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    • 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.
    • 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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      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.

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jay_jay 'v's Lloyds TSB


jay_jay
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Hello to everyone,:-)

 

I am a first timer - please be gentle!!!!!

 

I started my journey at the end of Feb requesting all statements - quite impressed only took 26 days to come through - just about to embark on next step "please can I have my money back"......Can anyone confirm if Grisham Street is where the request letter should go?? Be gr8 to hear from anyone.

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Hi & Welcome!:)

I used:

 

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

Good luck, let us know how you get on.

Barty:)

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!!:D :D

If I have helped, please click my scales:)

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I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

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Thanks for that - I actually sent to that address for all statements & charges (address given to me from the Branch)

Is this where the preliminary request for refund goes as well? (My branch told me that due to high demand for claiming LTSB had set up a special centre (Birmingham) to deal soley with this.

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Hi to all,:)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:mad:

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:-? . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

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Hi to all,:-)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:evil:

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:confused: . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

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Have you read the step by step guide yet ? Give it a gander, will help you in the long run. It tell you what you need to do and when.

 

Step-By-Step

 

With the spreadsheet its just a matter of entering you charge types, dates and amounts. It adds it all up for you !

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Definitely read the step by step as advised by nanaman.

It is really comprehensive. However I cannot help with the interest because I decided to initially claim the bank charges only. I'm mathmatically challenged and decided for my own sanity to keep it simple.

 

Good luck

 

Brasic.

Brasic and Lloyds TSB

Followed the guidance on the site and won :D

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Hi to all,:-)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:evil:

 

Don't worry, we all need to start somewhere. Take the time to read as much as you can, the better prepared you are the easier it will be.

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

It is now time to add them all up. Your prelim letter should say how much you are wanting back. Don't be surprised if they don't write back.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:confused: . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

You can claim back unpaid d/d, unpaid cheques and standing orders, and of course o/d excess fee. In my opinion calculating the O/D interest based on the charges is not the easiest thing to do, and unless it is a huge sum I would be inclined to leave it out. You never know, they may pick at that later on.

 

Next step is to put them in the spreadsheet, date, charge and reason for charge as this will help calculate your 8% interest. However, you don't actually claim the interest back until the court stages, so this should buy you a bit more time to get aquainted with the concept of interest. So time to put together your prelim, remember, you are not in any rush to get the prelime letter out, take your time to read up and when you are ready fire away.

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

 

No problem, there are loads of good people on this site that are always happy to help.

 

..

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Thanks for that info guys.

 

I have read through loads, but will read again....Like you say there is no rush.

 

Just gonna get down & study:)

 

Thanks again...........If I need any other info I'll be back.....

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:( Hi,

 

Have spent all day creating a spreadsheet - hopefully I have done it right. :confused:

 

I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet. Do I have to send the charges print-out that LTSB sent to me????

 

Hopefully some-one out there can advise asap. I am hoping to send it tomorrow recorded delivery!!

Sincere thanks for any help

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I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????
Yes except OD interest unless it is interest that relates to just your charges

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet
Yes.
Do I have to send the charges print-out that LTSB sent to me????

No
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Hi

 

I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????

 

Is this O/d interest as it is written on your statements. If so you cannot claim this. There is a way of claiming some of this back but it's very complicated and often doesn't add up to much, unless you have a large claim.

 

The rest is fine.

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet. Do I have to send the charges print-out that LTSB sent to me????

 

You just need to send a copy of the printout from the spreadsheet

 

Hope this helps

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi all, :)

 

Well, finally finished the spreadsheet:D and have sent it today, recorded delivery, to Gresham Street, London - attached to the prelim letter. Now its a waiting game to see what, if anything, happens!!!! Feel quite chuffed that I have actually got this far and am going for it.

 

I am reading up on the next step, so that I am ready to send the LBA letter when their time is up.

 

Am I correct saying its 14 days from the date on the letter to send the next letter should they not have replied (which is more than likely!!)

 

Thanks for all your advice guys & gals & I will keep you posted.

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I would go for 14 days from when they received it. 1 extra day is no biggie, just makes you look a little bit fairer.

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  • 2 weeks later...

Hi :)

 

Guess what - got the 2-page 'bull....' letter this morning - implying that we are all idiots!

 

So the LBA letter goes off today - just a quick query as their letter came from Andover would you suggest my reply goes back there:confused:

 

Any advice would be appreciated,

Thanks,

Jay-jay

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Hello there,:)

 

Sent off the LBA letter (recorded) yesterday, now they have until 13th to reply. Would you suggest that I start filling in the N1 now - so that I can make 100% sure that it all tallies. ?

When I sent my original charges schedule I did not calculate the 8% interest - should I re-do the spreadsheet and submit that one should it get to Court (which is more than likely)?

Thanks for any advice,

JayJay

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Hi again

Yes there is no harm in starting filling it in, this link will help:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Yes I would do the spreadsheet with the 8% interest.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

Hi to all,:)

 

Just a quick query - LBA sent and deadline is Wednesday 16th. Have not heard anything (no surprises there then!) Have checked the N1 form - do I paste this into word - fill it in - and then send it or take it to my Local County Court? making 3 copies - do all 3 copies go to the Court?:confused: :confused: Should I ring the Court to make sure I get the correct address?

 

Any help would be greatly appreciated - I keep going all over this website, reading and searching, then forget where I saw something that might be helpful.....

Jay-Jay

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Hi to all,:)

 

Just a quick query - LBA sent and deadline is Wednesday 16th. Have not heard anything (no surprises there then!) Have checked the N1 form - do I paste this into word(No need to do that, you can complete it online and then print 3 copies out. Remember you cannot save any dada in the form though, so you will need to print it once completed) - fill it in - and then send it or take it to my Local County Court? (You can do either. If posting remember to send recorded) making 3 copies - do all 3 copies go to the Court?:confused: :confused: (yes, the Court has one, they send one to Lloyds and one back to you once they have been officialyy stamped) Should I ring the Court to make sure I get the correct address? (of the Court you mean ??)

 

Any help would be greatly appreciated - I keep going all over this website, reading and searching, then forget where I saw something that might be helpful.....(save the threads into your favorites, that way you wont have to keep searching for the ones you want)

Jay-Jay

 

I hope i have been helpful, if so PLEASE click the scales

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Hi everyone:)

 

Brief outline - all letters to LTSB have been answered with their normal no. LBA sent and the 14th day is up tomorrow (no answer). Am now getting the Court papers sorted - should I just go ahead and file in the Court or should I contact LTSB and advise that as they have not replied to my previous request I have no alternative but to persue court action?:-? Also does the spreadsheet now have to show the days plus interest as it is now being sent to the Court?

Hopefully some-one out there may know the answers?

Many thanks, Jay-Jay:)

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Hi jay jay,

 

From what i have read on the forum, i believe the advice would be to go straight ahead with your claim as you have already given them plenty of time to respond, and yes, you should now add the interest to your spreadsheet.

 

If i'm wrong on the above someone will hopefully correct me.

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