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    • 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.
    • 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?
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      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.

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Vodafone - Help urgently needed please!


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Hi

I've been trying to get to the bottom of a default placed on my husband's credit record by Vodafone. I SAR'd them in March explaining that nothing is known about this account which was defaulted. They cashed the cheque in April.

They then wrote requesting the mobile number and payment method (??) under the DPA before disclosing any info. I wrote back explaining again that I couldn't provide this info as we have no recollection of the existence of this account. Also requested a copy of the default notice and any deed of assignment.

By May I hadn't heard anything so sent them an LBA re: SAR and default notice.

They then replied that they were sorry I feel I need to obtain a court order to get them to comply but they couldn't find any record of the account and asked for a copy of the credit report showing the adverse info and again asking for the mobile / account number. I faxed over the credit report info with a covering letter and also posted a copy off to them.

The only thing I have had from them since was 4th June saying that they aren't subject to the CCA so don't have to supply any info and will not be removing the default and listing info from their records. One entry reads 'letter sent advising potential default ref DL2' followed by 'no response to above letter, account sent to external collection agency' then 'default recorded'

Please could someone advise me what to do next? Do I get a court order for the info or have they admitted that they didn't issue a default notice from their notes they sent me and if so what do I do next??

Sorry for the essay and thanks in advance

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You've been caught it a trap, and both sides of the DPA are pulling in different directions instead of assisting each other. Before giving you a SAR, they have to ensure the person requesting it will be the person receiving it. It also doesn't help that you are doing the leg work and not you're husband, this information remains personal and doesn't matter if you are married. as you cannot access his record or he yours.

 

Since you already have the credit file, contact the CRA that supplied it and say your dispute the default notice on the file, and have attempted to obtain the information but they have not provided this. Ask them to take the matter up with Vodafone, as if you are unable to resolve this issue, you'll be forced to raise formal action for its removal in a joint action against them both.

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Thanks Buzby.

It ws Vodafone themselves who supplied the info and stated they would not remove the default using that info as their reasons for non-removal.

How do I go about taking it further with them as no DCA is involved and they seem adamant not to play ball?

Thanks again

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Oh sorry, when you said the default had been placed on your hubby's credit file, I'd assumed you'd seen it there.

 

You should really get this as a formality - either Experian or Equifax (V use both) it costs lust £2 by post. If nothing is there, then you can relax. If there IS, you challenge it in the way I previously described. If V are not going to voluntarily tell you why they put a default on their file, then they have to tell the CRA why if challenged.

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The problem you have is that you gave permission for the data to be shared, and you cannot unreasonably request its removal unless they agree (which they won't). Just because they refuse to provide the information is not grounds for the removal of the data, you have an interest but not a right to decree what happens to it.

 

If the default is valid, then no court action will change this situation, although you can always try there is a very slim chance of success.

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I am pretty much in the same situation, i asked they remove a default on my record from 5 years ago, thought they may do as it will go in a year anyhow. Nope i was wrong, nice rude letter returned babbling about not giving me the information i want as they cant be bothered and theres no law to say they have to. In fact bluntly said get lost we cant be bothered to help anyone.

I see no way around it, supposedly i owe them still a few quid, in the letter it said we may still issue a CCJ so dont expect the default to come off for ever. LMAO sure you are going to go to court for less than £100 5 years down the line. Would be nice if we all had some legal assistance in gaining information which ruins are credit records, seems we dont have much right to see whats put against our names!

 

Added - i will be calling them today and paying some portion of what remains to satisfy the debt, i will ask they remove the default, slim chance but will keep you informed if it works!

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I've had loads of problems with Vodafone, about 2 years ago I received a letter from them saying I owed them money,I kept asking for evidence but got nothing, they then placed a default on my account. I went to OTELO who awarded me my money back and for Vodafone to remove the default. Great! I thought, 2years on, I apply for a mortgage, but was turned down because a default is on ly account from VODAFONE!! Since March 2007,

I have phoned them been apologised to they said its been removed but wasn't, I've lost my deposits of £1300. They said as a 'goodwill gesture' they will pay that back with proof from the bank, the bank won't give me proof as they say they don't have to, and now the default is off they given us the mortgage. So I'm back off to OTELO again....

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Is that 2 defaults, or just 1 with the wrong date? I think the answer is always to get your own credit file (at a cost of £2) to ensure any nasties are caught before problems arise. It MAY have been Vodafone change the flag from owing to satisfied, to show you didn't owe them money, but the refusal was by the bank - and they can interpret the info any way they like.

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  • 3 weeks later...

Hi

I'm filing court papers requesting an order under the DPA to get Vodafone to send me statements, a copy of the original default letter and the deed of assignment (if any). They have filed a default against me but I know nothing about this account and hae been refusing to supply any info and making various excuses since March.

As well as asking for an order under the DPA on the N1 form what do I put to ask for default notice and deed of assignment?

And is it possible to request that they make them remove the default if they don't provide any of this data?

Please can anyone help so I can get this sent of to the robbers?

Thanks in anticipation

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You're chasing up a blind alley wanting a 'Default Notice'. This in not a CCA issue, and no such notice is required. They are simply saying you are in 'default' (note the lower case 'd'). The CRA will remove the default on their files if Vodafone do not provide the requisite proof. Since you are denying ever entering into a contractual relationship with Vodafone, if they refuse to provide proof yo your satisfaction, you can use Small Claims to make them put up or shut up - but you should be able to do this without resorting to the Courts. Why not write to their Customer Services Manager at Newbury by RD giving them a final opportunity to resolve the issue?

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Thanks for the reply Buzby, much appreciated.

I have finally had a reply from Vodafone stating that they are not obliged to send out defauult notices but they are

'...required, by guidance from the Information Commissioner, to ensure that proper notice of an intention to record default information for non-payment is given....my colleague in his letter...set out the occasions on which Vodafone Limited attempted to contact you about this matter.'

The entries read...

Telephoned 11.11.05 - no response

Account cancelled for non-payment 11.12.05

Letter sent 15.01.06 advising potential default ref DL2

No response to above letter, account sent to external collection agency 25.01.06

Default recorded

Date default was recorded: 02/02/06

'We will therefor not be asking for this default to be removed from your credit reference record...our records also show that there is a balance of £171.29 remaining unpaid'

 

Is there anything further I can do to resolve this matter and get the defalt removed?

 

Any advice would be most appreciated.

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You said originally that you had no recollection of having this account. Is this still the case? On the facts stated by Vodafone - if true - there is nothing you can do, however if somebody has taken out the account in hubby's name without his knowledge he could challenge this, but only if you;re REALLY sure fraud was involved.

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