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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Becci v HSBC ****WON****


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ooooh I'm SCARED!!!

my hearing has finally come around so at 10.30 tomorrow I'll be facing some barrister in court (here's hoping they've got all the decent ones working on the test case and I get some numpty...hmm maybe not)

 

got my arguments ready (pages n pages of 'em) but still feeling very very scared. tbh don't think Ive got a cat in hell's chance, as the current state of affairs gives the judge the perfect get out clause. ho hum.

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I wish all the best for tomorrow.

 

Good luck and let us know how it went. I will have my fingers crossed for you.:D

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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well folks...

**** I WON!!!!! ****

WOOP WOOP!!

 

Got to the court this morning (with my mum for moral support hehe) and DG's barrister was already there. He had come from the other side of Nottingham, so probably 100 miles or so. The clerk let us go into a room while we waited for the judge and we had a bit of a chat, mostly about the test case (he didn't even know that it had already started, which was not v impressive) and he said how he thought it would go - i.e. that the banks would win (well he woudl say that wouldn't he?!) and that we would be lucky to get even a portion of our charges back :-x

 

I handed him my response to DG's application to set aside and he didn't even look at it - he had a copy of the CPRs with him and was sitting reading that so I thought he was doing a bit of last minute preparation, but then he said he was doing a talk later today and so was reading up for that!! It was obvious he thought it was a done deal so he had done absolutely nothing to prepare - how arrogant :rolleyes:

 

Then we went in to see the judge and she first asked the barrister what the basis of his application was. He basically waffled on about the banks being inundated with similar cases and how it was impossible for them to comply with the court's directions in time, plus that "mistakes do get made" and that my case was one of them and had obviously slipped through the net. I noticed the judge didn't look best pleased at this, so when she let me have my say I highlighted the time DG had had to comply with the directions order, and that they had done absolutely nothing, but that when judgment was awarded they responded within 2 days!!

 

She then went on to give her judgment and said that she appreciated the pressure the banks were under as a result of these cases, but that if they felt they could not comply with the directions in time then they had plenty of time to at least apply for an extension, but they did nothing. And with that, she declared that the judgment against the bank should stand! :D

 

So I thanked her very much and off we went! On the way out the barrister was suddenly much less friendly - he half-heartedly shook my hand before hotfooting it out the door!

 

I should really have asked what the arrangements were for me to get my dosh ie how long they have to cough up, but I was in a state of shock and grinning from ear to ear at the time! I imagine I'll get something from the court to confirm that the application to set aside and stay proceedings was rejected and that my judgment stands, and to set out the payment requirements. But I think I might give the court a ring tomorrow just to check.

 

I absolutely cannot believe it!! I'm so chuffed! So who's gonna add a big fat ***WON*** to my thread??

Thank you so, so much everyone for all your help, I really couldn't have done it without you, especially Debbie - your arguments really helped me get my head round it all.

 

xxxx

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Well done Bex...Thread title duly added to.:D

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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She then went on to give her judgment and said that she appreciated the pressure the banks were under as a result of these cases, but that if they felt they could not comply with the directions in time then they had plenty of time to at least apply for an extension, but they did nothing. And with that, she declared that the judgment against the bank should stand! :D

 

I should really have asked what the arrangements were for me to get my dosh ie how long they have to cough up, but I was in a state of shock and grinning from ear to ear at the time! I imagine I'll get something from the court to confirm that the application to set aside and stay proceedings was rejected and that my judgment stands, and to set out the payment requirements. But I think I might give the court a ring tomorrow just to check.

 

 

Your original judgment said forthwith so I would wait for the official confirmation from the court then go to the court, get your WOE and instruct a bailiff :D unless you want to give them some more time to pay up :rolleyes:.

 

pete

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congrats.gif

 

well done becci i knew you could do it!!!! thank god we were night owls and got your judgement done just in time...if i remember it was a late night job and you were up,till stupid 'o'clock finishing your application for judgement!!!!

 

i got my money in the bank 2 days later...followed by letter from HSBC to say they were gonna pay it!!!!

 

girl power!!!

 

debbie xx

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thank you all so much for your good wishes, it's so nice to be able to report some good news for a change!

 

I just hope the bank's idea of "forthwith" is the same as mine i.e. NOW!!! I think i would have prefered to have the usual "pay within 14 days" as at least everyone knows where they stand. As Pete says, I'll wait til the official paperwork comes through from the court and, in the meantime, just keep checkign my bank balance (:eek: not something I do very often - I'm far too much of a wimp!)

 

debbie, I really can't thank you enough! yes it was a VERY late one if I remember rightly (I was also up til stupid o'clock on Monday night preparing for the hearing and all the while thinking ""this is a waste of time I'm not gonna get anywhere", so it just goes to show!) Plus if you hadn't pointed me in the right direction I wouldnt have even known to go for judgment. I am so, so grateful to you for all your help - you are an absolute star! :)

 

We done good, didn't we babe?!

 

xxx

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Isn't it great to see someone get a result these days!

congratulations becci!!!!!!!!!

Well done - enjoy your win... :) :) :) :) :) :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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money in the bank - woo hoo!!!

 

Guido & Debbie you were right - it was actually credited yesterday - the day after the hearing - but I didn't even think of checking that quickly knowing HSBC as I do.

 

Just one thing - the amount credited is the exact figure from my judgment - as Latty mentioned I was expecting extra interest. From the date of judgment to the date of payment it would have been about £45 so I'm not too fussed. Have I just got muddled?

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hi becci... wow that was quicker then mine.. you now hold the record for quickest pay out!!!:D regarding extra interest my judge actually worked out the interest at the end of my hearing and that figure is what the barrister took back to DGs... you should get a letter from court to tell you that judgement has been upheld and on that will be the final amount they should have paid you...if it differs from what you got then contact DGs in writing of course and recorded... (you know the drill!!!) asking for immedate payment cos although they have paid most of it if there is some outstanding they have not cleared the judgement yet!!! i know its only small amount but thats what they were doing with charges in the first place so it all counts!!!!

 

well done again and it was a close call this one... so glad i was on that night it could have been so different had you not moved quickly and you didnt give up as i have seen so many times on here....!!!!

 

debbie xx

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Well I was certainly shocked!! Its a bit ironic really, seeing as I probably only won in the first case because of how SLOW they've dealt with everything!! I think they were just sick of the sight of my name and wanted to get my file off their desks asap!! :p

 

Debs I've emailed you a copy of my argument. I'd be interested to see what you think.

 

I'll wait til the official paperwork comes through from the court. If the amount on there is the same as what I've got then I don't suppose I can do much about it. I don't see why I should miss out on the interest tho just because they applied for a set aside and failed.:mad: I'm sure its worth a letter to DG but, having got paid what I have, I'm not gonna make a huge fuss about £45.

 

xxx

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Hi Becci,

 

Well done on your win. I am in almost the same boat and have got a telephone hearing on 14th Feb.

 

Please could you send me some of your arguments etc as I don't seem to be getting a lot of help on my thread!

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/119349-judgement-default-now-application.html

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