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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?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
    • 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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    • Hello,

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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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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'Claire' v Natwest **WON**


Thailand
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Guest NATTIE

thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.

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Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx :p

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thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.

 

You know Nat, I called her today because I simply didn't ask enough questions and Lula's Appropriation post was enough to make me realise I debating it wasn't enough and I should get the answers.

 

I don't know the answers to these questions either:rolleyes: I will call again tomorrow and ask. Thanks for the support.( I was just going to wait for statements and see)

 

Nat, I probably should know better - but why does it matter if it was a charge or a DD that took her over? I can instantly see the difference but I am unsure of its worth.

 

Thai

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Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx :p

 

 

Awwwww, thanks:-) Anything to add a nail into the Banks coffins.

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Guest NATTIE

at the moment just background info to be honest, it is getting a picture of things which can help. I think once the SAR is fulfilled then the picture will be clearer and i can help more if there are any questions.

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Thai, sometimes it takes someone looking it from the outside to see things, ever heard the phrase "cant see the wood for the trees" well your are inside the wood ;-), thats what is so great about this site and the people on it.

 

oh and i have to ask, where on earth is Tangerine country? :D

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Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Arghhh, I'd have to rely on your memory rather than mine! I did go in the chatroom a fair few times, but real time multi postings left me baffled as to what was being said. I've a feeling we did - but can't quite recall. Note to self *knock the russian fluids on the head* :o LOL x

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  • 2 weeks later...

Hi peeps,

 

Well an update rather sooner than I'd thought. I am completely amazed. I haven't really had a good read around the Natwest forums (I will!) so I don't know if this is standard, but Natwest has complied with the SAR in around 7 working days (still pinching myself).

 

I really don't know where to start with the plethora of questions that have been popping in my head over the last couple of hours, whilst highlighting like crazy, but if anybody can help me with a few, I'd sure be grateful. The info and plausible outcomes on all levels is spinning round my head!

 

Right, I'll probably have to subtract some because these charges are all over the shop, and change frequently and are not that clear to me, some may be for service and others are bewildering but, I think this is going to be a potential fast tracker and I've never done that:( ( having seen these fees etc, I can imagine Nasty West loathers are used too it?)

 

The quick calculation comes out at £5283.78 :-x (includes part month charge increases, I assume). I know for sure looking at Natties charges post it is going to over 5K.

 

The first thing that is concerning me is that the statements recieved run from 9th Feb 2001 to 29th December 2006. Why have they gone back too far, and stopped to early - is this tactics? Towards the end of these statements 'Claire' was running up hundreds every month - the figure would surely have been close to 6K if they had provided up until my SAR request.

 

Thanks for any help with this guys.:)

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Guest NATTIE

Credit management services?? Did the account go there? Also recheck those figures, remember advantage gold cannot be claimed, hint £37, £29, £40.

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Haven't seen Credit management services Nat, I don't think (god bless you for being online!)

 

I've seen loads of £37,£29 and £40 and loads of £9's amongst loads of other randoms. How do I find out from the statements if its adv Gold? it just says current account at the top.

 

I'm baffled!

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Guest NATTIE

100% it is. There is two threads on the natwest sticky's by my good self that explains them, they may one or two that may not necesarily tie in, post on here and i will answer definitively. But £37, £29, £40 and £9 tell me that i am correct but among the first three of those, there is unarranged borrowing and claimable.

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If I've understood that correctly, there's a fair bit to knock off.

 

Thanks for the help Nat, I'm going to get some serious reading done, and get a better understanding of how Natwest operates, and then post further.

 

Just had anther quick skim through, and all of the above numbers appear at some point, including £14 and £20 Unauth borrowing.

 

Thanks again.

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Righty ho! I've got my head round all these charges.

 

Its going to be over 5K.

 

Natwest only provided 5 years 11 months despite asking for her entire banking history. I don't yet know how long she has banked with Natwest, but there is a running balance, so it does go back further.

 

I still don't understand why they have only sent up until December 06. If Claire hasn't got those 4 months to hand, I'll see if she's up for giving Joyce Tudor a call. I'm considering a letter to the IC for non-complaince, but will wait for 40 days to be up and phone calls etc. The Natwest fun begins.

 

There is only one charge I'm puzzled with now, £22.50 for 'copy statement fee' in Feb '03 - WTF?!

 

If I can't sort this out easily (re phone calls) I'll seriously look into the power of attorney thing.

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Well, I'm a happy chappie this evening, I feel mightily relieved.

 

I've spoke to Claire today and managed to find out something that I should have known from the start that relieves me of all the potential problems I was worrying about. I was worried about Appropriaton and what the banks reaction would be (freebirds getting called into the bank was on my mind and having just lost my licence and the distance etc). Also needing signatures re non-compliance, and phone calls etc....

 

I could go on all night about my worrying:) but its all vanished, because it turns out the reason why Natwest only provided statements to Dec 06 is because the account was closed then (even though I don't see a closing balance?) She is now with RBS and in no cycle of charges.

 

So, I'll put in prelim in the next couple of days - the statements do go back beyond 6 years - just - but I think I've read they'll either pay them or they won't.

 

Has anyone any opinion on the £22.50 copy statement fee before I charge on?

 

Cheers,

 

Thai

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Guest NATTIE

Yes, it was £2.50 per sheet minimum charge £5 at one point which changed about a year or two ago to £5 per request

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Cheers Nat.

 

Prelim ready to off tomorrow, £4874 as ADV gold and I missed bank refung took it under. Claiming 23/02/2001 - 06/11/2006.

 

My BP wasn't doing to well when I noticed they had taken £538 in April 05, and similar around those months.

 

Gits!

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  • 3 weeks later...
  • 3 weeks later...

Evening, good Caggers.

 

I'm having a little prob with this claim and wondered if someone could aid me in a little advice. The logistical one has been overcome, but I'm finding myself in an area I've never been into before, nor ever read about (I have read exactly where the info lies on HMCS, but its not sinking in!)

 

When I submitted my mums YB claim, it was via EX160 (exemption) and as she qualified, it was pretty straight forward. However, as this lady claims Serious Disability Allowance - she doesn't qualify, it sucks I know, but they must know why thats the case, as I don't. Which leads me to my question.

 

I now have to consider Remission (another way of getting this claim raised for free, or reduced), as this lady can no way afford it.

 

As I've said, I read the info - but I've got alot on my mind at the mo and it just refuses to answer my questions! HELP!

 

Anyone in the know know about Remission?.She has a wage (from partner) coming in at around 750-800 PCM, and her SDA. As this is is not from Income support with Serious Disabily Element, she simply won't get Exemption.

 

I realise its a tricky one, and I can ring the court - but I did that today and it was like banging my head against a brick wall - its all about circumstance and income/expenditure which I can appreciate.

 

I guess I'm asking if anyone out there has any experience in this, and what might be the best way forward?. Spoke to 'Claire' again today and is still not getting charged at new bank (not possible she says, I hope so), but I know for a fact - and having just done her income/expeniture, she can't afford the fees.

 

Anyone any ideas? :(

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  • 4 weeks later...

Looking for a bit of advice:D

 

I haven't got round to submitting Court claim yet, the main reason being fees. Also problems with remission.

 

This shouldn't be a problem as I have an offer of 93% on my lap which 'Claire' is desperate to accept, and has signed the acceptance.

 

My concern is that it says 'paid into your account' which is closed, and that that it doesn't appear to be time bound.

 

I'm thinking I should write in stating as the account is closed, payment should be via check, and within 14 days.

 

Any thoughts?

 

Jeez, the letter could almost be generic:rolleyes: even though they have clearly reviewed this case. (Just forgot she doesn't even bank with them)

 

Thai

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Well you could write back stating that you accept on condition that the money is paid via cheque for deposited into XXX account, dont forget about not accepting any confidentiality clauses and not being able to claim again, but if it is not stated in the letter then dont worry about it, oh and very well done :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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