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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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Ding Ding... Round 5, MKDP/Barclaycard/Goldfish/MSDW v Spam.


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Hello out there to anyone who can help. I currently have a thread running in legal issues

http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt.html

and as the advice I've been given has made me lift my head out of the sand a little more I thought I'd try and tackle my issues with Barclaycard.

 

I had accounts with Goldfish and Morgan Stanley(probably around 7-10 years old) which unfortunately ran into difficulty. I arranged payments with both these accounts on an interest free basis and all was running smoothly. Since last year Barclaycard have take over both the accounts and I believe they are going to try and railroad me. They've already started to charge interest on the accounts (which I have had to get refunded)despite my arrangements and are starting to prove troublesome.

Is it worth trying the account(s) in dispute tactic and sending SARs etc to see what they hold on me and if they have the CA's on these accounts bearing in mind the age of them.

I've never trusted Barclaycard and previous accounts I have had with them I have settled. I did not choose them as my creditors and I would love to get them off my back if I can.

Any suggestions where I might start?

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They say money talks......mine just keeps saying "Goodbye"

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Hi Spam,

 

A CCA request to BC is usually a waste of time - they'll only send back general T&C's. However, as yours is a taken-over MSDW/GF account, I'd take a chance and send the CCA request and the £1 fee anyway.

 

Peeps are trying the CPR approach with BC but it's too early to tell if this will be any more successful. Read about this in Link No2 in my signature below.

 

Early signs are that BC still won't send a Credit Agreement in response to initial CPR requests. Leave this for now.

 

If there have been any penalty charges on the a/c in the last 6 years, you can reclaim all the charges. If you don't have all the necessary statements, send BC a SAR with the £10 fee. :)

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Thanks for that Slick. I will send a CCA request and see what doesn't turn up.:p

As for penalty charges, I really have no idea how much ,what, where and when or if, but after a decent interval I'll send sars and see if I can find out.

Cheers for now:)

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Thanks for that Slick. I will send a CCA request and see what doesn't turn up.:p

As for penalty charges, I really have no idea how much ,what, where and when or if, but after a decent interval I'll send sars and see if I can find out.

Cheers for now:)

 

Hi Spamalot, I'm in the same boat almost... took out MSDW card in 1999.

 

I've CCA'd them and got t&c

Sar'ed them and got exactly 6 years to the month:D statements back

 

I've CPR'd them twice and got nothing, just waiting for the live case thats with barclaysharks at the end of the month to see whether I put in a N244 request for disclosure of document.

 

S.

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Thanks for that S.

I think I'm going to have a serious uphill struggle.....My Goldfish Card was originally with HFC and my MSDW card was ,as far as I am aware, originally with MSDW and I am almost sure they are both around 10 yrs old...over the past few years they have both been 'taken over' a few times and have now ended up with Barclaysharks. So I have two accounts with one of the most despicable banks in the world!!!!.

I will fight the good fight until I am so much trouble they either give up or pass me on...:p Any help you can give I will be eternally grateful.

CCA requests for both accounts are ready and waiting until I can get to the post office...(at least I can save a couple of bob on postage cos they can go in the same envelope;))

Cheers, Spam

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Send the SAR as soon as you want but keep it as a separate letter, so you don't confuse them. £10 fee to go with it too.

 

:)

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Thanks again....intend to send postal orders for payments of SAR,s etc. Any idea who it should be payable to....I know what fusspots they are;)...should it be Barclaycard or Barclays Bank Plc?

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Thanks again....intend to send postal orders for payments of SAR,s etc. Any idea who it should be payable to....I know what fusspots they are;)...should it be Barclaycard or Barclays Bank Plc?

 

I left mine blank but ensured the post office crossed the cheque, not sure if its the right way to do it but they accepted them ok.

 

S.

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Barclays Bank PLC

 

:)

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  • 1 month later...

Hello there barclayshark lovers,

Been a bit preoccupied with my other thread recently so this has sat on the back burner a bit. :(

Anyway, I have had no reply whatsoever regarding my CA requests of 18th April and would like some advice as to where to go from here.

 

I intend to send off SAR this weekend.....but as it is two seperate accounts do I need to send two requests? I ask because despite the accounts originally being with two seperate banks they are both now with Barclaycard and as I am requesting ALL data they hold on me I assume/ hope it should cover both accounts.

 

Also, as I have not received a reply from them re CA requests, is this where I send the account in dispute letter and withold payment until they prove it exists?

 

Sorry to be a pain but my other thread is already at the legal stage so I'm fighting this one from the other direction so to speak.

 

All advice greatly appreciated.

Thanks. :)

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As the 2 a/c's are now with BC, 1 SAR should suffice.

 

Make sure you quote both a/c nos. though.

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As the 2 a/c's are now with BC, 1 SAR should suffice.

 

Make sure you quote both a/c nos. though.

 

Thanks slick, will get on to that today.

 

With regards to the 'Account in Dispute' letter, I have been looking around for a template and have nicked the one from http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html

 

 

 

My problem is, the agreement(s) I signed were not actually with Barclaysharks so is it ok to alter the letter as below, or do I need a whole new template altogether?

 

 

'You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company (should I put the Name of Original Creditors here? )and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.'

Thanks for looking.

Cheers Spam

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Hi Spammy,

 

Yes, I'd alter the letter to say:-

 

"....signed by both the original creditor, Goldfish (or whoever), and myself....."

 

:)

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Thanks again Slick, ;)

 

Just an update. I have my SAR ready and waiting along with my acconts in dispute letter and will be putting them in the post today with this covering letter;

 

Dear Sir/Madam,

 

Please find enclosed copies of my letters dated 18.4.09 requesting true copies of the credit agreements for the above accounts.

 

Also,

 

A subject access request for the above accounts, together with a £10 postal order in respect of the maximum fee for this request.

 

And

 

A letter informing you that these accounts are now in dispute.

 

Please be advised that whilst these accounts are in dispute I will only be making token payments towards them as a measure of goodwill, and you must withhold charges and interest, therefore it is in your own interest to supply me with the documents requested as soon as possible to resolve the matter.

 

DO NOT ATTEMPT TO CONTACT ME BY TELEPHONE REGARDING THESE ACCOUNTS.

 

DO NOT PASS MY DETAILS ON TO ANY COLLECTION AGENCIES.

 

I look forward to your speedy reply.

 

 

Yours Faithfully,

 

 

Guess I'd better go and unplug my phone now. :D

Edited by Spamalot

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  • 2 weeks later...

Hello all.

 

Mini Update. :)

 

Today I have received a copy of my MSDW application form from Oct 1999 and the usual dismissive covering letter saying they have completed their obligation etc. yah de yah de Yah. :rolleyes:

 

Did make me chuckle though when they said that as my 'account is now in a recovery programme further information should be obtained from the recovery team' Makes it sound like it's some kind of alcoholic. :D

 

Oh well, lets see what the SAR drags up. :)

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Hello all.

 

Mini Update. :)

 

Today I have received a copy of my MSDW application form from Oct 1999 and the usual dismissive covering letter saying they have completed their obligation etc. yah de yah de Yah. :rolleyes:

 

Did make me chuckle though when they said that as my 'account is now in a recovery programme further information should be obtained from the recovery team' Makes it sound like it's some kind of alcoholic. :D

 

Oh well, lets see what the SAR drags up. :)

 

I'm jealous :-(

 

How bad is the copy?

 

S.

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I'm jealous :-(

 

How bad is the copy?

 

S.

 

Hi S.

 

Difficult to say:-|

 

I will try and scan a copy of it and post it via photobucket but to be honest it's tiny writing and I think if I mask the ID details I may obliterate it altogether!

 

Be back soon. :D

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Well here it is!

 

MSDWApplication.jpg picture by Spamalot_bucket - Photobucket

 

It does actually look better than that in the flesh. :D

 

I will see if I can improve the image in some way.

 

Thanks, Spam :)

 

Its far too small to read but those t&c at the bottom dont look right... why are they not subject to the same blurring thats occurred in the text in the app above?

 

Have to say thats the clearest copy I've seen of an MSDW app from pre2000 yet :-(

 

S.

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Its far too small to read but those t&c at the bottom dont look right... why are they not subject to the same blurring thats occurred in the text in the app above?

 

Have to say thats the clearest copy I've seen of an MSDW app from pre2000 yet :-(

 

S.

 

Re the T&C's,on the copy that I have it looks very similar to the rest of the form so it's hard to tell whether they were on the back or just appeared from nowhere!:-|

 

I'm going on the assumption that as this is an application form it isn't an enforceable agreement and therefore they haven't fullfilled their obligations quite yet. :rolleyes:

 

But I am quite happy to be corrected if somone out there wishes to contradict.

 

I will carry on regardless if only to annoy BS because I despise them so much!

 

Spam. :)

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I'm not sure if this scan is a bit better than the last one, I played around on 'paint' a bit to see if I could make it more legible.

 

Msdw app picture by Spamalot_bucket - Photobucket

 

Has anyone else received one of these before and taken things further?

 

I am sure I read somewhere that this was in fact MSDW's idea of an agreement at the time and their paperwork wasn't up to scratch so they sold off all the accounts but I can't remember where I read it...

 

Any Ideas?

 

Probably just a dream. :roll:

 

Cheers, Spam :)

Edited by Spamalot

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Bumpity Bump..

 

Any advice on what to do with this MSDW application form.... It's impossible to read and I refuse to go out and buy a magnifying glass!

 

Seriously... Is this what can be construed as a legible copy of an agreement or can I tell them to go and boil their heads and come up with something better!

 

Spam. :)

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Hi Spammy,

 

I'll come back with me proper specs and take a better look.

 

In the meantime, here's Steven's fabbo guide to credit agreements - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements.html

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Nah !!

 

Can't make out the T&C's even with specs, which brings the document into question on the grounds of legibility.

 

I'll ask for expert opinion on this. :)

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