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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • 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.
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Lowell claimform - old HBOS OD Debt***Claim Discontinued***


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I believed a debt was statute barred

when I checked my credit file last payment was in 2009, now it has gone off my file.

 

Lowell now demanding payment,

I sent a statute Barred letter to them

 

they replied that termination of service was in 2009 but payment was made in Sept 2011 so not making it statute barred

 

 

which I totally disagree as my situation was so bad for that period and could not have afford to make any payment from 2009.

 

I don’t have the bank statement, the account had been closed.

 

I sent a letter to lowell to prove date of last payment but they had ignored this.

 

They informed to have made a court claim which I have not received any letter regarding this.

Also they asking me to contact the court for a copy.

 

i have contacted the court and i have been emailed the claim form, filled and returned to the court.

 

the court sent a letter of acknowledgement of my defence and that a copy been sent to the claimant.

 

i received a letter from the creditor that my case is on hold as it is being reviewed

a copy of Directions Questionnaire (Small Claims Track) which they had filled

that i will be sent my copy directly from the court to be filled

so that the court can then make decision from these documents.

 

i have asked the creditor severally to prove/send me evidence of my last payment which has been my defence and up to date they are yet to get that to me.

 

I have been sent a direction questionnaire to fill and return.

I don't understand this process they are taking and don't know what to do.

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hi ya welcome

 

can you complete the form here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

 

so we have all the required info from the claimform

and also post up a copy of your defence.

 

then following the upload

scan up their WS complete with exhibits to ONE MULTIPAGE pdf

 

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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If we can have all the details as per the link above...but in the meantime you must complete the DQ and submit it and serve a copy on the claimants sol by the date stated...otherwise you risk your defence being struck out.

 

The DQ is simple to complete.....yes to small claims track ..yes to mediation....state your local county court......1 witness yourself .....the rest is self explanatory tick boxes.

 

Regards

 

Andy

We could do with some help from you.

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what was the debt for?

that can make a difference

so if under a credit agreement like a loan or CC then a CCA request will force them to comply or lose their claim on procedural grounds.

 

Bank statements will be available but you will have to pay for a copy and jump through a few hoops to get it.

They will pay for this eventually as part of your costs you can claim.

 

We assume that you submitted a defence to the court and Lowell

so you now follow the orders of the court as far as documents, times etc and dont dance to lowell's tune

 

 

, they like all of these types of companies like to browbeat people into agreeing to settle by sending letters they say they are going to send to court (and you have no chance etc) when they know it is procedurally improper

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If we can have all the details as per the link above...but in the meantime you must complete the DQ and submit it and serve a copy on the claimants sol by the date stated...otherwise you risk your defence being struck out.

 

The DQ is simple to complete.....yes to small claims track ..yes to mediation....state your local county court......1 witness yourself .....the rest is self explanatory tick boxes.

 

Regards

 

Andy

 

Thanks guy, it's been busy but will try and fill the DQ and the link as per dx request asap. Appreciate you once again.

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Name of the Claimant ? Lowel portfolio ltd

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14 june 17 ?

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. For unpaid debt

 

?????????

 

What is the value of the claim? £3800

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? bank overdraft

 

When did you enter into the original agreement before or after 2007? yes ?

 

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. debt purchaser

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

 

Did you receive a Default Notice from the original creditor? not sure

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes

 

Why did you cease payments? i think 2009 ?

 

What was the date of your last payment? don't know

 

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 planicon? no

 

 

Unable to upload my defense as it was saying error and i have tried all i could but to no avail

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So the claim was issued 14th June and you have already acknowledged and submitted a defence and now at allocation stage ?

 

Can we have the particulars of claim above you missed it off and the the date you entered into the agreement and why you ceased payments please.

 

Regards

 

Andy

We could do with some help from you.

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I don't know the date of the claim as I did not receive the initial claim form just a blank form that was emailed to me when I requested for it from the court so don't know the full details of the claim.

 

This I responded with my defence then later received the questionnaire direction form which was sent on 14th June but yet to fill that.

 

The original agreement was before 2007 but can't be specific as I don't know the exact date.

 

I stopped payment because things were tough, had no job and was struggling then.

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what defence did you file please

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 details of my defence was that I didn't acknowledge the debt,

I had written about 2-3 times to them to send me the proof of last payment into the account which up till this moment it has not been responded to.

 

My defence was forwarded to lowell solicitors by the court and they replied that my request was been looked at, until they get anything from their client my case is on hold

 

Where it all stands now is that I have to fill in the direction questionnaires

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quick way is to ring the original creditor...who was?

and ask your last payment date

simples really rather than relying on a fleecing DCA to tell you anything other than the truth.

 

if its statute barred

then the claim is dead in the water.

 

the DQ is Easy

yes to mediation [unless it IS statute barred?]

1 wit you

the rest is obv.

 

go ring your old bank now

have you looked at your credit file too?

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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Thanks so much for your prompt responses.

I will fill in the dq, ring the creditor.

 

I have aso checked my credit file and that debt isn't on my file as it dropped off I think 2015/16 or so. Definately not in 2017.

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well go ring them [the original creditor ]now then..

who was this please

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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Share on other sites

thank you

we got there in the end...

 

i'd go ring them now

their banking line is 24/7

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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Will try and pop into a branch tomorrow as when I called was told they can't give information on the phone for a closed account.

 

Will update you as I get on, thanks.

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I went in to the branch but unfortunately it was a total different case I found out.

 

I was told I only had 2 savings accounts with few pounds in them still active,

1 credit card which had been closed.

 

Could not get a statement of the credit card account as I was told to contact the collection agent as it was already sold to them.

 

The collection agent name is different to who am dealing with at the moment so maybe it had been passed on.

 

What surprised me most was that I was told the account number I had from lowell couldn't be found on the bank database.

 

I am pretty sure i had a current account and credit card with the bank but was told I only had savings and credit card with them.

 

it appears the debt could be the credit card but the account number differs to what the bank told me.

 

There is no debt on my credit file as previous credit card debt had dropped off.

 

Here I don't know where I stand or what to do as lowell hasn't provided me the details of last payment to the account despite requesting from them.

 

I have also filled the DQ and sent it off.

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what do the particulars of claim state please

you've not told us that.

 

as for HBOS telling you to contact the debt buyer

that's wrong.

 

they MUST hold data for 6yrs .

 

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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Pls explain what you meant by "particulars of the claim"

Thanks

 

The reason they have issued the claim and what their claim will rely on ...big box on the left of the N1...we have asked for it now 4 times

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

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As I mentioned in my earlier message I didn't receive their claim form,

 

the court only emailed me a blank copy of the form when I was advised to contact the court

 

can't say precisely what their details are.

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As I mentioned in my earlier message I didn't receive their claim form, the court only emailed me a blank copy of the form when I was advised to contact the court so can't say precisely what their details are.

 

So how did you submit a defence if you do not know what they were claiming.?

 

" i have contacted the court and i have been emailed the claim form, filled and returned to the court. "

 

So they sent you the following...completely blank no names or address or particulars of claim ?

 

https://formfinder.hmctsformfinder.justice.gov.uk/n1-eng.pdf

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

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Sorry to be messing about,

my defence was based on the info I gathered from the court when the blank form was emailed to me.

 

I have just seen the info been the particulars of the claim as follows.

 

1) the defendant entered into a consumer credit act 1974 regulated agreement with hbos plc under account reference xxxxxxx ('the agreement').

 

2) the defendant failed to maintain the required payments and a default notice was served and not complied with.

 

3) the agreement was later assigned to the claimant on 07/08/2012 and notice given to the defendant.

 

4) despite repeated requests for payment, the sum of £3,276.05 remains due and outstanding.

 

and the claimant claims

a) the said sum of £3,276.05

b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.718, but limited to one year, being £262.08

c) costs

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hooray atlast.......

 

so its CCA regulated..

is the account number 16 digits?

 

if it is

its a credit card number

 

if its not

then, an OD is not regulated under the CCA other than sec 5 I think it is

and their POC is thus misleading in the least.........

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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Thanks for your patience.

 

 

The account number is 14 digits which the bank told me it was the combination of a sort code and account number but does not exist not even under my name.

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