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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Cancelling Experian membership


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How Do I Cancel My Membership?

We would like to make sure you're aware of all the important benefits you currently receive as part of your Credit Expert membership.

 

Unlimited access to your Credit report: Checking your report on a regular basis will assist you to spot irregular activity on your accounts that could be related to identity fraud.

 

Alerts Services: By using the free Alert service you can rest assured that if significant changes are made to your credit report we will notify you of this.

 

Improve Your Credit Score: As part of your CreditExpert membership you have free access to our Specialist Reports Team who can advise you about your credit history with a view to improving your credit score.

 

Better Deals: As a CreditExpert member you have unlimited access to our exclusive online service LowerMyBills to help you find better credit deals based on the information in your credit report.

 

If you would still like to cancel your Credit Expert membership you can do so by contacting our team on free phone 0800 561 0083 (Mon-Fri 9am-6pm, Sat 9am-1pm, Sun closed).

 

 

 

 

 

 

http://experian.metafaq.com/templates/experian/main/answerPage?_mftvst:answerRef=$http://api.transversal.com/mfapi/objectref/EntryStore/Entry/http://www.metafaq.com/mfapi/Metafaq/Clients/experian/Modules/Cancel_and_duration:137287:14&_mftvst:moduleID=$Cancel_and_duration&_mftvst:topicID=$&id=LQFUK48DII870NQ74QEDEM2ATC

 

 

I signed up for the months free trial membership with Experian/Credit Expert and would like to cancel before the first months money is taken out, but cant find where on the website you are supposed to cancel.

Does anyone know how to do this please?

 

BF

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I signed up for the months free trial membership with Experian/Credit Expert and would like to cancel before the first months money is taken out, but cant find where on the website you are supposed to cancel.

Does anyone know how to do this please?

 

BF

 

Try 0800 656 9000 then select option 4, phones only open mon-fri 9-5pm

 

S.

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Try 0800 656 9000 then select option 4, phones only open mon-fri 9-5pm

 

S.

 

and if you have to listen to some pathetic sales speel about why you want to cancel tell the monkey to stop asking me stupid questions, cancel your subcription and stop wasting my time8-)

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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They are very good at taking your payment regardless! Make sure you get the name of the person dealing with your request, just in case...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Some phone monkey told me they couldnt cancel as I had done the 10 day free trial on Creditmatters but as they coudn't verify me I hadn't doe the trial, so I got the £19.99 they pinched from my bank account.

 

Perhaps a free trial offer shouldn't include you entering bank details until the final day, that would hit them where it hurts.

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If you phone them and cancel it, they should send your e-mail address a confirmation with the title as something like, 'Sorry you're leaving.'

 

If they charge you anything once that is received, then you have grounds to kick up a stink!

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I wonder how long it will be before more and more people become like I have. I DO NOT trust any company on this planet! I do not listen to any garbage that any of them spill out anymore. There is no such thing as a "wonderful offer", "bargain", "reduction" etc.

This whole country is one huge financial con. Even the so-called "charities" should not be donated to once you look into them and see just how much actually reaches the needy ( if at all, any).

Now I see that our latest thieving Government want to introduce "charitable donations" at our ATMs.

And would we like to round our bills up to the nearest £1 at every supermarket checkout? No thanks, Ill keep my money ta.

 

The rule of thumb today is trust no-one! Agree to nothing and tell the phone monkeys to f*"^ off!!

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I used to be very open to offers and would usually buy the salespersons blurb etc.. It's taken me just 2 months to start thinking like you merlin. I think nothing now of slamming the door a cold callers face. Just saying 'not interested' and walking by those people who stop you in the street with clip boards. Trust no one. If an offer looks too good to be true, then it is.

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Why the hell do are we expected to pay these cretins a monthly fee to see our own personal information, them TV adverts drive me round the bend, with the pathetic lame excuses for signing up.

All they want is your latest info so they can pass it on to their bed buddies the DCA's, who then know that you have spare cash to pay a worthless monthly membership.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Couldn't agree more, as soon as the CRA's get out of bed with the DCA's and and process peoples data correctly then the better!

In fact I don't remember giving the CRA's permission to process my data anyway? But that is a whole different argument!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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