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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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    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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MCOL filed, they are defending but surely it has passed the deadline HELP!!!


kickingkay
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ok as title explains i have finally received a letter stating they owe me nothing and their charges are in occourdance with the OFT this was my LBA should i still continue is this a formality?

many thanks

wavering Klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Hi Klare. It's the usual crap that all of us get. Don't back down because that's what they're hoping you'll do. Follow the process outlined on this site and everything should work out fine

If you read everyone elses stories re A&L you will notice a recurring pattern when it comes to letters, threats , timings etc

Stick to your guns and good luck

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  • 2 weeks later...

ok i have started to doubt my claim i know i shouldnt because its the same situation as you all, i have had a letter from them telling me we owe you nothing i beg to differ and i have worked out what teyu owe me plus a further charge for unauthorised OD, now i have giventhem plenty of time to cough up, and i should have claimed my MCO last week, so tomorrow i will be claiming online, i know they (or im sure) will contest it but i just feel so kicked about i need a boost

is it the bootle address i need for online claim to?

sorry

pitiful really

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Don't doubt yourself. You've won once, you'll do it again.

 

Can't help you with the address, I've never dealt with A&L myself, but I'm sure someone will know.

 

Have you done any of the things I advised you in your other thread about your finances? Are you getting to your money first now?

 

You WILL get your money back, you WILL win, you ARE in the right here. Don't let anyone tell you otherwise or try to keep you down. OK?

 

Listen, I look back on those last few months and I find it hard to believe I have taken on so many institutions and won EVERY - SINGLE - TIME. And I'm not finished yet. And you can, and will, do exactly the same.

 

{{HUGS}}

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ok i have started to doubt my claim i know i shouldnt because its the same situation as you all, i have had a letter from them telling me we owe you nothing i beg to differ and i have worked out what teyu owe me plus a further charge for unauthorised OD, now i have giventhem plenty of time to cough up, and i should have claimed my MCO last week, so tomorrow i will be claiming online, i know they (or im sure) will contest it but i just feel so kicked about i need a boost

is it the bootle address i need for online claim to?

sorry

pitiful really

klare

 

Hi Klare, Chin up!

 

Get your mcol done then sit back and wait. It's just a matter of sit back and let your threat do the talking. In all probability you will get a letter from Jackie McGuirk saying they are going to defend...they don't though! I've just had my claim settled not long after receiving notice that they were going to defend.

 

When doing the MCOL the address you need is:-

Alliance and Leicester Plc

Narborough

Leicester

LE19 0AL

 

Have you got your parachute account up & running with all DD's etc changed over? If not do it asap

 

Don't get worrying or anxious (I know it's easier said than done) it will all work out fine!

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bookworm, sickof a&l, thankyou so much

yes ive done everything else so its on course as it were ive been using my other bank as my main account now most dd are in place a few still to set up but getting there just need hubby,s wages going in there and then im away, but that can be sorted this week, you are absolutly right there is every chance i will win!

have either of you had experience with mbna as they cashed my cheque weeks ago now but still no statements any idea what the process is now???

thanks

again onwards and upwards!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Sorry Klare but no experience with anyone else so far....think I'm one of the lucky one's who've had no problems with anyone else (That's probably just jinxed me)

Just follow the same process you're doing with A&L on any other company you want to claim back off

Not promising anything but you should have a cheque from A&L just in time to make crimbo more fun (who needs santa when the postie can deliver lovely cheques!)

 

Steve

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  • 2 weeks later...

hi everyone im having a mental block in the section that states what are you claiming notes below it it asks does it affect the human rights act 1998 do i put yes or no

thanks

complete block

klare:confused:

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Kickingkay,

 

Put NO, unless you can think of some way in which it applies ......... I cant think of one:rolleyes:

 

All the best .............

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Kickingkay,

 

Put NO, unless you can think of some way in which it applies ......... I cant think of one:rolleyes:

 

All the best .............

as i thought thanks for that ive now filed today!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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  • 3 weeks later...

in 2 days A&L has to submitt how they intend to play this i have heard nothing from A&L nor MCOL only my orignal letter confirming the claim and the deadline for a&l to do what ever anyone else had this and how did it turn out and what now lol

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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  • 4 weeks later...

hi for fellow A&L customers i have filed my MCOL received my letter confirming the deadline for their response which would have been the 16th december, in this time the filed a defence but its now some 3 weeks or so and i have heard nothing from either the courts or A&L i had a refund very quickly with the CO OP even though they still stated they would defend can any one enlighten me if this is normal and how long should i have to wait til i hear something, im affraid i lost my sister a few weeks ago and my head is so confused im struggling to remember anything many thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Have they actually filed a defence, which you should have a copy of or have they just stated they intend to defend?

 

Unfortunately for us if they miss the deadline and we do not file a judgement by default they can be as late as they want. Until we take the next step they can still reply and it will be accepted by the court.

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Hi, thanks for replying i received 2 letters one acknowledgment that the claim has been made(from MCOL) the other was a copy of my claim with the details filled in at the bottom intend to defend, so what happens now i have never needed to go any further, do i need to do something else or wait for a date for the hearing or are they still likley to settle up in the immediate futire

many thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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just checked paper work

notice of issue received 27th november giving them til the 16th december to respond

acknowledgment of service has been filed received on the 29th november states defend all of this claim

so in all they have filed a defense what happes now will they go to court do i now need to contact the courts again or wait?????????

thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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4 threads merged.

 

The acknowledgement of service bought them time to file their defence, (4 weeks from when you filed) so by right you should have received it by now.

 

Give the court a ring on Monday, and find out, in case something got lost in the post. If A&L forgot to file a defence, though, apply for default judgment!

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