contractual relationship has irrevocably broken down and give several examples of what constitutes this, passing an account or selling an account to a DCA is one of these.

 

 

Legal default and recording defaulted accounts to CRAs are not the same thing and the criteria is very different for each.

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Does anyone know if you report a card as lost/stolen, will that cancel any Continuous Payment Authorities on my bank account? If not, who do I speak to at Natwest to cancel?

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Nope. The CPA is tied to the account. NOT the card. You need to specifically cancel the CPA direct with your bank. be warned, a lot of banks try and ignore the law so you need to stand your ground.

 

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

http://www.fsa.gov.uk/pubs/consumer_info/know_your_rights_payments.pdf

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?395493-Been-refused-cpa-cancellation-since-nov-2009-Go-get-your-money-back-now!!

  • Confused 1

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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Does anyone know if you report a card as lost/stolen, will that cancel any Continuous Payment Authorities on my bank account? If not, who do I speak to at Natwest to cancel?

Unfortunately im most cases this will not work as the Card is linked to the same account number and many automated systems will make the link to the account from a new Card.

Go into the local branch insist on seein a senior staff member , tell them the Card and account are compromised get both changed.

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  • 2 months later...

Hi Guys,

 

Just thought i'd follow up with this - The Default has been removed from my credit file :-)

 

As was previously mentioned, i'm now going after them for the other default notice which i said at the time was for conga, but it was actually for another payday **** company. I've sent them multiple emails and they are now completely ignoring me - maybe i have them on the back foot?

 

Either way, thanks guys :-)

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Hi Guys,

 

Just thought i'd follow up with this - The Default has been removed from my credit file :-)

 

As was previously mentioned, i'm now going after them for the other default notice which i said at the time was for conga, but it was actually for another payday **** company. I've sent them multiple emails and they are now completely ignoring me - maybe i have them on the back foot?

 

Either way, thanks guys :-)

 

 

 

 

Good result!!

 

 

e-mails to MMF are more often ignored than not.

 

 

Make written Formal Complaints ( which must be investigated and replied to within 56 days) address to Mr Neil Petty the MD and use signed for post.

 

 

Then put all the incorrect data in a complaint to the ICO.

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!

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is there an email address for this guy? i'm in australia and post isn't really an option

The principals of MMF all seem to use name@mmf .co.uk.

 

 

You could still follow up with a letter.

Do you have anyone in the UK who could post a letter for you?

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:

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  • 4 months later...
Hi Guys,

 

Just thought i'd follow up with this - The Default has been removed from my credit file :-)

 

As was previously mentioned, i'm now going after them for the other default notice which i said at the time was for conga, but it was actually for another payday **** company. I've sent them multiple emails and they are now completely ignoring me - maybe i have them on the back foot?

 

Either way, thanks guys :-)

 

Hi Disco Dave, I've been looking through this forum because I have been unfortunate enough to receive the exact same letter from MMF stating I owe money from a Pounds Till Payday loan. The dates on my letter are exactly the same as yours and I never once had any corespondance from PTP in over 5 years!! I too sent MMF the letter drafted by BRIGADIER2JCS as well at the £1 fee and got a response saying they aim to deal with this within 4 weeks, and they would be in touch if more time was needed. Over 5 weeks on I've heard nothing, and this default put on by MMF is still on my credit file.Did they ever get back to you or did the default just disappear with no communication?Regards.

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would better to start a new thread

 

 

of your own

 

 

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 Disco Dave, I've been looking through this forum because I have been unfortunate enough to receive the exact same letter from MMF stating I owe money from a Pounds Till Payday loan. The dates on my letter are exactly the same as yours and I never once had any corespondance from PTP in over 5 years!! I too sent MMF the letter drafted by BRIGADIER2JCS as well at the £1 fee and got a response saying they aim to deal with this within 4 weeks, and they would be in touch if more time was needed. Over 5 weeks on I've heard nothing, and this default put on by MMF is still on my credit file.Did they ever get back to you or did the default just disappear with no communication?Regards.

 

Hey,

 

As far as I remember, I got an email from them statig that they were going to remove the default as the original creditor didn't have any record of it, they stated that they could then place a default on themselves at a later date as they now own the debt (not sure if they can or not as I have never entered in to an agreement directly with them) but it would be after 6 months of non payment.

 

I was dealing with them through emails, so maybe you will get a letter?

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  • 2 weeks later...
Hey,

 

As far as I remember, I got an email from them statig that they were going to remove the default as the original creditor didn't have any record of it, they stated that they could then place a default on themselves at a later date as they now own the debt (not sure if they can or not as I have never entered in to an agreement directly with them) but it would be after 6 months of non payment.

 

I was dealing with them through emails, so maybe you will get a letter?

 

Hi DiscoDav, Thanks for that.

 

 

I just got a letter from them yesterday, stating this was their final response.

It was passed the 4 weeks they said the would respond and for some reason they said they were responding to an email I sent them,

I've never emailed them in my life!

 

 

I asked them for a true copy of the signed and executed agreement for the alleged debt

and current statement of the account along with all other related documents.

I also included a £1 postal order to cover the costs.

 

 

All they sent me through was the loan agreement dated 3/09/2009,

the default on my credit file is dated on the 26/09/14

(i wasnt aware a default can show on your file after 23 days).

 

 

The thing I'm most annoyed at is as I was getting a mortgage 3 years ago

I referenced my credit file to ensure I was all ok.

Everything was and I got my mortgage but

 

 

ow I'm looking to remortgage and I'm afraid I wont be able to as this Default has just appeared after 5 years

with no warning or no communication.

 

 

I spoke to the Ombudsman and they said they would find it hard to deal with this

because the head office for Pounds till Payday is in Malta and out with their jurisdiction.

 

 

I'm looking to know from anyone out there,

 

 

Can MMF slap me with a default after 5 years of no communication at all from the original creditor?

Is there anything else I can do?

Or do I just pay the amount and wait till the defaut becomes statute barred in September

which I really dont want to do.

 

 

Also Is it true that a debt becomes unenforceable after 5 years in Scotland?

 

 

Regards,Gavanj. P.s.

 

 

They had the cheek to send me back the postal order I sent them,

which is now useless as it is addressed to them, as a good will gesture.

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Hey,

 

As far as I remember, I got an email from them statig that they were going to remove the default as the original creditor didn't have any record of it, they stated that they could then place a default on themselves at a later date as they now own the debt (not sure if they can or not as I have never entered in to an agreement directly with them) but it would be after 6 months of non payment.

 

I was dealing with them through emails, so maybe you will get a letter?

 

Nope. Only the oc can add adefault. Mmf cannot touch the file unless the oc has already got something on there.

 

Would be nice if you still have that email where they say they are allowed.

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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ICO is your target if they've messed with your file wrongly

 

 

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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Nope. Only the oc can add adefault. Mmf cannot touch the file unless the oc has already got something on there.

 

Would be nice if you still have that email where they say they are allowed.

 

Thanks. Thats another thing. The OC is not even mentioned on my credit file let alone a default from them. MMF have slapped me with one from 25/09/2009 when the supposed loan was still owned by the OC!

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I also think it's extremely sneaky of them sending out a 'final response' letter that actually missed 90% of what I asked them to look at and provide. Obviously a tactic they deploy in the hope you send the ombudsman this letter hiding the main facts. I have reported this issue to the ombudsman already and sent in copies off all correspondance so they will see they didn't address the issues I raised , their letters are so inconsistent and mixed up. I will contact the FCA, ICO and CSA today also. I need to get this sorted sooner rather than later.

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if you can prove that the OC did not issue a default then

should be easy pickings to get it removed

 

 

MMF cannot default your CRA files

 

 

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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