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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. 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.
    • 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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x3 claims against Lloyds TSB


su2402
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I have today finalised 3 letters to be sent tomorrow recorded delivery to LLoyds TSB.

 

3 letters because I had 2 accounts with them and also a credit card.

 

I have basically calculated what they owed me from the statements luckily I have kept since 1998 and have entered the data onto a spreadsheet and calculated the interest. I used a letter template from martins money tips as the wording is simplified and mentions claiming the interest the courts will award anyway (felt this might show that I will go to court if necessary)

 

anyway they have 14 days so i'll track the recorded delivery on the web and see when they acknowledge receipt and the clock starts ticking.

 

total amount claimed: £1668.50 not including interest.

 

Shall keep you posted on developments.

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I would seiously advise against sending those letters, particularlly in a claim against LTSB. The template letter from here is more effective and does not suggest a compromise. LTSB will most probably make you issue a claim against them so you need to be clear in what you are setting out to them from the outset.

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I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to Lloyds TSB.

 

The charges total £1299.00, plus as I believe I have been unlawfully deprived of the money I have calculated £539.13 interest at the statutory rate, the amount the court will award.

 

I therefore ask that you repay me the full amount of 1838.13. I have attached a full schedule of the charges and interest with this document.

 

I look forward for a full response to this letter within 14 days.

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just thought otherwise i just ask for the minimum where actually i want the max from them. and might settle for the lower amount if they felt generous enough to offer a compromise?

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did see that letter but thought you couldn't claim overdraft interest so was a bit confused why it was mentioned. I also thought perhaps short was sweet? ohhh i'm confused now :(

Su

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No need to be confused - have a good read around here - in particulat the FAqs and the many posts in the Lloyds forum and you will then find that all will suddenly become apparent. Do not however rush into sending ill advised letters, you are after all threatening to sue a major financial institution. That said if you follow all the advice on here(and there is a lot of it) you will get your money back.

 

Good luck with your claim - keep us posted.

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hi su2402, just to say I started with martins money tips, and sent the initial letters from the site, he did make it sound very easy.;)

He also pointed me towards here which has been a god send.

As nic says this is serious, and you need to read as much as you can, and everyone here will guide you through it, you are not alone!

I have had LTSB put in a defence, my Allocation questonnaire has been submitted, and I am waiting to hear my court date.

They are in the wrong:mad:

 

So good luck with your claim, and keep us updated:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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3 letters sent today recorded delivery. I can access the data regarding when the recorded items were accepted by the addressee so shall keep a look out. and then 14 day count down starts :o)

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eeeek guess it is just sinking in when you have handed letters over in post office and realise there's no turning back (not that I wanted to)

 

read somewhere that to be fair you should go from date letter received and recorded delivery offers tracking so you def know it gets their.

 

just the start of a long struggle with more letters and then court before they cough up from what I have read.

 

bought 2 scratch cards today and won £9 and sold caravan also for a good price so luck is looking up i think :o)

 

will keep you posted

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does anyone know if you are treated different if the account is now closed that you are claiming off? obviously money can't be paid into this account etc. But on a plus point they can't close my account down as it already is.

Worst I have with Lloyds is a 10 year loan to basically prevent further charges and huge overdraft interest that I was paying. So changed overdraft into a loan instead.

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read someone has a loan they are paying off (mine was basically turning a £4000 overdraft with overdraft interest of £60 a month into a loan over a long period to clear my 'debt' with this claim is there anything Lloyds can do apart from offset what I might win against what I owe?(btw I pay on time by direct debit for the loan and have not defaulted at all on this)

any advise appreciated am counting down my first 14 days at the moment.

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sent off x3 letters (2 bank account and 1 credit card) asking for money back (based on statements I already had) and told them the 14 day wait and i waited :o)

 

just got x1 letter today

their reference complaint ( i just asked for what is rightfully mine!)

and they say the following:

I am writing to acknowledge receipt of the concern you have raised with us.

blah de blah

It is expected that our enquiries will be completed within the next 4 weeks and we will then be able to fully respond to you.

Thankyou for your patience etc.

 

 

how do i stand legally if i do wait til they reply (as long as this is 4 weeks) and should i expect 2 more similar letters or can they reply in bulk using one reference for basically 3 different account numbers.

Also could it take Lloyds longer to look into this as i have not asked for statements because I have them all already?(basically giving them opportunity to have charges already listed)

 

confused lots now!

 

and just got letter demanding money off tax credits they have me as earning £27K so say have over payed me (my thought...I bloody wish I was lol)

 

any help appreciated

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And dont forget to allow 2 days for postage delivery. So in reality you allow 16 days between each letter and then issue your claim via either mcol or n1.

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And dont forget to allow 2 days for postage delivery.

 

Up to you - but not entirely necessary - after all if the boot was on the other foot and they were chasing you for money do you think they would be so lenient - the 14 day timescale is perfectly reasonable for a large institution to respond to should they really want to.

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x 2 letters received.

the references do not match account numbers so am confised. first one i got has a compaint reference !

and says" i am writing to acknowledge receipt of the concern you have raised with us. ...it is expected that our enquiries will be completed within the next 4 weeks and we will then be able to fully respond to you" signed customer service recovery centre

 

the second says "thankyou for getting in touch, i'm sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough un their accounts to cover a payment, this always eans extra work - and has to happen very quickly. We have to agree to make the payment by incresing the overdraft, or tell the customer we can't agree it. We feel it's fair to charge for this service.

Of course it's only fair too, that we're completely open about any charged-for services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, the helpline and website.

If you know a payment will take you over your limit you're welcome to see if there's anything we can do.

The Office of fair trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.

I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges.

 

It then weirdly says the following: if you've asked for copy statements and paid the fee we'll send them within the 40 day period. If you have not yet sent the fee you will need to send it to us at the address below.

 

I say weirdly as I have stated the dates and charge name and amount (as i have the statements)

 

where am I now?

do i call to see which one they are meaning with which letter?

and presumably carry on with letter 2 although do i challenge the points they have made?

 

any advice appreciated

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Hi su2402 I think you will find they are standard letters, sent out as soon as you mention charges, I sent a nice letter to LTSB re my daughters account and a couple of charges, asking for refunds, no intention of going the court route, and just got standard letter back. so I thought sod it, we are now at the end of the 14days after sending the LBA same point as you, I will print off the POC, and my daughter will take it in to her local court.

Don't bother ringing them, just winds you up and wont acheive anything, just progress with your claim:)

remember you are not a person to the bank just a number:rolleyes:

read read and read some:p more

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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