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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.

      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
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been paying Gregory Pennington 12yrs now


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I am asking this for my partner having read numerous posts on the subject

i would just like a bit of advice on the direction she should take

 

She has been with Gregory for about 12 years as far as she can remember,

she has paid off most of her debts and is not looking to dodge any debts she still has to pay off

 

Last week she received a call for her annual review she currently pays £35 per week and has never missed a payment

 

During the annual review (which i told her she was not obligated to do )

she told them that her financial circumstances had not changed

they interrogated her and came to the conclusion that they could no longer help her as she couldn't afford the payments that she had been making

 

This was mainly because she refused to include both my income and her adult sons income into the equation as none of the debts are anything to do with us

the position she is in now is that she has four debts totalling £2300 which i can pay off in full

 

The highest being about £900 the lowest £150

at present i cant be more accurate a

s i have not got the information to hand

i think that the money is owed to

Next,Santander and a DCA i cant remember the other one

 

What i need advice on is should she

 

A Contact Gregory pennington and ask for account numbers and contact details

B Wait for the companies that she owes the debts to contact her

 

If she takes option B will this affect her credit file as nothing is showing on it at present

 

Im hoping that if we deal with the creditors direct that i can secure a discount having never done this before what sort of discount should i ask for

Thanks in advance

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oh god 12yrs with greedy pennys

whereby most her money went on paying their fees

 

I bet 90% of her debts weren't even owed or were unenforceable anyway

as the greedy pennys never ever do any checks

just blindly recommend paying as they get a cut of her payments going out too back from each creditor.

 

just stop paying them

send GP an sar to get all the details.

 

the debts cant comeback on her credit file

as they would have been defaulted years ago and already been removed.

 

oh and when you do get the info

don't go blindly paying anyone

come back here

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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  • 4 weeks later...

this is the information she has received from greg pennington

 

National collections office £36 per month balance £940

Debt managers (scotland) £6 per month balance £174 (Next LTD)

National collections office £9 per month balance £255

Cabot Fianancial services £18 per month balance £532 (MBNA Credit card)

Santander UK £23 per month balance £558

 

I wrote earlier that she has paid off these debts for many years at £140 pm

which means that gp were taking £48 for passing the money on

but they served a purpose

 

we all know that people react differently to money issues so what has happened in the past regarding gp has happened

 

What we need to know is the best way forward

 

Cabot (suprise suprise) and Debt managers Scotland are the first out of the woodwork a letter was received yesterday ,

from there actions i would assume these are the two dodgy ones as they have already started the ball rolling to try to extract money from her

 

Just in case they start threatening stuff

can any of the debts have interest added by the current holders of the debt as all interest and charges were frozen at the outset

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sent them each a CCA request. [cabot, debt managers]

 

who the beep are National collections office ?

and what are the debt types

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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Silly me

Its NCO

A powerless DCA

 

Can we have the debt types and original creditors 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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  • 4 weeks later...

Sorry for the delay my previous post are about all the details we have I am trying to deal with them as the letters arrive so far only Cabot and national collections have contacted her

 

Cabot were sent a CCA request they have sent the postal order back and said they will endeavour to locate the information required but it may take more than 12 days they also

 

offered a discount on the outstanding amount of approximately £100

they also want her to ring and discuss with her where the funds are coming from and that priority bills are up to date if she was able to accept the offer

 

My thoughts are that they just want to obtain a phone contact so that they can apply pressure on her

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you NEVER EVER RING A FLEECING DCA OR THEIR DOGS.

 

no CCA = NO pay

and even then who says its enforceable!!

 

Can we have the debt types and original creditors 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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Ok im dealing with them as they come in the Cabot one is a credit card MBNA

 

The national collections one is a Next store card

 

Santander is a unsecured bank loan

 

I think the other National collections if littlewoods

 

At present I'm just in contact with Cabot by letter and email

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good one cash cow account removed

 

hows the sar to greedy penny's doing?

 

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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GP are collating all the paperwork which in their words is a very time consuming task how long do they have to complete the task

 

Also my thoughts are that the other debts won't have the relevant documents to enforce them

 

At present I'm just waiting for the other creditors to contact her but they do seem rather shy at present which is surprising

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40 days if you sent them a SAR??

 

The reason why they're ''shy'' is because they know they've been rumbled, and will no longer be getting their ill gotten gains.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Still heard nothing from debt managers who i sent a cca request which was a Next card outstanding balance of £168

 

However I now have a letter from a company called CSL ( credit security ) who say they have been instructed to claim the debt

 

Should I send these a prove it letter as it looks like its been sold on

 

If that's the case I doubt whether there's a valid CCA

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No send them nothing....... When did you send the CCA request?

 

TBH a pittance amount under 200 quid is pocket money.

 

I wouldn't waste my time chasing DCA's and doing their work for them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No CCA No pay.

 

If they're dumb enough to flog it on to another clueless dimwit then that's not your issue.

 

You simply ignore them for the time being.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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CSL/debt managers ...same lot!!

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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makes you think they have one of what?

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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Trying to make you think they have A signed credit agreement

 

To me it just seems like a waste of time if they havnt got a CCA

 

whats the point of pretending to be another company at the end of the day

 

they won't be able to produce one either

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do you think powerless dca's did anything else but spoof people :lol: that's all they can try and do

 

sadly 99% of the general population fall for their powerless threats.

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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  • 2 weeks later...

Quick update received reply from credit security Ltd reference CCA request

 

We are unable to action the enclosed as we are no longer instructed in this matter

Please forward all payments to debt managers --Next

We apologise for the inconvenience

They have returned the postal order

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