We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

IMPORTANT: Please make sure your posts do not contain any personally identifiable information (both your own and that of others). When uploading images, please take care that you have redacted all personal information including number plates, reference numbers and QR codes (which may reveal vehicle information when scanned).
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Court Defence advice please

2456712

Comments

  • Fruitcake
    Fruitcake Posts: 59,491 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Okay, so the date of the alleged event was the 25th Feb 2019. Please tell us the issue date of the NTK.
    I married my cousin. I had to...
    I don't have a sister. :D
    All my screwdrivers are cordless.
    "You're Safety Is My Primary Concern Dear" - Laks
  • bob5678
    bob5678 Posts: 60 Forumite
    10 Posts Name Dropper
    Redx said:
    Answer the questions above please !

    A Claimant must prove compliance with POFA to hold a Keeper who was not the driver liable , it's that simple

    No POFA compliance means no keeper liability , so chase the driver , who shall not be named !! , Simples !!

    The defendant can say that they either know who as driving but decline to say , or say it's a relative or similar , or they do not know who was driving , but they must reply truthfully and honestly. Yer honour , I was not the driver !!  I respectfully decline to say !!

    So the claim fails on POFA , the rest is icing on the Cake

    The rest comes into it where a claimant complied with POFA , so landowner authority and signage count because they ticked the POFA compliance box and the keeper is liable for the actions of their vehicle

    So with POFA compliance , you either name the driver in reply to the NTK PCN , or you take the responsibility on as keeper !


    Hi - thanks for this - and sorry I will check which questions I missed
    I do think the claimant complied with POFA, apart from the one small point, that they do not explicitly say "We do not know who the driver is" - I don't know if this is a point we can rely on as defence though.

  • bob5678
    bob5678 Posts: 60 Forumite
    10 Posts Name Dropper
    Fruitcake said:
    Okay, so the date of the alleged event was the 25th Feb 2019. Please tell us the issue date of the NTK.
    Issue date of original NTK was March 4th
  • Fruitcake
    Fruitcake Posts: 59,491 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 March 2021 at 9:20PM
    bob5678 said:
    Fruitcake said:
    Okay, so the date of the alleged event was the 25th Feb 2019. Please tell us the issue date of the NTK.
    Issue date of original NTK was March 4th
    Okay, so the date is PoFA compliant. The wording however is not because it does not define when the 29 days begins.


    I married my cousin. I had to...
    I don't have a sister. :D
    All my screwdrivers are cordless.
    "You're Safety Is My Primary Concern Dear" - Laks
  • bob5678
    bob5678 Posts: 60 Forumite
    10 Posts Name Dropper
    Yes they have complied with nearly every aspect of POFA, except for this one point:
    9 (2) the notice must
    (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—
  • Redx
    Redx Posts: 38,084 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 14 March 2021 at 9:17PM
    They never know who the driver is , which is why they obtain keeper details from the DVLA !

    If you read that NTK blurb , they tell you to name the driver if it's not you

    If they complied with POFA , Nobody cares who was driving , using POFA they hold you liable , as that POFA warning paragraph clearly states , because you failed to name the driver , meaning that they invited the keeper to name the driver

    So I am not the driver does not assist you if POFA is complied with , meaning it is not a Defence Point if you as keeper are liable
  • KeithP
    KeithP Posts: 41,296 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    bob5678 said:
    Redx said:
    Answer the questions above please !

    A Claimant must prove compliance with POFA to hold a Keeper who was not the driver liable , it's that simple

    No POFA compliance means no keeper liability , so chase the driver , who shall not be named !! , Simples !!

    The defendant can say that they either know who as driving but decline to say , or say it's a relative or similar , or they do not know who was driving , but they must reply truthfully and honestly. Yer honour , I was not the driver !!  I respectfully decline to say !!

    So the claim fails on POFA , the rest is icing on the Cake

    The rest comes into it where a claimant complied with POFA , so landowner authority and signage count because they ticked the POFA compliance box and the keeper is liable for the actions of their vehicle

    So with POFA compliance , you either name the driver in reply to the NTK PCN , or you take the responsibility on as keeper !


    I do think the claimant complied with POFA, apart from the one small point, that they do not explicitly say "We do not know who the driver is" - I don't know if this is a point we can rely on as defence though.

    And another 'small point' being that they should state when those 29 days start counting from.
    Have a look at para 9(2)(f) of POFA.
  • bob5678
    bob5678 Posts: 60 Forumite
    10 Posts Name Dropper
    Redx said:
    They never know who the driver is , which is why they obtain keeper details from the DVLA !

    If you read that NTK blurb , they tell you to name the driver if it's not you

    If they complied with POFA , Nobody cares who was driving , using POFA they hold you liable , as that POFA warning paragraph clearly states , because you failed to name the diver

    So I am not the driver does not assist you if POFA is complied with , meaning it is not a Defence Point if you as keeper are liable
    Ok thanks for this.
    So the point I raise above - POFA 9.2.e - to me it looks like they fail to comply with this.
    Am I right about that or am I misunderstanding what 9.2.e means?
  • Redx
    Redx Posts: 38,084 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 14 March 2021 at 9:19PM
    To me they included it in that warning , they invite the keeper to name the driver , you did not do so
  • Fruitcake
    Fruitcake Posts: 59,491 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 March 2021 at 9:23PM
    You should add something about the NTK failing to comply with the strict requirements of the PoFA 2012 and therefore incapable of holding the keeper liable. 
    Expand on that at the WS and exhibits stage.

    Forget 9 (2) (e).

    Look at 9 (2) (f)
    I married my cousin. I had to...
    I don't have a sister. :D
    All my screwdrivers are cordless.
    "You're Safety Is My Primary Concern Dear" - Laks
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.