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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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      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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Brightestsparkler Vs Capital One


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Hi all

 

After reading this site I phoned Cap1 on the freephone no and requested my statements from them. The lady I spoke to was quite nice actually (unusual for Cap 1 I thought). I asked if she could give me an idea of when I should receive them and she told me that as of today they are working on the 26 Mar so approx 2 week wait I guess.

 

I have a small Q i'm hoping someone can help with....

 

Approx 6 months ago I decided to go to a debt help co to get a grip of this blasted card. Will the fact that I have gone there matter for claiming back charges, which i'm sure is going to be a sizeable amount, these constant charges were one of the reasons I decided to go down the route I have as whenever I phoned Cap1 they weren't interested and couldn't (more like wouldn't) help.

 

I hope it won't have any adverse effect - would be nice if someone could put my mind at ease.

 

Thanks in advance!

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Hi,

Just to put your mind at ease it won't matter a jot. The money that they took from you in charges is rightfully yours (plus any interest they have charged you on top).

 

The account is now in dispute (you should inform them of this in writing - preferably by recorded delivery) and as such you don't need to pay them anything until the account is resolved i.e. you get your money back plus interest for the illegal charges.

 

However if your comfortable with your current payment schedule keep paying them as if you don't they may try to illegally place a default on your file.

 

Also send them a CCA request (example shown below) they probably won't comply with it and you can use it as bargaining chip at a later date if need be.

 

{Your Name & Address}

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station Street

Nottingham

NG2 3HX

 

{Date}

Dear Sir/Madam

 

ACCOUNT NUMBER: XXXXX

With reference to the above account, would you please send me a true copy of the executed credit agreements with the prescribed terms.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request and this should be supplied within 12 working days. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act for the agreement.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

I look forward to hearing from you.

Yours Faithfully

{Name}

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi,

 

Also send them a CCA request (example shown below) they probably won't comply with it and you can use it as bargaining chip at a later date if need be.

 

Thanks for putting my mind at ease with that. I think it's easier to keep on paying them and every little helps to becoming debt free!!!

 

Is it essential that I send a CAA request? I'm not sure why I would need it (not really very good with things like this).

 

Would never be able to claim back my charges without the help of the people on such a wonderful site like this :)

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The Consumer Credit Act (CCA) request is important as you are asking them to produce a copy of the original agreement signed by you and the credit card company. Although you don't need to request it if you don't want I would recommend that you do for the following reasons.

 

1. If they can not produce it the debt is not legally enforceable.

2. If after 12 working days of receipt of request (send it recorded so that you know when it was received) they are in breach of the Act and have committed an offence.

3. If after a further 30 days (not working days this time) they have still not supplied a copy of the agreement they have committed a criminal offence punishable by up to a £2500 fine.

 

While any legal action you may have to take to get your charges and interest back will be in a civil court (so Cap One couldn't be prosecuted for this in your claim as its a criminal matter) you can make the judge aware of it. He or she would take a very dim view of this and Cap One are very aware of this.

 

Basically your hoping that Cap One won't comply with the CCA request and can then use it as leverage in your negotiations with them to get your money back as quickly as possible.

 

You can also then threaten to report them to Trading Standards, The Office of Fair Trading, The Information Commissioners Office, The Financial Ombudsman and The Financial Services Authority for their criminal behaviour and under section 25 of the Consumer Credit Act (shown below) which is the fitness test for an organisation holding a Consumer Credit License.

 

25 Licence to be a fit person

(2) a) contravened any provision made by or under this Act, or by or under other enactment regulating the provision of credit to individuals or other transactions with individuals.

d) engaged in business practices appearing to the Director to be deceitful or oppressive, or otherwise unfair or improper (whether lawful or not)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks for that info Rory32, I'm glad there are people like you on this site to help people like me.

 

As i've not yet received my statements when would you recommend that I request this CCA? After my statements and with my letter requesting my money back, or before?

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I'd pop it in the post (recorded) as soon as is poss.

 

As much as anything else it emphasises the fact that you are to be taken seriously by them and gives the impression you know what you are doing.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Well today I have received my so called statements from Crap 1. I am surprised at the final total of charges (£1056.38) as I thought it was going to be way higher than it is.

 

I have noticed that 4 of the charges I have incurred (Sep & Oct 06) are at the rate of £12 a pop. Do I include these, can anyone advise me?

 

Thanks in advance

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Hi BS,

 

THought I'd hop on to your thread. Yes include all charges (see quote from OFT report below)

 

The Office of Fair Trading: Current credit card default charges unfair

'Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12. Setting a threshold for intervention is a pragmatic pro-consumer action that is designed to give the industry the opportunity to change its practice without litigation. It is supported by detailed guidance to the industry as to how to reduce the likelihood of public enforcement'

 

I know you are considering CI so which spreadsheet are you using? i used Vampiress's no 16 as this one calculates how much interest you have been charged on those penalties before compounding contractual interest(same rate as you are paying them) on top. Have a look through her chambers (curly Ben gave you the link) and read her notes on interest. Have a look at afew other threads on the interest theme and you'll soon get the gist and I'll help all can.

 

Ellie

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Hi BS,

 

I know you are considering CI so which spreadsheet are you using? i used Vampiress's no 16 as this one calculates how much interest you have been charged on those penalties before compounding contractual interest(same rate as you are paying them) on top. Have a look through her chambers (curly Ben gave you the link) and read her notes on interest. Have a look at afew other threads on the interest theme and you'll soon get the gist and I'll help all can.

 

Ellie

 

To be honest i'm not sure what to do and just want a result without Cr@p1 being able to wriggle out of anything on a technicality. I've gone to a debt help agency and think that because of this I may run into problems that I won't be able to deal with.

 

I'll send the CCA request tomorrow (geez time flies by) and read through the threads across the weekend and look to send the prelim letter towards the end of next week.

 

I really do appreciate your help Ellie

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Don't forget if claiming CCI you do it from the start so make sure your prelim includes exactly what you are claiming. I would also add you are asking for repayment by cheque - not sure if you have a balance owing but if you do they are trying to repay funds onto cards after court stage and if claiming CCI you want to keep your claim intact so the full amount is owing.

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Hi doo

 

I do have a balance on this and just before xmas I decided to go to a debt help agency to help me clear this problem card, as Cra@p 1 didn't want to help me.

 

I really don't mind if it gets paid off my debt with them as this is what I would do with it anyway, however adding CCI would prob give me some change over too (lol)

 

Am I able to ask for this to br e paid by cheque under my circumstances?

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The reason I said ask for payment to be made by cheque is that cap one have a habit of late of putting payments onto your credit card, now obviously if you owe a balance on the card they will put funds on this first then send you a cheque for the remainder, now this is where you have to be careful in accepting partial payments if you are claiming CCI, you need to keep your claim intact.

 

Not sure what your balance is on card in relation to your charges? Personally I would still add you want payment by cheque and you could add 'whereupon I will repay debt on card' or something to that effect, not sure it will work though.

 

Don't forget if claiming CCI you start this from your prelim letter. Keep us posted.

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I thought I had updated this post (oops!)

 

CCA request sent 3 May 07 rec del.

12 days r up on 22 May 07.

30 days r up on 21 June 07.

 

I take it that the further 30 days start as the 12 finish am i correct?

 

Not sent my pre-lim letter to them yet as I am waiting until I have filed MCOL with RBOS 1st do not wish to confuse letters :) Their time will be up at the end of the week so will get started with Cap1 soon after.

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I take it that the further 30 days start as the 12 finish am i correct?

Spot on

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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It won't matter that you have an arrangement with a debt help agency, I had one with Spectrum ( I know, I know....) but I have had £80 back from cap one so far, just done MCOL tonight which will clear my balance and have about £75 over. If they hadn't stuck these on in the first place I wouldn't be in this position.

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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If they hadn't stuck these on in the first place I wouldn't be in this position.

 

I hear what you are saying there Andrew66;)

 

Thank your for posting that, it's encouraging to hear there are other people out there who are in similar boats :-D who are getting their money back,

 

Good luck to you!

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  • 3 weeks later...

A quick progress report after sending the letter requesting CCA, last week I recieved a letter from Cr@p1

 

"Thank you for your recent enquiry. I have enclosed details of the Terms & Conditions for your credit card account. Please keep these details for future reference."

 

I take it that what they have sent me is not actually what I requested at all?

 

So... does this mean that as of 12 June which will be the 30 days limit if they have still not supplied a copy of the agreement they will have committed a criminal offence punishable by up to a £2500 fine. :cool:

 

How on earth does that get imposed?

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I take it that what they have sent me is not actually what I requested at all?

 

Correct - it doesn't even come close.

 

How on earth does that get imposed?

Report them to TS - they have powers to prosecute.

 

Roughly how much do you owe to Cap1?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Then you may wish to negotiate with them before reporting them to Trading Standards.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Yeah, there's really no point in contacting them until they have committed the summary criminal offence.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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