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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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Refused Transfer of Equity based on affordability.


Col_J
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Hi, hoping someone can help me here because I’m rapidly beginning to loose the plot!!I purchased a house with my ex just over 2 years ago, at the time we only earned around 30k between us, however they accepted no problems at all. I sold a previous property to lay down a 25% deposit and pay the fees etc. We split up after only around 6 months in the house, the ex agreed it was my house and as soon as possible I would do a transfer of equity and release her off the mortgage so we could both get on our separate ways. A further 6 months or so down the line I got a huge pay rise & currently earn double our combined income at time of accepting the mortgage. Should be simple enough to arrange a transfer of equity you'd think. Applied to Alliance & Leicester to go solo, sent off pay slips etc & waited about a month to be declined on affordability!! Now I had some credit cards and a car loan so I thought maybe if I clear all that and try again ive got to be accepted!! Sold the car, bought a cheap one cash, happily cleared the loan (15k) which was with Santander that took A&L over (that made me feel good, i'll never do business with them again and urge anyone to steer clear!!) cleared every card I had and cancelled the accounts. I was now in a position where I had no debt & my mortgage only 16% my net pay. Applied again, waited.........declined AGAIN only stating affordability.I phoned up to ask some questions, to be informed by a very sympathetic and embarrassed sounding customer service advisor who told me that he was really sorry and sympathysed with me but he couldn’t discuss with me why I cant afford this mortgage and that it was calculated by the under writer dept who is a non telephone dept!!!!!!!!! I asked if they could then at least give me an indication of what they deemed affordable as I have some savings I can bump into the mortgage to shrink the loan but they couldn’t tell me that either.I’ve applied once more since then and again been refused, they state they will allow me to do a transfer of title keeping my ex on the mortgage however she quite rightly refuses to comply with this. I’m at my wits end here, this is causing me stress and sleepless nights. I’m now in a new relationship, got a baby on the way & will be wanting to move house in the next 12 months. Does anyone have any help or advice they can give me short of arriving at A&L HQ & windmilling their staff??

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This could be the type of job you are in ie the security of employment and not necessarily the amount of salary you are bringing in. I think Santander would like to be assured that you will be able to maintain the mortgage repayments until completion and not just 'afford' them before they will allow her to be released from the mortgage.

 

That is just my thinking and I might be way out.

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Possibly could be a factor, however Im salaried and working within the oil/gas sector for a household name oil company. I'd like to think of my job as being as being more secure than most.

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  • 3 months later...

Hi Col_J, I angers me to say that I am in an almost identical situation. I too am trying to get through the ToE process with A&L/Santander and have had to speak an endless line of call centre staff that are unable to give me any usefull guidance. The best I got from them today was advice to appeal the refusal and state the reasons why I believed that I should be allowed to continue on the current product alone based on any change to my circumstances. I.e. Payrise, plans to pay any lump sum off the capital to reduce the debt etc.I am posting on here on your thread in the hope that you might have made some progress with A/L and may be able to offer some friendly advice on how I might challenge them.

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Hi, forgot all about this until getting an email prompt. I eventually managed to get them to agree to TOE on my 5th attempt of applying. It's actually in the hands of the solicitors right now still going through. In the end I got a letter asking me to forward a break down of my cost of living to cover all monthly expenditure and after that to my relief they accepted. I was almost just about at the end of the fixed term product I was tied to so not sure if that was a factor. Still it's taken 2 full years to sort out which is quite unbelievable.

 

My loan during the whole time of applying for sole name was around 2x my annual salary so god knows why I was refused over and over.

 

I never actually done anything different each time I tried.

 

Just keep trying I'd say. If you need a quick end to it then seriously consider having a friend or family member be added as a name in ace of the ex otherwise you could end up going round in circles for several years like me.

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