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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Black Horse Car Finance Charges


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Hi, I had a car on finance with black horse that was recently voluntarily terminated. When I first phoned to enquire about doing this I was told there would be nothing to pay.

Now after the car has been sold they are saying I still owe them £200. I know its not a lot but its more the principal that is annoying me.

I've have asked for a full statement, which they have supplied. There were quite a few late payments, for which thay have added a £25 charge each time. Is there anything I can do about this? I was quite happy just to let the car go and let that be the end of it. There was no ppi so far as I can see and the account was not in arrears at the time of termination.

 

Thanks for any advice.

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

Thanks for the reply. The dca is Nationwide Collection Services, in Edinburgh, which seems a bit odd if BH are in cardiff. The letter states 'Your agreement with BH has been referred to us for collection...'

I can't actually see a signature on your post, probably just me being a bit thick

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  • 2 weeks later...

Thanks for all that.

I sent a letter last week asking for the charges to be refunded, and stated quite clearly that I do not believe the amount of the charge is fair in the actual cost to them for a late payment. I got back what I guess is a standard letter saying they don't uphold my complaint as the charges were for paying late and they are in the terms of the agreement, and I was welcome to take it up with the Ombudsman. No where in their letter do they attempt to justifiy or explain the amount of the charge.

What should my next move be?

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Hi

 

Ok so that was your preliminary letter so the next step is a 7 or 14 day lba....pretty much the same as your prelim but headed "Letter Before Action" and with a final paragraph that of they don't refund you then you will issue in court without further notice.

 

Make sure you do a spreadsheet of the amount you are claiming and attach it to the letter...here is the relevant sheet

 

CISheet v101.xls

 

Having read up on the interest tutorial you need to decide what interest you are going to apply

 

ims

 

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  • 2 weeks later...

OK, got a letter back offering to refund me £175, which considering the full total is over £600, I find pretty insulting.

What do I do next? Is it worth sending them a counter offer of about £400 to settle? Or should I write back to them at all and just issue court papers?

Thanks again for the advice already recieved.

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Hi

 

OK thanks

 

So the next step would be issue in court if you want to get all of the charges and interest back.

 

If you haven't already done so, I would start reading up on court claims to get these charges back

 

ims

 

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  • 5 months later...

I am experiencing a similar problem. I see now why my account has gone from BH to Nationwide and now BH again. They are chasing me for £5000 , which is just interest and charges. The vehicle, a motorhome was repossed within the first two years of the ten year loan ( which is now), I have paid the cost of the vehicle plus interest and yet they still want this £5k I am retired now, and my partner has made me realise what a disgrace the whole agreement is, but I just want to end it now. I am retired and feel they have had enough out of a debt that wasn t really mine in the first place.

The Financial Ombudsman could n t help, although sympathetic they said it was unregulated, CAB managed to get them to freeze some charges, ( that later crept back) and solicitors just don t want to know. So reading here to see what course of action I can take to end it all and live in peace of their phone and letter messages. They threaten my credit rating and extra charges, but its not listed on my credit profile, and they admit that since the repossession they do not record anything.

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