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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. 
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Advice regarding Lloyds/ Robinson way dates of birth being incorrect


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Hi there,

so as I write this this has been going on since 2005,

 

I got myself into debt when I was younger and couldn’t afford to pay it all back.

Lloyds put everything together and it came out over £20,000

this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts

 

I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month

this then changed to debt managers

and then onto clarity

 

Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way!

This is where it’s gets complicated - my dad was making the Payments from his account to Robinson way.

 

The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month - after contacting Lloyds they stated they had the right date of birth and had it right all the time.

It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at.

 

for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information.

 

But here’s the plot twist

apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me.

 

Unfortunately I have lost all faith in  Arrow. 

I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself 😢

 

I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial ombudsman who to be frank were terrible. 

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sounds like you've been cash cowed for years.

 

what is the type of debt please?

 

don't forget the golden rule...

a DCA is NOT A BAILIFF

and has

ZERO legal power on any debt, no matter what it's type.

 

 

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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Ohh God, don't pay these bloodsuckers another penny.

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

 

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No, No, No.

 

If it's burning a hole in your pocket, give it to your local food bank or homeless charity. Spend it in your local struggling high street, but not one more penny to those bloodsuckers.

 

Stuff all they can do to take the rest off you by now. Plus it's long gone from your Credit file.

 

Stop wasting your hard earned money on this!!!

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

 

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You've already spent (wasted) the equivalent of a deposit on a flat on this. There is nothing they can do to enforce this debt. DCA's have no legal powers, end of!  Alternatively you can carry on paying and throw away more of your money. This is the best advice you will get from anyone, I promise!

 

As for it going away, I disagree, it's already gone away!

We could do with some help from you.

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Wait until you get your DSAR request and gather all the data then send the following for the loans to the now legal owner of the debts.

 

 

 

Disregard the OD for now...but try to get a figure of the balance.

 

Andy

We could do with some help from you.

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Yup, CCA request and make sure  they have your correct address in writing. 

 

But the reality is my son was new born when you defaulted on this debt, he's taking his GCSE's next year!  It's over!

We could do with some help from you.

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9 minutes ago, Annoyed with Lloyds said:

I honestly believe  this stopped me getting a mortgage 

Nope, it would be invisible to lenders 6 years after default

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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who merged them all?

or did they?

 

send arrows a CCA request for each loan..

 

the trouble here is you've been blindly ringing people over +10yrs and these fleecers will say anything on the phone to con you into paying .

if lloyds have sold all the debts to arrows or robbersway or split them, 

why do you think they did that then?

 

they got <10p=£1 for them...

why didn't they take you to court and crush you>>> why sell it cheaply off...think about it...

 

 

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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one for each loan account number...

no need to contact them

you simply print 2 copies of the CCA request off and post each one sep...

ensure you READ all the posts in the CCA request link 1st

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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one loan number or one ref number.... the DCA or someone gave your debt long ago.

 

who rolled everything?

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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did you sign a new agreement or anything after lloyds merged everything..?

making it all say a consolidation loan?

 

when did you get this letter from lloyds to go into a branch and ID your self so you could get all the data (SAR was it you asked for?)

 

do you still posses the FOS letters? and when did you complaint to them?

 

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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Didn’t sign any agreement Lloyd’s just put it together. And it was just one single debt,

I asked Lloyd’s for all the information they held about me and after they admitted that they had my date of birth changed that this would be updated on the system

 

I asked for my information two weeks ago and I got a letter telling me that they couldn’t Identify me.

I have the email of Fos still yes.  

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so whats this about having to goto into a branch with ID

what was that for?

can you redact and post the FOS email here 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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That’s an SAR. Send Lloyd’s a copy of photographic iD along with either a council tax or utility bill .

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

 

If you want advice on your thread please PM me a link to your thread

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