E-scooter rental — not the named hirer (account compromise/family use)
Operator end-of-trip and damage charges are levied against the registered account holder. Where the account was used by family, friend, hacked, or a minor (illegal under terms), liability becomes contested. Under Payment Services Regulations 2017 unauthorised use is reimbursable.
Legal basis
Payment Services Regulations 2017 (SI 2017/752) regs.71-77; Consumer Credit Act 1974 ss.83-84; Consumer Rights Act 2015
How to identify this in your case
Account holder was not rider. Evidence: account holder elsewhere, actual rider admitted use, password compromise reported.
Sample appeal wording
Dear [OPERATOR], Re: Trip [REF] / Charges totalling £[AMOUNT] I was not the rider. [Briefly explain — 'My account was used without my consent by [person/unknown party]. I was at [LOCATION] at the time, evidenced by [proof].'] Under Payment Services Regulations 2017 (SI 2017/752) reg. 74, a payer is not liable for unauthorised transactions except in narrow circumstances. I notified [OPERATOR] of unauthorised use on [DATE] / hereby notify you. I request: 1. Reversal of all charges 2. Suspension of my account pending investigation 3. Confirmation no adverse credit reporting If not resolved within 15 business days I will refer to FOS and pursue Section 75 / chargeback. Yours faithfully, [NAME]
Replace [PARKING DATE], [NtK DATE] etc. with your own dates before sending.
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Related appeal grounds
- Aggressive Language / Threatening Wording (Code Breach)
- CRA 2015 / UTCCR 1999 — Charge Must Be Genuine Pre-Estimate of Loss, Not Penalty
- CRA 2015 ss.62-69 — unfair terms in private parking contracts
- Dunlop Pneumatic Tyre v New Garage [1915] — Penalty Clause Rule
- Excessive towing/storage fees as a Beavis penalty
- Misleading Signage Under Consumer Protection from Unfair Trading Regs 2008