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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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Welcome/HEGARTY/IND CCJ £2k Loan now £5k judgement. sold to intrum


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Hi Guys,

Today i got a letter to say welcome finance has won the court case

and i need to pay full balance of £5000 even thou i got a loan of £2000,

 

I did apply last month online for to hold it off for 28days

but as i'm getting redundant and getting all stressed

but i have to do 4 week notice period

 

i cant afford the full balance

 

is there a way i can get round this and pay little bit till i get another job?

 

please help im stressed enough,

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Someone with more knowledge will help out soon I'm sure.

 

Meanwhile in my opinion, try not to worry, if you can't afford it then you can't.

 

I think what you do about this is relevant to your circumstances ie: do you own your house etc. that's when it gets harder.

 

Where did you apply to have it held off, I didn't realise this was possible. I thought the AOS gave you 28 days to defend.

 

Did you turn up for court if not the judgement was a default one and there are ways to contest this.

 

As I said someone should help you out on here.

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theres no welcome loan that's not 90% unlawful PENALTY fees

PPI

GAP

or any number of stuff to reclaim.

 

i'll guess this was hagerty or IND?

 

not welcome?

 

ok the court CCJ.

 

you need to contact the court and get a redetermination/variation order going.

 

ASAP get an SAR off to welcome finance by recorded delivery.

 

have you got ANY statements?

 

a copy of the original agreement?

 

I hope this one turns out better than the other two threads on court forms you have previously had

 

you should be well used to dealing wit the process by now.

 

shame all those past threads just die............

 

 

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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Hi,

 

The name on the judgment for claimant is HEGARTY LLP based in Peterborough,

 

the total they want me to pay is £5,077,56 inc £85 = £5,162,56

and the court said i have to pay for the full balance

 

,i do keep all the original forms when i first went with them and all the paperwork what i paid

 

,i've been served notice at my work yesterday and

i lost all contact with all my other problems

,forgot to reply back to the courts with my defence,

 

i admit its my fault now i have to pay the full balance and now i dont know what to do?

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If you are unable to pay the full amount demanded on the Judgment then you will have to apply to the court on Court Form N245 and ask for the judgment to be varied to instalments.

 

I think this will cost you £40.00.

 

http://www.moneyclaimsuk.co.uk/court-forms.aspx

 

Scroll down the list on the link above until you get to form N245 and download the application.

 

If you are on benefits then you might be exempt from the application fee.

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ASAP get an SAR off to welcome finance by recorded delivery.

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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click the sar

 

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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Hi Thanks for your help.

 

i have filled out all the forms you have suggested and going to send off to courts and welcome finance,

 

Today i received a letter from IND about notice of change of solicitor it says - i (we) give notice that my solicitor Hegarty LLP has ceased to act for me and i shall be acting in person, the signature is a scribble writing but next to it has DEBT ACCOUNT MANAGER to my local count court not Northampton.

 

What's the next step shall i do?

 

also there was a another letter from Money Save Solutions?

 

 

any good?

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yea usual crap.

 

thought it would be ind behind this.

 

go read the other welcome finance threads on here too

 

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 wish i had replied with a defence cause im getting redundant at the end of august ill have no job go on benefits, I hope i can fight against this ccj,

ill send the forms off asap.

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  • 2 years later...

Hi All,

i was silly and stupid when i was young got a welcome finance loan for £2000,

i was stupid to even agree but i needed the money to pay off some debts

and i was working so i paid back some, i left my job

and i was out of work for 6months got in so much debt with them late payments,

 

fast forward 2015-

i got a letter from court to say i need to pay £5000 back and it went their side and i didnt do a defence letter,

i had to go small claims court and start paying £50 a month

 

i got made redundant last year and been struggling looking for work for 4 month

and i've finally got a new job in December,

 

i was wondering if anyway i can cut this balance down as this would take me years to repay.

 

i cant afford more then £50,

 

thanks

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  • 4 weeks later...

I have now spoken to a broker as i want to get a mortgage as the ccj is stopping me and my gf getting one,

 

I have spoken to IND about offer them £1000 to clear the balance as i think paying £50 a month to clear £5000 on a £2000 loan which i think is riduclous with calls and ppi and i was stupid not to defend,

 

i guess this is my only hope......

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sar to welcome

get all the statements and get reclaiming all the insurances and penalty fees.

 

 

 

if you'd done that before the case

I bet they owe you..

 

paying it off wont remove the CCJ

and the broker is having you on

if he's telling you it being satisfied will get you a better deal.

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 would.

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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Hi dx100uk,

Just an update

IND are a bunch of money grabbers

i have now offered 3000 to clear the balance

but they have also refused that.

 

2013 on their system was 4132

and now its £5132

and they are willing to take an offer of 4500

and the woman who looking after the account is so rude,

 

 

i have sent welcome an sar to request everything they got off me.

but what would be the next step to get this reduced.

 

many thanks

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IND only ever got CCJ's on dodgy debts

so they could rack up serious profits in the future

 

 

dead shame you let this drop all those years ago.

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

in what way.

 

 

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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look at the info your get back

you indicated 3yrs ago your had numerous loans

so there could be lots to reclaim.

were the loans refinancing each other

you also said you had all the agreements?

 

 

what date was the ccj granted 2013?

 

 

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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