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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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Sainsburys have no record of Credit Card we've been paying them on..


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The SAR is a request for data, not for statements. Do NOT ask BC for statements as they could charge a small fortune.

 

Wait for the SAR reply and keep us posted. Hopefully, that will tell you more when you've been through it with a fine-toothed comb.

 

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Got to love online banking.

 

 

I've had time to sit and go through stuff.

 

 

So far I've gone back to sept 2006, monthly payments made consistently, occasional late one but collected at a later date.

 

Between July 07 and Aug 07 the payments went from saying visa to saying m/card?????

 

 

Could that have anything to do with it?

 

 

The payment reference changed also

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mastercard?

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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Did YH maybe do a balance transfer to get a better rate on the Mastercard a/c.

 

This should result in lower or no interest for 6 to 15 months so the monthly payments would maybe go down after such a transfer ??

 

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  • 2 weeks later...
Did YH maybe do a balance transfer to get a better rate on the Mastercard a/c.

 

This should result in lower or no interest for 6 to 15 months so the monthly payments would maybe go down after such a transfer ??

 

:-)

 

Thanks, no change by us to a mc I'm presuming the bank swapped from visa to master as a business????

 

I've had a reply from hbos saying they can't verify the requested info and require "further information such as DOB"

 

Apart from DOB what else is there to send??? They already have name, address and account number.

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Thanks, no change by us to a mc I'm presuming the bank swapped from visa to master as a business????

 

I've had a reply from hbos saying they can't verify the requested info and require "further information such as DOB"

 

Apart from DOB what else is there to send??? They already have name, address and account number.

 

Sorry, what cant they identify ? You , the account ? I would suggest asking them to clarify what they require, I would also be asking if this is an attempt at stalling ?

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Uploading documents to CAG ** Instructions **

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I am beginning to think this is a delay tactic.

 

"Unfortunately, I've been unable to verify the requested information using the details you've supplied. Therefore, I'd be grateful if you could provide me with further information such as date of birth."

 

They've returned the original SAR letter, asking me to post it back???

I thought I'd have a chuckle and give them a ring on the number they've supplied in the letter, their direct line number, the number doesn't work?????

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if you changed address since taking the card out

did you include a list of old addresses

and a copy of your latest CTAX bill with the sar

as the thread about it advises?

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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Hi SI,

 

It'll do no harm to mention that they now have just xx days to comply with your SAR, failing which they'll be reported to the ICO.

 

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they are entitled to gain sufficient information to ensure that they have the right person to match the data with.

 

 

To this end they may demand some proof of identity and it does stop the clock until you provide this.

 

You do have a good argument that they are also obliged to know their customer

so failing to identify you by the account details and name dob address

will not go down well when you make a complaint to the ICO after this is sorted.

 

 

But until that time comply with their request otherwise you wont get anywhere

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  • 4 weeks later...

So day 30 and still nothing to show for it.

 

While I'm sat twiddling my thumbs

is there anything I can do about the ppi claim??

If they don't send me anything how can I work out the amount that has been paid?

 

I spoke to a woman from Halifax who deals with the historical information (apparently all the way back to the 90's)

due to the DPA she couldn't tell me anything

but, managed to tell me she had a record of oh having ppi

and where to find the claim form.

 

 

No one has been able to tell me info about the ppi,

as in how much it was, was it a % etc.

 

I just want to be ready with the next steps while I'm waiting.

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According to my calcs, the 40 days are up on Weds, 2nd of March so a couple more days to wait.

 

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don't use their customer questionnaire

use the FOS one.

but you need the sar returm first mind!

 

 

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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Slick, I have been nice to them and stopped the clock when they requested more info. Took a while for my council to pull its finger out and send me 3 ctax bills with different spellings.

DX I was going to use the fos one, she was just trying to tell me things without being able to tell me anything (if that makes sense)

 

So I'm best just waiting and hoping they send something my way.

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If they fail to reply by the end of this week, you could make a complaint to the bank and/or to the ICO.

 

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In post #22, you said the SAR was sent off 21st Jan so I was working on 40 days from then.

 

In any event, a few extra days won't hurt but it's up to you if you want to complain promptly.

 

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  • 2 weeks later...

Well shocked, received a decent sized envelope from them today.

2 cca's (loan and cc) statement of account for loan and every single monthly statement for the cc.

Haven't had time to sit and pick it to bits yet but looking at a few there's still a balance on the cc.

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Take your time and go through all the data carefully before summarizing for us.

 

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Slowly trying to pull it to bits.

 

Can someone explain how interest (the amount added each month) is worked out.

 

There is clearly a time when the introductory offer finished and the interest went up.

 

There's then a period of time in 2009/10 where the amount of monthly interest added went up every month,

from £15 ish to a peak of £23.

 

Am I right in saying that as long as no new transactions are added to the balance

the interest amount should reduce each month, give or take a little bit for length of month??

 

One month because of the interest added the balance actually ended up being more than the opening balance?

 

I'm confused by the whole thing.

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Hi SI,

 

The interest each month could increase if you failed to make adequate monthly repayments that covered at least the last month's interest, as well as something to reduce the capital balance.

 

:-)

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