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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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JSA is a joke...


tedted
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Wondering if someone can give me some advice...

 

I am currently a part time LLB student and became unemployed just before xmas - so I'm signing on,

but JSA money hasn't started to come through yet for various reasons relating to my student status.

 

Before I was a p/t time student I was a full time student and had a student overdraft

- which is now a graduate account and my main banking account with Lloyds TSB.

 

About a year ago I got myself a mobile phone contract and because I have not been able to afford to pay it my overdraft has been mounting up and is now £300 past what is allowed.

 

for the past few weeks I have been getting phone calls from Lloyds (01273743574) everyday demanding the £300 back.

 

At one point one guy said they were going to give me a month to wait for the jobseekers money to come through,

then the next day it was like nothing happened and they were demanding the money again.. :???:

 

It feels rather invasive and like harassment having them bothering me all the time when I have clearly explained my situation,

that I cannot afford to pay until I get a job; or at least until the job centre pulls their finger out. :|

 

Does anyone have any suggestions as to how to get lloyds off my back until such a time as when I can pay them?

I.e. when the job centre comes through or when I get a job..

 

Erm don't know whether it's relevant or not, but I lost my job due to having epileptic problems, which are now fine.

 

Thanks.

Edited by tedted

NSNO

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I am a part time student and I am unemployed, so am signing on. In my first meeting at the jobcentre I was advised to apply for Contribution Based JSA, as I had just left my previous job - but after almost two months of waiting to be paid they sent me a letter saying that I don't have enough NI contributions etc etc (I think this is because I had just done a full time degree and for the three years prior I was just doing temp work).

 

Immediately after I got the letter, which was about three weeks ago, I arranged an appointment at the jobcentre to fill in a JSA3 form. I was advised to date it from the day that I first applied to sign on, a few months prior. The lady at the jobcentre checked through it and then sent it off. I received a phone call the next day saying that it had arrived at it's destination.

 

I telephoned the jobcentre yesterday to find out what's taking so long and they phoned me back today saying they are having trouble locating the JSA3 form which I filled in. They explained that they don't know exactly when I will be getting JSA through. It was suggested that I get a crisis loan - which I understand is money that I have to pay back to them. Why would I want to get a loan off them when they owe me over 3 months of JSA, their logic is bizarre.

 

To add to all of this, I have got myself in debt spending money that I haven't got. I wouldn't have got into debt if the JSA was coming through regularly. My bank is requesting that I pay all of the money back now - which I cant. My mobile phone has been cut off - Orange have been a tad more lenient and today agreed to give me a week to pay.

 

It feels like they are taking the p*ss, it also feels like an uphill struggle trying to get a job. I have had a couple of interviews which I have had to turn down because I couldn't afford to get to them.

 

As I understand it, the jobcentre don't deal with the payments - that is the job of the benefit delivery centre (or whatever it is called). Should I make a complaint to them, would that be the best course of action? If so, how? Can anyone think of anything else I can do to speed things up? I am completely clueless at the moment. Any advice will be appreciated, thanks.

 

For the people who like to stereotype - I am not the type of person that wants to live off benefits, I enjoy working. I am studying to become a solicitor.

Edited by tedted

NSNO

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I am a part time student and I am unemployed, so am signing on. The for various reasons (outlined in my last thread) the jobcentre are not paying me, and they don't know exactly when they can pay me. As a result of this I have accrued some debt by spending money that I haven't got.

 

I am overdrawn on my overdraft and am facing monthly charges, I am getting daily telephone calls from my bank asking for this to be rectified, which I cant do.

 

My mobile phone has been cut off, and I owe three months for that - they have given me a week to pay, despite me saying that I don't have an income and am awaiting JSA.

 

I also had a credit card and because I couldn't meet the minimum payments, the account was passed to a debt collection agency. They seemed pretty understanding a month ago when I said I dont have an income - my girlfriend agrreed to pay a one off payment of £10.

 

This will obviously to keep them at bay for long, so is there anyway to get these guys to stop charging me and wait until I have an income until I pay them? At the moment it seems as though everything I say is just being ignored. Any advice will be appreciated, thanks.

Edited by citizenB
formatted for easier reading

NSNO

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I work for JCP in the customer service side of the business, in the office that I work in te form is handed by the customer and it is placed in the courier post to be sent to te benefit centre.

Once it hasleft the building either the same day as it was received or the following working day (dependingon the time of the day the form was handed in and the time that the courier is collected from the JCP) thee is no way of tracing that post.

We frequently come accross cases I'm afraid where we know that information and post has been sent but the benefit centre deny that it has been received yet other post in the saqme envelope was received!

If they are stating that they cannot locate the form all you will be able to do is to complete a duplicate form and at the same time you can write a letter of complaint requesting that consideration is given to repay any bank charges incurred are refunded. This will be considered once proof of charges are received but I cannot confirmif these cgarges would be reimbursed or not sorry as I am not a Decision Maker.

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I've not read your last thread but I suggest going to your local CAB or ring AdviceLine on 08444 111444. You need some help before you get buried.

Work for my local CAB but my views and advice are my own. Try AdviceGuide or Adviceline (08444 111 444) for CAB help ;)

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You could also ask jobcentre plus if you can apply for a loan from the social fund as you don't need to be in receipt of benefits to claim. You have to pay it back, but at least it will tide you over until you get sorted.

Gbarbm

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If you are studying to be a solicitor I would be very careful about getting into debt as it can affect your job prospects, get a crisis loan if you are entitled to it, dont use your mobile get a cheap pay as you go.

If I have been of any help, please click on my star and let me know, thank you.

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three threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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