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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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Lowell claimform for old cat 'debt'***Claim Discontinued***


Clynite
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CPR 31.14 is here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.(1-Viewing)-nbsp

 

Remember you can only request items that are mentioned in the Particulars of Claim.

 

If the date of issue on the claim form is 15 July then you must acknowledge by 2nd August and then your defence must be submitted by 16 August.

 

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don't send anything to carter not worth it

you'll get a template reply

 

send CPR & CCA request to lowells

 

as I detailed above.

 

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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Clynite I already have a defence drafted for the very same claim particulars...give me a nudge when you are ready to submit.

 

Regards

 

Andy

We could do with some help from you.

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andyorch that's a weight of my mind, many thanks for your help.

 

 

ims21 has kindly informed me that the defence has to be submitted by 16 Aug. I have sent cca/cpr31.14 requests and await response.

 

 

I take it, defence will be submitted based on what comes from these requests.

 

 

Thank you Andy

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If empire were related to shop direct then last payment was made July 2008, according to her old bank statement.

 

Empire was FULLY took over by SD from Redcats Brand in July 2008. Empire are still owned by SD but trade as woolworths/kandco. I no this as l around the same time as your friend had a empire account and Mine was unenforcable as they never had a cca from Redcats.

 

I have 2 threads on the matter one about they buy out and one about empire.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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dx

Link details:

 

Name of Claimant: Lowell Portfolio ltd re: Lowell financial ltd

Date of issue: 15 July 20014

 

Particulars of claim:

 

This claim is for £** the amount due under an agreement between the original creditor

and the defendant to provide finance and / or services and /or goods.

 

This debt was assigned to /purchased by Lowell Portfolio I Ltd on 26/05/2009

and notice served pursuant to the law of property act 1925

 

Particulars Re : Shop Direct A/C no ********

 

And the claimant claims £***

The claimant also claims interest pursuant to s69 county court act 1984 from (date) to date at 8% per annum amounting to £***

 

Value of claim: £540

 

Total claim includes interest and legal fees

 

claim not for current or credit/loan or mobile account

 

Original agreement entered into pre 2007.

( I am still wading through friends bank statements for details but have found so far entries at 2006 will look further back when I can)

 

Claim has been issued by debt purchaser

 

No notice of assignment just threating letters from Lowells

 

No default notices from original creditor

 

No statutory notices received

 

Last payments appears to be July 2008

 

Goods were returned to catalogue and account never credited hence the alleged debt. Never resolved

 

Hope that helps, how do I submit a cca request etc

Thank you

 

Based on the info provided, the agreement being Pre 2007, this IS a old redcates brand account so DONT expect anything re a cca from Lowell/littlewoods.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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FWIW redcats went Shop direct 12th July 2008.

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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Redcats are still about

http://www.laredoute.co.uk/terms.aspx

 

 

Customer Service

 

We are committed to providing a high standard of service to all our customers and treating them fairly. There may be times when you don’t feel we've lived up to this. If this happens, we want to hear from you. Letting us know when you are unhappy with the service you experience gives us the opportunity to put matters right and to improve our service in the future for everybody. Our dedicated staff are committed to working with you on your complaint and to resolving it to your satisfaction. You can share your concerns with them by phone, by letter or e-mail as shown below:

Address: The Complaints Team, Redcats (Brands) Limited, 2 Holdsworth Street, Bradford, West Yorkshire, BD1 4AH.

Telephone: 033 0303 0199 - 9am-5pm Monday-Friday.

E-mail: [email protected].

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks for the info and advice. I have checked neighbours credit file and it states this account was started in 1993 (missed that info first time).

 

 

I may be a little naïve, but thought I couldn't submit a defence until requests have been received. I don't want to get this wrong after assuring my friend of my help. If I can submit defence before any docs arrive, then I definitely will. I only want to act in my friends best interests. I realise, if I get it wrong, she could suffer as a result of my actions.

andyorch has kindly offered to help with the defence, which is a great help.

Can someone advise on when best to submit defence please.

Thanks to everyone for input

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You must submit a defence within the court time scales otherwise there will be a judgement by default.

 

You may not get a reply to the CPR but not much you can do about that.

 

Their failure to respond the CCA request (if they do fail) can be used in the defence.

 

Andyorch will help you with the defence but you do not need to be filing it yet. Just keep an eye on the timeline.

  • Confused 1

 

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Have received a reply to cpr31.14 from Carter sols. ( also sent request to lowells )

 

They confirm claim was issued via Northampton Court, and that the courts protocol was followed when issuing the claimants particulars of claim.

 

Practice direction 7C point 1.4 ( 3A ) eliminates the requirement to attach the documents to the POC when they are issued by this court.

 

They confirm that the matter will most properly be allocated to the small claims track as this is a simple contractual matter

and part 31 of the CPR will therefore not apply.

 

In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you.

 

It is the original creditors policy to issue agreements at the start of the contract and statements throughout the duration of the agreement and, in this regard, we ask you to refer to your own records.

 

We confirm our client is not agreeable to an extension for filing your defence.

 

A claim was issued on **/july and we are not in receipt of your acknowledgement of service.

 

Please respond using the response pack provided by the court.

 

Comply with the court deadlines in order to avoid a default judgement being entered against you.

 

 

That's about it. can anyone explain what this means please?

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std rubbish crap ignore it.

 

still has to provide paperwork

 

if you look at the other carter threads

 

you'll see the exact wording everytime

 

if this goes true to form..he'll discontinue close to the date.

 

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 make your defence deadline midnight 16th

 

do not miss it no matter what happens

 

dx

  • Confused 1

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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Share on other sites

As dx says he by now 'should' no the rules. If you want write back advising him of this

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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no point in writing to carter whatsoever.

 

let him discontinue

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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Oh remember to keep a eye on costs aswell. You could always attempt a wasted costs order against him. Ok he does not like them and tries to say not his fault but if u dont try u dont get.

Claim for printing time postage etc

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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