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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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Bank Paid me Twice


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Hello!

 

I need some help, not sure what to do, I was chasing my bank through the letters on here and then as they started to threaten me with closing my bank I went to the FOS (financial ombudsman) the bank first replied to me after receing a letter from the FOS and paid me back almost striaght away. that was a month ago, so when I looked at my balance last week I was a little shocked to see that they have paid me again. I have received a letter from them saying they are paying me back after receiving a court claim (which I cancelled).

 

I know what I want to do, with the money :)

 

but what should really do, by law?

 

Thanks

Cuddles

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Hi,

this happened to me too.....I did'nt notice they had paid me twice as they paid the money in...and took it back out within a few days. They did'nt mention their error, and I was only aware of it when I was checked my bank acccout online a few days after it happened. (I had a nice healthy bank balance for about two days!!:) )

So they can just take it back out of your account, and without notification, it seems!

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Hi, I work in the finance area at my work and our payroll department has got a habit of messing up peoples wages when they leave the company.

 

At least 3 or 4 employees that have left have been double paid on their last month.

 

We have only managed to get one lot back and that was by asking nicely.

 

Apparently someone receives the money in their bank and spent it in good faith (i.e. didnt actually know that they had overpaid you and spent it without looking or realising) then legally we didn't have a leg to stand on trying to get it back. And were advised that if we took anyone to court to try and recover the money we would almost certainly lose.

 

Dont know what other laws are in place here, but it seems to be quite similar if they put the money in your account. Especially as it usually shows as a cash receipt in your account.

 

You could say that your mate owed you some money and you thought he'd finally paid you back.........

 

Please dont take this as advice in any way, just a comment!

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My bank used to withdraw money out of my account without consent to pay my credit card also held with them. The card was in dispute because of penalty charges and they would take the minimum payment out of my account.

 

It would show on my account as a cash withdrawal.

 

I kicked off a complaint as there was money leaving my account (showed as cash) but yet I hadnt withdrawn it.

 

They said it must have been me taking it out of the cashpoint, but it clearly wasn't as you can't take £23.58 or whatever in pence out of a ATM.

 

I wrote to them and threatened FOS unless they investigated. They reversed the items and reimbursed me for the withdrawals as they could not prove I had made them (which of course I hadnt). Even though the reimbursed me for the withdrawals without my consent they never deducted the payments back off my credit card.

 

They never realised it was actually their own staff withdrawing the money and paying off the credit card with it.

 

Goes to show how good these banks systems and reconciliation processes are.

 

Their paperwork is not up to scratch and that is why they make these errors. Surprising what you can get away with by challenging them.

 

If the bank reimbursed me twice for bank charges I would sweep it to my savings account to at least earn the interest until they asked for it back

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This happened to me last Sept. The banks still haven't realised i was paid double.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Not spent the money and don't think I will for a long time, left it just sitting in account, thanks for all your comments, think I will just leave it and hope they don't realise it.

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This is a good thing to teach the bank a lesson about taking money from others.

I'm waiting for the FOS to let me know what they plan to do with my case and hopefully get my charges back.

They closed my account without any notice and took money from my saving account to clear some of the overdraft I never ask for and now I have a debts collection agency ringing and writing to demanding money.

 

So if this was ever to happen to me I would take it all out and put it in high interest account with another bank and leave it there to gain interest like they are doing with the charges and wait for them to ask for it back.

Also open an account with another bank for your day to day affair and have a fresh start.

This may sound a bit childish but what goes arounds comes around....

Right thats my advice, now can anyone give any idea if the FOS are as good as they say they are? lol:)

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They closed my account without any notice and took money from my saving account to clear some of the overdraft I never ask for and now I have a debts collection agency ringing and writing to demanding money.

 

So if this was ever to happen to me I would take it all out and put it in high interest account with another bank and leave it there to gain interest like they are doing with the charges and wait for them to ask for it back.

Also open an account with another bank for your day to day affair and have a fresh start.

This may sound a bit childish but what goes arounds comes around....

Right thats my advice, now can anyone give any idea if the FOS are as good as they say they are? lol:)

 

 

I might just consider that myself at a later date. Once my current claim is settled. I will certainly not forget the advice.

 

Ta and good luck!! (I would never have thought of that myself!!)

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  • 2 weeks later...

Well, I read what everyone said and just left in my account, they have'nt come back to me yet, so not sure what to do next, think I will just leave it there gaining me interest.

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I can say today that the FOS are worth approaching as they wrote to me saying that Lloyds TSB have offered me £5145 without a Formal Investigation as they don't want to be caught out on what they are hiding from the customers.

This is £400 short of what I've been claiming for.

However Lloyds TSB won't accept liability or will say that their charges were unjust which I expected.

I am considering asking for the 8% sat interest to be added to what they've already offered.

I first approach the FOS about 4 weeks ago and started my claim on the 2nd March 2007.

So I think the FOS have done what they've promise and also I've spent roughly £15 in total to get this far without court involvement.

So if people are unsure of these guy...give them a chance.....

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Hi just read your thread, the halifax paid me on the 22nd june my bank charges refunded and today i noticed that they have paid me on one account again, whats the best thing to do x

 

dolphin, you have been told what's the best thing to do on your own thread, and quoted the law to show you why you can not, must not keep the money, asking elsewhere is not going to change that.

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  • 11 months later...

Hi just come across your message the bank paid me my charges back last year then took 2175 back when i rang they said it was interest i owed them on a loan i told them id never had a loan they refunded it me back twice, just wandered if they ever realised that they paid you twice, thanks lorraine

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I first approach the FOS about 4 weeks ago and started my claim on the 2nd March 2007.

 

So if people are unsure of these guy...give them a chance.....

 

You're lucky. I've been with them for 12 months now and no offers yet. Still "waiting to hear back from the bank" they tell me.

 

You might want to read my thread on 'FOS decisions and guidelines' about how they treat any complaint which is not straightforward, i.e. where the bank doesn't offer the refund immediately or DCAs are involved. I've had nothing but bias towards the bank and DCA. Even had to pay again on closed, settled accounts.

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