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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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enforcement of CTAX debt i've been paying and fee over charge? done chargeback ..


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hello,

I'm writing today,

I had a visit from a bailiff to collect money for and council tax debt that i haven't paid

 

 

I have been paying it regularly

 

 

i had 200 £ left

today he showed up and said there was a charged 420 because i was suppose pay in weekly instalments and i paid in monthly.

 

I has in a hurry and he scared the crap out of me saying if i don't pay now it will be more

so i did and

 

 

i checked my account and i see that he took 530 out of my account without authorisation

 

 

i fell like i have been scared

is there any way to reverse it now ?

 

 

i fell like i should have only paid the 200.

 

What should I do now i don't have any money left :(

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Hi colorova and Welcome to CAG

 

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update

I cancelled this payment from my bank

i said its an unauthorised payment

so ill get the money back

 

what should i do to lower the amount back to 200 as it was in the beginning before the charges ? please help if you know what to do

 

thank you Andy

 

 

Hi colorova and Welcome to CAG

 

I have moved your thread to the appropriate forum.Please continue to post here to your thread.

 

Regards

 

Andy

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so you'd already had a notice of enforcement before..

that's why you entered into the agreement?

 

 

who with the bailiff direct - verbal or in writing?

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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If you've had an arrangement with the enforcement agent and defaulted on the terms then they can (and usually will) look in to taking further action.

 

If the payment was due weekly and you've been paying monthly then the payments are roughly 4 weeks in arrears, enough to get most payment arrangements cancelled.

 

Once they cancel the arrangement then the £235 becomes due if they've moved on to the stage of attending to remove goods

- this is most likely what the latest visit was for.

 

You need to clarify the total costs which were applied but the £235 would be a legitimate charge for the visit.

 

There's some confusion in what you say regarding the amounts

- you say you paid the enforcement agent what he asked for but then found he'd taken more.

 

Presumably it was a card payment or bank transfer so did you not check the amount before you made the payment ?

 

The enforcement agent wouldn't have the ability to change the amount you paid on a card payment or a bank transfer.

 

Craig

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hello,

I'm writing today,

I had a visit from a bailiff to collect money for and council tax debt that i haven't paid

 

I have been paying it regularly

 

i had 200 £ left

today he showed up and said there was a charged 420 because i was suppose pay in weekly instalments and i paid in monthly.

 

I has in a hurry and he scared the crap out of me saying if i don't pay now it will be more

so i did and

 

i checked my account and i see that he took 530 out of my account without authorisation

 

i fell like i have been scared

is there any way to reverse it now ?

 

i fell like i should have only paid the 200.

 

What should I do now i don't have any money left :(

 

Did you manage to get a chargeback from the Bank?

 

Years ago a bailiff did the same thing to me

-taking money from my account without authorisation and my bank would not repay me.

 

Part of the problem was that the bailiff company banked with the same bank as me

and as I did owe money to the bailiffs,

the bank wouldn't do a chargeback.

 

The Police were as much help as a chocolate teapot

 

I took the bailiff to Court and won.

 

I was lucky as it was my word against the bailiff

though he didn't help himself by adding an extra amount on to the distress notice he pushed through the door prior to taking money from my account .

 

Apparently I did it all wrong and should have taken the Council [the debt was for CT] and the bailiff company to Court rather then the bailiff himself.

 

However I did get that money refunded and the bailiff company paid my outstanding council tax for me .

 

It wasn't a large amount and I had been asking for exemplary damages which I didn't get but there was a bit of compo involved.

 

You have to be careful going for chargebacks

since the bailiff can come back again if you still owe money for a previous visit.

 

When you made the original agreement I take it that it was over the phone rather than an agreement in your property?

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hello,

I'm writing today,

I had a visit from a bailiff to collect money for and council tax debt that i haven't paid. I have been paying it regularly. I had £200 left, today he showed up and said there was a charged 420 because i was suppose pay in weekly instalments and i paid in monthly.

 

I has in a hurry and he scared the crap out of me saying if i don't pay now it will be more so i did. I checked my account and I see that he took £530 out of my account without authorisation

 

I feel like I should have only paid the £200. (

 

When you made the payment, did you pass over your card details and 3 digit security number?

Did the enforcement agent give you a receipt?

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