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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. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.

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JB Debt recovery chasing me for a debt to Thomson Local


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A debt colllection agency, namely J.B. Debt Recovery of Glasgow, are phoning me on a daily basis two or three times a day, including over the bank holiday.

 

The number comes up as 0800 288 9838. The strange thing is when I answer the phone nobody speaks, it's silent for a few seconds then goes dead (an audible "click" can be heard. Generally no big deal but I don't see the point.

 

The problem I have is that I'm self employed and divert my calls to my mobile during the day so it costs me upwards of 30p a time to recieve these calls, even if I don't answer them (the voicemail picks up the call so I pay anyway).

 

I have tried phoning them to discuss it and all they say is that "my number isn't on their system". At no point did they ask for my personal details, again strange because they are the company who are chasing me for a debt to Thomson Local.

 

Any suggestions, peeps?

I only mouth my opinion, please look elsewhere for sensible advice! :)

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That's a useful site and I've given you a rating for it.

 

However it wouldn't solve this particular problem as they already have my number. Have now reported them via the Ofcom site.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Got that, it doesn't work with all numbers though for some reason.

 

....which is a shame because I just got a call from another one, Cabot financial services. Withheld number, the woman asked me to confirm my name and address. I refused to do so because, as I told her I had no way of proving she was from Cabot.

 

Usual collection agency tactics, tried to nag me into giving the details. No chance. I also told her that I refuse to discuss anything over the phone anyway. She said that she would call back every single day. I warned her that I would report this to Ofcom but she said they were perfectly within their rights to do so.

 

Now I have given them two definate statements;

 

1. I refuse to discuss anything over the phone and have no intentions of doing so, and,

 

2. I have no way of confirming they are who they say they are.

 

So they are going to repeatedly phone me regardless of the fact that I have told them I won't discuss anything. Surely it is classed as intimidation?

I only mouth my opinion, please look elsewhere for sensible advice! :)

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I think the original problem is due to an auto-dialler. The computer rings you and when you pick up it tries to assign you to an operator but if there isn't one available it hangs up. This means that the DCAs staff are working but it pisses off their victime. Totally typical lack of concern for the people they are trying to pester.

 

The trick with Cabot is to write to them telling them that you won't speak to them on the phone and demanding that they remove your number. If you make it clear that you will complain to Trading Standards they will usually comply with your request.

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Re. J.B. I'm not sure about the autodialler. You can often hear "office" noises in the background and I heard on seperate occasions a cough and breathing from whoever was on the other end.

 

Got an autoreply from Ofcom tody via email:

 

"We do not investigate individual consumer complaints. However, we record and monitor complaint levels. If we identify an area of concern we may raise the matter with the management of the company directly."

 

 

Re. Cabot, I did tell them that I would report them, no call today. Ofcom were about as much use as a cat flap on a submarine.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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You can also try chucking the following sentence into any letter about calls you send them:

 

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

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Hi, you may find it useful to make them aware of their responsibilities under the Office Of Fair Trading Guidance that has been released regarding the practice of debt collecting. I have attached the link to the OFT publication below.

 

Hope this helps.

 

http://www.oft.gov.uk/NR/rdonlyres/9018331A-389E-487E-A1C2-2161AC53697C/0/oft611.pdf

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Kind regards

 

Sean Tyrer

http://myvesta.org.uk

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Good grief, had a brief look at that and most d.c.a.'s are guilty of breaches of most of what I've read. I think I'll just print out the lot and send the documnet to them as a whole!

 

Great info, many thanks; I know most of it's out there, it's finding the time to find and pursue it. This site is invaluable.

 

Rated.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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I think I'll just print out the lot and send the documnet to them as a whole!

 

Why waste your money printing 24 pages. Send em the link and let em print their own.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Just wondering, does this apply to bailiffs? E.G. private bailiffs employed by the council to collect unpaid parking fines or council tax (not bailiffs employed via the courts to collect unpaid criminal fines etc.)

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Hi seyelectric

 

i cnat open the link above so have added this anyway its off another thread

 

If you write to them telling them that you will only enter into correspondence with them through the post, if they phone you after that, they are in breach of the Wireless Teleghraphy Act 1949.

 

I used to work on a call centre that was automated dialer and it was a joke, the computer would think no answer after 4 rings would hang up, but it took a delayed time to hang up and most people get the sounds you hear and then get cut off. The operater may not know you ever answered.

 

Sheer disregared for peoples time and space.

 

BL

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Here's another one for you:

 

I am officially informing you that I will deal with you only in writing & any telephone calls from you will cause me significant alarm, harassment & distress & I will have no option than to seek an injunction against you under section 1 of the Harassment Act 1998.

 

You must get in the bit about it causing you "alarm, harassment & distress" then if they carry on calling you can go ahead & seek an injunction but it never gets that far in my experience, that line puts them straight off.

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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...."which is a shame because I just got a call from another one, Cabot financial services. Withheld number, the woman asked me to confirm my name and address. I refused to do so because, as I told her I had no way of proving she was from Cabot".

 

Cabot: There are a few threads re debt collection agencies and Cabot. Search on Cabot and you'll find them. JB are not like Cabot - they're worse! The Scottish DCA's have a particluarly aggressive way about them - nasty bu...ers, but the letters stop them as quoted in posts above. Read as much as you can about debt collection agencies because many people have had dire times with them and there are many people dealing with them. Candice has many threads, Seminole has answered many too. Once you know how to handle them from those who have had experience you'll find that you can keep them under control. There are also alot of technical areas which can help you negotiate outstanding amounts, ensure they have default notices, some have bought the debt from the original creditor ( bank/card co's) and the legal status re charges and interest is outlined. They buy the debt for about 12% of the value you owe, then they add interest on the whole lot - immoral! and you can get it back. Keep reading that's all I can say and you'll get justice.

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Many thanks for that; I have been collating information from various threads regarding Cabot and other organisations who are chasing me, and I'm posting as much for imformation and to share experiences as much as anything because no matter what they won't get anything from me.

 

I intend to write back to them today with information gleaned from your "Debt Collection Agencies" thread.

 

The interesting thing with Cabot is that they never refer to the fact that they bought the debt from anybody else, in this case Barclaycard.

 

Somebody is in big trouble though, because I have recently found out that both Cabot AND Barclaycard have the debt registered with Equifax as seperate debts and there is no way on earth I intend to let that go!

I only mouth my opinion, please look elsewhere for sensible advice! :)

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If you didn't get advice from Cabot that they purchased the debt don't pay them a penny! Ask them if they have the default notice there - they will never sue you anyway. Just make sure that Barclaycard actually sold it to them and they are not just ' collecting' as an agent of Barclaycard as some don't sell-on the debt. Egg are a bit like that - they don't /wont sell-on debt. Make sure of your facts first. And remember ( and please don't think I'm being mr rightious here) It is important to acknowledge that if we are in debt we owe it and should repay them. Advice we all gather here on this forum (me included) helps us get the injustices overturned and unlawful charges back, it might also empower us to be better negotiators in getting the debt down - that to me is just good plain business skills and I have negotiated some pretty hefty deals in my time ( got 60k knocked off a bank debt once( hard work but brilliant feeling!) and a £3500 card paid off for £650!) so I don't begrudge anyone getting debt down and clear, I just recall bankfodder killing someone previously for using the site to learn how to get away with debt and he's right.. ( spoilsport!)

 

Good luck anyway.

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I never pay DCA's anyway, I always tell them that I only deal directly with the original creditor, that usually stumps them!

 

I'm not trying to get out of what I rightfully owe - don't get me wrong, if I do it's a bonus - but that's not my aim, but if they had their way I would be paying both Cabot AND Barclaycard, and that's not going to happen. I'm pretty sure they have bought the debt and are not just acting for Barclaycard.

 

This debt is now some 4 years old btw and occured as a result of Barclaycard changing their T&Cs without informing me. What originally happened was that Barclaycard informed customers that they were scrapping the annual card fee but introducing an over-limit charge (illegal charges anyway?) at about the same time that my acount went over the limit.

 

I didn't receive a statement that month (the changes to the T&Cs were enclosed with that months statement apparently). To cut a long story short Barclaycard refused to cancel the over-limit charge and suspended my account so I refused to pay and thus suspended payments.

 

It was quiter amusing at one point, one department had told me the account had been closed and as such no longer existed so I insisted that they couldn't impose T&C's on an accountr that didn't exist! I'm a stubbord sod when I need to be!

 

Neither side would back down and Barclaycard took the decision to cease correspondence. I took the same line and that's where it stayed. They have used various DCA's over the years but I have taken the same stance that I will only deal with the original creditor and they took the decision to cease correspondence!

I only mouth my opinion, please look elsewhere for sensible advice! :)

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