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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?
    • 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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    • 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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My Credit card dramas..


choco
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Hey peeps

 

I just posted in the abbey forum and they directed me here. I intend to start claiming back my credit card charges once I get my fat check from Natwest, but currently am in financial difficulty and I have to send letters to my creditors offering them measley monthly payments, like what the debt consolidation crew do! anyway what I want to know is, will sending such a letter to Abbey/MBNA prior to trying to claim back my charges jeopardise any chances of getting them back?

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Hey peeps

 

I just posted in the abbey forum and they directed me here. I intend to start claiming back my credit card charges once I get my fat check from Natwest, but currently am in financial difficulty and I have to send letters to my creditors offering them measley monthly payments, like what the debt consolidation crew do! anyway what I want to know is, will sending such a letter to Abbey/MBNA prior to trying to claim back my charges jeopardise any chances of getting them back?

 

hi choco I don't know about abbey but the MBNA are pigs to deal with I am with a debt management program and though they arranged with MBNA to freeze interest and stop charges in September 2006 I was still getting phone calls from MBNA and the troglodytes in india in middle of December before they stopped the calls. I have since started claim against them but as you will find from threads in MBNA forum the left hand does not know what the right hand etc, and no problems apart from the usually delaying tactics.

 

dpick:evil:

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sorry prob my fault thought better for choco start a thread in mbna. :oops:

 

no not at all it was a good thing you pointed me in the right direction, it makes it easier anyway as im getting the answers i need!

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hi choco I don't know about abbey but the MBNA are pigs to deal with I am with a debt management program and though they arranged with MBNA to freeze interest and stop charges in September 2006 I was still getting phone calls from MBNA and the troglodytes in india in middle of December before they stopped the calls. I have since started claim against them but as you will find from threads in MBNA forum the left hand does not know what the right hand etc, and no problems apart from the usually delaying tactics.

 

dpick:evil:

 

jeez!! Its like this with a lot of companies though and its not until you start writing letters to the big wigs and keeping track of peopls names etc do you get any progress!! I dunno.... Well I'm not going thru a debt management comp, decided to be my own boss, it seems to be working with getting my $$$ back from Natwest anyway! lol

I'm going to see how I get on with them agreeing to what I offer them in terms of payments, I dont think then i'll stick the boat out just yet and claim back my charges, these people seem to be a lot harder to deal with and I need to ahve the time and commitment to take it all the way if they are as difficult as you guys say they are

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Oh i got a terrible letter from natwest last night its just thrown me right off, but once i get all the neccessary letters sent to them on Tuesday, then I think I will start with my credit cards!!

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thankyou!! - I was bored this afternoon, so being completely non pc-literate, I wondered if I could get myself one, and hey ho ...I did!!

 

Hee hee, so did I!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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what was the letter?

 

well nastywest have forwarded my accounts to the collections department, they want me to make arrangements to pay back thte OD in 28 days and in the meantime I cannot use the accounts, they stopped my direct debits and I have to return my cards etc!!! They're such b******!!!!

 

Anyway posted it in my thread and I got some useful advise as always so now i feel a whole lot better, but you know when you feel like it all happens at once, my internet got disconeected the same day and about 5 other bad things happened at once I felt so depressed!

 

ps like the avator - i wonder where you got the inspiration from.....!!

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