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    • 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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Capital One PPI Debacle - Can we complain ?


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I wonder if I could ask for some help please?

Around a month ago I joined the boards asking for some help claiming back PPI

I was advised to write to my old accounts issuing to them a SAR.

Both myself and my husband did this.

 

One of his past CC accounts was with Capital One

they had a SAR sent them them.

 

Myself and my husband have been together 22 years and during that time have shared 3 homes together so all our previous addresses were listed.

 

Two days ago to my home address of 13 years a letter arrived in the name of my brother in his fully name but to my address.

Mr brother lives 35 miles away and has never lived with us.

I would also like to make you aware that my Brother is sadly terminally ill with a brain tumour with just a couple of months to live.

 

I do not drive

yesterday went with my parents in my Dads car to visit my Brother taking along this letter.

 

As you can imagine my Brother is very unwell and having daily Chemo and other treatments to try to give him more time.

He opened the envelope and started to cry seeing that it was from a Credit Card company.

 

As a family we have slowly began to wind up my Brother affairs and my BrotherS memory is in no way accurate now.

He got really worked up saying that he has never had a Capital One credit card and he owes no money.

This got him in a very bad state.

He many times questioned himself and had he forgot that he did hold such a card.

 

I asked to read the letter and it clearly states my Brothers FULL Christian name on this letter but my address.

The letter thanks my brother for his letter to Capital One

however they have been unable to enclose the documents requested as the signature on the letter does not match their records

then it goes on to mention confidentiality and asking for a copy of a current passport to be sent them at a given address to confirm identity.

 

Putting 2 and 2 together I explained that I thought this letter was in fact for my husband not my brother and told my now highly emotional brother I would take care of this.

I would also like to point out that my brother does not have the capacity to write his own name now let alone type a SAR.

 

All the way home in the car I got lots of questions form my parents about our current financial situation questioning are we about to go bankrupt.

I am a very private person and would not wish to share our financial situation which actually is quite good to anyone let alone my parents.

 

Now id also like to point out that both my Husbands and Brothers Christains names both start with the same initial so for instance my Husband is A.B. Smith and my Brother A.C.Smith funnily enough im another A. Smith.

 

The SAR was signed by my Husband as A.B Smith and of course no mention of any other name.

Mr A.B. Smith was also typed under his signature.

 

Im so angry about this.

I've had to explain to my family and Sister in law our financial situation and ive made my dying Brother cry and upset thinking he was leaving a debt behind my family would need to find the money to pay off.

 

Can my Husband complaint to Capital One?

What if anything have they breached here?

 

Am I being too sensitive about the situation especially as its upset my Brother.

I cannot think of any way they could have connected my Husband and Brother.

 

Please do ask if you need any further information and Kind regards

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Hi.

 

I'm so sorry to hear about your brother. Clearly he doesn't need this.

 

Do you think he would sign a letter authorising you or your OH to speak to Cap One on his behalf, if one is needed?

 

If the debt is only in your brother's name, I don't think the family will be responsible for it.

 

HB

 

Illegitimi non carborundum

 

 

 

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Hi Honeybee

There is no debt.

This letter was sent to us in reply to a SAR that my partner not my Brother wrote.

to see if we had PPI but needed to do a SAR request first.

For some reason theyve addressed my partners letter to my Brother.

 

As it was addressed to my Brother I passed the letter to him.

Somehow Capital One have wriiten a letter meant for my partner but addressed it to my Brother at my home address.

My Brother has never lived with us.

I know it sounds unbelieveable but this is genuine

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Did you send a crack copy with the request?

  • Like 1

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 autospell

did you send a CTAX copy with the SAR?

 

  • Like 1

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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Ive just Googled what a crack copy is and to be honest im not very computer savvy. All that was done was we took a SAR templete adding the correct details.

So our past addresses.

The letter was signed by my partner with the words A.B. Smith for example under the signature

 

Hes requested other SAR from other companies using the same template and weve had them through with no problems.

 

I cannot understand how theyve linked my parner and Brother especially as hes never lived here and lives a good 35 miles away. 

But as I said my parner is A.B. and Brother A.B initial wise

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really ...that's very bad of cap1 then.

ICO/FOS complaint time and seek compo IMHO

  • Like 1

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 the card was taken out where you presently live no ...no need

but you prob confused them then by listing unnecessary old addresses

  • Like 1

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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Thread moved to Capital One Forum ..please continue to post here to your thread.

 

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

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  • 1 month later...

He wrote to Capital One as an official complaint.

They replied giving him the SAR documents and saying they had passed the complaint on to the correct department.

 

Today my hubby has received a response form Capital One upholding his complaint.

They said that when they received the original letter they located the account correctly and arranged all the documents to be sent that were relevant to the request.

 

However when the letter was sent to us the agent incorrectly addressed this to my brothers name so the mistake was that of human error.

 

As a way of apology they've arranged for a £100 cheque to be sent to my husband.

They state this is Capital Ones final response to the matter but we have the right to take it to the FOS.

 

This never has been about compensation.

No amount of money can change what's happened.

 

Im cross as what my husband asked for within his complaint letter hasn't been addressed.

This was a copy of the original SAR to be sent to him that he wrote to Capital One.

We do have a copy of this saved on our home computer but we wanted a copy from them in case we had to take this matter further and they denied what was written.

No copy was sent with the letter.

 

Theres 100s of men names why did the agent use my brothers?

Ok there going to say its pure coincidence his name was used.

 

I would now like to take this further.

Can anyone please advise how I ask for the FOS to step in?

We are in no way bothered in the FOS remove the £100 cheque from us as this is money that I do not want .

 

We believe that GDPR regulations have been breached at least twice by sending this letter.

 

This is based on the following taken from the GDPR website

- The GDPR defines a personal date breach as “a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, personal data transmitted, stored or otherwise processed

 

Integrity breach”

– where there is an unauthorised or accidental alteration of personal data.

It should also be noted that, depending on the circumstances, a breach could concern confidentiality, availability and integrity of personal data at the same time, as well as any combination of these.

 

Would anyone please be as kind as to offer any advice moving forward.

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  • dx100uk changed the title to Capital One PPI Debacle - Can we complain ?

yes ofcourse you can

and complain to the ICO too.

give them both a ring MOnday

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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Should complaints not be put in writing please?

 

Also what info do I need to give them?

 

We havent actually got all of the things here requested from Capital One yet either.

As the response was the ned of the matter am I not allowed this now?

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the fos will request what they what directly

give them a ring and discuss things with them

they will advise what to do.

but yes ofcourse this will end up in writing

 

didn't say complain to them anyway, just phone for advice on WHAT to do.

they will tell you the steps to go thru.

 

dx

 

  • Like 1

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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