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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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Dont take things out on bank staff


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i understand where you guys are coming from. but you have got to get one thing clear, your understanding of banks organisational structure. charges are generated automatically and not by the branch where your account is domicilled, so going in and shouting at the staff is not going to do you any favors. the staff have no control to answer to your demands of "give me back my money now or i will take you to court" doing this simply intimidates them, they are just doing a job and will pass on your complaint to the departments that have been set up to handle them. if you are asked if you want to deal directly with these departments do so, it will make things quicker.

 

when in a short time free banking ends in this country, don't complain about it. you sowed the seed for it and fed it well.

 

one morething, in other parts of the world if you go overdrawn without authority... unauthorised borrowing, it is an offense, on the same level as theft, and you will go to jail. here you just charged. don't think for one moment that companies that pay collectively £25 to £30 billion in tax to the state will not get something in return. society seems very short sighted these days, that will come back to bite us all.

 

but please dont take it out on the staff.

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Guest louis wu

I think there is something that YOU need to understand, the type of behaviour you seem to be alluding to IS AND NEVER HAS BEEN SUPPORTED BY THIS SITE.

 

You show a complete lack of understanding of what is being done here, and quite frankly your comments are quite insulting.

 

I suggest that unless you have an ulterior motive for making this post, you refrain from posting misinformation and learn what we are all about.

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Good point tabit but isnt it true that staff do have the power to refund charges? Ive heard lots of cases where challenging bank staff has produced refunds. You have a valid point about them just doing their jobs though, its easy to shout at people on the front line, even though its not them that decide these charges!

 

Why on earth should we be charged a fee for having a bank account though? our money has to go somewhere!

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no staff don't have that sort of authority, not on the front line anyways, bank control cost so tightly now they don't give those powers to the people at the very bottom, which is where the frontline staff are. banks will start charging for things like get a new card if you lose yours etc, this will happen. what happens in the US, they have to buy their cheques...

 

louis wu wheres the insult or do you enjoy SHOUTING at people.....

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i certainly dont bank with the ones that rip me off with these unlawful charges. ;) and i have closed down three accounts coz of it.

 

why are you posting on here in clearly what you are doing is defending the banks

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Guest louis wu

charges are generated automatically and not by the branch where your account is domicilled, so going in and shouting at the staff is not going to do you any favors.

 

Your own words. Where on this site have you seen that type of behaviour encouraged?

 

Also, 'charges are generated automatically'. Do you conceded then that these are penalty charges? If so then

 

'when in a short time free banking ends in this country, don't complain about it. you sowed the seed for it and fed it well'

 

seems a contradiction. If we are being charged a penalty, where is the FREE banking?

 

Which brings me onto this, why are you here? You must know what this site is for, and if you disagree with it, then why register and post? Obviously, its your time and you can spend it anyway you want, just seems odd to me.

 

Finally, please dont start the, 'if you go overdrawn you deserve the charge....' line, we get them from CURRENT bank employees, and dont need it from a (?) ex one.

 

PS if you made the misconception that by using CAPS I was shouting directly at you, then accept my apology. It was not my intention to cause offence with CAPS, I just dont know how to highlight/make bold a statement. Hope that clarifies that point and make you feel less unloved.

 

Louis

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i certainly dont bank with the ones that rip me off with these unlawful charges. ;) and i have closed down three accounts coz of it.

 

why are you posting on here in clearly what you are doing is defending the banks

 

 

Kimmy, whats your secret? do you use a bank that doesnt rip you off? ;-)

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OK calm down people!

 

Welcome Tabit, you make some good points about treatment of bank staff. We do not encourage our members to be confrontational towards branch staff, as I understand it, branch staff do not have the authority to refund more than £50 approx and we encourage people to be polite in their dealings with bank staff.

However,

'when in a short time free banking ends in this country, don't complain about it. you sowed the seed for it and fed it well.'

 

is a statement likely to offend our users, because these charges are unlawful and should never have been taken in the first place, let alone prop up free banking for the UK population at the expense of the more vulnerable in society.

 

I assume Tabit that you are here to reclaim bank charges? If so you too will be part of the Consumer Revolution to end unlawful charges and you are very welcome, if for any reason you are not here to reclaim charges and wish to pass comment on the end of free banking, then it is likely this will create alot of hostility and antagonism, so I would ask you politely, not to do so.

 

Can you please now start a thread in the forum of the bank you are claiming against?

 

Please no further arguments on this thread from any users please.:)

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Guest louis wu

Thank you for some calming words Kate.

 

Yes I was wound up, and reacted instintively, not reflectively.

 

I am now relaxed, and if my words/conduct caused offence I apologise.

 

I do not apologise for my passion regarding this site, but that is another story.

 

Louis

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"One morething, in other parts of the world if you go overdrawn without authority... unauthorised borrowing, it is an offense, on the same level as theft, and you will go to jail"

Can you give an example of this please?

 

"charges are generated automatically" Nice of you to admit this! "and not by the branch where your account is domicilled, so going in and shouting at the staff is not going to do you any favors. the staff have no control to answer to your demands of "give me back my money now or i will take you to court" doing this simply intimidates them"

I agree, no one should be made to feel intimidated for doing their job. This behaviour is not condoned on this site, we advise all complaints be sent to complaints section at head office and not local branches.

 

"when in a short time free banking ends in this country, don't complain about it. you sowed the seed for it and fed it well"

 

Free banking will do one thing, take money from the poor. To openly tell the public that account which have less than £1500 per month put into them will incur a charge shows that yet again the average consumer will be hit and hit hard. Homes which have income of less than £21k per year will pay this fee, yet those with higher income will not? This will be the downfall of British banking. Each household will combine accounts in order NOT to pay the fee, meaning half the amount of accounts are in jeopardy. Those vulnerable (pensioners, benefits, adults with health issues) will pay.....and yet it was the Government who decided that the money these vulnerable people get should be paid into an account, so bring on the Social Security Administration Act 1992 and the right of appropriation, as this will be the next fight that i, with others, will personally take for vulnerable people.

 

I really understand you thread title, and agree no one should take out their frustrations on staff, but please dont try and justify penalties by using the tax the banks pay to the Gvnmnt. Smokers pay huge amounts of tax to the Gvnmnt but that doesnt mean they can start asking for non smokers to pay penalties for wanting clean air!

 

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No apologies should be needed......only maybe to over 110k members of cag who have had to come here in order to claim back charges..........The ones who should be apologising are the ones who took customers money threatened to close accounts and in some cases registered defaults on account of the customer not being able to pay unlawful charges !!

 

Lets not forget why we dont need to feel we have reasons to feel sorry for our threats of court action.......in every case that has meant refunds.......who is the guilty party here ?

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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"One morething, in other parts of the world if you go overdrawn without authority... unauthorised borrowing, it is an offense, on the same level as theft, and you will go to jail"

Can you give an example of this please?

!

 

 

I am not joining this discussion other than to answer the above

 

 

In Dubai (United Arab Emirates) It is illegal to go over your overdraft and if you bounce a cheque it is classed as theft and you are liable to face jail time.

 

I lived there for 10 years.

 

Other than my pennys worth I am off this thread is a little hairy for me, I like claiming bank charges but I strongly dislike shouting and arguing. So ta raa from me

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Posts moved from Welcome.

I think everyone has had their say there !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I normally spot these threads quicker but missed it for some reason.

I think i have posted this already in the bear garden but not in the same context. I wish to ask that people responding do not throw about Bank Worker as an insult. I am a current bank worker and am aware of others who are on here and are helping. Agreed, to begin with, many bank workers did come onto the consumer action group and have been forthright in their support of charges at its existing level. However, there are many who are NOW on here helping people claim charges back. As the OP stated albeit at the end "Don't take it out on staff" who are at the bottom of the chain.

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I also think enough has been said to tabi but I think the point she raised about shooting at the front line is an interesting one.

 

Although I 'm no saint when it comes to complaining, mouthing off at a fragile 18 year old behind the counter is as pointless as it is distasteful.

I prefer to bypass even the department responsible and aim at the top as I believe complaining to the big honchos who are used to being cosseted from the direct wrath of their disgruntled customers gives you more bang for your buck.

 

As sure as I am that CAGers are not dumb enough to involve themselves in a pointless slanging match with a teller, I'm sure front line staff are often abused by irate customers demanding thier charges back.

 

But I do'nt think it would be unfair to suggest that that ALL personel in

the general retail sector as a whole have made a concious desicion to

work on the front (perhaps becuase they like meeting people ect) and they therefore should be prepared to take the rough with the smooth because like it or not, thats the way the world works.

 

And retail bank workers shouldnt really expect to be treated any differently simply becuase they work in a bank. The term 'front line staff' is an adaptation of 'front line

soldiers' of the first world war, and those guys expected to get shot at and didnt complain about.

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Guest louis wu

Dont take it out on the staff was the only point that everyone on this post agrees with, it was the other bits that wound me (and probably everyone else) up.

 

I honestly can't see one post on this thread that degenerates bank staff, although personally, I believe a burly 35 year old deserves the same level of respect as a fragile 18 year old. Nobody, regardless of age/sex etc deserve to have threats and insults directed at them in their place of work. (By the same token, bank staff should not tell me that charges are all my fault and I'm getting what I deserve!)

 

Louis

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I should add a little bit more because it is something needed to be said. Anger misplaced at staff with no influence is wasted anger.

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