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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. 
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    • 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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Hoist Portfolio - claimform HSBC overdraft***Claim Discontinued***


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Background

- about 4 years ago we wrote a cheque but there were insufficient funds in our account.

Rather than bouncing it, HSBC paid it and this put us into overdraft for £350.

 

Long story short,

they have been chasing this through various debt collectors and the debt was sold to Hoist, who have issued a claim against us.

 

We filed a defence, which was that we don't have enough info to confirm or deny the debt and that we had sent a Subject Access Request to the creditor.

 

They responded with a notice of assignment and copy of the terms and conditions.

We decided against mediation so the matter got allocated to a small claims court.

 

We then received a CJR065C from the court saying:

"Unless the Defendant files and serves a detailed defence complying with CPR 16.5 by 28/09/16 the Defence shall stand struck out without further order and the Claimant be entitled to enter judgement forthwith".

 

we are trying to put together a defence and also see if we can negotiate with the claimant at this late stage.

 

The terms and conditions we were sent state, under the heading When payments will and will not be made by us

that payments will be made if there are funds in the account or if an overdraft is in place (there was no overdraft agreed at the time).

 

It doesn't say anything about making payments when there are insufficient funds or no overdraft in place!

 

We also haven't received an overdraft termination notice because no overdraft existed (until HSBC created one to make this payment).

 

Something doesn't seem right here - any advice appreciated!

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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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FWIW hoist have issued lots of claimforms on old HSBC OD/loan debts

they must have bought a recent phishing list and are trying their luck to get loads of undefended default judgements.

 

 

most of these HSBC debts are somewhat sceptical merging ...of CC and Non CCA od's/and loans

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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Share on other sites

Name of the Claimant ? HOIST PORTFOLIO HOLDINGS 2 LTD

Date of issue – 26 APR 2016 (ACKNOWLEDGED 09 MAY 2016, DEFENDED 24 MAY 2016)

What is the claim for –

 

THIS CLAIM IS FOR THE SUM OF £349.99 IN RESPECT OF MONIES OWING PURSUANT TO AN OVERDRAFT FACILITY UNDER BANK ACCOUNT NUMBER XXXXXXXX

 

THE DEBT WAS LEGALLY ASSIGNED TO MKDP LLP (EX HSBC) TO THE CLAIMANT AND NOTICE HAS BEEN SERVED. THE DEFENDANT FAILED TO REPAY OVERDRAWN SUMS OWING UNDER THE TERMS AND CONDITIONS OF THE BANK ACCOUNT.

 

THE CLAIMANT CLAIMS

1. THE SUM OF £349.99

2. INTEREST PURSUANT TO S69 OF THE COUNTY COURT ACT 1984 AT A RATE OF 8% FROM 01/12/2012 TO THE DATE HEREOF 1243 IS THE SUM OF £102.01

3. FUTURE ACCRUING INTEREST AT THE DAILY RATE OF £.09

4. COSTS

 

What is the value of the claim? £565.14

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? OVERDRAFT

 

When did you enter into the original agreement before or after 2007? BANK ACCOUNT WAS OPENED AROUND 2010 BUT NO OVERDRAFT FACILITY WAS EVER AGREED.

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

 

ASSIGNED AS PER LETTER DATED 01 DEC 2013

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

DON'T THINK SO BUT RECEIVED ONE FROM CLAIMANT RECENTLY AS PART OF RESPONSE TO SUBJECT ACCESS REQUEST.

Did you receive a Default Notice from the original creditor?

 

NO DEFAULT OR TERMINATION NOTICE (NO FORMAL OVERDRAFT ARRANGEMENT WAS EVER SET UP, SO THEY COULDN'T REALLY TERMINATE IT!

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO

Why did you cease payments?

 

LIKE I SAID, A CHEQUE WAS PAID WITH INSUFFICIENT FUNDS IN THE ACCOUNT, THUS CREATING AN UNAUTHORISED OVERDRAFT - NO PAYMENTS MADE BY US.

What was the date of your last payment? SEE ABOVE

Was there a dispute with the original creditor that remains unresolved? NO

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? NO

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so they [the OC] created an unauthorised OD on your behalf

nothing wrong there sadly .

 

 

and as the account was only opened in 2010 cant be statute barred either.

 

 

might have to swallow this one dpac. and go for a tomlin/consent order for a small monthly sum to avoid the CCJ being registered.

 

 

unless anyone else can see a viable 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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So bank's can create unauthorised overdrafts if they feel like it? I thought they needed the customer's consent to make it binding?

 

Do you think it would be a good idea to contact the claimant and offer £10 per month or even a lump sum? How much are they likely to accept as a one off payment? 50-60%?

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yes, you'll see its in the accounts T&C's if you'd requested them via a CPR31:14

which you ideally should have sent the sols the day you got the claimform

 

 

as for the pay off

have you all the statements in the sar?

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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who did you send it too the fleecers or the OC?

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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Share on other sites

that's why

an sar should always goto the OC.

 

 

twould be useful for you to be able to identify what are penalty charges [late/over/letter failed DD etc] any fixed sum penalty fees

which are unlawful under FCA rules

removed in mediation etc to reduce the possible figure should you look toward tomlin/consent etc....

 

 

could you not pop into a branch and get all the statements

as an sar to them will be 40days away

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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Are the bank going to give us statements same day given that they forcibly closed the account?

 

Any thoughts on a defence as we need to submit something even if we liaise with Hoist about a settlement?

 

They probably won't be able to print off statements in a branch for a closed account. You would need to find out from HSBC customer services phone line, the quickest way to get hold of them. There might be a way, you can order them and pick them up in a branch or have them sent to you, as part of an SAR.

 

Will leave others to answer the defence part

 

What was the value of the cheque they processed ? Was the cheque offered with a debit card guarantee up to a certain amount ?

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 OTHERS

 

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

 

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Yes what was the value of that cheque?

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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Share on other sites

Account was standard with a debit card and no overdraft. Not aware that the debit card was linked to the cheque in any way.

 

The debit card used to act as a guarantee for a cheque up to an amount £50 or £100. Beyond the relevant amount, a Bank would not normally accept a cheque.

 

Think you need to look at the account terms and conditions. It might well be a mistake for the Bank to have accepted a cheque for £350. I suspect they should have bounced it and applied relevant fee for that.

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Yes it could

Tell us about this cheque more

 

Did you think there was £350 in there?

 

Play along for now and answer silly q,s for the minute

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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Share on other sites

I don't recall as it was a while ago but I'm pretty sure we would have only written a cheque if we thought there was enough in there.

 

transactions don't always clear same day (as if the banks do it on purpose to trip people up) and we probably had a payment that hadn't fully cleared.

 

Sorry I can't be more specific

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see if you can get all the statements from a branch take ID with you

 

 

if out how much of this debt is penalties

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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