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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?
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INDO vs Lloyds TSB


INDO
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I have written a letter with the £10 fee for a list of all the charges.

 

It is nearing 40 days since I wrote it and to date I have received no response whatsoever. £10 has not even been debited from my account.

 

What is the next step?

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It will take every one of the 40 days ... I suggest giving them a call .... take a look at my thread .. it might help.

 

Thanks, I'll give them the full time. Then if I still don't get a reply, I will take further action then.

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Ok. but I would still call them - worst case is that they say they havent recieved it - then at least you know what to do now rather than waste any more time.

 

They've received it as I sent it by recorded delivery and have checked.:D

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  • 2 weeks later...

I rang them up, and they transferred me to my branch. The branch told me to forward the letter to the branch where my account was held. The account is and has been closed down since march 2006.

 

Whats the next best step?

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Hi

Did you ring the Copy Statement Unit (0845 300 4431)?

Barty :)

 

No I just rang head office, who then put me through to the branch.

 

When I ring copy statement unit, what exactly is the best thing to ask them?

 

How do I overcome objections to the data?

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I sent the data letter asking for the statements to the registered office at 25 gresham street. Do I send the preliminary approach for payment to the same address?

 

 

So i need to send them all my statements and schedule of charges, or just the statements, or both?

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Just the schedule of charges. It's taken you 6 weeks to get the statements and now you want to send them straight back!!!

 

 

I have all the schedule of charges. However, I only have a handful of statments dating back to 2000/2001.

 

They have not sent me all the statements.

 

Whats is the best thing I can do?

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Sorry, I think we're at crosspurposes as to what a schedule of charges is.

 

It's just a list of all your charges: type of charge, amount, date.

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

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Sorry, I think we're at crosspurposes as to what a schedule of charges is.

 

It's just a list of all your charges: type of charge, amount, date.

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

 

 

They have sent me all the charges, so shall I just send the sheets with all the charges back, and use a calcultor to calculate the money?

 

They have sent me proper bank statements too, but only a handful. Why haven't I got all my bank statements, so I can cross-reference the charges?

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You don't need to send the sheets with all the charges. Use the spreadsheet as above. Enter all your charges into it, this will calculate the s69 8% interest that you can claim when you file at court. Save the s/s and delete the last 2 columns (8% bits). Print out as your schedule of charges and send that, ie a single sheet, with your preliminary letter.

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You don't need to send the sheets with all the charges. Use the spreadsheet as above. Enter all your charges into it, this will calculate the s69 8% interest that you can claim when you file at court. Save the s/s and delete the last 2 columns (8% bits). Print out as your schedule of charges and send that, ie a single sheet, with your preliminary letter.

 

 

Ok Thanks.

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:D keep us posted

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

I have received what looks like a fully standard letter from lloyds tsb. They are defending there charges.

 

They have taken slightly less than the 14 days I gave them for a reply. Shall I send the claim off now? Or do I still wait a few more days till the 14 days have passed and then send it?

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  • 4 weeks later...

After sending the letter before action, I have now recieved a letter saying: ...Generally we don't agree to adjust any of these charges, but i can tell you that on this occasion we are prepared to reduce the charges by repaying you £750." (total claim is £1074.50 excluding interest)

 

..."I need to let you know that this does not mean we consider we have any legal obligation to do so. You will receive a cheque in the next few days"

 

"This letter is the banks final response..."

 

They do not say it's a final settlement or it should be accepted as such. Shall I cash the cheque and continue the claim for the rest of the money via the courts or send them anothe letteR?

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Most of the time they are paying the £750 (and it's always £750) into people's a/c's, which causes headaches re schedule of charges and interest re-calculations.

 

Personally I'd send the cheque back with a letter of rejection and file for the whole amount. Keeps everything straightforward and you can then claim 8% interest on all your charges.

 

Entirely your choice.

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Most of the time they are paying the £750 (and it's always £750) into people's a/c's, which causes headaches re schedule of charges and interest re-calculations.

 

Personally I'd send the cheque back with a letter of rejection and file for the whole amount. Keeps everything straightforward and you can then claim 8% interest on all your charges.

 

Entirely your choice.

 

This claim is for a closed down account -well before the claim began. Also it appears that there are no conditions attached to this, it's just the final response from the bank. They havent said it's a final settlement or anything like that they just offered to refund part of the money and said the cheque will be with me in the next few days.

 

In this case shall I still send the cheque back and reject the money? Or shall I cash the cheque and go to court for the rest of the money?

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