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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.
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CCJ for loan that was refused


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Safeloans have got a ccj on loan that they refused me even though dispite numerous letters and my bank providing evidence that they never paid into the account theyhave stated the loan should have been paid into. I have now had a letter today fromthem saying that they are going to apply for an attachment of earnings but if Icontact them they can offer a 40% reduction I also never even received anycourt papers before just the judgement papers I have also checked my credit files and the judgement shows. What can I do to stop them getting an attachment of earnings for a loan I did not have they want £445 for a supposed £150 loan.

Edited by steveball1966
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Get a set aside asap. Your reason would be you never received any papers to the address.

 

Safeloans are abusing the legal system. They have got a CCJ on a debt that has never existed and now have the cheek to offer a discount. You must get this set aside, and then get in contact with as many authorites as possible. Make sure you contact watchdog and the national press too.

 

You can also contact actionfraud.org.uk . Infact, i would recommend that.

 

As i said, you main focus right now should be to get that CCJ set aside.

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

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I've sent an SOS to an admin so they can give more specific advise relating to the set aside and to where complaints need to be made.

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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Prime case for damages since theyve broken the law, broken regulation, broken guidance and made a complete mockery of the court system.

 

If the OP can prove that the CCJ stopped him getting credit relating to a major item, such as a mortgage etc, or even a less major item, the damages could run into the £1000's.

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

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I believe the Durkin judgement stipulated that it was not necessary to prove any quantifiable loss or damages had occurred

 

The fact the defamation had occurred was enough to satisfy damages

 

i will need to look up Durkin to confirm though, give me 30 minutes

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The case of King v British Linen & Co dealt with the situation where there had been no specific damage. The only loss which the pursuer had occurred sustained was the loss to his credit standing. That was valued by the sheriff at £100 in 1897,

 

Had there been no finding of specific loss in this case, I would have had no hesitation in finding that an award of damages for the mere injury to credit was appropriate. In modern society credit plays a very big part in the conduct of the daily lives of a significant portion of the population. The financial services industry is constantly advertising loans, credit cards, store cards, mortgages, consolidation accounts etc.

 

To have one's credit worthiness impugned so that one is at risk of being unable to obtain credit on the grounds that he is not credit worthy is, if anything, a more significant matter for the individual than it would have been at the time of King, over a hundred years ago. Mr Beynon has submitted that a figure of £10,000 would be appropriate. The figure of £100 awarded by the sheriff and left standing by the Inner House in King v British Linen translates, according to the Office of National Statistics Publication "Focus on consumer price indices" 2008, table 5/3, to £9,975 in the year 2008. The figure of £5,500 awarded to an individual in Kpohraror v WoolwichBuilding Society 1996 4All ER 119 was not interfered with by the Court of Appeal in 1996 and, in today's figures, would be worth £8,215.

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Thanks guys I am really surprised at the quick replies Ihave had a quick look at DURKIN V DSG RETAIL LTD AND HFC BANK LTD case and will read proper tomorrow as I have to work tonight and will be replying to your help tomorrow I do not want to apply for any credit now but I do want my name cleared just in case I need to in the future. My wife said that the loan was approvedin principle the turned down due to the fact I could not provide wage slips that showed I was earning enough as I was on sick at the time I applied which was Feb 2012 .

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Get it set aside, and then DEMAND to know the account sortcode, number and name that the money was deposited in. It's then a simple case of matching up the records.

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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£80 is better than having a CCJ with no merit or reason though. Plus theres a chance the OP could issue a court claim against the company themselves.

 

THe main thing is that the CCJ MUST be set aside, as the claimant have already made it clear they will go for enforcement orders, even though the debt doesnt exist.

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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Yep. Get the claim, get the judgement, and the second judgement is handed down, go straight for enforcement orders. Pref a winding up order :)

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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First step is to download the N244 and complete...... requesting an order that the judgment be set a side and enclose a brief outline evidencing the request.Fee £80 its important to put on the application " Costs in this application"

 

Just nudge your thread if you need assistance completing the application.

 

Regards

 

Andy

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  • 2 weeks later...

Can we have an update on this? Im very interested in how they have managed this.

OP could you post proof that it was declined? Not saying i dont believe you of course, but this could be pivotal in evidence to be supplied in the case

 

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Sorry for no update I have filled in the N244 and I am waiting to get to get paid my salary this week and send off I have had a letter offering an £155 discount on a £445 demand from simpsons legal who I think are really safeloans considering they have the same address and telephone number .I will try to post the documents up at the weekend when I can have the use a scanner.

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Doesnt seem to be the case unfortunately... I will say though... They are very close together xd (CR0 & 9) Croydon?!?!?!?!

Also in the long term.... Watch this Space :)

 

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I THINK IT IS A TWO BIT COMPANY

 

Unlike using a solicitor to enforce a judgement, we do not charge by the hour and we will collect your CCJ's on a no collection, no commission basis

 

Not once do they state legal representation by a qualified solicitor

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