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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. 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. Can a PPC (claimant) 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. 
    • 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.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance Outstanding Debt


Kellylou32
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When hubby and I met almost 10 years ago I knew he came with a little baggage

which was in the shape of some outstanding debt he had relating to a property he'd had repossessed.

 

 

This included a £7k shortfall following the sale and an outstanding secured (against the house) loan with WFS

(from memory he seems to think it was around £8k)

 

We've had a few letters on and off over the time then a couple of CCJs during what was a very difficult time.

 

 

I know an attachment of earning order was set up and he was paying direct from his wages for about a year

during 2012/2013 maybe (I can't remember exactly) then he changed job and we failed to notify and have never heard anything since.

 

We are currently working with StepChange to get things resolved and upon checking the credit report TWO CCJs appear

- one for £46k issued March 2009

and one for £35k issued February 2009 both for WFS.

 

 

I've initially requested copies of the CCJs but don't have any clue what to do from here.

 

Thank you in advance

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Send welcome a SAR. For the debt to go from 7-8k to over 80k combines is astounding.

 

I really suggest you get that SAR off asap.

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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  • 1 month later...

I'm after a little advice please.

 

We have been working with StepChange to sort out our financial difficulties and they suggesting using Noddle to check out reports.

 

When we did so I noticed on my husbands, alongside a £20k WFS debt we were aware of, there was another large £45k debt we didn't know about.

 

I have been doing some investigating (I am waiting for copies of the original loan agreement to come through)

and it seems to be an agreement for a Secured Loan against a property.

 

Now although we know the property we NEVER lived there and it's not linked by family etc but the property is a Housing Association property.

 

So my immediate thoughts are why (if the debt does belong to my husband which it doesn't)

would WFS give him another £18k loan if he'd already knocked them

and they were successfully pursing him for that.

 

 

Also why would WFS give a secured personal loan against a Council/Housing Association property?

 

Any help or advice would be gratefully received

- obviously I've stalled a bit until I get the paperwork through from WFS

but I have no idea where to go from there.

 

 

Options are currently throttle hubby for lying to me or throttle someone for taking out a loan in his name and having to prove that was the case.

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There is a process to go through before a charging order

Has their been a ccj did you file a defence or was it a ccj by default?

 

Charging order on a council property

 

Something does not sound right

Subject access request sent to them would give you all the data they hold on the husband

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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two threads merged

 

 

one thread says you knew about the 2 CCJ's

 

 

the next says you didn't.

 

 

can we have the true story please.

 

 

I don't think the CCJ's or CO's will be in welcomes name?

 

 

I think they had gone down the pan by then?

 

 

its interesting to note

that welcome have removed 10'000's of CO's and CCJ from all registers now

so that's why I'm questioning what is actually going on here

and who owns the debts.

 

 

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 originally posted in December when we started this process and

 

 

I mentioned the 2 CCJs both relating to WFS I believed it to be a clerical errors

and that they were both in fact the same debt that had been accidentally duplicated somehow on his file (stupid perhaps yes).

 

 

I have been truthful thank you although maybe not clear so I apologise for that.

 

Naturally my post is an abridged version not containing a lot of personal information

and back story I felt was not relevant

 

 

however I can elaborate if it helps although I can't see how it would do.

 

In both documents (copies of CCJs from the Court the Claimant is named as Welcome Financial Services.

 

I believe there has been A LOT of stupidity on our behalf as to how we have not noticed this before

including the fact that payments have been made via an attachment of earnings order for the debt we believe not to be ours.

 

It would of been a CCJ by default.

 

I'm keen to know what the process is when applying for a secured personal loan?

what documentation has to be supplied?

 

As I said I'm a hold a bit until the copies of the loan agreement arrive but I guess I'm just looking for some help as to where I go from there.

 

I suppose there is always a small possibility hubby has been duplicitous and the loan is in fact him

but if it's not the onus will be on us to prove it wasn't him

and we haven't helped that situation by making payments

and corresponding because of being stupid

and assuming that the WFS debts were one in the same

and not checking reference numbers etc.

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ok well

what are the dates of the two CCJ's please

 

 

a

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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So theyll be unenforceable pretty much within the next 8 weeks.

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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to confirm

you have never paid anything against either CCJ?

 

 

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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re reading the thread

this sounds like fraud was committed in his name

if you never ever lived at the quoted addresses?

 

 

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

We have been making payments against the one we know is his and we are in an agreement for that one and that's not in question.

 

The questionable one we have (albeit very stupidly) made a few payments against it

when an Attachment of Earnings order was made

as we thought it was the other one

 

 

but no payments have been made on it since January 2011

and no-one has contacted us about it.

 

It is only me contacting WFS that has started it up against.

 

That's what we believe -

we think somebody (we think someone who is vaguely known to us)

has fraudulently taken out a loan in my husband's name.

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then theits fraud!! £45k - big fraud!!

 

 

ideally I'd say you NEED to go deal with it , actionfraud for starters.

 

 

why have you sat on this for so long amazes me.!! £45K!!

 

 

the other one

if you are happy with it

then it drops off your CRA files come march anyway

 

 

are you getting REGULAR STATEMENTS - ??

 

 

...........

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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Obviously as I said my stupidity amazes me also

 

We haven't been receiving statements. The one we are in an agreement with paying I don't fully understand how an £8k/£10k loan becomes £26k but I guess that's WFS interest rates.

 

The one I believe to be fraudulent we have not received any paperwork on for at least 4.5 years and until I contacted WFS on Friday they didn't even have our current address it was a previous address.

 

I spoke to Sharp, Young & Pearce on Friday to find out if they had any information relating to this case as I believed it was the same as the other one and they said it was two separate agreements. They had instruction to handle case but it had been closed since 2011. They gave me a number for WFS and told me to contact them which I did and then the rest followed.

 

The lady I spoke to at WFS said she could not tell me if photographic ID had been supplied at the time the loan was taken out but that it was a secured loan against an address which I know to be a housing association property.

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stay off the phone. This is now a serious matter and you need everything in writing.

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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well it wont be enforceable as your name will not be on the tenancy or deeds etc etc

incredible

 

 

how the hell can welcome allow a 2nd charge without checking house documents on a secured loan??

 

 

I suspect it totally unlawful/unenforceable and so is the CCJ.

 

 

......

it the other loan that worries me more

 

 

sar is a must

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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do an sar anyway

its gives you all info, not just the one account

 

 

you don't have to put account numbers but if you do

ensure it mentions and all other data /dealings etc

 

 

I think it does

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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