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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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        • Like

Backdoor Erudio CCJ - old Student Loans - Already SB'd - ***Claim Discontinued***


Badgergirl25
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already have hidden them you're safe

i cant see we need anything other than the default notice.

though i've yet to workout why they took till 2016 to issue one.....could it have been the debt was gonna reach statute barred date and they wanted to halt that...no...surely a fleecing DCA wouldn't do that....:pound:

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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On 22/01/2021 at 21:27, Badgergirl25 said:

I know it was stupid of me to not get back in contact after I moved and I thought it got written off at age 50. (I'm 53)

 

so this would mean 2018..so no real link as to why they decided to issue a DN date wise...

 

but if  a DN was issued months even years after your last letter to anyone regarding admittance to any debt.

to me thats looking like 2011?

 

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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Share on other sites

18 hours ago, Badgergirl25 said:

 

Good evening

 

We email further to the below.

We received our instruction on the 6 February 2017. We have issued correspondence regarding the balance outstanding and the legal proceedings in relation to the matter. The Court would have also contacted you regarding the Claim and the subsequent County Court Judgment dated 9 November 2020.

We note that you assert this debt to be subject to the Limitation Act 1980 section 5, however, this is incorrect as the account defaulted on 9 November 2016, and as . Documentation from our client is attached.

If you are unable to repay the balance in full please complete an income and expenditure form and return the same to our offices, as there is no formal arrangement in place.

 

You may complete this via our customer website www.drydensfairfax.com/customer, or by telephone on 0113 823 3388

 

We trust this clarifies and look forward to hearing from you.

 

Kind regards

 

i thank you for your email , it's contents are duly noted.

 

i'm not sure what rule book you are operating under but your statement that a student loan account, is exempt from the Limitation Act section 5. is totally incorrect. old style student loans can become statute barred.

 

The new style post 1998 SLC Loans , of which none have been sold by the gov't to anyone yet, let alone debt buyers like your client do meet your statement above. i wonder if you are getting confused or are trying to trick me?

 

Having sought information provided by the ICO Information Commissioners Office, my last contact with anyone, which is contained in an sar from and confirmed by, the SLC in writing, was by a deferment directly to them in 2011.

 

The issuance of a default notice by yourselves as a debt buyer and not from the original creditor, some 5 yrs+ after my last 'acknowledgement', is totally immaterial and does not reset any sb clock. 

 

It was also pointed out to me that both yourself, working for Drydens and your Client Erudio are part of the Arrows Group, and that the Arrows Group attained some kind of landmark appeal some years previous that might have deemed that any SB date is measured by adding 14days to the issuance date of a default notice. this however is not retrospective and does not apply in my case being 2011.

 

i give you 14 days from the date of this email to remove, by whatever method you wish to employ, as long as this is free of charge to me, the CCJ number xxxx you unlawfully gained by default judgement on date xxxxx, as the debt was already statute barred.

 

should you fail to do so i will, without further notice, issue a set aside and will be seeking financial compensation for the damage done to my credit worthiness and the set aside issuance fee.

 

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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Share on other sites

Thanks. I will email in the day word for word. Not this moment though or they will know I'm having a sleepless night. 🥴

 

Quick question, I've not heard anything back from SLC regarding the SAR request. However, I do have the last deferment letter. Should that part be re-worded or left as is?

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no they will not be aware of any private comms between you and the SLC.

 

 

 

 

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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Share on other sites

Received just now...

 

Good afternoon

 

We email in reference to the above.

 

We have requested further documents from our client and will be in a position to respond shortly.

 

Kind regards

 

Tabitha Bennett
Technical Litigation Officer
drydensfairfax solicitors
Email
[email protected]
Telephone +44 (0)113 823 3388
Fax +44 (0)113 823 3898

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  • 4 weeks later...
On 16/02/2021 at 01:38, dx100uk said:

should you fail to do so i will, without further notice, issue a set aside and will be seeking financial compensation for the damage done to my credit worthiness and the set aside issuance fee.

You should have started your claim when you said..they are laughing at you.

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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you should be researching on CAG regarding how to issue an N244 set aside, and i note its already been mentioned in this thread...you've had since january when this was 1st advised...

 

why don't you send her a chase email.

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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Share on other sites

I am saving up for this as best as I can but can only do about £40 a month. I guess they will have to laugh at me for a few more months then until I can afford the set aside fee.

 

Update:

This has stressed me out long enough now and I have managed to beg and borrow part of the fee I need to pay today.

 

I have had a look at other set asides on your site but still unsure what to put.

Please could you advise me of how to word the application?

 

Do I put that the debt was statute barred AND that I never earned enough and it should have been deferred?

Do I say that it was sent to my previous name and address?

Should it be a hearing or not or by telephone hearing?

Also what I should attach.

 

Thanks

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On 19/02/2021 at 12:35, Badgergirl25 said:

Received just now...

Good afternoon  

We email in reference to the above.

 We have requested further documents from our client and will be in a position to respond shortly.

 Kind regards

 Tabitha Bennett
Technical Litigation Officer
drydensfairfax solicitors
Email
[email protected]
Telephone +44 (0)113 823 3388
Fax +44 (0)113 823 3898

 

why don't you email back asking for an update?

 

dx

 

  • Thanks 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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Share on other sites

  • 2 weeks later...

Reply today...

 

Good afternoon Madam,

 

We write further to the above matter and your recent emails.

 

We confirm that this account has been placed on hold as we are currently awaiting the requested documents to be sent to us.

 

Unfortunately, we are unable to provide a timescale as to when our client will revert back to us. However, we will provide you with an update as soon as possible.

 

Kind regards

 

Sylwia Wegrzynowska
Officer
drydensfairfax solicitors
Email 
[email protected]

Fax +44 (0)113 823 3898

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well they aren't enforcing the CCJ so it looks like they remain in doubt it should ever have been granted.

unless the CCJ being there is at present hurting you or upsetting imminent plans  lets give them rope for a few weeks to get this info.

then we'll pull the rabbit out the hat with regard to your last deferment  proof.

 

 

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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Share on other sites

Yes, I agree with you. I will wait a little longer and see what they come up with.

 

The CCJ isn't affecting me as far as I know. It didn't seem to make any difference when I recently applied for a Barclaycard for a zero fee 0% balance transfer or my new phone contract.

 

It hasn't appeared on Equifax or Experian yet either, which are showing my credit rating as high. I didn't even know it was there until I took your advice to get a full credit report and which showed the CCJ on Transunion. 

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  • 2 weeks later...

UPDATE: Email and SLC statement received today...

 

Good morning Madam,

 

Please find attached statements provided by our client.

 

Should you have any queries please contact us within the next 7 days.

 

Kind regards

 

Sylwia Wegrzynowska
Officer
drydensfairfax solicitors
Email
[email protected]

Fax +44 (0)113 823 3898

 

 

student loan edited .pdf

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On 16/02/2021 at 01:38, dx100uk said:

 

i thank you for your email , it's contents are duly noted.

 

i'm not sure what rule book you are operating under but your statement that a student loan account, is exempt from the Limitation Act section 5. is totally incorrect. old style student loans can become statute barred.

 

The new style post 1998 SLC Loans , of which none have been sold by the gov't to anyone yet, let alone debt buyers like your client do meet your statement above. i wonder if you are getting confused or are trying to trick me?

 

Having sought information provided by the ICO Information Commissioners Office, my last contact with anyone, which is contained in an sar from and confirmed by, the SLC in writing, was by a deferment directly to them in 2011.

 

The issuance of a default notice by yourselves as a debt buyer and not from the original creditor, some 5 yrs+ after my last 'acknowledgement', is totally immaterial and does not reset any sb clock. 

 

It was also pointed out to me that both yourself, working for Drydens and your Client Erudio are part of the Arrows Group, and that the Arrows Group attained some kind of landmark appeal some years previous that might have deemed that any SB date is measured by adding 14days to the issuance date of a default notice. this however is not retrospective and does not apply in my case being 2011.

 

i give you 14 days from the date of this email to remove, by whatever method you wish to employ, as long as this is free of charge to me, the CCJ number xxxx you unlawfully gained by default judgement on date xxxxx, as the debt was already statute barred.

 

should you fail to do so i will, without further notice, issue a set aside and will be seeking financial compensation for the damage done to my credit worthiness and the set aside issuance fee.

 

dx

 

 

 

dear xxx

 

i refer you back to my email dated^^^^

 

you replied indicating you were awaiting documentation.

 

you have now replied today with a series of SLC statements , which do nothing really other than confirm what was already apparent and known, that no payments had ever been made nor were ever due from me at all regarding the period my loans were directly administered by SLC before the sale to your client. Which not to be too blunt, confirms the debt WAS already statute barred by the time your client bought the debt and latterly issued a backdoor claim form and the resultant default CCJ.

 

i was under the impression you were investigating and awaiting documentation that confirmed my above claim? So have you also received my annual deferment forms which proves none exist past year xxxx and are you going to set aside the CCJ FOC to me now because of you clients obvious mistake

 

or do i have to raise an N244 at my expense against them and thus claim back that cost and financial compensation to the irreparable damage to my credit worthiness over all these years through court??

 

thank you for your time..

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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Received today...

 

Good morning

 

We write to confirm we are still awaiting further documentation on this account from our client, specifically the Default Notice. The statements sent were the first lot of documents we received from our client that we sent for your information.

 

We note that you assert this debt to be subject to the Limitation Act 1980 section 5, however, this is incorrect as the date of default was 9 November 2016 and legal proceedings issued against you on 8 March 2017. Therefore 6 years has not lapsed since a cause of action was issued against you and therefore the debt is not statute barred.

 

We will contact you upon receipt of further documentation.

 

Kind Regards

 

Sarah Gledhill
Officer
drydensfairfax solicitors
Direct line +44 (0)113 823 3443


Fax +44 (0)113 823 3898
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On 16/02/2021 at 01:38, dx100uk said:

Having sought information provided by the ICO Information Commissioners Office, my last contact with anyone, which is contained in an sar from and confirmed by, the SLC in writing, was by a deferment directly to them in 2011.

 

The issuance of a default notice by yourselves as a debt buyer and not from the original creditor, some 5 yrs+ after my last 'acknowledgement', is totally immaterial and does not reset any sb clock. 

 

It was also pointed out to me that both yourself, working for Drydens and your Client Erudio are part of the Arrows Group, and that the Arrows Group attained some kind of landmark appeal some years previous that might have deemed that any SB date is measured by adding 14days to the issuance date of a default notice. this however is not retrospective and does not apply in my case being 2011.

 

i give you 14 days from the date of this email to remove, by whatever method you wish to employ, as long as this is free of charge to me, the CCJ number xxxx you unlawfully gained by default judgement on date xxxxx, as the debt was already statute barred.

 

should you fail to do so i will, without further notice, issue a set aside and will be seeking financial compensation for the damage done to my credit worthiness and the set aside issuance fee.

 

dx

 

 

repeat the above 

then be prepared to issue a court claim on day 15.

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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Thanks. Should I send word for word as before? 

 

Quick question for 15 days time, is it definitely SBd and will the judge see it as such?

Drydens keep arguing about this Erudio lot sending a DN 5 years after the last deferral to my old name and address resets the clock. Has anyone won yet? 

 

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