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    • 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. 
    • 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.
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Lowell chasing a T mobile bill - not even sure if it's mine ???


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Morning all,

 

Title says it all really - received a letter this morning from Lowell chasing above for £152. Not alot of money compared to some of the credit card bills i've settled with them.

 

But I don't want to pay if it's not mine.

Theres nothing appearing on my experian report for this bill.

 

Whats the process here ?

Do I CCA them ?

Is there something else I should ask them ?

 

All advice greatly appreciated.

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Hi

Yes CCA request straight away send it recorded delivery.

Im dealing with them at the moment for a capital one c/card they are an absolute knightmare keep an eye on your credit report because they will probably put something on it. They have on mine ive now got a default from them and am having to argue it out with equifax to get it removed.

This DCA seem to act above the law all the time search the threads for Lowell and there are loads of posts about them.

Hope this helps

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Marson,

 

Many thanks will CCA them tomorrow.

Can they put something on my credit report ? - i'm thinkinging this is a really old debt and has dropped off cos it's over 6 years old ?.... can they put it back on ?

 

For what it's worth I arranged F&F settlements with Lowell (Before I discovered this site !) and they settled for less than 25p in the pound on £6000 worth of debt... so however bad they are, they are flexible on F&F settlements if you push them.

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if its over 6 years old and its been 6 years since you paid anything to it or acknowledged it then its statute barred and they cant get any money anyway!

 

when was the last time you paid anything to Tmobile RE this bill?

 

or acknowledged the debt?

 

if your 100% sure its over 6 years then send them the statute barred letter if not then send them the CCA.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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  • 2 weeks later...

I CCA'd them because I couldnt remeber if it was over 6 years old.

 

Got a letter back today saying:-

"The agreement which you seek is not regulated by a consumer credit agreement & is not governed by the above act. Our client there fore has no obligation to supply the information requested by you"

 

Whats my next step - it's not a huge amount of money, but it's becoming very personal with these DCA's :-)

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as l recall from reading another thread that is a load of b***s but lm sure someone more knowledgeable will come along and clarify the position personally l would just let the 12 days pass and then the month let them dig their own hole!

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Mobile contracts dont fall under the CCA, but theres got to be something you can do

 

anyone?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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I'd SAR them, get ALL the information they hold on you, this will give you 40 days to consider your options, they technically can't chase the debt whilst it's in dispute.

 

Hope this helps.

 

Matt

Power tends to corrupt; absolute power corrupts absolutely - Lord Acton.

 

Advice offered by MattyH is without predjudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt. Please research any information I have offered, as I will not be held liable for any incorrect advice i've given you.

 

<--------- If my advice has helped, please tip my scales. 8)

 

For Further advice come into the Chat Room: http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

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  • 2 weeks later...

Not heard anymore from them at moment - but i've got a sneaky feeling they will be in touch soon....

 

Can anyone else who's dealt with old mobile bills - shed any light on this please.

 

Surely if it's not on my credit report - it's either not mine, or over 6 years old ?

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  • 2 weeks later...

Just had another chaser in giving me 7 days to pay or else they will proceed with legal action (for £137 !).

 

Part of me thinks sod it just cut a deal & put it to bed - but I don't even know if it's my debt !!

 

Can anyone shed any light on what I should do ?

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Hi Woolny

 

I am having a similar problem with red debt collection services for a T-mobile account. I have just written another letter to them informing them that I do not acknowledge the debt and that they must provide me with proof that I owe this debt. I also stated that to my knowledge I have never entered into any sort of contract with any mobile service provider.

 

Red also sent me a postcard claiming that they had visited whilst I was out and I was to call them urgently. There was no company details just a telephone number and a reference number (which just happens to be the same reference number on their letters). So I have added in my letter that they are in breach of the OFT guidelines by failing to provide company details and trying to mislead me by suggesting that a home visit had taken place.

 

Just waiting to see what they send back. As far as I am concerned it is down to them to prove this debt is mine, not me to prove it isn't.

 

Lan

No one can make you feel inferior without your consent :)

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  • 2 weeks later...

Hi woolney

 

I got a reply back last week saying that they were contacting T-mobile for copies of statements and they will contact me at a later date. Just waiting to see what they can produce.

 

Lan

No one can make you feel inferior without your consent :)

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You may find the following letter useful as well if you decide to dispute it ie they can't produce evidence it's your debt:

 

(Your home address)

_________________

_________________

Date: ____________

To: ______________

__________________

Dear Sir/Madam

Account no:

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

(Your signature)

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  • 2 weeks later...

Have now had a letter from HAMPTONS LEGAL dated 25th May (only received today) - giving me 7 days to pay or they "MAY" proceed with County Court action...

 

They have asked me to contact them but there phone number is not on paperwork !

 

Should I be concerned about county court if they can't even prove the debt yet ? - am I right in thinking that if it does go to County court I could always pay it to avoid a judgement ?

 

Need soem advice whether to sit tight or contact them etc,

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if youve requested the CCA and they havent provided it you could petition any court to stop hamptons actions as non compliance with CCA is a full defence.

 

if you want - send them this letter.

 

 

 

 

 

Thank you for your letter of xxxx the contents of which are noted.

 

To date however, you have failed to comply with my legal request for a properly executed Consumer Credit Agreement (Consumer Credit Act, 1974).

 

Since your failure to comply with this request represents a complete defence in any court claim that may be issued at this time, please take note that any action that you decide to take will be vigorously defended.

Please find copies of all my correspondence for ease of reference (best to include)

 

Yours sincerely,

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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  • 2 weeks later...

Hi

 

I had the problem of getting a letter from Lowell about a T-Mobile account from September 2002 for £485. I CCA'd lowell and got the same reply (I rang trading standards and asked if they would have to provide a credit agreement and they said not all mobile phone contracts are covered). I wasn't sure this was even my bill, I explained that to Lowell who took no notice. So I rang t-mobile customer service and explained to them. Because I was unsure if it was my bill they asked me to do a disclaimer over the phone and said they would then pass it onto the fraud department for investigtion. I was told it would take 10 days (this was mid april).

 

I was told while this happened I would get no letters from Lowell. I still got letters from Lowell and eventually Red Debt, so I emailed Lowell after getting nowhere on the phone and told them in the nicest possible way to buzz off. A few days later I got another letter from Lowell saying they were investigating my complaint. That was it...... Until yesterday. I got a letter from t-mobile, at last, explaining that they were extremely sorry about the letters I had been receiving and the account was now cancelled because they believe it was set up Fraudulantly.

 

So my advice would be not to contact Lowell, they are useless, go straight to t-mobile and sort it that way, the worst that can happen is they decide it is your account and they will provide you with proof of that, or of course, they may not be able to prove it and you can use the lowell letters as bog roll!

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make sure you keep that letter from T MOBILE!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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