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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Geek vs Loyds TSB


Geek
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Hello all,

 

Just my humble account of my attempts to reclaim the charges against my account!

 

I started it all with my first letter on the 2nd December 2006. This was requesting just under £1400 in charges.

 

The bank responded with a letter stating that they were sorry I was unhappy, but that they did not believe that the charges were unlawful. They stated that they were not willing to repay any of these charges back.

 

My second letter was sent on the 13th December (just after receiving their letter). In this letter I stated that I was disappointed with them, but that I was going to start court proceedings within 14 days. I stated that I was going to claim statutory interest in court, but that I would allow 14 days for Without prejudice settlement in full of all charges (without interest).

 

I filed a claim on the moneyclaim.gov.uk site last night (2nd January 2007)... :)

 

Today (3rd Jan 2007) I received Lloyds' "Final Response". This was a statement that they accept no liability, that it was all my fault, that I was being unreasonable etc. etc. Bottom line was that they do not usually adjust charges, but that they are prepared in this instance to reduce the charges by repaying £750 to my account as a gesture of goodwill.

They (again) stated that they do not consider that they have any legal obligation to do so.

 

Further to this...

 

I have checked my account and they have already paid this money into my account. What position does this put me in?

 

Should I just leave this money in the account untouched? (The account is not used now).

Should I send them a letter to state that I do not accept this as a full settlement? Or should I just leave it as it has already been filed with the court system?

 

I certainly do not wish to accept this now - particularly after paying £120.00 in court fees to file my claim!

 

Any advice welcome!

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I am close to the same timeline as you. I received that kind of letter and sum just before Christmas. It seems to be their new thing.

 

It is not couched as an offer therefore not capable of acceptance in full and final settlement. Some people have taken the view that it is necessary to reject the 'offer' formally and say that your will be continuing with your claim, but will take the sum as part payment, but I do not think this is necessary.

 

To be on the safe side you can just write to them thanking them for the sum and saying that you will take it in partial settlement of your claim and you are continuing to pursue the balance under in x county court under claim reference xxx.

 

Just carry on with your claim regardless, donate some of the money to CAG and spend the rest.

If I have been helpful please click on my star and add a comment.

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  • 3 weeks later...

Well, I have just received the letter from the Courts to inform me that Lloyds intend to defend my claim.

 

They have returned the Acknowledgment of Service form, which appears to mean that they get a further 14 days (to a total of 28 ), on top of the initial 14 days.

 

Need to work out what (if anything) I need to do now...

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You do not have to do anything for now, all is progressing normally.

 

Next stage is completion of Allocation Questionnaire, the courts will forward this to you with the defence in a few weeks. In the meantime you would be wise to read here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-8.html#post481560

 

The new strategy should help speed up settlement.

If I have been helpful please click on my star and add a comment.

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No need for court bundle yet, one step at a time. Keep going through the FAQs, it all sinks in eventually. It helps to read other successful threads to place the FAQs in context.

 

Recently, I have seen a claim settle just after AQ as the new strategy was adopted. There is a possibility that by the time you get around to court that Lloyds' strategy will have changed.

If I have been helpful please click on my star and add a comment.

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  • 4 weeks later...

Well, I just want to say a big THANK YOU! to all at CAG for this site and all the advice within...

 

I have today received a letter (the day my CAQ should be in), from Sechiari, Clark and Mitchell (representitives of Lloyds TSB). This is below:

 

Address, references etc omitted ...
:)

 

We refer to the above matter and can confirm that our Client will be settling the above claim by crediting your Bank Account within the next three working days [it is already in there - I checked]. You are advised at this stage that by our Client metting your Claim on this occasion, this is not to be treated in any way as an admission of liability. This is merely an attempt to resolve the matter amicably between the parties concerned. [How very reasonable of them!]

 

We therefore trust you shall write to the Court to confirm that the claim has been settled once the funds have been received and provide this office with a copy of the letter for our Client's records.

 

Yours faithfully

 

Sechiari, Clark & Mitchell.

 

On checking my account, they have paid all of my fees (and statutory interest) that I was claiming, plus all of the court fees (£120 for initial fees and £100 for the CAQ).

 

Thanks again for all the advice on this site - and for the advice given directly to me! I certainly intend to try and repay this by paying some of my winnings to the CAG...

 

And remember everyone... Just hold tight!

 

Geek.

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Thanks Guido.

 

I was going to look into that today...

 

I did 3, 5 and 6 last night (6 particulary being the reason I had not searched all that hard for instructions on closing the thread)!

 

I paid the entire amount (after my donation to the site) to pay off other debts already - so start today considerably less weighed down... :)

 

Thanks again for all the advice!

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