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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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shazza26 v Lloyds


shazza26
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Hi

 

Im new to this can anyone help me. I have followed everything on this website which has been a great help but now iam unsure what I should do next.

 

I started my claim against llyods on the 27th November 2006 by sending my first letter I recieved a standard reply back from them stating that the were sorry i was unhappy but the charges stand blah blah.

 

So I sent them a letter on the 13th December stating that they had 14 days to reply and settle or i would take them to court. Those 14 days passed and I heard nothing and was waiting to get the funds to start court proceeding. Then today out of the blue I recieve a letter of them dated the 2nd January offering me £750 my charges far exceed this amount and obviously i do not want to except this offer, my problem now though is do I send a letter declining this offer but except it as part payment or do not acknowledge them and just carry on with court proceedings as they were late in replying to me anyway.

 

Can anyone help and has anyone else been made an offer like this

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This is what you need - looks like this is a common thing with Lloyds at the moment:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Subtract the £750 from your claim amount before the 8% is added on. You should be able to put it in the spreadsheet and it will adjust it for you.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks for that ill send my letter off tomorrow its madness that they are now offering everyone this figure do they not realise that we are not going lie down like dogs and accept there low inadequate offers

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can anyone help me im at the stage of filling out my N1 form to take to the court on monday. The problem I have is that now Lloyds have offer me £750 an I have sent the rejection/settlement letter stating I will except this as partial offer how do i now recalculate my interest and do i need to include it any where on my N1 form

 

Please can anyone help

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Please can anyone help me I have been reading this site now for hours and can still not find the answer i am looking for any help would be gratefully recieved.

 

My problem is if I deduct th £750 Lloyds paid me form my total what do i then do about the interest and do I state on my N1 that this deduction has been made and why, also where would i put this information i hope all this makes sense

 

Please please can anyone help

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Hi Shazza

 

sadly I am too tipsy to recall the names of the threads - but your question has been answered here.

 

I think, although not 100% that you need to accept the £750 by way of partial payment - if it is partial - and proceed with your claim. Also subject to other input, so far you have only had an 'offer' of £750, so on Monday, if £750 not in your account, continue your claim as you have prepared. To do so would not be disengenuous as the £750 is not real money

 

Hope this helps, but do wait around for further advice

 

regards

 

Paula

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cheers for that paula I have had the money in my account since yesterday and sent the rejection/settlement letter off last night but sticking to my deadline means i need to go and put my claim in on monday.

 

Im just finding it all confusing now especially with this latest tatic of theres. So now all i need to know is do I adjust the amount from the charges they impossed on me and leave the interest the same this is the bit thats confusing and now im not making any sense and i havent even had a drink!!

 

thanks for your help if this site wasnt here i think id have stopped at the first hurdel.

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Hi Shazza, sadly I have been drinking for quite a while, well not that sad, but my typing speed has ground to a halt.

 

Clearly you cannot claim what you are not owed. To do so may/will make you look unprepared. So, and again subject to more coherant input, i would personally deduct the £750 from the last batch of charges. That way you are off setting the charges which have accrued the least amount of interest.

 

I hope that makes sense

 

Regards

 

Paula

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thanks that makes perfect sense now I just need a bit of guidance and even if you have had a drink it aint showing your making pefect sense to me

 

Thanks for the input and help i will be abl to complete my form now

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Tah Dah!

 

Although please do wait for the more experienced to come along. My instinct says what Ihave said mustbe right, but instinct and knowledge are not always good bedfellows.

 

Chuffed to bits I make sense when 'fuzzy'

 

Regards

 

Paula

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hi

 

Im just about ready to take my claim to court and have filled out my N1 I want to take it tomorow but would like some confirmation that i deduct the £750 goodwill gesture from my charges before submitting my claim..

 

I know ive asked this question before but I would like to be sure as I do not want to mess things up

 

thanks

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Yes, you do deduct it.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Yes, you do.

 

If you want to keep it simple, do as Paula says and take the £750 off by removing £750 worth of the most recent charges.

 

What you could do though if you wanted to still claim all the interest, is divide 750 by the number of charges that you have. This will give you a figure which you can then subtract from each charge.

 

That way the £750 is deducted as a proportion of each charge, rather than as whole charges.

 

You could then still claim all the 8% interest on the total before the £750 refund up untill the date you received it. Thereafter you would calculate your daily rate from the new total after the refund.

 

With me?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks gary

 

Thats a great help just didnt want to mess thing up and wanted to be a 100% sure. I have done it the way paula said as it does seem the simple way.

 

So its off to Preston county court tomorow to put my claim in

 

Total to be claimed £2627.73

 

It would be nice to get this back as its Lloyds fault I got in so much financial trouble back in 2002 and im still trying to get myself straight now. Its amazing how back then they used to charge you twice in a month once at the beginning and then at the end. One month alone I had £200 pound in charges how can that possibly be justified if only they would take a case to court because I would love to see how that can be explained and justified.

 

Keep you all informed of how my claim goes and thanks everyone for your advice so far. Dont think Id have got this far with out it .

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Good luck Shazza:)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi all

 

Ive have noticed that alot of people have had a £750 pound goodwill gesture starting since the end of November but im just wondering whether anyone has recieved a reply back after sending the rejection/partial payment letter. Just curious as I would like to know if they approched any other tactics.

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STORY SO FAR

 

13/10/06 SARS REQUEST

 

23/11/06 STATEMENTS RECIEVED

 

27/11/06 PREM LETTER SENT

 

6/12/06 STANDARD REJECTION LETTER RECIEVED

 

13/12/06 LBA LETTER SENT

 

02/01/07 GOODWILL GESTURE RECIEVED £750 (nice but no good enough)

 

03/01/07 MONEY IN BANK

 

03/01/07 REJECTION/PARTIAL PAYMENT LETTER SENT

 

10/01/07 N1 FILED IN PRESTON COUNTY COURT

 

Let the fight begin:)

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Just to let you know that my claim is now in with Preston County as off 11am today.

 

Just out of interested nobody has answered my previous question

 

Has anyone yet received a reply back from llyods with regards to the £750 goodwill gesture being accepted as partial payment?

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No, they don't reply.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi

 

just an update and a quick query i have recieved my notice of issue today

 

Lloyds were served on the 12th January and they have till he 26th January to reply do i just still back know and wait for them to acknowledge wil they get in touch with me or the court i know this sounds like a stupid question but like many others I have never done anything like ths before

 

Bit nervous really.

 

Ive looked at the court bundle its looks fairly straight forward but am I right in thinkig I dont need to worry about this just yet.

 

One last thing do i need to le someone on here know my claim number

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Hi

If you PM one of the Moderators with your claim number and details of your claim.

Yes it's just a matter of waiting now for them to acknowledge, and then them to enter a defence. The Court will let you know when this happens.

Don't worry about anything, we are all here to help you:)

You can leave the Court Bundle until you receive a court date.

Good luck, and just ask if you have any more questions.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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No they didn't reply to me when I sent then the rejection / partial payment letter, this tactic of sending £750 at the moment you are about to go to court does seem to be to confuse the issue, I was caught out and made the claim for the full amount, even though the £750 was already in the account! GaryH said to just leave it like that and to tell the court what has happened... I have worked out the Interest to be deducted on the £750, by adding only the last few charges to the value of £750 and then the interest on those only is less than about £30.00, seemed the easiest thing to do. And meant that I got max interest on the longer length charges - does that make sense?!

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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