Jump to content


  • Tweets

  • Posts

    • 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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Lowel l Claimform - old vanquis card poss -SB***Claim Dismissed***


twopennies
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2222 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If your sure it only states that the claimant disclose and submit witness statement and not parties.....then that must be correct given that a trial date has yet to be set.Its just strange that only the claimant submit by 27th July and you the defendant do nothing.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

ah yes I forget it was enclosed with the witness statement.....this is very good for you as the court is testing the claimant before giving you directions to see if they could disclose the documents requested.

 

So now we need to scrutinise their documents in particular the defaults and last payments.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

  • 1 month later...

Hi Andy and co,

resurrecting this post as I have received a trial date and request to submit my own evidence now.

 

I have none of the original paperwork for the vanquis account,

nor any documentation sent by Lowells,

other than that to do with this court case.

 

The only thing I hold electronically is a copy of the last letter I sent to vanquis with the last payment of £1, as noted on the account statement on 08.04.2011.

 

I can submit this and a witness statement. I am determined to fight this,

 

I would really appreciate any advice that can be given on what to include in my witness statement and any additional supporting information.

 

I am doing as much research as I can in the background.

 

Thanks in advance

TP

Link to post
Share on other sites

Same stage on the following thread.......your evidence is also any CCA/CPR requests and responses and anything you wish to rely on and refer to either in your defence or witness statement.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?477490-Lowell-claimform-old-Creation-Finance-loan-debt/page4

 

Regards

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Plenty on here at the same stage...take your time on this as this is vital to defending a claim.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

  • 4 weeks later...

UPDATE

 

Hi, I thought I would update interested parties on progress of my case. I submitted my defence as requested and on time. I called the court today as I had not heard anything subsequently and they confirmed that Lowell paid the trial fee on time so the hearing is going ahead on 6th November.

 

I am still amazed that Lowell intend to push this case based on the cause of action being the date the default notice took effect rather than my last correspondence/payment with the original creditor, and yet they have failed to provide the evidence to support this (other than a poorly photocopied template default notice with generic data).

 

My defence drew the judge's attention to this and to the fact that vanquis t&cs did not (and do not now) include any terms regarding default terms, or default periods.

 

However I am going to court. I am in no position to afford legal representation for this case so will have to represent myself.

 

At this stage I would appreciate any pointers in terms of research I need to do beforehand or access to free legal advice/representation. Also if anyone has experience of what I can expect on the day that would also be greatly appreciated.

 

Thanks as always

TP

Link to post
Share on other sites

Have you submitted your evidence (Witness statement and disclosures) ?

 

Post a copy of your WS here for checking

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Thanks for reply Andy, yes evidence submitted to court and OP.

 

Comprised WS and exhibits, which included a copy of my last ever correspondence with Vanquis,

and return copies of Lowells evidence with notes,

these being the incomplete T&Cs from Vanquis,

and the poor copy of template default notice,

along with copies of Section 5 Limitation Act 1980 and Section 87(1) of CCA 1974.

 

I have attached my WS and the copy letter as this is the only new information.

 

Grateful for feedback and your time

Thanks

TP

CCCS Letter to Vanquis March 2011 data removed.pdf

Witness Statement Lowells 21.09.17 Data Removed.pdf

Link to post
Share on other sites

nice WS.

 

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... 

Link to post
Share on other sites

Thank you. I don't mind admitting I spent a long time researching and composing that.

 

I will look in more depth at CCA and Limitation act and examples of cases and law regarding statute barred debt.

 

I am OK at presenting/defending myself however I want to be as prepared as possible.

 

Any pointers you can offer on research much appreciated.

 

TP

Link to post
Share on other sites

  • 2 months later...

UPDATE

 

I just thought I would update on this case.

I defended myself in court today - AND WON!

 

The judge dismissed the case for lack of evidence

- the original default notice was never provided.

 

I've got to say it was one of the most nerve wracking things I have ever done.

The representative from Lowel's tried to talk to me before the hearing and I summarily dismissed her

- I knew from reading on here that is one of their tactics.

 

I have some advice for anyone else in this position.

Do your homework.

 

The judge was impressed at my witness statement,

my knowledge of dates and details of the case, and my knowledge of the Limitation Act.

 

The OP tried to insist that the case was subject to section 6 not section 5

but in either case it relies on a default notice

and as such they shot themselves in the foot trying to take me to court on this basis

and then not provide the key evidence.

 

Also have courage.

I corrected the Judge on a point

- she insisted that the lack of default terms or defined default period was of benefit to me as in it allowed for the credit agreement to keep rolling,

however I told her that in fact it was clearly to the benefit of the original creditor as they had applied some £600 of charges to my account before serving the imaginary default notice.

 

When the OP tried to blame the Christmas post for the lack of evidence,

I was able to quickly assert that in their letter from last May they had clearly stated their case relied on the default period and as such the Claimant had had plenty of time to provide the evidence.

 

I am satisfied at the outcome and my intention is now to report Lowel to the FCA for their tactics and breaches of regulations.

 

Many many thanks to all that helped me on this brilliant forum.

I shall be donating and I am happy to offer any advice or talk through my experiences if it helps anyone else face up to these low life.

 

TP (smiling)

Edited by twopennies
Link to post
Share on other sites

well done

shows the importance of reading here and not just being spoon-fed.

 

FSA became the FCA:madgrin:

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... 

Link to post
Share on other sites

Excellent twopennies

 

Thread title amended to reflect the outcome.

 

Regards

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Excellent. Definitely report Lowell.

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

  • 2 months later...

Hi, I know this case is over and done but I thought some might be interested to know the latest in my battle against Lowell.

 

I submitted two subject access requests, one to Lowel Portfolio I and one to Lowel Solicitors, and sent a scorching official complaint letter to Lowell.

I also contacted the Financial Ombudsman and the FCA.

 

Lowell have sent reams of paper in response to SAR but most of it is copies of information I already have.

Notably missing is any sniff of a default notice (the basis for their entire claim against me).

 

Lowel have failed to respond to my complaint and it is now over 8 weeks since it was lodged and the ombudsman is now contacting them to ascertain if they 'made a mistake' in their action against me.

 

I hope to have a copy of the transcript of the court hearing in next week or so.

 

I will update as and when I get news.

Any questions please fire away

TP

Edited by dx100uk
spacing
Link to post
Share on other sites

What are you trying to achieve..the claim was dismissed ? A creditor is not required to retain a hard copy of the default notice...as long as they can prove one was issued via their internal audit systems..that satisfies the CCA1974.

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Just picking up a point on this - merely to clear it up in my own mind.

 

Would the cause of action not actually be 2009?

This being when the agreement was breached, and not subsequently remedied - therefore they had the right under the agreement at that point to issue a Default Notice and then commence recovery (through the courts, if necessary).

 

Last acknowledgement came later (April 2011) in the form of the £1 token payment, but to my mind, this does not represent a cause of action.

 

Thoughts?

Link to post
Share on other sites

correct

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... 

Link to post
Share on other sites

Hi Andy,

 

Thanks for reply and good question. I wanted them to be held accountable for their actions, in the first instance. Wasting my time, the court's time, and in essence, bullying me into paying a debt that was SB by threatening court action. Most people would capitulate to their threats and end up paying and this is what frustrates the hell out of me. They shouldn't get away with this sort of behaviour. At the point that they KNEW there was no evidence of a default notice (in spite it being arguable that this was when date of accrual began), they should've stopped their course of action (this being May 2017).

 

It may be futile trying to take on this company but I still felt compelled to speak out about their behaviour.

 

I have now received a response to my complaint from Lowell. They have upheld my complaint, and have apologised for 'the trouble and upset' that the matter has caused and offered me a nominal sum by way of compensation. They are claiming they upheld the directions from the court but admit that they knew in May 2017 that a poorly copied template was all they had by way of the default notice. I am pondering what to do with this at the moment. My gut feeling is that if pursuing money is my goal then I could probably wring a bit more out of them, but since this isn't my goal, then for my own sanity I probably need to let this drop now as I have other things that need my energy and attention. Taking on the ethics of the debt collection industry can wait for another day!

 

TP

  • Like 1
Link to post
Share on other sites

Pleased you have got something out of them....:-)

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...