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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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      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.
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Joint Account-Can my friend close/freeze it?


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Hi there,

My friend has recently got divorced and currently has a joint account at the Nationwide, unfortunatley his ex-wife regularly empties the account so it goes over their overdraft limit and he ends up paying the charges, she doesn't earn and he does and he is getting depressed and distressed at this situation. He has tried to close the account but staff at his Nationwide account tell him this is not allowed, what can he do please?

Ps- i thought i read once that it is possible to freeze a joint account but not close it?

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I think this has been asked already on the forum tonight, but I will answer. He can ask that the account is frozen due to a marital dispute. Is the account in credit or debit?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Because I assume his ex wife won't sign anything for the account to be closed so clearing the overdraft and having the account frozen will do the job to get the account on lock down forever until such an agreement is reached.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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If the account is joint then he should be able to close it. You mention charges therefore I assume it is a flex account, you cannot have a flex account which is either to sign.

 

I suppose technically you are supposed to return both cards and chequebooks etc.

 

In answer to your question yes he can put the account in dispute, I forget the exact term as I no longer work for Nwide but essentially the account would be frozen.

 

I would suggest doing this in the branch and pointing out to the manager that the staff were IMO negligent in not informing him of this (assuming he's been in and asked about this).

 

He'll need to make alternative banking arrangements as the dispute thing can't be removed unless both parties sign something (which doesn't seem likeky from what you have said).

 

Get him to put this in place ASAP, it solves the immediate problem, however I would certainly question the information he's been given re closing the account.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Hi, that advice is great, thankyou!! Please can i ask what 'IMO' is? Ps- i believe my friend rang Nationwide national number today (not local branch) and the lady on the other end assured him that she could cancel his overdraft with only his authorisation so i believe he has done that for now!!

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IMHO = In My Honest Opinion

 

I'm glad to be able to help, please feel free to click on the scales of justice, these seem to have grown neglected by users in recent times :(

 

Now back to the matter at hand, now that your friend has done the thing I can't remember the name of my understanding is that nothing can happen to the account unless both parties come to some agreement. This doesn't seem likely from what you have said but at least it brings an end to the situation.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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  • 4 months later...

Hi,

I had a similar issue happen to me whereby our relationship has ended and I need to close our joint account. I have tried going into the branch but was told that the only option was for my ex to cut up her card and send it into a branch, which is not possible with the current situation.

 

Any advice as to how I get the account frozen/closed?

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It seems you can go in with ID and ask for it to be closed.

 

Stand firm and if the bank so no ask them to sign to confirm you have been in and asked for them to close the account, and that they know you no longer want to be on the account, and that the other person is now to pay all charges on that account. This should make them remember you can close it.

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I believe they ARE supposed to have both cards returned but in this situation it is not possible. They can get the dispute kind of thing mentioned above put on the account but this is not ideal since there will stil be a joint account and thus a financial association with CRAs.

 

A current account is always either to sign so they should be able to close it. It can definately be closed without a card because that's what they do if someone has been paying off a reducing overdraft. They wouldn't get sent a new card if the account was only open to pay the OD off.

 

Ask to speak to a manager, perhaps make an appointment to do this, they are just sales managers now but have more discretion than regular staff so they will be eager to get it sorted and get back to 'motivating' thier staff to sell.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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