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    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • 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.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How long will name be 'black-listed'?


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Hello! Just wanted to check this out. Husband has loan with A&L & for first time ever, did not take out payment insurance. In 2005, out of the blue, husband was rushed into hospital for emergency op - no previous illness & totally unexpected. Following a further op, eventually went back to work 13 months later. During this period he had an arrangement with A&L to make reduced monthly payments which he made religiously. On returning to work he resumed normal payments with an arrangement to pay an extra amount each month to pay off the arrears accrued whilst paying the reduced payments. Again, he has paid this as agreed, every month on the dot. In the meantime, his credit card co. slashed his credit limit, his bank will not give him an overdraft - despite having had one for the last 25 years! - & we cannot even take advantage of special offers with cable tv which would reduce the amount we currently pay! All have said they can't do anything because of credit ref. so got copy of credit report & despite paying A&L as agreed, they have 'black listed' him. This seems very harsh considering the circumstances. If I borrowed money to pay off the amount of arrears remaining, would this then be removed from his credit rating? Or will it stay there for a certain period? He has always paid everything properly until this episode & it seems unfair that he is now penalised so much for an unexpected but genuine health problem which he has now completely recovered from. Any advice?

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There is no such thing as a 'black list'

 

What exactly is on the credit file?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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What do you mean by "black listed" him? Have A&L put a default on his CR file? or have they marked it as "reduced payments"?

No one can make you feel inferior without your consent :)

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Barracad is quite right - there is no such thing as a 'blacklist - your OHs cred ref file is simply a factual history of his credit agreements; any missed or reduced payments will be shown and A & L may still have issued a defsault notice as even with agreed reduced payments he would still have been in breach of the original agreement he signed.

 

Any adverse credit stays on his file for 6 years and only false or inaccurate information can be removed ( be wary of 'credit repair' companies who offer to remove defaults etc ).

 

It is possible to add a Notice of Correction to the file but there are differing opinions as to how weffective this actually is - it's a statement of up to 200 words which you can add to your cred ref file to explain a particular entry ( e.g. your OH could detail why he fell behind 7 the fact he kept up with the arrangement since 7 is now paying in full plus arrears ).

 

The idea ( I think ) is that while a computer is usually used by lenders to scan cred ref files they cna'tdo this with a Notice of Correction so any application would be looked at by a person. As I mentioned above there are different viewpoints as to how much this happens in practice but I'm not here to give an opinion on this just the facts!

 

Best of luck :)

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  • 2 weeks later...

Hello again! Thank you for your very helpful reply, Powelll, & sorry for not having replied sooner. I will be looking into things further & will have a think about whether to add a 'Notice of Correction'. Kind regards & thanks again. :)

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There is no such thing as a 'black list'

 

What exactly is on the credit file?

 

Are you sure? I am fairly certain properties (but not people) can be blacklisted - I've encountered this at least three times. It's possible the address has been blacklisted.

"Why CCJ when you can CCA!"

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