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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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Help with cash sum settlement into an IVA...


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Hi,

 

Looking for some advice regarding an IVA. Long story cut short, had substantial loan /credit card payments each month, girlfriend was working, quit work due to becoming pregnant (unplanned) and now we’re living on one wage. Cut down to a single car, cut out all un-necessary spending, living to a strict budget and been consulting with CCCs.Current debt (all in my name – occurred before meeting my partner) was under some control, however due to reduction in income, unable to meet monthly obligations.

 

Debt value is £32000 – one creditor whom was totally un-reasonable regarding reduced payment plan has issued CCJ. CCCs has now recommended IVA. I’m in the process of setting this up, however since this has started, which has taken nearly 6 weeks already my partners dad has basically flipped his lid over the whole matter, as its now come to his attention and has offered a lump sum of £6000.

 

He’s basically told me to offer this into a lump sum payment and see if many of the debts can be written off.What are my options with a £6000 cash sum towards £32000 worth of debt? I cannot afford to repay the debt so would creditors except a reduced cash settlement in an IVA?I’m waiting for CCCs to asses if this viable, however wondering if I’d be better of calling creditors and seeing if they’d except a cash settlement.…

 

Many thanks...

Edited by iv-tecman
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I'm really sorry for the poor formatting of the first post.Somehow when I attempt to put the whole post into structured paragraphs it doesn't work..

 

edit - wokring it out, you need to use HTML paragraph tags..!! Erm ok, anyhow hopefully easier to read now, many thanks.

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  • 1 month later...

Hi Iv-techmanGoing from the figures you have provided above, the dividend would roughly be 18p/£ (for every pound you owe, the creditor would get 18p back) however this is not taking into account the IP fee's on the IVA. After fee's of say for example £1850 for nominee fee and £1500 for Supervisor fee it is possible that the overall dividend could be below 10p/£ which is a low dividend in the eyes of the creditors. What would work in your favour is if you were to have no disposable income to offer to your creditors as they would then see it as that is all that they would be able to get from you. If you did have a disposable income then the IVA proposal could be modified by your creditors which could mean that whatever disposable income you have must be contributed into the IVA for 5 years (unless modified by creditors)so to increase the overall dividend avaliable to creditors.No licensed IP will do an IVA without a fee due to the work that is put into drafting your proposal and also looking after the IVA after the acceptance meeting. I would advise that you speak to a debt helpline such as Debt Free Direct or National Debt help line who will provide you with free advice and will normally help you decide which is the best course of action. **Please bare in mind that I am training in debt advice and there may be many other options that are available to you**

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Hi,

 

Looking for some advice regarding an IVA. Long story cut short, had substantial loan /credit card payments each month, girlfriend was working, quit work due to becoming pregnant (unplanned) and now we’re living on one wage. Cut down to a single car, cut out all un-necessary spending, living to a strict budget and been consulting with CCCs.Current debt (all in my name – occurred before meeting my partner) was under some control, however due to reduction in income, unable to meet monthly obligations.

 

Debt value is £32000 – one creditor whom was totally un-reasonable regarding reduced payment plan has issued CCJ. CCCs has now recommended IVA. I’m in the process of setting this up, however since this has started, which has taken nearly 6 weeks already my partners dad has basically flipped his lid over the whole matter, as its now come to his attention and has offered a lump sum of £6000.

 

He’s basically told me to offer this into a lump sum payment and see if many of the debts can be written off.What are my options with a £6000 cash sum towards £32000 worth of debt? I cannot afford to repay the debt so would creditors except a reduced cash settlement in an IVA?I’m waiting for CCCs to asses if this viable, however wondering if I’d be better of calling creditors and seeing if they’d except a cash settlement.…

 

Many thanks...

 

Hi

 

As another poster has put, have you been fully advised on all your options including bankruptcy?

 

On the full & final settlement issue, below is a useful fact sheet from National Debtline that may help

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

 

More info on your overall circumstances needed really to help further.

 

With all debt solutions you really need to fully understand anything you enter into or sign up to especially an IVA and even more so if you own your home in my opinion.

 

Might also be worth looking through the Nat Debtline & CAB links below

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

https://www.mymoneysteps.org/

 

Always best to be absolutely sure

 

Best wishes

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Have you considered bankruptcy? Or do you have too many assets? Might be a way to a clean start if not.

 

Hi,I have, wasn't too sure about surplus cash each month, as courts could decide to make my pay this for up to three years even after being discharged.Managed to now get lump sum funds up to £8500 - currently not paying creditors any payments apart from CCJ in hope they'll accept full and final offer - but still going ahead wth IVA its now in draft stages with CCCS.Wish I had £32000 - I'd just pay them all and never take another loan as long as I live - learnt my lesson in regards to credit. sadly my partner wants to buy a house, so she is keen for all debts to be gone quickly as possible and for me to start trying to repair my credit file...firstly though, I need to get my debts gone, and currently have £8500 to repay £32000. Written to all creditors offering them equal share of £8500 - so far all have refused offer.

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