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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Tracey284 -v- HSBC


Guest Tracey284
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because no one has posted on it for the last 6258 days.

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Please click the "Report " link

 

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Guest Tracey284

I thought that it was time I started a new thread with regard to my ongoing battle with HSBC so that I may get some advice from anyone out there who can help.

 

So.......a brief sypnosis....

 

Back in August I requested bank statements for both my husband's business account and our joint account. I have not, as yet, progressed with my husband's business account as this appears to be over £12k plus interest.

 

11 August they sent my cheque back and said they would supply statements free of charge.

 

Statements arrived at various stages and eventually in triplicate!!!!

 

I sent the preliminary request for repayment of charges on 2 and a reminder on 20 September and on 28 September they replied stating they did not agree, etc., etc.

 

I filed the MCOL for £5,912.80 plus interest of £1,561.15 (which is currently increasing on a daily basis) on 5 October and they served an acknowledgement giving them until 8 November to defend or pay up.

 

Needless to say, at the eleventh hour, they put in a defence on 6 November and that is where I am up to. I haven't received the hard copy from the Court as yet, but I became aware of this when checking with MCOL.

 

I would be really grateful for any help, guidance and templates to reply to the defence and also to hear if anyone has reached this stage and what happens next.

 

Thanks in advance.:o

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Hi Tracey

 

You may not need anything further as they have been known to give up at the last minute, however, once you do receive their defence, add it to your post and we can advise further. Better to be prepared.

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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Guest Tracey284

Okay, so here it is. The defence arrived today and I quote as follows:

 

Defence

 

1. The Claimant's account is governed by the Defendent's personal banking terms and conditions.

 

2. Pursuant to the Defendant?s terms and conditions the Defendant is entitled to make a charge for its services as set out in the Defendant's price list.

 

3. It is denied that the fees charged for the services provided amount to a penalty or liquidated damages clause. The fees are an agreed price for a service providedby the Defendant.

 

 

This is the defence that HSBC have entered. I now have to fill in the allocation questionnaire. Some guidance on filling this in and answering to their defence would be very much appreciated.

 

By the way, the spelling mistake in point 2. (Defendant?s) is not my typing, this is how it actually appeared on the Court document!

 

Thanks again in advance :o

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Okay, so here it is. The defence arrived today and I quote as follows:

 

Defence

 

1. The Claimant's account is governed by the Defendent's personal banking terms and conditions.

 

2. Pursuant to the Defendant?s terms and conditions the Defendant is entitled to make a charge for its services as set out in the Defendant's price list.

 

3. It is denied that the fees charged for the services provided amount to a penalty or liquidated damages clause. The fees are an agreed price for a service providedby the Defendant.

 

:o

well, they are going to say this aren't they!

Dont worry, this is a standard defence.

You cannot enforce an agreement that is not accoring to English law, so that blows out 1 and 2, as the fees are unlawful. Do they really believe that a judge will agree that a charge is for a service, as it is a service to bounce a cheque or return a direct debit? This is the usual twaddle, just push on and get your money back!

 

see http://www.consumeractiongroup.co.uk/forum/showpost.php?p=334177&postcount=40

 

take a look at

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=11644

regarding filling in the AQ.

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well, they are going to say this aren't they!

Dont worry, this is a standard defence.

You cannot enforce an agreement that is not accoring to English law, so that blows out 1 and 2, as the fees are unlawful. Do they really believe that a judge will agree that a charge is for a service, as it is a service to bounce a cheque or return a direct debit? This is the usual twaddle, just push on and get your money back!

 

see http://www.consumeractiongroup.co.uk/forum/showpost.php?p=334177&postcount=40

 

take a look at

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=11644

regarding filling in the AQ.

 

deffinately good advice.

Then you can tackle the business account which you should not be nervous about either regardless of amount. It has taken me a while to get over big figures but once you do and you get this one under your belt it will be a stroll in the park.

Especially with all the support you get from people like HSBCrusher.

Goodluck x

17th august 06-claimed back 725.00 from HSBC in full (personal account)

28th august -just added up over 19,000 in business charges with husbands HSBC account! ABOUT TO START PROCESS OF RECLAIMING MONIES.

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Guest Tracey284

Was about to fill in Allocation Questionnaire look for help in completing it, but today, when I arrived home, there was another letter from DG Solicitors offering around £6,500 as an ex gratia payment but that I must keep it strictly confidential. I really think I should accept this but would ask for comments please. My claim was originally £5,912.80 plus interest and I have had costs of £250 to date. I still believe I will be "quids in" and have to forget the interest.

 

Grateful to receive any comments/advice.

 

Thanks

 

Tracey284 x

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  • 3 months later...
Guest Tracey284

Hi and thanks for your interest. I rejected their offer and the full repayment came shortly after. I am now after them for my husband's business account which we have come to an agreement with. See Tracey284 v HSBC Round 2. Are you after HSBC?

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