Jump to content


  • Tweets

  • Posts

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

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

Dessie v First Trust


Bigdess
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5749 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

At present my case is with the FO,I received a letter from them stating that they have contacted AIB Group (First Trust) It then goes on to say that they expect to receive a reply within the next two to three weeks. Total amount of claim is for £2770.00. Is it possiable to ditch the FO in order to threaten the bank with court action even though the FO is dealing with the case.

 

Dessie :-|

Link to post
Share on other sites

im not sure about that dessie but you might be better sit it out and see what the FO come up with as there have been a few sucess,s with them recently. if you start a civil bill against FT it will take several months to get to court so its not speedy either.

regards john.

Link to post
Share on other sites

Thanks I suppose two-three wks isn't all that long.I feel that FT should have done what their sister bank AIB in the sth done by coming clean and reducing their charges.Can't see FT doing that unless AIB in Dublin force their hand.

 

Dessie

Link to post
Share on other sites

Fos letter on Saturady with full offere from banl for £2837.50.Yippee.

First Rust now appear to have opened their lines of communication with Earth and human contact has been made!!!!!!!!!!!!!!!!!!!!

Link to post
Share on other sites

brill news bally - im waiting a reply from FOS myself v first rust - its great to see other people getting somewhere!!!

 

fos have my case about 4-5 weeks now so keep your fingers crossed I am as lucky as you.

 

enjoy your windfall!!!!!!!!!11

Link to post
Share on other sites

Thats Excellent news Bally35 well done great to hear that someone here in Norn Iron has got money back from the Banks.Hi folks been watching threads for sometime and havent really been getting involved to be honest as i was waiting to see how use all were doing and was also waiting to see what DONT TRUSTs reply to my letter before action was going to be and guess what as predicted letter received today actual response was (In accordance with the terms and conditions that apply to your account, the Bank is entitled at all times to collect its fees as outlined in our Price List. In the circumstances we regret to advise that your complaint has been rejected)I must of had a good idea that this would be there response as yesterday i went to Ballymena court house to file a Civil Bill and they informed me that they dont have them forms and that i required a Solicitor to file a civil bill and that i would get one off a solicitor. Is this true?I have also drafted another letter to DONT TRUST to say i would be willing to accept 15GRAND and that they could keep the interest of 1706.45 as good will and would save the Judge and Courts there precious time if this was all settled out of court as i believed that the judge would rule in my favour.Any suggestions would be greatly appreciated.

Link to post
Share on other sites

iwillgetyoubackfirsttrust - why dont you refer your case to FO, its free and as bally has found out they got it sorted - that way you can try and get the interest as well, i have referred mine to FO, and waiting to here from them, but going by bally's news i shud be successfull!!!!

 

worth a thought - and i think you'll find that the reply to the letter you just sent whill be the similar to there last reply. Go to the FO website - theres a link (i think is this thread)

 

GOOD LUCK!!

Link to post
Share on other sites

Financial Ombudsman Service

 

found the link through google mate. Your can complete a form on-line and then print it off because they need an original signature before they start. dont forget to send your evidence too - i have read a few threads (think one is bigdess v firsttrust and the FO recommended to first rust to pay all the fees back, now apparrently they ar receiving about 150 cases per week so it will take a few weeks - but no slower than the courts and you can ask for more than the court limit of 2000 -

 

good luck and keep us posted

Link to post
Share on other sites

Go for it Iwillgetuback (erm think of shortening that will ya).

FOS are very helpful, free to us (costs bank £400.00 per complaint, and oh lets see I have about six of them at the moment).

 

And the now the bank want me to withdraw my PPI claim becuase its not going their way with FOS (WHO HAVE ALREADY OFFERED MY THE WHOLE THING0).

 

Has their solicitor offered me any compensation on top of this? Has he feck.So guess I will let it go all the way with the ombudsman, since it will achieve the same aims and oh loadsa satifaction for me!!:D :D :D

Link to post
Share on other sites

THANKS bally35 and madjj111 thats great advice thanks for the link madjj111 i was on the phone with the FOS and they are sending me out the relevant forms i tried doing it online but unfortunately my computer is playing up at the moment with word documents. I have another question for use do i have to copy all my bank statements and send them in with the FOS form or can i just send in my spreadsheets of penalties????

I admire your courage bally35 fair play to ye take them for all ye can 'ye boy ye' as they say in Ballymena

Link to post
Share on other sites

Received letter from FO stating that FT have made an offer of £1500,£1200 short.FO have asked will I accept their (FT) offer NO NO NO NO.The FO have requested what the shortfall is if I don't accept their offer.One thing which I find hard to believe, the acceptance slip from the bank states that it can take anytime up to 6 weeks for the money to be lodged into my account.I have till 3rdAug 07 to reply.What now

 

Bigdess

Link to post
Share on other sites

You only need to send copies of any letters received from FT and copies of your schedule of charges.Also if you have a copy of FTs terms and conditions were it states Penalty Fees,if you haven't a copy give me your e mail and I will supply you with a copy.I have just rejected the offer from FT and have issued an ultimatum that if my claim isn't settled by close of business on 2ndAug 07 then its formal investigation by FOS and or small claims court.I have also been in contact with local media concerning an incident re shoddy treatment in April 2000.

 

Bigdess;)

Link to post
Share on other sites

Cheers Bigdess got a copy of FT T&C's and just received my forms from FOS so getting them filled in today and sending all my correspondence off today. My business account is a joint account and unfortunately my wife and i are split up now where she is still running the business now im frightened that when i do get a settlement from FT that they will lodge the money into our account and that i will not get my share as things are a bit ugly between us. Can i request that the half of my claim be sent to my address as a cheque????????? Any advice would be very much appreciated

Link to post
Share on other sites

I think you should read this first before proceding means that any complaints will now be put on hold pending the outcome of the case with the OFT and Banks

 

http://www.financial-ombudsman.org.uk/news/updates/bank-charges-26-07-07.html

 

 

 

 

"This year the ombudsman service has been dealing with tens of thousands of enquiries and complaints about bank charges - and county courts across the UK have similarly been coping with significant volumes of bank-charge claims.

 

In the cases that the ombudsman service has settled so far, all disputed unauthorised overdraft charges have been repaid - but on a voluntary "goodwill" basis, without the ombudsman reaching the stage of investigating the merits of the legal issues. Meanwhile, cases heard in the county courts have so far resulted in a range of outcomes - with inconsistent and unpredictable judgments and no clear legal precedent being set.

 

So it's in the interests of everyone involved - consumers with current accounts, the courts, the banks and other current-account providers - that the High Court "test case" announced today should settle the legal uncertainties relating to the level, fairness and lawfulness of unauthorised overdraft charges.

 

We agree that it's also in the general interest for the ombudsman service to suspend its own work on complaints about unauthorised overdraft charges, while waiting for the High Court to make a decision on the significant legal issues involved."

 

If I was in your position I would slow down a bit,wait and see what happens

this thing isn't finished by a long shot.If the OFT screw up then their credibility is out the window.You should also read this,you will need to copy and paste this link.Makes interesting reading.

 

 

FSA grants waiver to firms on complaints handling

 

 

 

Bigdess

Link to post
Share on other sites

hi bigdess

1.how do i start a new thread - u sound like ur really gettin sick of us in urs but i havent a clue how to start a new 1 !!!!

2.not sure whether this news today is good or bad - yes theyre gonna sort it out once and for all but how long is it gonna take - looks like not only did i not have it to spend on this years hol but it might be a few years away!!!!

3.great timing for bally35 - the whole amount wow.Pity about urs - given the timing of todays announcement i think id been tempted to take the 1500 and run now.

Link to post
Share on other sites

Stay on this one Mary,sure the cracs good ;)

 

No I am ****ed of with the whole thing in general,sounds like the bricklayers have been at their work if you see what I mean.Accoding to a Channel Four news report the banks cut a secret deal with the OFT.

 

Channel 4 News video

 

Anyway I off to Tipp on Saturday,don't give a flying F--K now.

 

Bigdess

Link to post
Share on other sites

thanks!!! pretty ok at computers but couldnt find anything about startin a new thread!!!

 

aye i was away on hols 2 - just back at the weekend to letter from FOS saying they were getting on the case so was happy enough then got filled in about the test case. have read a few bits and pieces and would agree that the banks cut a deal. I always hoped to be on my hols this year spending first trusts money then i thought feck it maybe next year but god knows when now. im an impatient bein i dont like the idea of waiting years!!

Link to post
Share on other sites

Nothing received from First Trust despite my letter requesting they settle my claim by close of business today (2nd August 2007).I am kicking the FOS into touch and taking my claim to court.

 

Bigdess

Link to post
Share on other sites

Received this letter from First Trust outling their position, this letter was received by us while we were on holidays.

Thank you for your letter of 30thJuly 2007

You may or may not yet be in receipt of a letter from the Financial Ombudsman Service advising you of recent developments concerning the handling of cases concerning the charges you have complained about. The general position is that such complaints (whether they are being dealt with by the Bank, the Financial Ombudsman Service or by the Courts) are to be suspended pending the resolution of a test case being taken by the OFT against a number of the major Banks in Great Britain.

We trust the matter will be clarified further by the the Financial Ombudsman Service in due course.

Yours Sincerely

T C Smyth

Solicitor

 

 

 

What Next

 

 

 

Bigdess

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...