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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.
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Me vs Lowells


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Hi everyone!,

I have spent the last few days reading loads of posts on here regarding Lowells and their tactics, and am sorry to say that they are on my case as well.

it all started with a general letter informing me that they were trying to contact me regarding a previous adderss i lived at some 5 years ago, the letter went on to say if they didnt hear from me they would update their records accordingly. So what , i thought let them? Then exactly a week later a 2nd letter arrived, stating that i owe them £800 for an old capital one debt.

Before reading this site, im sorry to say i contacted them by phone but admitted no debt and informed them i would look into it and will be in contact with them in writing, which on reading about them i believe is the right thing to do. whilst on the phone they informed me the last payment on the account was in 02-02, i have no recolection of this card and am not keen on paying.

 

This phone call was over 3 weeks ago and have had no contact from them since, im wondering what to do next, i have my CCA letter ready to go(thanks to this site!) but am wondering should i wait to see what they do next?

 

Any thoughts

 

Thanks.

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This phone call was over 3 weeks ago and have had no contact from them since, im wondering what to do next, i have my CCA letter ready to go(thanks to this site!) but am wondering should i wait to see what they do next?

 

Any thoughts

 

Thanks.

 

Don't wait- do! ..Send the CCA immediately. Remember not to sign it with normal signature, send it recorded and head the letter with 'I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY'

Just hate every DCA out there

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Don't wait- do! ..Send the CCA immediately. Remember not to sign it with normal signature, send it recorded and head the letter with 'I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY'

 

Great stuff from PMHCFC as usual, but i'ld be tempted to drag my feet with this considering that they've told you outright that the last payment was 02/02 thus this will go Statute Barred in February next year, which is at worst, just under 6 months away.

 

I certainly don't advocate debt avoidance, I just plain don't like Lowell Financial.

 

This phone call was over 3 weeks ago and have had no contact from them since, im wondering what to do next
Personally, i'ld wait for their next communication as they do seem to be dragging their feet, before sending the CCA request. And yes include a P/O for £1 and be sure to send by Rec/Del.

 

Good luck & keep us posted.

 

Regards, Dave.

 

cag-end-sig.jpg

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Great stuff from PMHCFC as usual, but i'ld be tempted to drag my feet with this considering that they've told you outright that the last payment was 02/02 thus this will go Statute Barred in February next year, which is at worst, just under 6 months away.

 

I certainly don't advocate debt avoidance, I just plain don't like Lowell Financial.

 

Personally, i'ld wait for their next communication as they do seem to be dragging their feet, before sending the CCA request. And yes include a P/O for £1 and be sure to send by Rec/Del.

 

Good luck & keep us posted.

 

Regards, Dave.

 

cag-end-sig.jpg

 

Dave,

 

Fancy logging off after post 1999 :-)

 

Got to remember how this lot work my good friend - they 'say' the last payment/acknowledgment was 02/02 - but you can bet your a*se it was earlier than that...It's probably already statute barred, and if not, VERY close to it- certainly closer than Feb next year...As we both know, once statute barred it stays statute barred. I can't see any problem with the CCA request, at least then the debt will be put in 'default' and they wont be able to shovel through a last minute CCJ attempt :-)

 

(Dave, will tickle you for post 2,000 - tis deserved)

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Just hate every DCA out there

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(Dave, will tickle you for post 2,000 - tis deserved)

Is that all :rolleyes: (only kidding Dave :D:p )

 

I would agree with Dave, they don't seem entirely sure who you are and are certainly not pushing you to pay the debt as they are not phoning you or threatening that they MAY take you to court. Before sending the CCA request I would see what their next move is (being Scottish I don't like wasting a whole pound on these guys :) ).

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi guys,

Thanks for the help its appreciated.

 

During the short conversation i had with our friends Lowells, they requested a contact number, i gave them an old PAYG number i had ages ago. out of interest i fired up the phone yesterday and there have been a couple of messages from them, noting bad, just requesting i call them, which i aint gunna do. I have had nothing through the post since the letter demanding the money, i am aware of the statute barred thanks to this site and would love to ride it out till then? What do you all think?

 

P.S. Thanks for this site, its good to know you people are out there.

 

Regards

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Clownells bought a load of Statute Barred debts off Crap One. They tried it on with me and were only able to produce a badly photcopied application form which wasnt sufficient to even bother responding to. As previous posters have said Clownells are probably on a fishing trip. Im with DMD on this one. Sit tight till Clownells get in touch with you. Its up to them to prove the debt exists and is not Statute Barred. (I would bet it is) Dont worry if you receive letters from a shower calling themselves Hampton Legal. They are the paramilitary wing of Clownells and equally useless

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Thanks for the advice, its become a matter of principle now for me regarding this shower of botom feeders, The major issue being i never had a capital one card to my knowledge?. But i wonder how many people just pay up due to the nature of the requests from lowells, they will find in this instance this will not be the case! I will keep you all posted as to any developments.

 

Regards

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Thanks for the advice, its become a matter of principle now for me regarding this shower of botom feeders, The major issue being i never had a capital one card to my knowledge?. But i wonder how many people just pay up due to the nature of the requests from lowells, they will find in this instance this will not be the case! I will keep you all posted as to any developments.

 

Regards

Have some fun with Clownells. You will soon receive one of their silly yellow postcards claiming they called at your house when in fact it will be delivered by your postie. They are one of the easiest DCAs to bait and to beat:D

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Yep. Send them the CCA letter now by recorded delivery. You should also inform them that you do NOT give permission for any personal callers to call at your premises and any that do will be trated as trespassers and they as a company also sued for instructing them.

 

This is a standard empty threat of Clownells. They have no intetion of sending anyone round. They operate on the scary letter principle follwed up with threatening calls and not forgetting the silly yellow postcards

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:mad: this company make me see red then remeber who they really are and I start :rolleyes: because all debts after 6 yrs are written off as bad debts and unless the LEGALLY SIGNED DOCUMENT IS WITH OUR BELOVED LOWELL THERE IS NOTHING THAT THEM CAN DO. They came after my husband after nearly 10yrs original debt with HSBC. Why have they left it so long, my hubby has just applied for a credit card so they be paying for his CREDIT REPORT:shock: to see what financial position he is in:shock: .They are nothing but glorifed LOAN SHARKS
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  • 1 month later...

Hi people, im back again with an update finally!

I have today recieved a reply from lowells, unfortunatlely it is the credit agreement between me and capital one, to be honest not a bad copy?

I did not recieve a copy of the deed of assignment as requested . i requested a statement of account, all they have wrote back is the amount owed and state the state the account is in default?

 

They have given me 7 days to come up with a re-payment proposal?

 

Has any one got any further advice??

 

Regards

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Hi lightboy123,

 

I'm waiting at present for replies to 3 CCA requests I sent out in the last week of september and am following your thread with much interest.

 

I'm certainly no expert on credit agreements, but from reading other threads on CAG and reading more experienced CAGers comments I'd say you would do well to put a copy of what you have received from clownells on here (minus your personal information of course!) if you can? Its worth getting second opinions..;)

 

Anyway, keep us posted on your progress.

 

regards,

 

iwcmd. :)

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