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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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    • 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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Seminole v Abbey: £10,235 RECEIVED


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Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

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Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Hello and Welcome I have not been here that long myself but what I have learnt so far is that they will try and frighten you with jargon you dont understand, they will wriggle and fight at every turn but if you keep faith and do everything that is in the FAQ's and standard forms then you will win, because no one has yet lost.

 

If you read the FAQ's thoroughly and read a few of the threads on here (honestly it is better than a soap opera) you will learn what to do and in what order to do it. Your first port of call is to aquire all your bank statements for the last 6 years, you may have to request them from the bank, there is a template letter for you to use, send them £10 with it, this is the maximum that they are allowed to use, and in about 40 days you "should" receive them, there is also an excel template that you can add up all the charges. If you require any more help then, the best thing is to start your own thread and there will always be oneof these wonderful people on here that is around to help you out

 

best regards and good luck

 

Julia

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Please could you start your own thread. Thanks.

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I bet if you owed them some money from yonks ago they would be able to find that bit of evidence in their filing system, what a disgrace mind you I am having much the same from the Halifax, so nothing surprises me

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

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This is a very interesting topic. I received a letter back from Abbey today stating once again that information held on microfiche is not covered under the DPA. This was in reply to the microfiche letter at the top of the forum.

 

Im now stuck with what do do. Do i just sit and wait for them to arrive, write them another letter, or start court proceedings to get my statements?

 

In the meantime, im going to sit here and eagly watch this thread!

 

Good luck to you.

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Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

 

Except this thread is about Abbey!!! :D

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Had a look back through the printouts that Abbey has sent me and it appears that some of them are actually from microfiche.

 

Have a look see if yours are the same.

 

What you are looking for is what looks like a verticle list of transactions that looks like a computer print out, however at the bottom it will have either:

 

**** ACOUNT CONTINUES ****

**** END OF ACCOUNT ****

 

If you have prints like these then they have already given you some of the information from micofiche, which blows the whole difficulty issue out of water!!!!!!!

 

I'm looking forward to Abbey explaining this one away in court :D

Ex Abbey Staff....

 

Abbey 15/4/06 SAR. microfiche argument, filled for breach DPA. defence rec'd

LBA sent claiming £3180 estimated

 

Capital One - Full refund

 

MBNA Letter sent requesting money back 1st July

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This is a great thread and i wish you the best of luck. I find that i too am in a similar position although you are weeks ahead of me. Good Luck :p

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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So you know I have given up reading "books" because this site is more enthrawling than any novel :-))

 

and Seminole, if I do get my statements and you do need a witness statement or even a witness then I will be more than happy to oblige

 

Hi Julia, did you get them through?

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Hi Julia, did you get them through?

 

Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

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Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

 

Well, I rang them and the lady on the phone said that there was a big delay blah blah blah, and I asked her what that had to do woth me as I was assured that my statements were in the post last Wednesday? She said that she had to not on my file to back this up, I told her that she needed to look on the complaints log as it was on there.

 

She got a little more to the point when she realised that this was a person who understood how these calls were logged :)

 

Well she went off for a while and apologised profusely and stated that she had "found" it in the log and that they werent in the post at all (surprise surprise) so she "promised" me that they would now take priority and that i would definately have them by Friday and she (without prompting) gave me her name and a reference number to get back to her if they didnt arrive!8-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

 

I never mentioned them and neither did she, at this stage, I thought it better not to mention them as I think it might be getting somewhere, if I get them Friday this will be a big plus for everyone who is being battered by the MA and I will be willing to sign an affidavit listing all this should anyone want to go to court.

 

Of course the Information Commissioner might be interested too ;)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

 

 

So are they there, come on man (?) you havnt time to each your dinner and watch emmerdale, what have the Scabbey said? :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Good god woman - you posted EXACTLY what I was thinking... LMAO. I held back... I thought "Let a man get his tea"... but you Couldn't Let It Lie™...

 

Tom, I am a woman used to getting what I want :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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and what will you do about the "order as to costs"? I think they should be paying the court costs, for making you get this far in the first place.

 

After all the bluff and threats in the letter sent previously, they obviously sent the info to get out of going to court. As far as I can see, despite their statements to the contrary, they are not as sure of their ground as they would have us think.

 

I'd want me thirty quid back too!

 

I shall be filing form N1 tomorrow unless the postie has a parcel from Abbey for me :)

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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Had to pop in to see my Dad. Yes, they're all here and go back to 1/3/99. I've had a quick flick through and I spotted one month which I think was just shy of £500. I'm going to add everything up this evening and post the total here.

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