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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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Lowell/Carter/lowell sols - claimform - Vanquis Card 'debt'


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I hope Someone can help me as I am in a panic and angry at myself for being so stupid:-x

 

I was served with Proceedings for an old vanquis card which Lowell took over and Bryan Carter issued proceedings.

 

I filed defence and did everything I needed and the matter was allocated to small claims

at my local county court for hearing on 30th March.

 

I had problems with both Lowell and Brian Carter in that although I knew I had a balance outstanding on the account

and was prepared to negotiate a settlement

 

I did request copy credit agreements as I believed there may be PPI on the card

(I had recently had a few successful claims paid out so knew that this card must also have PPI)

Also they were claiming almost 4000 when the credit card only had a credit limit of 1000.00.

 

I have never received any paperwork relating to the amounts or copy credit agreement.

I received the directions Order for the hearing

 

about 2 weeks ago I received a letter from Bryan Carter saying they were no longer instructed

and they had returned the file to their client.

 

Yesterday I received an order from the court stating that my defence had been struck out

as I had failed to comply with the direction of the Order dated 25th January.

I checked over this Order and I could not see anything at all that I had to comply with.

 

Today I received another order stating the hearing had been vacated

and the claimants could apply in writing for judgement detailing clearly the claim they are making.

 

I checked and checked over the Order and could not see anything I had not complied with.

I have been so careful with dates etc to make sure everything was filed on time.

 

tonight I have checked through the file that I have been keeping my paperwork in

and I even checked the envelopes the letters etc cam in ....

.lo and behold in the envelope that the directions order was in

(as well as a leaflet on the Court services ) was a second order ahhh.

 

I cannot believe I missed it I took the original order out which is 3 pages

and left the leaflet in and obviously the second court Order.

I felt like crying I was so annoyed with myself.

 

this Order states that I have to file a statement of truth by 18th February!!!!

 

I am gutted and just want to know if this is the end

and Lowell will get a judgment against me for thousands over what I owed initially

and get away with ignoring their legal obligation to provided paperwork

 

any advise would be great.

Thanks Guys

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We do have people who are excellent in this area, dont panic, one will be along soon

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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So you failed to comply with the directions and didn't serve your standard disclosure or witness statement ...so your defence was struck out.Did the claimant serve on you their witness statement and standard disclosure..I bet not?

 

Andy

We could do with some help from you.

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Hi. Thanks for the reply. I had no disclosure as I have no paperwork and yes the order only tomd me to file a statement of truth. You are correct Lowell did not serve anything at all

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With court directions they tend to vary in the wording...and unless like we at CAG who deal with them day in day out...to the litigant it can be confusing...but all claims follow the same procedure.

Claim is issued...you either admit and pay or you defend.The claimant decides if they wish to proceed..if so the claim is allocated to track and local court.Directions are issued...and all directions instruct both parties to do standard disclosure and provide a witness statement (statement of truth).

 

Most posters here don't even read the notice of allocation or are aware of court directions...so we always point out that its imperative they comply by the dates stated otherwise they face sanctions being imposed (defence being struck out one of them).

 

But whats good for the goose is good for the gander, if the claimant as also failed to comply then the claim should also be struck out.

 

So back to your problem....have you checked with the court that the claimant has filed with them and just not served you..if not please do that first thing tomorrow.

 

Back to the Order...which you say you only received yesterday...which tells you to file a statement of truth by the 18th Feb ?

 

What date is on the order?

We could do with some help from you.

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Hi. No not checked with the Court yet as only got the Order when I got in from work lasr evening but I will go there this morning and check. Sorry the Order I got yesterday was the one saying Lowell could write in and ask for Judgement

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"Yesterday I received an order from the court stating that my defence had been struck out as I had failed to comply with the direction of the Order dated 25th January. I checked over this Order and I could not see anything at all that I had to comply with. Today I received another order stating the hearing had been vacated and the claimants could apply in writing for judgement detailing clearly the claim they are making."

 

So in effect the court has given you two warnings to comply ?

We could do with some help from you.

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No I am a bit confused. They gave me no warnings the 2 orders you have quoted above were to tell me defence had been struck out and Lowell could write to enter judgement

 

I received the first directions order dated 25th January which gave directions of hearing date time etc and this order stated that the parties had to file all documents that they wish to rely on 21 days before the hearing. I had no papers as tbe requests I made to Lowell and Bryan carter were ignored. On 3rd March I received a letter from Bryan Carter saying no longer instructed

 

I have telepboned the Court this morning and tbey say it shows Lowell paid the application fee but cant tell me if they filed anythibg as the file has been archived because the case is closed. So does that look as though that is it ?

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Well without knowing the finer details of the claim or your proposed defence...and in view of the solicitor change (which again I assume they never notified the court) the claimants have now been instructed to request Judgment.

 

 

The Order that states that you have to file a statement of truth by 18th February that was dated 25th Jan..what date did you receive that?

We could do with some help from you.

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Yes the Order that asked me to file by 18th Feb was dated 25th January

and it came in the same envelope as the main directions order

 

I just didn't notice it I just took out the main Order and left in the envelope a leaflet about Court services

and mediation and the second order was amongst these .

 

..my fault I know but I thought the main order (which was 3 pages long) was the directions I had to comply with

and this order was standard directions for filing anything I was to rely on 21 days before the hearing so I cannot understand why another order was made asking me to file a separate statement.

 

The credit card was taken out in or around 2009.

I had bad credit but had paid off everything and was trying to sort my credit rating

so I got one of these credit builder cards from Vanquis.

The credit limit was only 1k and I did use it and made regular payments.

 

In 2011 my marriage broke down and I left my home.

With everything that was going on I just forgot about the card.

 

I eventually received a letter from Lowell (they had been writing to my previous address

and I think my ex husband gave them my new one)

 

I contacted them to make arrangements to pay off the balance.

Next thing I heard was from Bryan Carter.

 

in the meantime I had contacted Lowell for a copy of my CCA as I had a feeling I may have had PPI

when I got the letter from Bryan Carter I made the request to them also.

 

Not reply form either and next thing I received Court papers claiming £3,800.00!!!

 

My defence is that although I am prepared to discharge the balance on the account

what they are claiming is excessive and I have no idea how they come up with this figure from an initial 1k.

 

after I had filed by defence I made another request for paperwork

but never received anything and following this second request

 

I then received a letter from Bryan Carter on 1st March saying they were no longer acting

and had returned the file to Lowell.

 

I had no idea what to do, I had no paperwork and it was my intention to attend the hearing and explain to the district judge.

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Okay in view of the above and assuming that the claimants have still to request judgment (beit Carter or Lowell's own in house Sols) it may be possible to approach the claimant and suggest a consent/tomlin order with view to arranging a payment plan on the understanding they do not request judgment (stay the claim).

 

Even if you could set a side the judgment on grounds of the claimant also not complying with directions and yourself requesting relief from sanctions....I do not see a possible a defence apart from the total amount claimed is in question. Which is something else that could be negotiated by way of the Consent/tomlin order) ?

 

Regards

 

Andy

We could do with some help from you.

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It may be of interest that Mr Carter has now closed down his website (18th March 2016) and hopefully his practice also :-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 2 weeks later...

Hi.

By way of update I wrote to Lowell's and asked about Consent/Tomlin Order and sent by signed for post but not received a response. If they do enter judgment am I still able to pursue PPI claim and also what about the fact that they have not complied with my CCA request? Thank you

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yes you can still do PPI at any stage

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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Thank you.

 

Is the fact that I have made 2 CCA requests that they have not complied with now not relevant ?

 

As I said previously this card only had a credit limit of 1k

and their court claim was for almost 4k

 

I have never had any documentation setting out how thy have come to this figure.

 

I have no problem repaying what I owe but no the obscene amount they are claiming..

 

Many thanks

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what defence did you file?

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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My defence was that I had no documentation relating to the amount of the debt claimed,

that I had tried to negotiate with the Claimants solicitors (Bryan Carter)

as I believed that the amount claimed was excessive

and obviously made up of charges and possible PPI (although I know PPI is probs a separate issue) but an extra 3k!!!

 

But it appears they had "sacked" BC before the hearing

 

so I had no idea where to go.

 

as stated on my OP I did make CCA requests to both Lowell and BC ....both ignored

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post up your defence please

redacted

exactly as you sent via MCOL please.

 

 

PPI+Charges wont cut it.

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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Thank you. I didn't sent it via MCOL I work for a law firm so sent it through our internal post (DX) (I am a family lawyer which makes it so crap that I missed the extra Order as stated above) I can only post defence when I am in work on Monday

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:!:

 

and you made all those so very basic and fundamental mistakes.....:shock:

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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No I didn't think I did :oops:

 

I sent my defence in,

I got a mediation referral which they told me that this could not go ahead

as I did not have the documentation, because BC or Lowell did not give me what was requested

 

The Court Order came transferring to my local Court

and it had usual direction for providing documents relied on etc...

 

..I had none, Lowell provided nothing, but my defence was struck out ...

 

. Lowell never complied with the disclosure

i.e. statement of amount they were claiming, copy CCA etc.

 

I know I missed the "extra Order"

but for the life of me cannot understand why that was made.

 

I had filed my defence, had no more documents to add (had none) and Lowells had file bog all..

 

....please do not judge me :hail::hail:

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not here to judge

here to stop you being fleeced blind..

 

 

if lowells have not sent any docs to back up their claim

than IMHO

that is your defence

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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I know nobody is here to judge

but honestly that was my defence.

 

I had a debt of maybe 1k but they file for nearly 4k.

 

I have had no documents from Lowell (their solicitors were BC)

and they wrote to me about 1 month ago saying no longer instructed .

 

I called Court asking for information about defence being struck out

she tole me

" file has been archived but Lowell had filed some paperwork but she could not say what"

 

I was advised in this thread to ask for a Consent/Tomlin Order

and I am happy to pay what I owe but not some inflated amount (extra 3k )

and I have sentt a letter to Lowell so fingers X:|

 

Many thants

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