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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.
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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.   
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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.

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Ill health and credit card debts


Guest Another Spartacus
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Guest Another Spartacus

Hi and thanks for taking the time to read this.

 

I have been off sick from work for quite a while now with a chronic illness.

 

I have continued to pay a little above the minimum payments on my 2 credit cards but as of November HR have written to me to say that my 1/2 pay will run out and I will be on about £800 a month worse off. There is absolutely no way that I can pay the CC debts which amount to roughly 17K, I will just be able to pay my priority debts eg, bills food etc.

The FOS are at the moment looking into PPI miss selling on said credit cards as I have been too ill to do battle myself, I also SAR'd them in July of this year

 

Because of the nature of my illness, the company that I work for are looking into ill health retirement for me (which to be honest is most welcome), I also have been awarded DLA for the next two years

 

I would be so grateful if anyone could advise me what to do next.

 

Thankyou so much x

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Hi Another Spartacus.

As no one has yet managed to help you or advise you yet i will try till someone with more experience arrives.

As your circumstances are going to change so drastically in November i would perhaps prepare to send letters to your credit card issuers explaining your position and offering token payments.

You are right that priority debts must come first from this time.There are many kinds of letters to send to them.

I am hopefull that they will understand your position and accept your offers if you go down this route.

I would be delighted to help you put them together to send if you want.

Have you got a mortgage.

I am sorry to hear of your illness and hope that together people on the CAG will help ease your worries about your debts.

And also if you feel like it maybe make a appointment with your local CAB.

Looking forward to hearing from you Tawnyowl.

Edited by tawnyowl
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Guest Another Spartacus

Hi Tawnyowl and thank you so much for responding. I have made a start today and used one of the spreadsheets on here to calculate what I can pay pro rata. Tomorrow I will draft templates, courtesy of CAG, and write to my creditors. Do you think I should use a CCCS type organisations to help?

 

I will keep you posted.

 

Thanks again for replyng x

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Hi Another Spartacus

Sounds to me you are on your way to easing your worries already by planning and writing to your creditors.

You,if you feel like it could involve other organisations.

But it seems to me you are doing fine as it is.

Maybe wait for the replies.

If some do not want to play ball we will have to try harder.

But your position in November to any reasonable person or organisation speaks for itself and they should understand.

But CCCS or CAB if you feel you would like them to help you,why not.

The more on board the better.

I will keep a sharp eye on your thread and look out for your posts.

And try not to worry many will support you and help you.

Best wishes Tawnyowl.

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Guest Another Spartacus

I received my wage slip today and still got my regular salary? I phoned HR to say you overpaid me and I was informed that the reductions in salary wont start till December, they got it wrong, wrong date on letter, sorry!:whoo:

So I have at least a month to sort out my letters to creditors..........phew!

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Hi Another Spartacus

That is good news.It will give you plenty of time to sort out the letters.

Would of been nice to have received Decembers full salary as well.

To carry you nicely through Christmas.Perhaps that is to much to hope for.

Very honest of you to phone HR to say you have overpaid me.

And what a nice surprise to find out about the mistake in dates.

I bet you were shaking making that call.

Will keep checking for your posts to keep up with your latest news.

Best wishes and wishing you good luck.Tawnyowl.

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  • 10 months later...
Guest Another Spartacus

An update and goodness me it's been almost a year.

 

Of the two credit cards they both accepted my offers of 25% of minimum payment for six month periods. Barclaycard have renewed this payment for a further 6 months with no problems.

 

Even though I have continued to pay my second creditor MBNA, every month without failure to do so they have now sold my debt to another companay, Aktiv Kapita.

 

To say that I am shocked is an understatement. I find it hard to believe having read some posts on cag re other peoples debts and how they have made little or no payments that they have still not had their debts sold on.

 

I must just be unlukey I guess.

 

I was finished by my employer and the small lump sum that I received is being used to pay the debts and living expenses.

 

I am now in the support group of ESA and receive approx £105.00 per week and my elderly mum who lives with me is paying the bulk of the household bills now.

 

Should I now just be offering a token payment of £1 to these creditors.

 

Thanks for any replies

Edited by Another Spartacus
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Hi Another Spartacus

Thanks for the update and yes time passes quickly.

Barclaycard renewed your payment of 25% for a further 6 months.Fair enough.

MBNA sold the debt even though you paid them every month.Was this at a reduced payment.

As its now been sold to Aktiv Kapital i suppose it will not make any difference anyway.

Nothing shocks many of us on here with banks and DCAs.

Many of us have been through similar things and still are.

I went Bankrupt three years ago and still DCAs buy my old debts from time to time and chase me.

I have learnt through the Forums how to deal with this situation.They lose.

I never talk to them on the phone even though sometimes they have crafty ways of contacting you.

Enough of my situation.I am concerned for yours.

I should imagine that the small lump sum you received that has been used to pay debts and help with living expenses has gone now or very little left.

As your income is now only 105.00 A Week and you live with your elderly mum who is paying the bulk of the household bills.

Should you be paying token payments.

I would say yes, yes, and double yes.

In fact i have another few ideas to try out with your creditors which i will mention later.

I have just been reading about ESA

You are in the support group of ESA Which just in case anyone wants to know more is explained below.

Please correct me if i am wrong in any way.

http://www.turn2us.org.uk/information__resources/benefits/illness,_injury_and_disability/esa.aspx

 

What is ESA: support group?

 

The ESA support group is for people who are judged to be unable to work or even to attend interviews intended to help sick and disabled people move into work. Claimants in the support group get slightly more money than ESA claimants in the work-related activity group.

Maybe Another Spartacus if you are not expecting your circumstances to change in the future maybe asking your creditors to write off these debts may be worth a try before even offering token payments.

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

Further to our recent letter, we enclose a copy of our Personal Budget sheet which gives details of our present financial circumstances.

 

As you can see our outgoings are more than our income and we are experiencing extreme financial hardship. We would be very grateful if you would consider writing off the outstanding debt owing. We have always taken very seriously our financial responsibilities but unfortunately our circumstances are so bad that we cannot realistically maintain payments of any kind.

 

Please take the following special information into account when making your decision.

Paragraph outlining the special circumstances you have that you want the creditor to take into account.

 

As you can see our situation is very unlikely to improve in the future, and our continued high debt level may have a serious effect on our physical and mental wellbeing. We would therefore be grateful if you would seriously consider our request for the debt to be written off.

 

We would appreciate any help you can give us.

 

Yours faithfully

Mr A N Other

 

If your outgoings are more than your ingoings which they surely are approaching must be worth a try.

Just alter the letter slightly to fit your circumstances if you feel it is worth a try.

There is even a letter to send if they refuse.

Another Sparticus,i am no expert and the CAB or similar may be worth a try if things become to difficult.

But your circumstances have changed so much hopefully they may help.May being a hopeful word.But he or she who dares may win.

Hope i have helped slightly in your difficult times.

And i will keep a eye on your thread hoping things work out for the better.

You have done very well making any payments at all.

Bye for now.

Tawnyowl.

Edited by tawnyowl
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  • 1 month later...
Guest Another Spartacus

Thank you so much for replying Tawnyowl it really is much appreciated.

 

Yes the amount of lump sum that I received has reduced somewhat. It has reduced now to well under the 16k threshold so that I can now apply for income related benefits but that's for another thread.

 

Further to surgery last month I have been a little under the weather to cope with writing to my creditors or contacting CAB etc for assistance.

 

I'm going to wait intill early in the new year to contact my creditors with updated information and maybe as you suggested ask them to consider writing off the debts. The latter option scares me to death to be honest.

 

I'm very concerned that as mum and I are joint owners of our home that I may put it at risk if I pursue this course and I would hate to have to sell our home that my late father worked so hard for.

 

I was thinking of offering a full and final settlement by using some of the lump sum to pay my creditors.

 

From what I have read though, the problem there would be that DWP would see it as reducing my capital to gain additional benefits.

 

Of course mum would be more than happy for me to use some of her capital (she has less than 8k) to make an offer for full and final settlement.

 

Talk about catch 22

 

AnotherSpartacus. xx

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