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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payday loans – irresponsible lending?


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I've posted on another thread about how I'm finally facing the payday loan mess I got myself into a few years ago.

 

I've picked through the chaos and now have a picture of who I borrowed from and roughly how they were left – a lot of these loans were going on at the same time, and my credit file must have already been shot to bits as I was being approved applications.

 

What I'm confused about however is how to proceed with an irresponsible lending complaint if there are still amounts outstanding, or if it has been sold on? It all seems so *messy* and as more time passes the foggier it gets??!! Would anyone mind lending a hand?

 

PAY DAY UK

Repeat loans / repayments over a period - one loan unpaid now at CCJ claim stage by BW Legal

 

PAYDAY EXPRESS

Repeat loans / repayments over a period - one loan unpaid now being threatened with CJJ by BW Legal (they might follow through as they have above)

 

1ST STOP

Repeat loans / repayments / rollovers over a period – one loan resulted in a CCJ (still have to pay this)

 

VANQUIS CREDIT CARD

I settled/paid Lowell and default on credit file

 

MR LENDER

Unpaid - default on credit file and with DCA

 

QUICK QUID

Repeat loans / repayments over a period – one loan unpaid but I eventually settled/paid the DCA - weirdly nothing on credit file

 

SUNNY

Unpaid - default on credit file and with DCA

 

WAGEDAY ADVANCE

Repeat loans / repayments over a period – paid some/maybe all but unsure if there is outstanding amount left unpaid

 

WONGA

Repeat loans / repayments over a period – I had an email saying the amount was being written off and it dissapeared from credit file

 

SWIFT STIRLING

I'm finding it difficult to piece together what I borrowed with them but I think it was two or three loans – paid some/maybe all but unsure if there is outstanding amount left unpaid

 

LADDER LOANS

Several loans that were repaid in full

 

Urgh, such a big depressing list. The list of doom! Any help where to start would be appreciated.

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you send a IL complaint to each original creditor for each one.

 

it matters not who owns the debt now

if matters not that it it has an outstanding

it matters not if its defaulted on your credit file.

 

once you win each one

the account will be removed from your file

it balance will be wiped

you might even get your payments back

 

read the IL complaint sticky.

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

 

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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Hello Jess :)

Id like to help and get some idea of how bad it is. Are you able to do a PDF / Spreadsheet with all lenders and every loan youve had (Know or have something about in your files)

DX is right. The sticky is there to help guide you but im always around if you need extra help or dont understand.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you both, I've had a good read of the guide and now feel galvanised and SO ready to tackle this!!

 

fkofilee – Ok yes great,

I'm attempting to do this by going though any bits of correspondence I still have and bank statements that showed deposits and payments out

(I also used two bank accounts at the time and would switch between them for deposits/repayments which confuses it further).

 

With a couple, it's also apparent from emails that I took out a PD loan,

freaked out a couple of days later and cancelled it within the cooling off period.

I then repaid it without interest but went ahead and took another one with them?!

Bonkers behaviour.

 

They'll definitely be holes in the figures, but I'll try and get it done as fast as possible and get it up.

 

A big question I do have right now however is concerning the PAYDAY UK & PAYDAY EXPRESS loans (the most bothersome tbh)

– If I'm asking them (Instant cash loans?) to dig out all the info / loan history, is that not the same info

 

I don't want the debt purchaser to have when I'm defending the pursuit of the debt?

If I get them to unearth it, am I doing PRAC a favour if they try and pull together all the agreements etc?

Confusing!

 

I think when you've lived with debt hanging over you, you get really scared of waking the sleeping lions!!

 

onwards and upwards.

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forget about DCA's they are not BAILIFFS!

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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fkofilee, here is the full picture....made me wince delving back into the dark days and feels even stranger posting this online.

 

While the amounts aren't huge (I actually thought it was worse than this), there's no denying the impact it's had :sad:

PDLOANS.pdf

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£13k is the total.

Thats what it adds up to MINUS Interest and charges etc based upon what you have provided...

 

Just want to say this out loud... Its very bad that you hit £13k!!

We dont judge on CAG we offer assistance where we can :) So we will help you as best as we can :). I have been down this road before with others and myself even...

SO lets get this together and analyse what you have here.

 

I see you had £2900 in Aug 12 - That for a start was excessive. All of these loans appear to be pre 2015 when rules came into force but these reclaims centre around this.

The 2015 rules laid waste to all previous loans because they set a standard of how the market should be regulated.

 

Aug 12 is a concern and should be a focus for a reclaim.

Did you get your credit reports from that time or have you signed up today? If so go get them as you will need them. They will have default dates on them etc

 

Any CCJs we cant help get removed. But we can help you reclaim.

 

Was any gambling involved? I cant remember you if you mentioned....

 

BTW PDUK AND PDE are the same firm. So we can bundle those together - APR 2013 is a very big concern. They gave you 2 loans in the same month? From 2 different brands?!?!?

Thats terrible!

 

1st Stop - Reclaim deffo as they have given you more then one loan in a small period. 6 loans 11 months... Deffo irresponsible.

 

30 loans over a 2 year period. Lets get reclaiming. So do you have bank statements and your credit reports from either then or today?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ive worked it out - Around £17k including interest and default charges etc...

Anyway look at my previous post - Answer those questions and let get you on track ;)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you so much for looking at it! It's both terrifying and a weight being lifted seeing it all laid out and possibly being able to turn some of the mess around.

 

So, in answers to your questions:

 

1. Haven't got credit reports from 2012-2013. I only have them from earlier this year and onwards. I'm signed up to experian now and happy to keep that going so I can monitor it. Gonna get obsessed with my credit file. :lol:

2. No gambling, but started getting the loans after a separation and no access to other credit. At the time of starting them I know I had a barclaycard loan default, HSBC loan default and another credit card default on my credit file which must have dropped off a couple of years ago. Once I got into the trap of robbing Peter to pay Paul, I was using them for month to month living.

3. I have access to all bank statements and have downloaded them all.

Edited by Jess85
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Thank you so much for looking at it! It's both terrifying and a weight being lifted seeing it all laid out and possibly being able to turn some of the mess around.

 

So, in answers to your questions:

 

1. Haven't got credit reports from 2012-2013. I only have them from earlier this year and onwards. I'm signed up to experian now and happy to keep that going so I can monitor it. Gonna get obsessed with my credit file. :lol: (Sign up for Noddle and clearscore too - NODDLE ESPEC!!)

2. No gambling, but started getting the loans after a separation and no access to other credit. At the time of starting them I know I had a barclaycard loan default, HSBC loan default and another credit card default on my credit file which must have dropped off a couple of years ago. Once I got into the trap of robbing Peter to pay Paul, I was using them for month to month living.

3. I have access to all bank statements and have downloaded them all. (Keep them and used them if you need to provide evidence - However if the PDL firms had done proper checks on income etc they would have seen your reliance on loans ^_^)

 

Above & yes thank you for your PDF it was easy to put everything together :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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One more quick question for today – now that I've got a clearer picture on most of the loans (yep, my Sunday was fun!), do I still need to put in an information request to each lender, or can I start putting together my complaints based on and tweaked from other examples on here? Am I best to post them up here before I send? (keen not to bore you with the same letter X 11!)

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Its up to you on this one...

Youll have to wait for 40 days for each SAR Request and it costs £10.

Its up to you. Do you feel like you have enough info to proceed? Or do you need more info from each lender?

 

A SAR isnt always required. Follow your heart with the letters - only you know the misery and hardship they caused you. Tweak it to your circumstances.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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