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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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    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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lesley. V. A&L **WON**


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hello all.

 

i have just sent my first letter to the A&L 2 days ago. but i did a silly thing and didnt send it recored delivery, should i send another to be safe..

my bank charges have left me with no money at all.and iam on benifits. because i am disabled. i have now got to the point that some of my direct debit companies are threatening me with baliffs.. wow what a nice bank the A&L are. my bank charges (OVER CHARGES) must be up in the £4-5K easy. 2 months ago i sent a letter to the bank ombusmen, what a waste of time that was. he/she was no help what so ever.

 

all i can say is good luck to everyone.

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  • 3 weeks later...

Hiya Everyone :confused:

 

sent out first letter to A&L on the 3rd January 2007. still no reply from the A&L. the cheque hasnt been cashed either. not to sure what to do now ?.

whether to send a reminder, and that their dead line day is 13th February 2007 .

 

saw local M.P on the I.T.N News this evening. ( Mr Matthew Taylor )

 

He told the houses of commons that the bank charges were wrong.illegal, and putting poeple into deeper debt. how right he was..lets just hope they listen to him, and not let his words go to a deft wall.

 

so i might say blow it and send a reminder, cant do any harm.. can it !

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Hi Les.

 

To be pedantic, the MP had got it wrong...... it's not illegal, it's unlawful.

 

Regarding your SARs letter, the bank has 40 days in which to comply, so there is plenty of time yet. If you have not received them at 30 days, then write to them and remind them that their time for compliance is running out.

You could, however, ring now just to confirm that they have received it.

 

Use the time while you are waiting in reading the FAQs and the step by step guide. Also, read some of the longer threads in this forum, to get a feel for the action.

 

Good luck.

Regards, Rooster.

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hiya everyone.:-)

 

i have say... reading this FAQ for hours now, and i am amazed how many people are suing thier bank. not meaning to sound selfish. but it is a nice felling to know that you are not alone... and thanks to everyone for their support and keeping me on the right tracks with the A&L.

 

good luck to everyone. and keep fighting !

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i have been online to print of my bank statements, ( as i havent heard a thing from the A&L ) and i found that they only go back for 6 months. i really need to get hold of the 6 years statements inorder to work out in full how much to reclaim . if the A&L dont send me everything that i asked for in the SAR letter. what else can i do in order to get these.

 

many thanks.

lesley

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follow the instructions sticky

issue LBA after 14 days, keep to YOUR schedule, do not let them waiver you.

 

dx100uk

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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If they don't comply with a Data Protection Act SARs letter within 40 days of receipt, then you can report the non-compliance to the Data Commissioner's Office.

 

Leave it until the remaining time is down to 7 - 10 days and write to them reminding them that they still have not complied with your SARs, and if they do not comply fully then you will report their non-compliance to the Data Commissioner's Office and also will consider an action against the bank in the Small Claims Court for non-compliance.

 

Regards, Rooster.

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  • 2 weeks later...

well this has happened to me so far. i paid the £10 to A&L. that was cashed on the 10th January 2007. but still i havent heard a thing from them, not even the usual blog letter.

 

what do i do if i dont get a reply, even thou the cheque has been cashed. what is the next step forward. their 40 days are up on the 13th February 2007.

not to sure if this is good or bad because i havent heard a thing..

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Mine came through on day 38. I followed then with a request for refund along with list of charges giving them 14 days to respond. I got a standard p.... off

letter back in 3 days, today I'm off to file my claim.

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I think your 40 days are up on the 19th Feb. You have to be patient, they will keep you waiting but they will come eventually.

A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.:D

MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug.:confused: . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct:D

CCA sent 1st Credit 11th August, reply 15th Aug

Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.

Still to come: Cap. One, Time retail, HFC Bank.

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sorry for this.. i have sent my first letter, (access request letter ) at long last i have had a reply and the A&L have sent me all my bank statements for the last 6 years...

i know i have to do a spreed sheet, calculating all the charges, NOT THE INTEREST at this point. but which spreed sheet do i use, and which is the second letter i send with the spreed sheet.

i found the preliminary approach letter ( is this the second letter to send giving them 14 days to reply. ? )

 

folloed by the letter before action..

sorry for this but i am really lost at the moment. and looking at the spreed sheet. wow ! what a head ache... :-x

 

thanks for ll your help ! lesley45.

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I would suggest that you spend a few days reading the FAQs and the step by step guide in the library section. You will find the answers there.

This is a self-help forum and it is important that you do your bit.

 

Regards, Rooster.

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hiya all

 

just to let you know i had a letter back from Matthew Taylor MP my local mp.

 

the letter dated 29th january 2007. said.

 

Many thanks for your e.mail, I am glad to hear that you are taking action to get bank charges returned to you.

 

I hope that you pursue this all the way and good luck. i am awear of the consumer action group website that try to help in this regard.

i hope you will let me know of the out come.

 

 

which i intend to do once every has finished.

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Send S.A.R - (Subject Access Request) and wait for statements

Get statements and make up a schedule of your charges you intend to claim back, send a copy of this with prelim letter and wait 14 days

after 14 days has passed send lba with another schedule of charges.

14 days later start legal action.

 

 

good luck.

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use the excel spreadsheet in the templates by vampiress if you fill in the first page starting from the oldest dated charge and the 8% interest is automatically worked out for you

good luck

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Hi

 

how are you getting on?

 

I am still waiting for my statements but have done lots of reading of all the threads on all banks which helps.Are you ok with FAQ as on another thread I found a list from a high user of the site. I thnk I saved on a thread and could send it to you if you want.A&L fined today for closing an account in retaliation!:oops:

 

best of luck

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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well it is all go now as i am sent the second letter to the A&L. giving them their 14 days to return my money. . awaiting their rely of course.. have'nt had it yet, sent the letter 5 days ago. and i'm counting.... LOL..

 

will keep you all inform as i go along. and good luck to everyone else.

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well i have sent the perliminary letter on the 6th FEB 07.. got a reply basically saying "sod off" and how the OFT has said nothing about bank charges, it is to do with cradit cards. not overdraft or unfair charges.. which made me laugh a bit when i read it..

 

now giving them 14 days from the date of their letter then i intend to send the LETTER BEFORE ACTION.

 

can i also add the charges that were taken in FEB which was for £100 or do i have to do a sperate claime.

 

many thanks les45

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