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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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claimant wanting unstay 2 claims from 2011? - letter from court - help


AxlR
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I currently have 3 credit card debts which have been defaulted and are now with DCA's

and have been paying them off to varying degrees for 5 ish years.

 

I'm in the position where I can offer reasonable full and final settlements,

so decided to send CCA requests to them all to hopefully help me with the negotiation.

 

None of them replied within the 30 days so I stopped paying.

I'm not trying to avoid paying, just negotiate a reasonable figure.

 

I've had a response back from DLC re an MBNA card I took out in November 2002 ( I have 2 with them).

This card is showing on my credit file as defaulted in June 2010 with a balance of £11239. The current balance is £6139.

 

They've actually sent me a CCA which is signed and dated by me from 2002.

The form is signed on the front and the terms on the back, it's a cheque book sized form.

 

They've also included what looks to be reconstituted terms which is 7 pages long but not signed.

 

The signed form seems to have all of the prescribed terms, so may have made my situation worse rather than better. I've ticked the "no PPI box".

 

My query is, the signed document states 15.9% APR but the other version states 23.9%, does this make any difference?

 

I haven't sent an SAR so don't know what I was charged..

 

They're obviously asking me how I intend to clear it, which I haven't responded to yet.

I'll try and pay the £25 per month I was paying before although they've got a stronger case now.

 

Any advice would be appreciated.

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Believe if its pre 2007, they need the inception T&Cs for the card... And i believe it must be the original too...

The site team should give you more info.

 

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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application form NOT a credit agreement ibet.

 

 

the t&C must be the right version for the date of inception

and have yu correct address for time of your card.

 

 

sounds just like what they do with CAP1 debts.

 

 

they get out their file of scanned T&C's

insert 'an' address in them

and fire them off with a copy of the application form

 

 

hoping the OP wont spot any mistakes.

 

 

that system DOES NOT satisfy a CCa request.

 

 

its abouttime the FCA/FOS did something about this dodgy practice

of trying to spoof people into these fake documents being 'real'

 

 

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, I've only just seen this reply. The document with my signature looks like the bottom section of a form.

 

It does say credit agreement across the top and where my signature is it says "This is a credit agreement regulated by the Consumer Credit Act 1974(?)"

 

Are you saying that it's not enough for them to enforce?

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doubtful.

 

 

I've moved you to the MBNA forum.

 

 

there are numerous threads here regarding the application forms and the correct T&C's that must be with them

for the application forum to be an actual agreement.

 

 

please scan up what you have received.

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

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ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

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- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

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2. HOW TO EDIT (Remove Personal Information)

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- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

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OR Go to one of the many free online pdf converter websites:

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PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

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- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

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- For Example: Default Notice DDicon-MM-YYYY.

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

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.

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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Reply from DLC attached as requested. The debt shows on my CRA as Hillesden but I've been dealing with DLC.

 

The address on the signed form is my old one, but the one on the terms is my existing one.

 

APR on the signed form is 15.9% but 23.9% on the terms.

 

Also, the default charges on the terms are £12 even though the original form is from 2002.

 

The enclosed terms clearly aren't those applicable at the time that I signed.

 

Any suggestions as what to do next gratefully received.

 

Thanks

Edited by dx100uk
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yep well spotted

 

 

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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you don't tip them off .

 

 

see what happens

 

 

let us know w hat the next threat-o-gram says.

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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  • 1 month later...

Reply to SARs from DLC re both accounts.

 

There's no information whatsoever from the original creditor (MBNA).

 

They say that they don't have copies of the default notices because they outsource them(?),

but have attached a copy of a template default letter and the data that would have been used to create them?

 

 

Both debts show on my CRA as originally being with MBNA, defaulted in 2010 and settled (one in 2010 and one in 2014)

and are now with Hillesden and are both showing as defaulted in 2010?

 

Can they show a default if they can't provide copies of the original default notices?

 

The statements of account only show information from when the debt was bought by DLC/ Hillesden

and again they haven't included anything at all from MBNA, with no mention of any more information to come.

 

Other than copies of the original application forms and copies of reconstituted terms,

they don't appear to have any other information from MBNA.

 

 

I assume that there will be overcharges to claim back re late payments etc.,

but they obviously can't provide that information.

 

 

Where do I stand now?

 

Grateful for any feedback please.

 

 

Thanks

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sar should always goto the OC

 

 

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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Unfortunately they are correct wrt default notices. They are outsourced and MBNA retain only the data not the document. Many of their default notices gave insufficient remedy time but you can't prove if you didn't keep them.

 

Even if you had, it may well have been of no consequence as court often deem this to be de minimis.

 

Get SAR to MBNA sent off asap. That should produce, amongst other things, statements to enable you to reclaim penalty charges.

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  • 1 month later...

I've had letters from DLC re both accounts. I haven't made a payment since I started this process. They're threatening to proceed with a court claim that they originally started in September 2011 but was stayed because I re-set up a regular payment. They're quoting the original claim numbers.

 

Any feedback as to how likely this will be? Can it be stayed this long, or would they need to start again?

 

As above they don't have the original terms, only the applications and reconstituted terms.

 

Thanks in advance.

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Also, I've had my SAR back from MBNA.

 

I've calculated that, going back 6 years, I've been charged a total of £5821 in late fees and "Finance Charges". I think the finance charges may be interest, so I'm not sure they're reclaimable? With 8% applied, it comes to £8975.

 

Can someone advise as to what, how far back and how I can claim back penalty charges please.?

 

Thanks again

Edited by AxlR
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you use their int rate and the CIsheet

put their int rate in cell d15

 

 

put in those outside of 6yrs

cant hurt

you cant input their finance charges [interest]

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've had letters from DLC re both accounts. I haven't made a payment since I started this process. They're threatening to proceed with a court claim that they originally started in September 2011 but was stayed because I re-set up a regular payment. They're quoting the original claim numbers.

 

Any feedback as to how likely this will be? Can it be stayed this long, or would they need to start again?

 

As above they don't have the original terms, only the applications and reconstituted terms.

 

Thanks in advance.

 

 

so theres an old court case you didn't tell us about?

 

 

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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Not really. I missed a payment because I was away and when I got back claim papers had been sent. I made the payment straight away plus costs and they stopped the claim, that's as far as it went.

 

They're making out as though it's stayed, although I'm not sure what the official status with the court is.

 

Thanks again for the input

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Done that. There are 2 claims from September 2011.

 

 

The claims are stayed because there's been no activity,

 

 

I thought they were closed to be honest.

 

There's been nothing submitted by Hillesden, so they would need to apply to have both claims unstayed (if that's the word) give their reasons why and pay a fee.

 

They're saying they've abided by my s78 request.

 

 

I don't believe they have provided the original credit agreements,

 

 

just application forms with reconstituted terms.

 

Any suggestions welcome.

 

Thanks

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ok that's great

 

 

until/unless they supply an enforceable agreement

and pay to lift the stay

 

 

and the court writes to tell you so

IMHO you ignore them

 

 

willy waving!

 

 

 

 

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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