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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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home visit from MMF?


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I have recieved a text from a Karl Barton stating that he has been instructed to visit me and if I do not call and make an appointment then he will arrive unannounced

 

can they do this? or can I state that I do not agree to a home visit?

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No, I am assuming you mean Motrmile Finance? Send them the following:To whom it may concern:You have text my mobile phone recently regarding one of your agents visiting my home address, without prior agreement or an appointment.Please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.Yours faithfully,

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Watch em though I sent that letter 3 times to them and they still threatened to call I faught this and in the end they agreed to put the account on hold until I looked into this. I have offered a f&F settlement of 30p in the £ stating that I fwelt it was acceptable due to the OFT breakages and continua lharrasement via E Mail I willupdate you with the conclusion in a few days as I am on themove and wont even be here for the next few days (sorry for the keyboard but it is shot)

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having pretty much the same with these, so following with interest ,they threatened to make lists of my assets for possible seizure after i sent them the doorstep letter, so i sent a letter stating that as i have small children any strange person on my property without permission and especially peering through windows into rooms where the children could possibly be would be reported to the police without prior challenge. photographic evidence would also be taken

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well thanks to an incompitant intern at our buyers sols mucking up our moving dates and mixed us up with another house (must be a split couple as they wanted to retain half the money) LOL we are still here until friday. but MMF refused my F&F saying they are only allowed to knock 25% off (me thinks that her target is low) but I am adamant I am not paying thier inflated figures the little madam there e mailed me and told me if I wanted installments 46 per month and I am unemployed but that makes no odds these people seem to think that we can magic money from anywhere we wish . the ironic thing is she told me if I paid online then I would get a much reduced figure went to look and still over the odds. Went in the next day and it had doubled so they can whistle. when I am settled at the new house I shall pay my 30p in the £ and no more if I were you report them to the OFT for "pretending to be Bailiffs" I know I am

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WHere are you getting the 30p in the pound figure? Not sure why you would suggest that, it is recommended by most on this website to offer the original amount + 1 months interest.

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WHere are you getting the 30p in the pound figure? Not sure why you would suggest that, it is recommended by most on this website to offer the original amount + 1 months interest.

 

As i understand it was being offered as a full and final settlement as this is now a DCA who probably bought the outstanding for as little as 10p in the pound so if you can clear it for as little as possible why not ?

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basically cos MMF baught the debt 10p in the £ they have threatened me ignored me treated me like **** refused to set up an agreement other than what they wanted sorry for ranty but I refuse to fund these morons for the continued use of thier threats

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Hi toofiegap,

 

I had a DCA chasing me for money and I had a doorstep visit unannounced. The caller stated that he was a Bailiff but had no paperwork. I reported him to the police who arrested and charged him with Fraud and Deception. If this company are trying the same and do not hold the "Warrant of Execution" then I would get the police involved

 

Hello Grandam_jules,

 

here is the website link to MMF

 

http://www.mmile.com/company.html

Edited by Queens_king
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  • 3 weeks later...

yay finally back online after moving took their time lol. MMF are still at it despite sending 6 yes 6 letters and e mails revoking the doorstep rights one of thier numpties even left thier mobile number so he could go to my old address and to call him boy did I he got a real mouthful from me only for the MD to mail me stating that I am reporterd for being abusive and told me to seek legal representation (ooooooooooooooooooooooo im scared) this outfit on several occasions have been told I am not working and if indeed it was to go to court then thry would only get 1.00 per month but they seem to think that they are the law and can assess me seek me out and promise to do all sorts of dca ish things to me anyone here ever had MMF take them to court and win?????

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