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    • 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.
    • 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?
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      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.
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Tax Credits overpayment


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Hi

 

I wonder if anyone has managed to have their tax credit overpayment written off?

 

I got a letter in 2015 from HMRC telling me I owe £390 from 2009. I have no other details. They past the debt to Pastdue. I read all the tax help I could and found this

 

“Claimant is on sickness/incapacity benefit

Where a claimant is in receipt of a sickness benefit such as incapacity benefit or employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should write off the outstanding overpayment. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period.”

 

 

I wrote to Pastdue, sent them income / expenditure and said I couldn't afford to pay and asked them to write the debt off as per HMRC guidelines. I got a letter back a week later saying past back to HMRC

 

I heard nothing till today when I got a letter from HMRC saying I owed them £390.

 

I went back to my letters and checked my link, it's now changed slightly to this

 

Claimant is on sickness/incapacity benefit

 

Where a claimant is in receipt of a sickness benefit such as employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should remit the outstanding overpayment. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period. If the claimant becomes entitled to universal credit then the tax credit debt can be collected by DWP from the UC award.

 

I called HMRC to ask ask for them to write the debt off and was told I need to call back with a full income / expenditure but he said they don't write any debt off...

 

so, I am confused as to why the website would say this, why I haven't heard anything for years and wonder what is the best way forward.

 

I can't afford to pay them anything, but would pay £1 a month to stop any further actions.

 

any help?

 

thanks

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I had more than £11,000 written off. It would seem that you have already found the online COP 26.

 

9 times out of 10 you will get a negative answer if you ring up. Send it to them in writing , giving details of your illness. I recommend a note from your GP/ Consultant explaining medications, side effects etc.

 

Also take a look at this thread

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481277-Tax-credit-Overpayment-..-PLS-Advise-**-RESOLVED-**&p=5088400#post5088400

We could do with some help from you.

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  • 1 month later...

so I wrote to them...sent income and expendiure but messed it up..I said my daughter is paying my half of the mortgage till house is sold, but never went on to tell them it's in negative equity and after the charging order is paid ( put that as debt ) there is no money.

 

I didn't add PIP as I thought it didn't count towards income? I did put petrol on but no other costs as PIP covers everything else

 

this is the reply from them

 

You indicate you heard nothing between 2009-2015 although we did send letters regarding this. We also attempted to recover this amount through your PAYE in this time. On returning from DCA your overpayment is still due and payable. If the amount was remitted we would have notified you about this.

 

You provided income and expenditure as written indicates negative income. There is no explanation as yo how you are affording to spend more than you receive financially.

 

Omitting non necessary items from your income and expenditure shows you are in a position to repay this overpayment. You also list assets that ca be used for recovery of what is due.

 

Please call us immediately to discuss repayment options. Further legal action will be taken if you do not pay.

 

 

 

 

I don't know how to respond - can I offer £1 a fortnight? I would rather try to get it repaid rather than they take my benefits for a few months....it is only £390 outstanding so don't want any court hassles...

 

any ideas?

 

thanks

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PIP does not count as income as far as I am aware. It is a disability benefit to enable you to live independently. Benefits that are counted as income would be Universal Credit, ESA, JSA. If you claim such benefits, they would make a deduction towards the debt. If they could have made such a deduction from PIP they would have done so.

 

Up to you. Send more accurate income/expenses info and ask for this to be looked into again. Or just accept you owe this debt and offer them £x per week, based on the revised income/expenses details you send them.

We could do with some help from you.

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hi

 

I will just accept it and make on offer, I can't deal with the stress ( already been sick after a panic attack when I read the letter)

 

it's £390 I owe, so if I offer £10 a month, it will be gone in 39 months or less if I can pay more.

 

Does anyone know of an amount they will accept?

 

I am on ESA

 

Thanks

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ESA is in a bit of a mess at the moment. DWP have closed offices as part of transfer process to UC.

 

Might be why no deduction from ESA yet.

 

Think normally the longest period of repayment is 24 months.

We could do with some help from you.

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Could be worse. Have seen people with debts of tens of thousands !

We could do with some help from you.

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it's all relevant to where you are financially :-( I think they shouldn't be able to do anything this far down the line...and when they know I am on benefits...we all know there isn't anything left over from paying for essentials :-((

People have had thousands written off as well...I never gt things to go in my favour!

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I had more than £11,000 written off. It would seem that you have already found the online COP 26.

 

9 times out of 10 you will get a negative answer if you ring up. Send it to them in writing , giving details of your illness. I recommend a note from your GP/ Consultant explaining medications, side effects etc.

 

Also take a look at this thread

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481277-Tax-credit-Overpayment-..-PLS-Advise-**-RESOLVED-**&p=5088400#post5088400

 

When you wrote to them did you do this ?

 

Please read this thread

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481277-Tax-credit-Overpayment-..-PLS-Advise-**-RESOLVED-**&p=5094404#post5094404

 

And this one, local MP got involved!

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481027-DWP-Dea-overpayment-of-tax-credits-or-UC-from-yrs-ago!-**RESOLVED-BY-MP**&p=5070721#post5070721

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We could do with some help from you.

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Hi,

 

Yes, my original letter I asked for the £390 to be written off due to financial hardship - I got the info from direct gov website rather than COP26 leaflet - this is what I quoted in my letter

 

“Claimant is on sickness/incapacity benefit

Where a claimant is in receipt of a sickness benefit such as incapacity benefit or employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should write off the outstanding overpaymenticon. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period.”

 

 

I think my problem is that I didn't include PIP but put petrol on income / Expenditure form. I also have a joint mortgage with my daughter, who is currently paying it all. This started in April when the Mortgage interest payment changed from a benefit to a loan. I have a CO on the property and we didn't want DWP putting another on. The house is currently up for sale for less than paid. We also have a homebuyers 25% loan to repay, so assuming it sells at current price there will be nothing after Mortgage, Homebuyers loan, CO, solicitors and estate agents fees...I didn't go into all this though as I didn't know how to word it all without looking like I was trying to avoid them or worse, they go after the house....I did say my daughter was paying my half of the mortgage though, but not that house is up for sale. AM sure they check rightmove etc!

 

They know I haven't worked since May 2011 and they know I am on ESA in the support group. I did explain this and say I had a chronic condition with very little chance of any change to my circumstances.

 

I am in a luckyish position that my daughter makes sure all the bills are covered which is why I am not in arrears with these. but once I move, money will be tighter for me

 

I just feel totally overwhelmed by them and not really sure what is essential ...they accuse me of omitting non essential items - I don't even know how to respond to that!

 

I didn't lie or try to deceive them, I tried to write a letter stating the facts and include as much information as I could, yet I feel they have picked over my letter and replied in a very negative accusing way along with a threat of further action.

 

it seems unfair they can chase something after 9 years and not a word for 3 years

 

Sorry to rant on!

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Do as I said.

 

Your income / expenditure here is irrelevant. You have received their stock answer. Explaining your sickness and a GP/ Consultant's letter will get the debt written off.

 

1. get a letter from your GP / consultant explaining your illness, treatments side effects etc and that stress is not good for said sickness

 

2. Write off to them with a copy of said letter, explaining that you are sick, and unable to work , and on X treatment, and that any further harassment could make things worse, as it is putting on a huge amount of stress (you can ask your GP to write that). Tell them if they need any more information feel free to contact said GP Consultant.

 

3. They will write it off because they get 1000's writing with reasons they can't pay but a tiny percentage like you proving that you are ill and therefore HMRC will not want to be responsible for making things worse for the sake of £390

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

 

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