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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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NDR Money Debt from Very and Littlewoods


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Hi all,

 

New to the forum but requiring some help urgently.

 

Ok, me and my partner decided to move in together (approx April/May 2010) as we found out she was pregnant. All my bills started to fall behind as our wages weren't enough to keep a household going, look after her 2 year old daughter, pay rent, buy baby clothes for when the new baby comes, pay utility bills etc.

 

I had £1000 coming in and £700 going out just on rent and Council Tax - to give you an idea of how tight things became. My girlfriend only worked 16 hours a week but the wage wasn't great.

 

Anyway, on Christmas Eve i had 2 letters turn up from NDR Money debt collectors. One amount for £1100 from Littlewoods and the other amount of £700 from Very.

 

Unfortunately i have no way of paying the debt unless it is around probably £2 a week - which they'd laugh at. Money is far too tight, even more so now my partner has gone on to maternity leave.

 

I did ring Littlewoods and Very in the summer of 2010 and ask for a payment plan, they accepted. Littlewoods reduced my payments from £110 to £82 every 21 days. That was just a kick in the teeth. I paid it the first couple of months but gave up after that due to finances and now i'm in the position i'm in.

 

What's my best plan now? If possible, a list of things to do would be great along with copies of any letters i need to send.

 

I started my own thread after reading lots of posts about what to do in other people's cases but really wanted to get things right and sorted for the new year and for when our baby is here.

 

Any help would be mega appreciated.

 

PS. Don't bother giving me the old lecture on how i should pay the debt as it's mine and i shouldn't have got into the debt in the first place and this, that and the other because believe me, i've been doing it for the last few months of 2010 and it's not got me anywhere! Sorry for the massive post.

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Hi lessen

 

Happy New Year and welcome to CAG

 

No one is here to judge you, all be it for different reasons we're all in the same boat

 

Here's a link to the CAB I & E form . .

 

http://www.adviceguide.org.uk/d_budget_sheet.pdf

 

Fill it in and get a good idea of exactly where you stand and if it comes down to the fact that without leaving yourselves in financial hardship you can only offer very small token payments there really is bugga all a the DCA's can do

 

DCA's love to huff/puff and threaten but that's about it and if you've offered and make payments based on your circumstances should they get greedy and go to Court (long way off yet) the Judge will not take their actions too kindly

 

Get the figure work done and go from there BUT do not talk to them over the phone do everything in writing as that way they can't go back on agreements made, there's a great letter that some of the really experienced caggers know of re working out how much you can aford and I'm pretty sure that someone post it for you

 

You're in charge not them

 

Regards and good luck

 

R

 

ps . . I'm of the "Do not" send anyone your I & E club but as in any discussion others disagree . . it's up to you to decide

Edited by Revenant
  • Haha 2

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi all,

 

PS. Don't bother giving me the old lecture on how i should pay the debt as it's mine and i shouldn't have got into the debt in the first place and this, that and the other because believe me, i've been doing it for the last few months of 2010 and it's not got me anywhere! Sorry for the massive post.

 

In all my years on this forum I've yet to see anyone other than the odd DCA troll who soon gets found out state the comments above.

 

People get into debt through various reasons and nobody should be judged, the fact you have mentioned repaying it shows you are not trying to wriggle out of anything or get a free ride so to speak.

 

Right onto the serious stuff.... you really do need to do a proper I&E so you can see exactly how much money you will have at the end of the month. Your creditors can whinge/moan and basically write letters/phone but if you aint got the money you cant pay it back...simples!

 

Ensure you are covering all your priority debts first and then we can look at what you can AFFORD to pay these people, not what they want I'm sure but tough on them, they have to take the bad with the good in this climate I'm afraid.

 

The downside of course is that your credit rating will take a massive hit for some time and you will get lots of post and phone calls but at the end of the day without taking you to court its all hot air.

 

The links in my signature detail how to deal with debt and this broadly follows the nationaldebt helpline's advice.

 

S.

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Thanks for both your quick replies.

 

I'll fill out the I&E sheet for my own reference but would it help for you to see it too?

 

I'm glad it's not a judgemental site as to be honest, i never meant to get into debt troubles but life changes in a flash.

 

Why wouldn't you do the I&E sheet?

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Thanks for both your quick replies.

 

You're welcome

 

I'll fill out the I&E sheet for my own reference but would it help for you to see it too?

 

Only a Court/Judge has a legal right to see your I & E so the general opinion is keep them to yourself and don't send them to a DCA

 

I'm glad it's not a judgemental site as to be honest, i never meant to get into debt troubles but life changes in a flash.

 

If the odd person preaches there's a good chance thet have some kind of vested interest in the Debt Collection Industry (A Troll) the average cagger has been there and either has or is coming out the other side

 

Why wouldn't you do the I&E sheet?

 

As above

 

 

Once you've worked things out if it means offering £1 so be it, you three are more important than those chasing you

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Even when these companies and I have good experience with NDR spouting threats they never carried out, a lot of threats, but they gave up when I politely insisted they except £1.00 a month and if you still insist on court, go for it. I have been reassured a judge will only take what can afford and do you think that will be more than £1.00 in my case.

 

They funny enough rather than take the £1.00 dropped the case back to original creditor and Ive not been stressed since. I recorded there calls so can prove I offered an ammount and it was them who left it. But you could with income and expenditure offer the 1.00 in writing and remind them they are not a priority debt so please accept and stop any interest that may be acruing if it is.

 

Dont be silly like I was and listen to their baseless threats on the phone as much as you say switch off from it, it does cause stress so best to always write.

 

Good luck.

Edited by watchinginvestigation2010
my terrible speling
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Thanks for both your quick replies.

 

I'll fill out the I&E sheet for my own reference but would it help for you to see it too?

 

I'm glad it's not a judgemental site as to be honest, i never meant to get into debt troubles but life changes in a flash.

 

Why wouldn't you do the I&E sheet?

 

If you read through the blog entries in my signature you'll see that an I&E CAN be a good weapon against a DCA but whatever you decide knowledge is power so to speak so read them and then understand what can be done.

 

S.

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I've just done the I&E sheet including mine and my partners details. We literally have £213 to live off once all bills are paid.

 

This doesn't include a monthly agreement with: Landlord (incorrect rent paid by housing benefit), Income Support (overpaid my girlfriend £700 3 years ago and want it back), Council Tax (couldn't pay it due to tax credits not being sorted for 8 weeks or more when i first moved in - my girlfriend wasn't receiving any benefits at this point and we couldn't afford to pay it even with our wages). All of which we are aware of but have agreed with each that we won't pay anything until we are back on top.

 

What is the best thing to do about NDR then? I've heard about 'unenforceable' debt with them.

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What is the best thing to do about NDR then? I've heard about 'unenforceable' debt with them.

 

Ok, imho the unenforceability angle has been put to bed by some recent rulings in the courts in so far as claimants are concerned, unless you suffered some real predujice by these technical breaches if they existed.

 

This is a self help site so people will assist but not spoon feed the answers, only you know your true situation and the consequences to yourself.

 

S.

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This doesn't include a monthly agreement with: Landlord (incorrect rent paid by housing benefit), Income Support (overpaid my girlfriend £700 3 years ago and want it back), Council Tax (couldn't pay it due to tax credits not being sorted for 8 weeks or more when i first moved in - my girlfriend wasn't receiving any benefits at this point and we couldn't afford to pay it even with our wages). All of which we are aware of but have agreed with each that we won't pay anything until we are back on top.

 

These are priority debts and should be included in your I&E, if you are to repay NDR then these need to be taken into account prior to paying NDR anything imo. Do you have solid agreements in place with these creditors to hold off payments for a set time or is it an informal arrangement?

 

S.

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To find out if enforceable you need to request a true copy of the credit agreements and enclose a £1.00 postal order. If you go to the template section of the site you will find the cca request template. I am terrible at links so another poster might post it up later, but they have to reply within certain time.

 

Age of account when catalogue matters as well as a lot of the older accounts didnt have the credit agreements done properly and therefore unenforceable, again read the links related to the shadow, will help you.

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