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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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Opportunity to clear a few debts - advice wanted


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At the beginning of last year,

after my wife lost some disabilty benefits,

we ended up getting into debt,

mostly small but included a credit card just over £3k.

 

My wife has since managed to get back on top with all but two, and I will shortly be in a position to clear most of mine, apart from the credit card.

 

If I was to clear some of these debts by offering a settlement of (say) 50% and (say) offer a grand as settlement of the credit card would this be a detriment on my credit rating?

 

We will be moving to private rented accommodation in September and want our credit rating to be as healthy as possible.

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Yes it would be detrimental, if part settlement was accepted. Means you get into debt, which you then seek to not repay in full. Frightens future creditors.

 

Quite honestly, you are best to always contact creditors and ask for their help. They do have some responsibility to assist their customers manage their accounts. Perhaps if gave them full details of income/expenses, they might freeze interest/charges for a period to allow you a chance to get back on top of repayments due.

 

You don't give any info about debts and whether your course of action that you are following is best way. If you want people to comment on that, provide more details. Or phone Stepchange or other free confidential helplines who will ask you about the debts and you can discuss it.

We could do with some help from you.

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what are the defaulted dates on these debts?

that's the killer..

doesn't matter if you pay them off

the default remains for 6rs.

don't waste your money

go have a holiday with it..

 

 

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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Never cosider any form of F&F if the debt is owned by a DCA. Doyour homework and check if its actually enforceable first, or its a total waste of money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes it would be detrimental, if part settlement was accepted. Means you get into debt, which you then seek to not repay in full. Frightens future creditors.

 

Quite honestly, you are best to always contact creditors and ask for their help. They do have some responsibility to assist their customers manage their accounts. Perhaps if gave them full details of income/expenses, they might freeze interest/charges for a period to allow you a chance to get back on top of repayments due.

 

You don't give any info about debts and whether your course of action that you are following is best way. If you want people to comment on that, provide more details. Or phone Stepchange or other free confidential helplines who will ask you about the debts and you can discuss it.

 

I made arrangements with the £3k credit card to clear £15 a month and another credit card around £600 at £2 a month.

 

There are about 5 other debts (largest £350) that I didn't make arrangements for but are showing on my credit file.

 

I am not paying any interest at the moment.

All my wife's debts are now being repaid at the normal interest rates bar two,

which are on temporary no interest minimum arrangements.

 

One of those ends this month so we'll go back to paying normal interest on that one.

 

We can afford those repayments now where we couldn't before, It's takens us about 18 months to get back into this position.

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Are you paying the Original creditor direct, or is another company going as an inbetween?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks dx100k.

 

The defaults are all around June to August last year.

 

I was under the impression that having a debt showing satisfied (if paid off completely) or whatever they call it if you make a reduced offer of settlement that they agree to, would look more favourable than simply showing a debt in default.

 

The biggest credit card debt is now with Lowell and the other one is with Frederiksons (Defaults Aug and June last year) On credit file they're showing as Lowell and Cap One.

 

All I'm looking at is making my credit file look better when we move, but I accept that the history is there for 6 years.

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STOP PAYING. The debts are with two of the biggest fleecers out there. CCA them now and do not pay a single penny until you recieve a compliant response. Stop considering paying them ANYTHING.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Are you paying the Original creditor direct, or is another company going as an inbetween?

 

Lowell for the biggest credit card (3k) so I assume the Aqua have sold the debt. Fredicksons is likely a DCA so my approach (should I make one) would be to Cap One

 

On my wifes' Creation, which will revert to standard terms next month, was paying them £8 a month, and dealt with them direct all the way through. Argos being dealt with by Moorcroft, and we're paying a minimal amount with no interest at the moment.

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cash cowed...

 

nope paying it or paid it

wont help your score at all.

once defaulted

that kills you for 6yrs till the whole account then drops off your file.

 

so freds are chasing on behalf of their client who is cap1?

 

the other debt has been sold to lowells?

 

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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Share on other sites

Perhaps it might help,

if more details were advised on each debt.

 

 

Original creditor name,

type of account, date taken out,

date of last payment,

who owns the debt now,

basis of any payment arrangement.

 

If the OP is moving and wants to avoid a CCJ at any point,

perhaps more info needed,

before they stopped making repayments.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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cash cowed...

 

so freds are chasing on behalf of their client who is cap1?

 

the other debt has been sold to lowells?

 

 

dx

 

As far as I know, yes, although I haven't received a deed of assignment (not that it makes any difference)

 

I understand (and accept) that paying any of this debt off will still damage my credit rating until 6 years has passed. Is it fair to say though that if I show the letting agent that I have satisfied most of the debt they will look more favourably on letting me a property, because that is the crux of the matter.

 

A quick question where I'm paying reduced payments does the debt come off my credit rating 6 years after default or still show because I am making repayments?

 

In answer to Uncle Bulgaria

 

Moneyway (Car Loan) £1043 £85 a month never in arrears

Aqua (with Lowell) £3100 £15 a month defaulted

Cap One (with Frederickson) £585 £2 a month defaulted

Pounds to Pocket £343 no arrangement defaulted

Ratesetter £159 No arrangement says up to date even though no payments for at least a year

Secure Trust Bank £211 up to date but fell behind with payments for 3 months last year which they transferred to the end of the debt.

EE Ltd £19 no arrangement Default (stupid on my part head was a shed last year should have just cleared it off)

Cashplus £127 overdrawn shows late payment.

 

(All defaults were between June and August last year.)

 

Wifes

 

Argos £1500 (with Moorcroft) £5 a month

Creation £1200 (Direct) £8 a month but switching back to interest next month

Littlewoods £1100 never in arrears

Very £1200 never in arrears

Ace £250 fell behind last year and restored interest when we were in a position to make normal monthly payments.

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Moneyway (Car Loan) £1043 £85 a month never in arrears have you still the car?

Aqua (with Lowell) £3100 £15 a month defaulted - send a CCA request

Cap One (with Frederickson) £585 £2 a month defaulted - send a CCA request

Pounds to Pocket £343 no arrangement defaulted start a thread in the PDL forum

Ratesetter £159 No arrangement says up to date even though no payments for at least a year - start a thread in the PDL forum

Secure Trust Bank £211 up to date but fell behind with payments for 3 months last year which they transferred to the end of the debt. - whats this a secured Loan?

EE Ltd £19 no arrangement Default (stupid on my part head was a shed last year should have just cleared it off) ignore

Cashplus £127 overdrawn shows late payment. start a thread in the PDL forum

 

(All defaults were between June and August last year.)

 

Wifes

 

Argos £1500 (with Moorcroft) £5 a month send a CCA request

Creation £1200 (Direct) £8 a month but switching back to interest next month send a CCA request

Littlewoods £1100 never in arrears send a CCA request

Very £1200 never in arrears send a CCA request

Ace £250 fell behind last year and restored interest when we were in a position to make normal monthly payments whats this ace cards?

 

 

IMHO save your money for a deposit

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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Yes, I still have the car.

 

Secure Trust was a fridge freezer from AO

 

Ratesetter was a mobile phone from giff gaff.

 

I'm confused as to why I need a CCA request,

especially for those that have never fallen into arrears or have reverted back to interest terms.

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well ultimately you don't want to attract any more defaults

so the ones that are happy

undefaulted

and still with the original creditors p'haps not

 

 

but the others i cant see why not

ok you cant CCA bank accounts nor mobile debts

but most certainly any that are with or have been sold to DCA's CCA

 

 

paying or not

paid or not

the defaults are there for 6yrs

then that account will drop off your credit file

and cant return

no matter what you do or don't.

 

 

so be careful on wasting money, me thinks you might have already

it wont improve your score or worthiness whatsoever if its defaulted

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

well careful decisions ahead.

 

 

ive lost count of the number of people that I've seen blindly pay debts off and find their money has in all effect been a total waste.

they might as well have burnt it for all it did to improve their credit worthiness and their financial well being given time.

 

 

don't get me wrong

we're not against doing so.....

but neither do we advocate debt avoidance [though not in your case ofcourse]

 

 

but its a minefield

and sometimes its better to scratch every box of the scratchcard before you decide your a winner by doing F&F's.

 

 

getting every scrap of info is the best way

then make an informed decision upon each debt.

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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