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    • 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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Marbles phobb off!


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Hi,

Can anyone help? :confused:

 

Last December I sent off a letter to Marbles asking for compensation back of my fines and interest and even over the christmas period they still managed to reply very quickly with a phobb off similar to this (see below). What do I do next, I would like to strike whilst the iron is hot and I have heard about LBA, what is it and how can I get my money back?

 

Cheers

 

Nick

 

 

xxxxxxxx

xxxxxxxx

xxxxx

xxxxxx

xxxx

 

Your complaint has been investigated by: James Ball

Executive Complaints Telephone: 0121214 5841 Mon- Fri 8:00am-5:00pm

 

 

 

28th December 2006

Dear Mr xxxxxxxx

Re: Account xxxxxxxxxxxx

Thank you for your letter dated 19th December 2006. I have now fully investigated the matters raised.

Default charges are charges payable if customers do not make the required minimum payment by the payment due date, if they exceed their credit limit, or if a payment to their credit card account is returned unpaid. The amount of these charges, and the circumstances in which they are applied, is set out clearly in HFC Bank's credit card agreements. We believe that HFC Bank's charges to customers are fair and reasonable.

The OFT has recently published the findings from its enquiry into default charges on credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's investigation has led to a change in market practices and HPC Bank has therefore decided, for commercial reasons and in the interests of customers, to reduce its credit card default charges for the future. These changes do not affect charges that have already been applied. Accordingly, I regret that we are not prepared to make any refund of default charges or provide any compensation payments. I hope I have been able to clarify HFC Bank's position on credit card charges.

Thank you for taking the time to contact me to bring this matter to my attention, I am only sorry it was necessary for you to do so. I hope that matters have now been resolved to your satisfaction. However, should you require any further assistance, please do not hesitate to contact me on 0121 214 5841 or write to me at the above address.

Yours sincerely

 

xxxxxx xxxxxx

Customer Relations Manager

Executive Complaints

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The next stage now Nick. You will have to go to MCOL ( Moneyclaim ) as you have already sent the LBA. I will get your thread moved to the appropiate forum for you.

 

Uk.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Nick,

 

Send them another letter stating that you will definately take them to court if they do not give your money back within 14days. I presume you did as i did and hadn't sent the preliminary letter. I recieved a reply within about 5 days with an offer for settlement, around half what they owe, I will of course accept this as half payment and persue them for the rest.

 

Bryan

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Bryan,

 

Yep, did not send the preliminary and they sent a reply straight away saying no. So you just sent the same letter again but empathising the fact you will go to court? Sounds easy enough.

 

Glad you at least recieved some, good luck for the rest!

 

Nick

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Marbles seem to have a 3 stage response. 1st letter offer = 0, 2nd letter offer = half, 3rd letter offer = full amount.

 

I did this and got 100% which INCLUDED contractual interest (added about £200 to my claim!)

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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They may have changed there practise slightly, I got a 50% offer after my initial letter, obviously I accepted as partial payment and posted my LBA. They have to the 25.01.07

 

Good luck

HSBC recovered bank charges in full plus contractual interest

IF.com recovered bank charges in full plus contractual interest

Marbles recovered credit card charges in full plus contractual interest

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  • 2 weeks later...
  • 3 months later...

hi ive been reading ur thread and as i ahve a claim with marbles going .. i sent the prelim letter to them with charges owed to me and they sent the exact same letter to me saying no arrrh ..what letter do i send now then lba

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IVE JUST done a lba to marbles adjusted it a bit and want to know if its ok anyone ----

LETTER BEFORE ACTION

Dear Mrs McKenzie

Re. Account number: xxxxxxxxxxxxxxxxxxxxxxx

Thank for you for letter dated 24 May 2007.

I am very disappointed that you have failed to respond to my letter in a satisfactory manner. Iam now writing to inform you that I intend to claim the full amount together with interest though the small claims court system.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the courts will rule in my favour. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £220.00 from me in default fees .

I am enclosing a copy of the schedule of the charges which I am claiming. (This was sent to you in my original letter on the [23 May 2007 ]

As you have responded to my first letter promptly I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs.

I trust this clarifies my situation

Yours Sincerely

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I sent my list of charges and they sent me a letter with exact same wording as above so now going to send my LBA - I am not sure though if somebody has had a success with adding contractual interest maybe I might give it a go? Has anybody had any experience in this and what rate did you use?

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Hi, I managed both fines and interest! You have to work and they seem to respond with 0 refund, then half then full so keep trying! I used the calculation sheets that are in the library and used my interest rate.

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I am not entirley sure of what my interest rate should be - as I opened the account back in 1999 I dont think they will be able to provide me the original agreement - so how would I be able to find this out! I wish now I did not throw away my papers - I am really learning my lesson!!

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I have just had an offer but it wasnt 50% it was a 1/3 - however it was 50% of my prelim.

 

The thing is that in the prelim I did not add the contractual interest but then as people had had success' with this I then in my LBA after they came back to me and offered me nothing I added the contractual interest.

 

Do you think that I ought to carry on and say that I wont accept their offer and continue to strive for the contractual interest and see what they come back with?

 

If they come back and offer me the full amount of my prelim do you think that I ought to settle for this or should I still push for the interest?

 

Any advise would be apreciated. - I know that I have confused matters for myself and they have picked up on this - but if this has happened to anybody else then I would appreciate feedback.:)

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yes press on the third letter u will get will be full offer of ur prem letter not sure about interest though as i didnt claim that ...i would ring them and say not accepting but prepared to settle out of court ..

 

;) talk to james bell hes a really guy and will sort it out for all

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they offered me 50% of charges only and now 100% of charges only but say they have a company policy of no interest to be paid.

 

I've talked to James Ball but he said he would need to refer to a senior manager to authorise full amount inc interest, then sent me a letter offering 100% charges only.

 

So, ombudsman or LBA?

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Exactly in same position as Tifo.

 

offered 100% charges but no interest said against comapny policy - should I press on? Tifo have you had anything else back

 

the interest is about £250 so I dont really want to loose it but not sure if I want to go to court over £200 either!!

 

Any help anybody?

 

kiri260180

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For Marbles and virtually all credit card and bank addresses - not PO Boxes - go to:

www.esd.informationcommissioner.gov.uk/esd/DoSearch.asp

 

also addresses at:

 

Debt Questions. Information regarding debt issues

 

Hope this helps someone on here !

If it does - click my scales !

Cheers :)

(NO GAPS IN THE INFORMATIONCOMMISIONER LINK - IT WAS A TYPO ! )

Cash-Back

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