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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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Found unknown Hoist CCJ Issued on possible SB debt


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I have recently received a CCJ from the County Court Business Center through a company called Hoist Portfolio Holdings.

 

I'm slightly confused at this as I was sure the debt was Statute Barred.

 

The debt is from an old current account (3k)

- I defaulted on the debt in September 2009

made no contact and no payments since this default date.

I thought Sept 2015 the debt would dropped off my credit file and that would be the end of that.

 

I've now recently done a new credit check expected and nice clean report but instead see a CCJ from the above.

How is this possible surely once statute barred they arent able to legally chase?

 

How would I go about correcting this issue and have it removed from my credit file?

 

What would be the easiest way to do this?

 

Perhaps I should definitely make sure the debt IS stature barred first - how would I do this?

 

Thanks in advance for any help

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doesn't matter if its statute barred

on a non defended claim

its rubberstamped and nothing is checked.

 

why didn't you defend the case?

get an sar running to the original creditor

or go ring them and ask last payment/use date

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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why didn't you defend the case?

get an sar running to the original creditor

or go ring them and ask last payment/use date

 

I didnt know there was a case to defend. So I guess getting an Sar is the first step?

 

Did they send the N1 to you at your current address? If not easy to set aside and then enter SB defence

 

I never received anything at my address - well not that I'm aware of.

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so you never updated your creditors of a change of address?

 

so the claim form was correctly sent to your old address I guess.

 

go ring the original creditor and ask last payment/use

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 dx100uk thanks for the reply

- no I've moved many times since I defaulted on the debt and after trying to be reasonable with them on many occasions

- harassing my family over the phone was the final straw.

 

The debt was sold on I think numerous times.

 

I have the original default date of September 2009 on my credit report.

 

This should be reliable?

The last payment would've been a while before then.

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so there be your problem

 

you didn't update your creditors

they quite correctly served a claimform

and latterly got a default CCJ.

 

unless you can prove the debt was statute barred before the date of the claimform

[which is roughly 1mth before the CCJ date - which was?]

you sadly don't stand a chance in getting it set aside

 

you'll need a reason to set aside the CCJ [cant see one yet]

and you also need a defence for the debt itself

for the set aside to happen.

 

dx

 

ps notice this is an old current account OD debt

who was the original creditor?

 

I very much doubt that if you had defended this

they would have gotten a CCJ

 

keep the info coming

 

all might now be lost

 

 

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 original creditor was HSBC and I can confirm that it was a OD debt.

 

The default was registered by MKDP LLP however.

 

Defaulted in Sept 2009

so 1 year 1 month before CCJ (issued October this year)

 

it _should_ have been statute barred.

 

I need to make sure it is SB and prove it is.

 

Best way to do this?

 

Then apply for it to be set aside?

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Ring the courts now and ask for copies of the ccj and the claimform.

If the date on the claimform is after september 2015 then it was SB and you can apply to set aside and defend as such.

If the claimform was issued prior to september 2015, that would have stopped the SB clock from ticking so would be correct if you hadnt given your new address.

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The default was not registered by mkdp

They can't do that

The OC did that before sale

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 default was not registered by mkdp

They can't do that

The OC did that before sale

 

Ok default registered by HSBC

 

Ring the courts now and ask for copies of the ccj and the claimform.

If the date on the claimform is after september 2015 then it was SB and you can apply to set aside and defend as such.

If the claimform was issued prior to september 2015, that would have stopped the SB clock from ticking so would be correct if you hadnt given your new address.

 

Ok thanks I'll ring and ask for copies. I guess this will show me which address is registered too? (As I didn't receive claim form at my current address)

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Correct and if you have any correspondence from MkdP et al to your current address they will prove they had your current address so will give you good grounds to set aside.

If you get that far you will then need a good defense to the original claim.

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  • 2 weeks later...
Ring the courts now and ask for copies of the ccj and the claimform.

If the date on the claimform is after september 2015 then it was SB and you can apply to set aside and defend as such.

If the claimform was issued prior to september 2015, that would have stopped the SB clock from ticking so would be correct if you hadnt given your new address.

 

Hi there I contacted the courts and they confirmed the address as my current address. They have sent me a copy of the ccj and the date issued is 8th October 2016 - which is obviously after the September 2015 SB date.

 

Whats the next step?

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brilliant!!

 

 

so should be a very easy set aside.

 

 

might not hurt to actually ring hoist and ask if they will remove the CCJ by consent FOC

as you can now prove the debt was statute barred before issuance

 

 

might save you £255

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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If 8th October was the date the judgement was granted, or judgement issued, that would put the claim issue date possibly prior to sept.

 

We need to know the date the claim was started, the date of issue of the claimform, not the date the ccj was rubberstamped.

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If 8th October was the date the judgement was granted, or judgement issued, that would put the claim issue date possibly prior to sept.

 

We need to know the date the claim was started, the date of issue of the claimform, not the date the ccj was rubberstamped.

 

Hi Martin It should be Statute Barred as of September 2015 as account went into default in September 2009.

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good perfect

 

 

did you ring hoist?

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

brilliant!!

 

so should be a very easy set aside.

 

might not hurt to actually ring hoist and ask if they will remove the CCJ by consent FOC

as you can now prove the debt was statute barred before issuance

 

might save you £255

 

Wow so dealing with Hoist Portfolio is like talking to a cybernetic organism.

It was actually Howard Cohen their legal dept.

 

They are disputing SB by saying payment was made in to the account in March 2011

- but this would be impossible as I haven't used the account since 2007!

 

Via my credit file it shows zero payments made since the default.

 

I'm not sure if they are trying it on or there is some phantom payment been made.

How do I prove this?

How do I prove it's Statute Barred?

They advised to set aside with N244 and pay the £255 fee.

 

They also said that they've sent mail to my address which I've not received.

They said they dont have to prove that its been received due to some property act 1925?

Thanks for your continuing help

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yea that's about right for them

usual BS about phantom payments...

there ofcourse wont be one

and its NOT for YOU to prove its SB'd anyway

 

 

its for THEM to prove its not

 

 

well I bet they don't appose

just making you waste £250...give it to us instead I bet they said...

 

 

N244 then

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

Hi Martin It should be Statute Barred as of September 2015 as account went into default in September 2009.

 

Ahh my mistake, should have gone to specsavers!!

Misread sept 2015 to be 2016.

 

Note to self, pay full attention to postings !!

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yea that's about right for them

usual BS about phantom payments...

there ofcourse wont be one

and its NOT for YOU to prove its SB'd anyway

 

its for THEM to prove its not

 

well I bet they don't appose

just making you waste £250...give it to us instead I bet they said...

 

N244 then

Yeah it's got to be BS unless some random individual or company dropped some money into my account which is highly unlikely.

 

A little gutted to say the least - if only I'd received the claim form.

 

I can only imagine Hoist must do this en masse completely disregarding SB debts.

Throwing a nuclear bomb and seeing how much sticks.

 

Just as an aside; since confirming my address with them last week I've received a Warrant of control.

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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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Share on other sites

Contacted the Bailiff

 

he was extremely rude and sounded like he was on some form of speech impairing sedative.

 

Advised him I'm applying for ccj to be set aside and if he could hold action until an outcome had been reached.

 

I told him it was for a statue barred debt after he asked why I was setting it aside

- to which he replied it's not statute barred it doesnt exist anymore - it doesnt count now.

 

I asked him not to play games to which he said I'm coming to collect the debt then hung up.

 

Now he is ignoring my calls.

Surely these no marks are accountable to someone?

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bluff and bluster me thinks

 

he is acting as a court bailiff so must abide by what they do/say

 

did you ring the court too

 

just for ref

theres no right of entry

and you've no reason to even converse with the bailiff now

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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