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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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HSBC-metropolitan-hillesden-DLC-mercantile- now cabot


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Quick question.

 

If you have already had a bad debt (sorry minds gone blank on the word) on your credit file for 5 years on a debit (the 5 years is now over)

and the creditor can't find ur CCA agreement and you moved home.

 

Forgot to inform the creditor and

 

a letter from a different creditor (11of them) turns up on your door step.

 

(10 statements and one letter to say I've failed to inform them).

 

Can they issue a CCJ against my file on the same debt?

 

Also do I have to inform them I now do live at this address.

 

They asked me to contact them without further delay to confirm

 

how I propose to lay off my outstanding balance (like that's going to happen)

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If you dont inform them and they get a ccj then it is much harder to get a set aside because the claom was served at the last known good address.

 

Also cag doesnt condone debt avoidance. Can you give some background on this debt.

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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Hi. Some advise please if you can. Long story short.

 

I had a debt with HSBC (2004)

 

I defaulted and had a red tick debt on my account for 5 years (sorry my mind has gone blank and I can't think off the word)

Went to credit collectors.

I was paying monthly.

 

Suddenly out the blue I get a voicemail on phone(2008) from another creditor saying I owe them the debt.

 

I seeked advise on the consumer forum.

 

Wrote a letter to the 'new' debt collector agency asking for my CCA.

They can't find it....

Being getting statements ever since.

 

I moved home earlier this year

advised all my creditors but

forgot about the DLC as I only get a yearly statement.

 

Today I came home to 11 letters from DLC 10 statement pages and

one letter saying I've failed to inform them of my new address.

 

I must confirm this is my new address and

 

how I wish to proceed to pay the balance (yeah right -they can't find my original CCA I'm currently not paying).

 

Do I have to write back to them?

 

If I do does it show that I agree the debt is mine?

 

Can they get a CCJ on my old address on the same debt?

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Hi

not since Jan 2008.

 

When the new company voicemailed me.

as I was not sure who they were and was worried if I start paying them I could then get letters from the other company too.

 

I sent them a letter (after finding the CAG) to ask for my original CCA

and they are still looking for it.

 

I've not paid them anything since.

 

They even tried to send me a standard letter by recorded delivery to get my signature.

 

Luckily I was soon hung over the day the post man came that my BF signed for it.

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Took out loan back in 2001.

Had trouble paying it back.

2004 Defaulted.

Set up a payment agreement which was with a creditor.

Was paying back each month.

 

2008 different creditor calls me out the blue.

Since original debt 2004 I've moved 4 times.

 

Creditors/HSBC

Can't find my original CCA

Edited by dx100uk
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Ignore them. It will be sb in a month so theyre doing evertything possible to get you to pay or admit it.

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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You arent obliged to tell them that you moved. However as already advised, if they were to obtain a CCJ at the old address, then they would have served the papers correctly and unless you had another good reason for a set aside, incorrect service could not be one of them.

 

Was there any PPI on this loan or maybe charges that could reduce it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...
  • 2 months later...

Long story shorty.

Got into debt, HSBC sold loan to metropolitan I was paying them with out any issues,

suddenly I get a call from hillesden demanding money and my debt is with them.

 

I contacted consumer forum, was advise to get copy of credit agreement gone through all the letters etc..(this was 2009).

Accounts on hold until they find my original copy of credit agreement.

 

My account has since been sold to DLC- mercantile back to DLC-and

 

today back to mercantile who now asked me for to complete a customer affordability statement.

Shall I just sit back and do nothing?

Edited by dx100uk
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They did not sell the debt to Metropolitan. Metropolitan are part of the HSBC group - their inhouse collection agents.

 

Have you actually received from Hillsden group a Notice of Assignment ?

 

If there was already an agreement for a reduced payment plan in place with HSBC/Met Collect then Hillsden are obliged to continue with that plan.

 

Have a read of the following.

 

http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks.

I'm going back 5years now so all I can remember is that they wanted more for my monthly payments.

I started a thread on this site but it be 5 years ago and on an old email address.

 

All I've was receiving from hillesden was a letter to say they are following up my request for original documentation with HSBC, my accounts on hold and further action been suspended in anticipation of receiving the doc required.

 

I Was getting this (or a letter as similar, from February 2009 until nov 2010) then DLC letters March 2011, then hillesden letter may and June 2011.

 

Then DLC sept 2011,

mercantile dec 2011 (settlement letter£694 to pay off £2776 ) DLC March 2012,

DLC statement Acc dec2012, dec 2013,jan 2014, 20 February

14april 14- letter advising my accounts going to mercantile mercantile may 14

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  • 4 years later...

Long story short.

HSBC loan 2001

-went into repayment with debt collector 2005

-get call from a different debt collector collector 2007

- I question the debt and contact CAG

-asked for original application signed by me

- account went to statute barred.

Not heard a thing for around 6 + years.

 

Today letter from Cabot/ruthbridge saying we have not come to a mutual agreement.

Never heard of them in the past.

My account as far as I’m aware is status barred.

Am I right?

Edited by dx100uk
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4 threads merged for complete history

 

the debt is now statute barred

 

send then our statute barred letter from the debt collection section of our library

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well under the new FCA conc rules they should then crease all comms

if you've not officially written informing them of your correct address then even if its SB theres nothing to stop them getting a CCJ using an old address.

 

the days of ignoring debt and then hoping it gets to SB ended years ago.

unless they are told its statute barred

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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