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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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    • 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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Steve vs Abbey ***WON POST OFT***


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Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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If you are claiming back bank charges then open a new thread (Your name) v (Your banks name).

 

So depending what bank it is you will to go into that banks specific section and post the thread in there.

 

Hope this helps-if not let me know.

PPMAN159

 

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I think the message that says we should post a welcome to the forum should mention the 'new thread' tab as it took me ages to find it, as I was looking for a 'pots welcome' tab, but then I am as thick as a doorstep bacon sandwich with brown sauce...mmmm

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It is always recomended that new posters take time to just look over the site,read some of the other threads-this way they can get a feel as to what the site is all about.

 

Anyway you are here now Steve so post away!!!

PPMAN159

 

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Guest ChloeJane

Hi Steve,

 

Bit daunting at first?! Welcome!

 

I won against Abbey!

 

Just thought I would say hi and give you some useful bits to get you started, so you didn't get lost!

 

To start your own thread of information on the forum, you can find out how here.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84

 

Step 1.

 

Get your information! So you know what to claim.

 

You do this by easily following templates by copying and pasting them to suit you and your details.

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

Click on the link above and you will go to a template that will be to request your data and information from the bank.

 

You can than spend the 40 days waiting for the information but can look around at what the tiimetable will be and what steps are next.

 

A great link is below which sets out a sample of the process. The links are on the right.

 

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

 

Chat -- is a great way to ask questions instantly! so come on in and meet new friends and find support.

 

 

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

 

Don't be afraid to just type and ask and you will see how friendly we all are.

 

Look me up if you need more help! Step 1 is the letter.

 

Good luck!

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Hi Chloejane, you won against Abbey? Great! You'll have to give me some tips.

 

My ball is rolling. One week ago I sent my first letter requesting bank charges over the last four years. They said they have received it and now have 10 weeks to respond according to the Financial Ombudsman. I said that accoding to my information they had to respond within 14 days, by which time I can send another letter before action, and start my small claims running through the court system.

 

I was actually fuming last night as I went over my overdraft by 93 pence (for a train ticket purchase of 3.60) and was charged a further 50 pounds :o). How can they keep charging such extortionate amounts??? The customer service advisor at Abbey even admitted it was RIDICULOUS. Not only is it ridiculous it is CRIMINAL and actually THEFT. Totally unjustifiable. Now I have to rewrite my letter adding on the new charges, do I? The customer service adviser said I didn't have to. And What about the ten weeks thing?

 

What happened with your case? Did it go to court? Did they pay up in full? How long did it all take?

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The ten week thing is complete B@@@@@@s stick to the 14 days.

 

It is not actually illegal but it is unlawful so carry on with the claim and dont forget to include the latest charge.

 

The reason why they continue to charge such high amounts is that to date no one has managed to work out the true cost so I suppose they will keep charging at these levels until such time as they are ordered to reduce them.

 

After all it has been a nice little earner for them over the years.

PPMAN159

 

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  • 4 weeks later...

I have recently sent my LBA to Abbey and am about to file my court papers. How do Abbey usually deal with this? Will I need to arm myself in preparation for arguing my case in court? I'm reclaiming 700.

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I have recently sent my LBA to Abbey and am about to file my court papers. How do Abbey usually deal with this? Will I need to arm myself in preparation for arguing my case in court? I'm reclaiming 700.

 

 

Hi you will need to read the FAQs and the step by step instructions, these will give you an idea of what to expect. Also read some success thread in the Abbey forum. Start a thread in your bank forum and post your questions there. You will of course need to be prepared for court however the chances of you getting there are vey slim. ;)

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Hi you will need to read the FAQs and the step by step instructions, these will give you an idea of what to expect. Also read some success thread in the Abbey forum. Start a thread in your bank forum and post your questions there. You will of course need to be prepared for court however the chances of you getting there are vey slim. ;)

 

 

I believe my case may go to court. Abbey have not settled my claim and paid an amount into my bank account. Then the amount was incresed with abbey's calculations. But they took £100.58 off the bundle figure already agreed upon. Plust they still owe me £35, SAR fee and the daily figures still ongoing. I had asked for CI but informed them i would have settled for the settlement but they refused to refund the £100.58/other. they pushed the CI issue in a priminary hearing of which the judge clarified to her it could not be dealt with in 10 mins. She was very annoyed. the judge has asked for a hearing lasting 2 hours (including reading time) and costs to be determined. I really do need some advice....

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Hi, I was only reclaiming £190 but the Abbey have decided to defend (standard Defence that I presume is sent out for every case) but I have just received an order from the court with a date. So I would prepare yourself for the Abbey pushing you to take it further. They may of course settle prior to the court date - I hope!

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yes. History says Abbey will settle before the court date. I am toying with the idea of letting one of the company specialising in retrieving bank charges on a win only 15% fee basis. Anyone done this?

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Why pay someone to write a few letters for you?

 

If they charge 15% does that include any court filing fees you have to pay or is it on top cos that could make your returns smaller still?

 

Why not give it a go yourself, you'd be surprised how much satisfaction there is in winning when you've done it yourself?

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Well folks you will be very pleased to learn that I submitted my court bundle by the deadline of 22 May (just) and I have just received a letter this morning dated 23 May stating that the Abbey will settle "without prejudice" and without admission of guilt. Who cares what they do and don't admit to - I've got my money back! So all of you who were as frightened as me of Abby taking it all the way - carry on - they will settle. Good luck and thanks to everyone for all their information it has been a great help.

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blue bar towards the top of page, above that click on Consumer Action Group then scroll down & all the banks are listed alphabetically.

 

in the 'quick links' on the blue bar it will list any threads you have posted on

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  • 2 weeks later...

Abbey credited my account with £170 this week saying that is all they are going to repay out of goodwill. My claim is for £640 + interest. I have already delivered the court papers the day before, although Abbey wont have recv'd them yet. What happens now? Are they likely to pay up the rest before the court date???:rolleyes:

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Steve E, Send them a rejection of offer letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html. Please start a thread on the Abbey forum. Click on link.http://www.consumeractiongroup.co.uk/forum/abbey-bank/

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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