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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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.   
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debts in France, Living in the UK - What will happen to me?


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Hello, I will try to explain as clearly as possible my situation:

 

I am a UK Citizen and I lived in France for about 10 years.

I moved back to the UK last year to help my father who was sick but had some large loans in France with my French Bank Account and a Loan Company.

 

I tried to keep up with payments but slowly my salary was not enough in the UK to cover my daily living and pay my monthly payments. I started to dip into a Credit Reserve to keep up with payments which is now at its maximum and now I am into my overdraft. Overall we are now looking at about 32,000 €.

 

I cannot manage on my current salary to pay anything towards my French Debts.

My French Bank has sent a letter saying I need to refund my Overdraft and the situation is getting worse. I have no money to refund my overdraft and it keeps getting worse with the monthly payments that are coming out of my account.

 

I tried to find a company in France that would group my debts so I could reduce my monthly payments but this is impossible as I am no longer resident in France. In the UK it is impossible as I have only been back a year and my credit rating is low and I would never get a loan to cover even a quarter of the amount I owe.

 

I do not know what to do, as it is a debt in a foreign country I cannot seem to find any assistance or advice here in the UK.

 

What could I face with regards to debt recovery? Can the French Banks take any action whilst I am here living in the UK?

Please any information would be invaluable.

 

I am prepared to pay my debts but my current financial situation would only allow me to pay maybe 150€ - 200€ a month, not the current 800€ a month (all added together) plus there is my French overdraft which is now at about 3000€ and getting worse.

 

Thank you for your help.

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If you defaulted on these debts there are reciprocal agreements in place where it would be possible for an EU creditor to take enforcement action within other member States. However, because you are now resident in the UK and any French CCJ is absent they would have to take action in a UK court using French law. Given that the amount is so high it is probable that they may attempt to do so.

 

It really depends on your circumstances as to what advice can be given. Do you own property or have any assets?

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If your job is not dependent on you having a clean credit file you could consider bankruptcy which would clear these debts. There are other options too which if you contact http://www.nationaldebtline.co.uk/ they will be able to go through with you. It is a charity & does not charge for their help.

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Thank you once again.

I did contact the national debtline for some advice but they said as I had not yet defaulted on payments and that my debts are abroad and no action had yet been taken, they were limited on the advice that they could give me. They sent me information on budgeting etc but I just do not have the income to keep up with the payments that they require.

I really do not know what to do, I tried to speak with companies in France and also at first my bank but typically they reply that they cannot help as I am no longer a French Resident and I have to find a solution on my own. They are not clear with what the next steps will be for me if I do not keep up with the payments.

Do I just have to wait and see? Is it best to lie low, ignore any letters from my bank in France and wait until I am contacted by a debt recovery company in the UK?

I assume I cannot file for bankruptcy until there is action taken here in the UK, is this correct?

I would so much rather deal with this with an English Speaking Company, my French is good but not when it comes to this kind of talk.

I do appreciate the help, I feel so panicked at the moment with a million questions and its hard to find someone to actually sit and talk this through to find the best solution.

Thank you.

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I assume I cannot file for bankruptcy until there is action taken here in the UK, is this correct?

You can personally file for BR at anytime but it will cost around £700.

 

Some people chose to wait for there creditors to send a 'Statutory Demand' which is a precursor to them applying for your bankruptcy which would mean the creditor paying the fees. The problem with this is it can take several months [if ever] for them to do it + you will have debt collectors writing & telephoning all the time & even via your employer if they have those details.

 

If your creditors are aware you have no assets they will be likely to sell the debt on after a few months too.

 

As it stands now I personally would default on the payments, obviously you cannot afford them, and wait & see what they do. Even if you make reduced payments it will have little impact on the debt & they will increase in any case because of the interest & charges they will add on.

 

There is no need to panic, this is purely a civil matter & the bottom line is there isn't a great deal they can do other than harass you via the post and on the telephone. If they do ring refuse to speak to them & tell them you will only communicate in writing. If they do start to harass you there are plenty of things which can be done to stop them so do not feel intimidated by them. ;)

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Thank you, I need to take a deep breath, take this all in and think about this further in the morning instead of making myself ill with worry.

Your advice and reassurance is greatly appreciated :)

What a mess eh! :s

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I know it's easier said than done, but honestly do not worry about it. You are one of many tens of thousands of people in exactly the same position due to world's economic situation & personal problems. Debt is no longer the stigma it once was, in fact it's fast becoming the norm.

 

Long gone are the days of the debtors prisons & they cannot abduct your eldest born. ;)

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