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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. 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. Can a PPC (claimant) 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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PRAC/BW chasing deceased mothers £89 EON bill.


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Hi,

I have just received a letter at my address from BW Legal/PRAC on behalf of Eon in the name of my deceased mother who passed away in May 2020. In the letter, it says she owes E.ON a sum of £89.59. 

 

Last year she was transferred into a care home for palliative care from hospital in February and therefore would not be returning to her council house and I informed council, utilities etc etc. We had 3 weeks to clear her house which we did. We cleared the house and handed it and the keys over to the council. We then informed Eon that the house is now empty and is in the possession of the council. Mum passed away in May 2020.

 

I was her executor of her will. The will was very basic and it was just small possessions to give to family. There was no money to leave. In a part of the will was she had life insurance policy which was spent on a headstone for her and my father. 

 

Please advised what to do next. 

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Arh probate - A Tough one. 

Once of the team will be along - Pretty sure you just need to send confirmation of her passing (Death Certificate) and confirmation that no further money exists in the estate. 

 

But weirdly enough - CARP Financial and Borked & Witherings Legal do initial background checks on their portfolio purchases so they should already know this. 

Hold out for a member of the team here... 

 

We could do with some help from you.

 

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If EON still own the debt, then write to them with a photocopy of the death certificate advising them that there are no funds remaining and that the Council took the property back from xx/xx/xx date.    Enclose a copy of the debt chasing letter from BW Legal and advise EON to ensure that no further letters regarding this matter are sent.

 

Because of the amount,  once the letter is received, they should just cancel the debt and stop writing.

We could do with some help from you.

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  • dx100uk changed the title to PRAC/BW chasing deceased mothers £89 EON bill.

do as above

stuff and all anyone can really do.

a dca is NOT a BAILIFF. zero legal powers

 

i would suggest that this debt has been SOLD to PRAC, and PRAC's letters do not state at the top 'our client EON'

 

 

 

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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Well I know that you are probably in a bad place right now but if it is correct that they've been informed and they have simply not processed the information correctly then frankly I would be after them for wrongful processing of personal data causing distress and I reckon the compensation payment would probably be in the region of £500 in the circumstances.

If you want a hand then we are here for you

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So I phoned up BW and informed them of the circumstances. I was asked to provide proof etc. This is the email and actual letter I sent to all parties involved (E.on, PRAC and BW)

 

Following my telephone call with your agent on the 4th December 2021, I wish to inform you that my mother xxxx xxxx passed away on the xxth May 2020. I enclose a copy of her death certificate for proof as requested. 

 

My mother has never resided at this address. It was used as a care of address whilst she was moving into a care home for palliative care. E.on was informed of the circumstances as soon as possible.

 

I was also informed by your agent that no further action would be taken and that I consider this to be end of the matter. 

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I really would send eon and also PRAC each a subject access request. It costs nothing and it may help you to understand what has gone on and also the route out of it

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My best guess is that when we surrendered the house back to the council, we informed them of the utilities already in place and that the council didn't contact eon. 

The council was going into lockdown that day and I guess things got missed etc. 

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I would send them an SAR as well.

I would find out who had made the mistake then I would go in all guns blazing – although that may not be to your taste.

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Don't worry I intend to get to the bottom of this. 

I assume that I cannot be chased for this in anyway ? Or if I am chased I can ignore and not play their game ? 

It's just the principal of it all. To ask my mother to pay a "debt" 18 months after her death isn't on.

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no you can't

yes you can ignore

 

have you a PRAC letter par chance?

does it say our client EON.?

 

i suspect EON sold the debt on to a debt buyer (PRAC) hence the letter from BW states our client PRAC.

 

it would say our client EON if the debt was not sold on.

 

a dca can't assign a debt to a 'solicitor' (even if it is a fake paperwork one in a way as its PRAC using their letterhead in the same printer) when they are not the debt owner.

 

 

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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really, they should not be putting a sols onto her, as thats just another DCA then now anyway.

 

you might well get some serious compo out of EON for this.

 

atrocious behaviour for EON.

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 actual timeline is mum transferred from hospital to care home 18 Feb. We cleared house etc and handed keys back to council 17 March. We informed Eon on the 17 March and gave a final meter reading (Key meter) We assumed that was it. Mum died 25 May in care home. 

Don't know if this makes a difference ? 

 

Just remembered that when giving final meter reading to Eon, the final balance was worked out to be in credit for what they are chasing for now £89.59.

They sent a cheque to my address. It was spent on admin for her estate, death certs, letters to creditors etc.

 

Also BW are saying the debt owed is from the 7th March to 10th May 2020. 

This clearly cannot be possible. 

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Then if you want to press forward, send the subject access requests. There could be some reasonable compensation here – and maybe your mother would be pleased about it.

Until you send the SARs, I'm afraid everything is speculation

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so its an old bill that they found she had not paid when closing the account.?

 

 

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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No not a bill at all.

She was in credit by £89.59 when the account was closed. 

They sent the check to her care of address (my address) as she was in a care home.

Edited by dx100uk
unnecessary previous post quote removed
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5 hours ago, HertsCorn said:

My mother has never resided at this address.

 

so the eon A/C was never in her name anyway?

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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EON may have paid £89 refund in error and now they want it back.

 

Up to you really. But once you have sent the copy death cert that should stop any further communications.  You can of course look to take this further, but whether you would easily gain any compensation, is the question that you need to ask yourself.  They may dig their heels in and you then get into months of ping pong communications.

We could do with some help from you.

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7 hours ago, dx100uk said:

 

so the eon A/C was never in her name anyway?

Yes it was in her name at her address. 

She used my address as a care of address when she moved into a care home. 

I was managing her affairs from my address while she was in the care home. 

Eon was made aware of this and agreed to it. 

She/we used the Royal Mail redirection service from her old address to my address. 

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28 minutes ago, unclebulgaria67 said:

EON may have paid £89 refund in error and now they want it back.

That's their problem. They said account was £89 in credit when it was closed. Sent the cheque after about 3-4 weeks.

They can't get it back from dead people. Unless they hold a seance.

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So we are talking about money which they may have paid her an error.

This is well over 12 months ago.
When was a refund actually made

How long ago did they start chasing for this debt?

What are BW legal proposing to do about this debt? Are they chasing you personally or are they chasing your deceased mother?

It is most unlikely they'll take any action on a debt this size – but if they did then there is clearly an estoppel.

It might also be worth looking at the effect of the backbilling code on this. If the time between making the refund and the time they started chasing for it is more than 12 months, then they are breaking the code.

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Sorry to hear about your mother's death @HertsCorn

 

I had a similar situation with E.On when my mother died and I was her Executor, although not involving DCAs. Some organisations seem unable to grasp that the person they claim owes the bill is no longer alive. I did find though that once I'd provided the Death Certificate that was the last I ever heard of it. Even debts my mother had owed and I was willing to pay from the Estate were never collected.

 

Can you clarify your post #7. Have BW agreed that they will not pursue you for payment and won't contact you again? Have they confirmed it in writing?

 

In answer to your general question about whether they can pursue you personally the answer is no (assuming you weren't personally guaranteeing your late mother's E.On account, which I'm sure you weren't). As Executor you have to settle the bills of the deceased out of the Estate but you were fully entitled to assume that E.On had closed the account as they'd sent you the closing account balance by cheque after you had given them the final reading. Neither Executors nor family members are legally responsible for the debts of someone who has died. And even if the Executor had been negligent no-one is likely to pursue court proceedings for £89.

 

 

 

 

 

 

 

 

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22 hours ago, BankFodder said:

So we are talking about money which they may have paid her an error.

This is well over 12 months ago.
When was a refund actually made

How long ago did they start chasing for this debt?

What are BW legal proposing to do about this debt? Are they chasing you personally or are they chasing your deceased mother?

It is most unlikely they'll take any action on a debt this size – but if they did then there is clearly an estoppel.

It might also be worth looking at the effect of the backbilling code on this. If the time between making the refund and the time they started chasing for it is more than 12 months, then they are breaking the code.

Refund was in March/April 2020.

 

The first I became aware of this was the 4th December 2021 via letter to my address.

 

BW wants to offer a 70% reduction to about £26ish.

They are not chasing me personally. They are chasing my dead mother. 

 

I'm not paying towards their Christmas party drinks bill. 

 

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