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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.
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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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letter from the Tocatoo / Lowell


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hello,

I was wondering if anyone would be able to give me any help or advice.

My boyfriend received a letter today from tocatto ltd stating he owes £37.91 outstanding balance from a 3 mobile contract phone he had 5 years ago.

 

4 years ago this debt went to a Debt collection agency, I think it was moorecroft I cant quite remember, and he agreed to pay £10 a fortnight until it was paid. This debt was paid as I myself went to the royal bank of Scotland and paid the £10 a fortnight until it was all paid.

 

About 2 years later we were sorting through paper work and thought we would no longer need the payment receipts from this debt so decided to throw them away.

A year later , about this time last year, we received a letter from another DCA informing my boyfriend he still owed the outstanding £37.91.

He phoned them and told them that he had paid the debt to which they asked for proof of payment. When he told them he had non as the receipts had been thrown away they told him as far as they were concerned without any proof of payment the debt was still owed.

The person he spoke to was very rude and unhelpful and didn't give a damn and kept insisting he must pay. My boyfriend quite bluntly told them that they would not receive any money from him as the debt was already paid. The conversation kept going round in circles eventually the guy from the DCA put the phone down on him.

We received another couple of letters and each time he phoned the company and told them the same thing. The debt has been paid and they will not get any money. Again they told him without proof then he still owes it.

After about the 3rd letter we never heard from them again or any other DCA concerning this account until today.

 

My partner hasn't rang Tocatto yet and we will probably hear the same cock and bull story from them.

So I was wondering if anyone had any ideas how to get rid of them once and for all without having the pay the debt a second time.

Any help would be very much appreciated

Thx in advance

Bec

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firstly

 

NEVER EVER phone a DCA!!

 

they have NO LEGAL POWERS

to do anything bar send threat-o-grams

 

pers i would ignore the fleecers

 

i would suggest you do a bit of reading in this forum

 

you'll soon get the idea

 

as this has been paid-off anyhow

this shows what typically happens in the case of these 'phantom' mobile phone debts

it goes straight to the DCA's pocket without any record being place against your name on the phishing list

 

it get sold on & the next one tries their luck as you've proved to be a soft-touch.

 

the debt [if it ever existed] would have been written off against tax by the OC years ago

thats why the OC have neber asked themselves for the money!

 

well you've learned now - don't get caught again!

 

never ever believe what these fleecers say!

 

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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I have been reading stuff but not quite sure as to what to read or where to start. there is just so much information. Any payments we have made since to anyone we have since kept proof of payment and will do so for a very long time and so far so good with the rest of the debts. Just this one keeps cropping up like a bad aftertaste :(

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Hi Bec,

 

Rant continued....

 

Moorcroft work as follows.....mobile phone company pass your details to moorcroft, they contact you to say hello out-standing amount please pay, you pay, moorcroft say Here you go mobile phone company and thats it....BUT on the occasions were that they/moorcroft "Buy the Debt" they do not sell it on again to a third party.

 

Hope this helps!

 

Hotmamma :-)

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Hi Bec,

 

Please take this advice...."DO NOT PAY THEM".....understand! You both know that you have paid and you can either print of statements from your bank via the internet or pay your the bank for copies which will show your payments and even ask the bank to supply you with a copy of the "in full and final settlement". confirmation of the closure of this debt.

Know think of it this way, this and it is a [problem], if this company chases 10 people at what seems to be the average amount of £30,that equals £300, so times that by 100, 1000, 10000.... get the picture, nice little earner. And because it is such a small amount, most people would pay it. But not us, we are out to screw them. Now, Don't forget if they contact you TELL THEM to prove that they own this debt and that they have "12 WORKING DAYS NO LONGER TO SUPPLY THIS" .....OR....THE DEBT IS UNENFORCEABLE!!!!!!

Check out all that has been said about this [EDIT - PLEASE REFRAIN FROM PERSONAL ABUSE]hole of a company and if they are rude to you on the phone, stand up, take control and threaten them, i told them to feck off, but that's me!

 

Oh, and when i spoke to Moorcroft, the guy told me that this sounded very odd and to be aware it could be a [problem] and to call ofsted! what's that telling you???? Keep us all posted, but for your own piece of mind get proof from your bank, also call moorcroft and give them any details regarding the phone contract they should be able to locate it in the past history they number is: 0161 4752858.

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