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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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Hi all

 

I'm after some urgent help please.

 

My ex partner and I took out a secured loan with Paragon a few years ago to cover some debts we had.

Then we split up and I took over the loan so that I could keep the house.

 

 

Everything was going fine, even when I lost my job in 2011 as I walked straight into another one so could keep up the monthly repayments.

 

 

Then in Feb 2012 I lost my job and couldn't make the payments, so I was making token payments each month of £10 or £20 depending on savings against the monthly due of £156.

 

I applied for help from DWP with my mortgage and my loan and at first they said no to to the loan

but then agreed to make payments to the loan but only of about £11 a week.

 

I have been suffering from depression for about 2 years and battled alcoholism on and off for nearly 10 years.

I've also been receiving bereavement counselling following the death of my mum in Nov 2011.

 

At first I used to talk to Paragon on the phone and I regularly completed their income/expenditure forms

and they seemed ok but acknowledged that my debt was increasing.

 

Unfortunatley recently I've buried my head in the sand over it and ignored their calls as I got more and more depressed about applying for lots of jobs

and not getting an interview or getting to the interview stage feeling pretty confident but then getting turned down.

 

Last week they sent me a letter saying that they may pass my account to a their field agent to call from Excel Counselling Services..

.I know that this is just a posh word for a bailiff!

 

 

Today he knocked at my door whilst I was out getting electric put on my key card and he put a note through the door.

The letter doesn't mentioned the amount that is outstanding but I think it's around £2k.

His note is all friendly about we need to talk about it or he'll have to tell Paragon he's not talked to me and I could risk losing my home.

 

Can I send him the following letter?

 

Dear Sirs,

Re: Account reference Paragon Personal Finance Ltd................

 

I refer to your visit dated 18th February 2013 informing me that your company has been instructed by Paragon Personal Finance Ltd to visit me,

in respect of arrears on the above mentioned account.

 

The purpose of this letter is to advise your company that I believe that my circumstances

fall within the category as contained within the National Standards for Enforcement Agents of “vulnerable situations”.

 

The reason for this is that not only am I a person who has suffered a bereavementlink3.gif in the family

with the death of my mother in November 2011, for which I am receiving counselling for.

 

I am also currently unemployed having lost my job and am in receipt of benefits.

I am also receiving treatment from my GP for depression and alcohol dependency.

 

Accordingly, I would like to request that you do not visit my property again as this would cause undue stress and anxiety.

 

Instead, I would like to request that you return this case back to Paragon Personal Finance Ltd.

 

I would be grateful if your office could confirm safe receipt of this letter, and confirmation that the case has been returned to Paragon Personal Finance Ltd.

 

I am copying this letter to Paragon Personal Finance Ltd.

 

Yours Faithfully

 

I was also going to send the letter to Paragon, along with another income and expenditure form

and a cheque for about £20 with an offer to keep paying £10 a month by dd.

Is that ok?

Should I be doing something else?

 

He says in his letter he's going to come back so I was hoping to get the letter in the post to him today to stop him calling again

as my Dad is coming to see me tomorrow and I really dont want him to get dragged into this

and I've recently started seeing someone who I really like and I'd be really embarrassed if he turned up whilst he was here.

 

Please help, I'm now sat in tears as I'm scared that I fought my ex really hard to get the house

and stop him taking it over with the woman he left me for, and now i'm scared I'm going to end up homeless.

 

I hope this all makes sense.

 

thanks

Mary

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Firstly there field agent or door stepper is not a bailiff and has no such powers

You do not need to talk to him or her

 

Loosing your home would be a long way off they would have to go to court and is a long drawn out process

All communication with them should be in writing keep off the phone

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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  • 1 month later...

Hi all

 

Hope I've posted this in the right place.

 

My ex and I took out a Paragon secured loan a few years ago (before 2009) and we made the payment each month without fail.

 

 

My ex then left and Paragon happily transferred the loan to just my name as I was earning enough to cover it each month.

I then lost my job in Feb 2012, paid the minimum when I could.

The DWP are paying about £40 a month to them I should be paying £156 so each month is about £116 short.

This has racked up arrears of about £1,7000.

 

I must admit I kind of have ignored their phone calls as I know they want what I dont have.

I received a letter from a solcitor a week ago which I hadn't got around to posting about asking for help.

 

 

Today I get home from my work trail to find paperwork from Cheltenham Court...

.Paragaon have made a repossession order and I have to go to court on 16th May to argue why I should keep my home.

 

Please help me what can I do??

Is there anything I can do??

I can't lose my home as it's my everything.

I am trying to get a new job,

and have applied for a lot of them

but either dont get an interview or I dont get the job after inteview.

 

Is there anything I can do to stop the court action?

Up until recently I was on anti depressants and I really dont want to end up back on them and homeless.

 

Please I'm really panicking now that I'm going to have to tell my Dad that I'm in such a mess and in debt etc, he's going to go mad.

Please tell me what I need to try and do.

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Hi

 

I have sent out an SOS for you to a couple of people who may be able to offer you some help.

 

Please bear with us......you have some time to try and sort this out. :-)

 

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If your dad can help you, then I suggest you suck up your pride and ask for help now.

 

Unfortunately, if affordability is an issue, the courts will have to consider possession. However, let's establish a few facts first as there may be other solutions.

 

How much was the original loan for? If it was under 25k, is it regulated under the Consumer Credit Act 1974? (You'll find that info on the loan document/terms and conditions.)

How much are the exact monthly payments, and how much exactly are the DWP paying?

How much exactly are the arrears? (You have written 17k, but I am presuming you mean 1.7k?)

How many years and months (exactly) are left on the loan?

How much is the property worth?

Are there other loans secured on the property, if yes, how much for and are you in arrears?

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  • 1 year later...

Hi all

 

Wondering if you can help me.

 

I have a house with a mortgage (Birmingham Midshires) and a secured loan (Paragon).

 

Last year Paragon took me to court to try and repossess my house as I fell into arrears.

 

I managed to get that deferred/suspended for about 6 mths as I’d found a job,

 

but then I lost the job when the company folded.

 

I then temped on and off and got benefits when I wasn’t.

 

The job centre people paid about £44 a month towards my loan (is £158 normally).

 

Then I was stupid enough to be put in prison on 24th Feb

…my dad rang them to inform them that I was in prison so couldn’t contact them.

 

I’ve now been released

 

to find a letter from a solicitors acting on their behalf saying that Paragon had instructed them to repossess my house

and that the bailiffs would tell me when to leave.

 

Does this mean they are actually coming to repossess or do I need to try and apply for a time order to allow me time to pay it off.

 

Typically right now I can’t find the letter I received and I’m panicking too much right now I think to find it.

 

What do I do?

 

I’m going to try and call CAB tomorrow to get an appointment but it’s making me ill right now thinking about it all!

 

Help me please, I really can’t lose my house,

 

I know I was stupid and ended up in prison but I’ve paid my time,

 

I’ve applied for jobs,

 

I had an interview on Friday which I am hopeful about and have one next week as well so I’m getting interviews etc.

 

Thanks in advance

Mary

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Hi. Ive flagged your post for admin attention. DOnt worry about repo just yet. Theres a procedure they must follow.

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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Hi and sorry your post has been missed.

 

Have you had anything else from the court?

 

Is your mortgage in arrears too or just the loan with paragon?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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and what PENATLY and Arrears or debt management or letters or phone call fees

have they levied on you

 

all can be reclaimed + the interest they have gathered.

 

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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  • 8 months later...

Hi all

 

Am seeking some urgent help.

 

 

I have a secured loan with Paragon Finance.

 

 

I fell into arrears in late 2012 and

 

 

in May 2013 they gained a suspended possession order.

 

 

Things were ok until last year when I lost my job.

 

 

They went to court in December (I didn’t know about this bit) and they gained an eviction order, which was dated Friday 13th February 2015.

 

 

I sought help from CAB who passed me to Gloucester Law Centre,

who said I needed to call this number as they couldn’t help but would be in court on the day for advice.

 

A solicitor on the phone advice line advised me to put in an appeal (N244) which I did stating wanted to apply for time for

DWP to make payments towards this loan and for me to find a job.

 

 

I have written a letter for the judge tomorrow but I don’t know if this is enough or if I can/should any more information to it.

I’ve tried to explain everything in this.

 

 

Can anyone please check it and see if they can think of anything I can add to help my case?

 

 

I have applied for over 80 roles since the New Year have had a couple of interviews every week

and have one for this Friday and one for next Tuesday.

 

Any help is going to be very gratefully received.

 

 

I do though have a deadline of 8pm to enable me to print the letter before I go as I have no printer at home.

 

 

Please help me save my home of 12 years!

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How much are the arrears

 

How much have you been charged in penaty fees and interest on those penalty fees?

 

Will send an SOS for you

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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hi

 

The arrears are £3.9k they've charged me for late payments, a failed home visit and interest but not sure how much in total as not at home right now. They charged me £65 for a home visit I know that.

 

I've now secured another interview for tomorrow afternoon so it's not like i'm not trying to get work. it's been hard because of my problems last year as you can see in the letter. so that's one tomorrow, one friday and one on Tuesday all with practically immediate starts.

 

thank you x

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Have sent S.O.S for you.. someone will be with you soon as they can.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You say they charged you for a home visit. Did they actually make the visit ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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five threads merged for history

 

 

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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Hi there, I think your letter is too long - you will only have around 10 minutes in the hearing to get your point across to the judge. Have you any indication as to when the DWP will make payment? do you have any documentation relating to the DPW claim ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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you need to stay with us this time

not make various threads throughout +2yrs and then never answer our questions or action the advise already given.

 

 

did you get the reclaiming of all the penalty/arrears/letters/home debt visits off the ground ?

 

 

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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The DWP have said they'll do the backpayment this week and start with payments going forward and were going to write to me but as they send it all second class there was no guarantee i'd get it by tomorrow morning.

 

I'm trying to get across to the judge the past/history with this and that I am trying to gain employment. So not 100% sure how to shorten it or improve it. tbh I'm just panicking and learning a lesson now!

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you need to stay with us this time

not make various threads throughout +2yrs and then never answer our questions or action the advise already given.

 

 

did you get the reclaiming of all the penalty/arrears/letters/home debt visits off the ground ?

 

 

dx

 

Yeah the DWP finally agreed with me about restarting as a rapid reclaim and are backdating it to April 2014 and sending me a letter in confirmation of this and are sending one to Paragon too, but no guarantee it'll be here by tomorrow. I'm not at home right now to check but heading home in about an hour. They're going to make a lump sum backpayment this week but I think it takes 3 days for their payments to appear and then are going to make payments going foward. i've now got another job interview tomorrow. All 3 interviews are for immediate starts as in the one tomorrow want someone to start on Monday.,

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Are you saying that the arrears that they are claiming include charges?

 

How much was the loan and how long is left on it?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Can you ask the DWP to email confirmation of this so you can show it to the court ? If you tell them you are about to be evicted they should do it.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Are you saying that the arrears that they are claiming include charges?

 

How much was the loan and how long is left on it?

 

the loan was for £16 and over 15 years and they have added interest, late payment charges and home visits to my total in the last year

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Can you ask the DWP to email confirmation of this so you can show it to the court ? If you tell them you are about to be evicted they should do it.

 

I asked and she said no as it's not a 'secure email' despite me saying on Monday I was in court on Thursday. I could try them again in the morning as i'm sat waiting and ask again

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Have a look at my guide here: http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession it shows you how to set out a statement for court.

 

Do you know if the court has any duty legal advisors you can ask for help for the hearing ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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