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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mortgage Shortfall - important new decision


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A County Court Judge in Warrington has ruled that the Alliance and Leicester could not succeed in their claim for an £20,000 shortfall from when the property was sold in 2002.

 

His Honour Judge Platts upheld a District Judge’s decision that the bank’s claim was an abuse of process and should be dismissed.

 

Back in 2001 the Court gave Alliance & Leicester a possession order and a judgment for the amounts due under the mortgage. The bank sold the property in 2002, but the sale did not raise sufficient funds to repay the mortgage in full, leaving a £20,000 shortfall.

 

Earlier this year, the bank brought a county court claim for the balance.

 

At a hearing in August, the District Judge threw out the bank's claim. The bank appealed.

 

Dismissing the bank’s request for permission to appeal, Judge Platts said that it was an abuse of process for the bank to bring a claim now when it already held a judgment for the mortgage debt.

 

“This decision will affect many cases all over the country” explained Nick Davis of Albinson Napier & Co, solicitor for Mrs Reynolds. “Banks often wait for many years before suing for a shortfall. Not all lenders asked for judgments when they obtained a possession order, but those who did will find that they cannot now bring a new court claim for any shortfall following sale of the property.”

 

The problem the banks face is that many of the original judgments are more than six years old, and therefore are very difficult to enforce.

 

 

 

Case details:

 

Alliance & Leicester Plc v Reynolds

 

Warrington County Court 14 November 2008.

 

 

 

Edited by citizenB
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  • 2 weeks later...

Sorry, just a question for the legal buffs. In a scenario where a house is repossessed 2 years ago and judgment is awarded the same time as repossession, does that mean that a DCA acting on behalf of a lender has no further legal recourse to chase the debt ie Threaten court action etc. These are my own circumstances and the letter received today gives 14 days to repay the debt. they go on to threaten legal action if no reasonable settlement proposals are forthcoming. This is a "real" debt and I intend to pay it, although I disagree with the figure they are stating. It would be nice to know if I can use this decision to my advantage

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In my opinion the lender can't start new court action for the outstanding sums. What it can do is commence enforcement proceedings for the judgment it has already obtained.

 

As to the figures, the judgment crystallised the amount due at the date of the judgment.

 

This will make a difference because the effect of County Courts (Interest on Judgment Debts) Order 1991 :

1. rate of interest will be simple interest at 8%

2. payments come off capital first.

 

so amount due is:

amount of judgment debt

PLUS interest at 8% from judgment until sale

LESS net proceeds of sale

PLUS interest on (judgment debt less net proceeds) from date of sale to now at 8%

 

 

Hope this helps.

Nick

 

Sorry, just a question for the legal buffs. In a scenario where a house is repossessed 2 years ago and judgment is awarded the same time as repossession, does that mean that a DCA acting on behalf of a lender has no further legal recourse to chase the debt ie Threaten court action etc. These are my own circumstances and the letter received today gives 14 days to repay the debt. they go on to threaten legal action if no reasonable settlement proposals are forthcoming. This is a "real" debt and I intend to pay it, although I disagree with the figure they are stating. It would be nice to know if I can use this decision to my advantage
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This will make a difference because the effect of County Courts (Interest on Judgment Debts) Order 1991 :

1. rate of interest will be simple interest at 8%

2. payments come off capital first.

 

so amount due is:

amount of judgment debt

PLUS interest at 8% from judgment until sale

LESS net proceeds of sale

PLUS interest on (judgment debt less net proceeds) from date of sale to now at 8%

 

Hi Nick,

 

just a question on the above. I thought it was up to the lenders how they applied the net proceeds of sale. In my mates case they state that it was applied to the interest first and then the capital.

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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If there was a Judgment then my view is that this crystallises the debt and the statutory provisions apply, so the lender cannot apply to interest first.

 

Hi Nick,

 

just a question on the above. I thought it was up to the lenders how they applied the net proceeds of sale. In my mates case they state that it was applied to the interest first and then the capital.

 

Jody

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Thanks for finding the transcript citizenb. :-)

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