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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.
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Australian debt - UK resident


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Hello!

 

Cannot believe I've only just found this website!

 

I realise there's many threads but none quite about my stage...

 

My debt is a $12k Aus Credit Card from last year.

They emailed and I ignored

then they called my work relentlessly until I was taken into a HR meeting about it.

They also called two people from my Instagram (one I didn't even know personally).

I've since privatised all my social media.

 

I emailed them a massive complaint detailing every ACCC breach and gave them my email and number.

 

 

They replied to my complaint last week addressing only the point about pretending to be someone else saying that they never.

No other points addressed.

 

Then I received a call stating I need to pay, it's not going away etc.

I told them I was at the brink of losing my job and I simply can't afford to pay it all ($12k) because I'm a student working part time.

 

 

They've then emailed me an income and expenditure form and requested my HR letters and 3 months bank statements. They are going to call next week to catch up.

 

I'm going to ASIC about my complaint not being addressed properly

but I'm not sure what to do in the meantime about the agent calling me next week wanting all my info?

 

I realise now from reading this I shouldn't acknowledge it but i simply had to due to work.

 

I have no idea what I can/should do??

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you IGNORE THEM TOTALLY

its a fleecing exercise and they have

NO LEGAL POWERS WHATSOEVER

they ARE NOT BALIFFS

and

they have NO jurisdiction in the UK anyway.

 

 

there are NUMEROUS threads on here about them

simple use our search

go see your HR manager

and SHOW them

the threads here

tell them to threaten them with a lawsuit if they continue to use your works number.

 

 

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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The thing is, I work in finance so I can be under investigation for poor integrity if they deem I've not paid.

 

That's the only thing they hold over me, contacting me at work if I ignore them.

 

Is it overkill and a waste of time to escalate me complaint to ACCC, ASIC, CIO and Econsumer?

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Yep you can be dismissed due to financial issues.

I have known several people working in financial services to lose jobs because of a court judgement on record. Others without court judgements have had to show they were repaying debt.

 

Credit corp have still broken rules regarding the contacts they made, so continue with your complaint.

 

You need to provide Credit corp with your UK residential address and advise them of your financial situation i.e income and expenditure.

 

 

Show them you have no means of paying and no assets such as a house.

 

 

They will then leave you alone for awhile and go after others.

 

 

corp use UK Solicitors, if it is worth going after people, because they have good income or assets.

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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Out of interest, if this goes down the route of them instructing a UK solicitor and they issue a court order and I contest on the grounds of no jurisdiction - would it still be a CCJ on my part?

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Yes, a UK court is likely to accept jurisdiction and if you lose you will end up with a CCJ. This is provided the Aussie credit agreement terms allows enforcement in a foreign court, which it probably will do.

 

But Stevensdrake Solicitors who Credit Corp use ,are unlikely to want to take to court, unless they could obtain a largish lump sum payment, to make it worth their while. In a few cases i have seen mentioned online, as soon as they realise they won't recover enough to cover their fees, they give up.

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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I see, I don't have any assets and live off a part time income whilst at uni.

 

I've emailed all the ombudsmans that would listen and emailed the agent back saying I want to await their response first and to not contact me by phone again, only by email.

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the fact that you might have a debt abroad bears no refs to your UK position in the financial market

sorry but they are having you over as a fool.

 

 

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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the fact that you might have a debt abroad bears no refs to your UK position in the financial market

sorry but they are having you over as a fool.

 

 

dx

 

Financial Services companies see debt as a problem, as it might tempt some employees to do things to help them pay debts off e.g set up loans etc.

 

There might have been questions asked when they applied for the job about having debts.

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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Threaten CC with a complaint to the Australian privacy commission.

That one they will listen too, its a massive no no to involve others and breach your privacy.

Plus advise that they are breaking UK law acting as debt collectors without a UK license.

 

I did this and more in one email and never heard from them again.

 

 

Maybe because i told them they did not have my permission to send electronic mail and was going to put in a complaint to Optus (who they were using at the time and maybe still are) to submit their mail server IP to the anti spam database.

 

Next time they call DO NOT answer any security questions ever.

You have a right not to answer those and they cant talk to you if don't answer them.

The privacy commissioner in Aus has advised you not to answer questions over the phone.

 

Just so you know what i did was totally ignore Stevens Drake solicitors and never heard from them again either.

 

 

They were claiming $33,000 on a credit card.

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i'd forgotten about you krios!!

you posts are VERY useful

 

 

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=8137546

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 I will help if I can as I have experience with these parasites from Aus.

 

It would help a little to know where the OP was living in Aus at the time of the alleged debt.

It can make a small difference for example Statute limits are different in the northern territory.

Unless things have changed recently.

 

 

Also each state has its own licence requirements for debt collectors.

 

It wouldn't hurt for the OP to let them know that we are following this on here on the forum for all to see too.

 

 

Credit Corp don't like this kind of attention as it helps others they are chasing to know their rights.

 

 

Don't suppose Stevens Drake solicitors in Crawly like the help given here either :-)

 

In my case I kept CC going for about three years until the account was statute barred.

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I might see if I can copy your various posts over the years to one thread

they wont all makes sense in the order they'll be as they'll be missing posts

but if I refer back to each thread

the whole of the info in one place could be a gold mine and a good focus for info.

 

 

thanks

 

 

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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There is a sticky with much of this info, which can be added to.

 

I should imagine that there will be a lot of former Aussie residents moving to the UK over the next few years, as there has been a massive credit binge in OZ over recent years, which will probably go wrong.

 

House prices for those on the ladder have gone up massively.

 

In many parts of Sydney, average prices are now nearly $1 million AUS.

 

And lenders are willing to lend unaffordable amounts, which will end up with repossessions.

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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@DX100UK Please feel free if you think it would help others.

 

It would be a good idea to look for posts by a guy called creditcorptrouble

He had the best info and at one time a full website that tracked all creditcorps breeches of guidelines.

 

He went to court a few times in aus to take them on and won.

He stopped posting after they went after him big time to close his website.

 

Cant say what happened but MY guess is they paid him off and included a confidentially clause.

 

 

As I said just my guess but after getting to know him it would be the only thing that would stop him in my opinion.

 

@unclebulgaria

 

That's been going on for 20 years or more.

When I was there two banks gave me credit cards with limits of $20,000 each and I was unemployed.

 

 

Every time I got near the limit they just increased it without my asking.

I went years paying one card with the other until I was so deep in debt bankruptcy was the only answer.

 

 

As a bankrupt I wouldn't have been allowed to leave the country so became a debt exile instead.

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Hello!

 

Thank you so much!

 

I was living in Sydney when I took the card out and was only in NSW/QLD/VIC.

 

I've advised them I only want correspondence via email and the complaint I sent

(which outlined 29 ACCC regulations and how each individual one was breached)

that they shrugged off,

 

 

I've escalated to ACCC, ASIC, CIO and Econsumer but I will also submit to the privacy commissioner.

 

 

I've advised them I'm not going to be in contact until I at least have my complaint looked at by these organisations.

 

It's really weighing on my mind.

I took this out expecting a much higher tax/super rebate to clear it but received WAY less that I realistically anticipated, which went on living costs in the UK until I got back into work.

 

Now I'm a student working part time, I don't have the means to support myself let alone this.

If I had the money, I'd pay it. I'd much rather that than the sleepless nights.

 

Your posts have really helped put my mind at ease though, can't thank you enough.

 

@unclebulgaria

 

Btw they are in such a massive credit bubble there, I dread to think when it bursts.

 

I'd been in the country six months and just had a temp job and six months left on my visa.

 

Provided my bank statements and visa, they gave me a $10k credit card that had an expiry date dated until the month my visa expired - crazy.

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@JonnyC89

 

I know its hard but you have to try and stop worrying so much.

Nothing happens fast with these parasites.

Apart from annoying people that is.

 

 

Stop talking to them except to complain and maybe request ALL information they hold on you which is your right under the privacy act. Only do that if they have your home mail address.

 

You don't have the money and no assets.

The worst they will try and do is refer it to Stevens Drake solicitors who wont take court action with a risk that they will be awarded £1 a month.

 

 

It will take them twenty years to get the court costs back.

They wont do it as others have already said.

 

 

The main thing is to stop them contacting you.

If you refuse to answer the security questions every time they will get tired of calling.

You just have to stick with it for a while till they move onto some other poor sod.

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Thanks so much Krios.

 

If it was a legit company, I'd actually set up an arrangement but I've seen the people on here that've paid instalments and had no record of it and the balance go up with charges etc. Feel like I'd be paying into a black hole.

 

I've been careful not to give them my home address. They requested bank statements etc to assess my income and expenditure but I'm not doing that for the very reason that it has my address on statements.

 

That's me also sent a complaint to the Privacy Commissioner detailing all of the breaches.

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Jonny,

They have no right by law to your income and expenditure details and your right about the charges. Interest alone was running at around 18% so all you would end up with a payment arrangement is owing them more each month than you started out with.

 

Also from what I heard of credit corp and payment arrangements is they still contact you every month to request/demand more and more money each month.

 

You will never get these people off your back till you refuse to talk to them. It does take time but they do give up eventually as there is not much they can do apart from harass you and embarrass you by calling your work etc. Not nice people.

 

To make a point here for others in your situation, there are any number of Debt collectors in Australia but the only company we hear of on this forum is Credit Corp

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Good news,

but they will come back at you so get ready for the next round :-)

 

No more talking on the phone and email only would be my next step.

 

When you get an email reply asking for Credit Corps UK debt collection licence so you can check they have the right to contact a UK resident.

 

We know they don't have that but they will come back with some crap about not needing one.

 

Then you file a complaint with the Aus regulators about their illegal actions in the UK.

 

See what we get from that :-)

 

Lots more we can do yet so relax and try and have some fun with it.

Have a read of this thread from start to finish

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK

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  • 3 weeks later...

Hello,

 

Just an update. Haven't heard from Credit Corp since lodging the complaints.

 

ASIC and CIO have came back asking for more info about the complaint/my finances so have sent those back :)

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  • 1 month later...

Did you agree for CIO to negotiate a repayment arrangement ?

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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