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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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Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'


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Hi everyone at CAG

 

I received a claim form from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd

 

the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998,

 

I took the claim form to the CAB on 4th November to help me,

the CAB contacted the court and was told no judgement had been made yet by Dryden’s,

 

CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment,

but I said all correspondence must be done only by letter,

 

the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor,

she came back on the phone and said they were pushing the CCJ through to which CAB was surprised,

I received a CCJ a week later.

 

I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008

and asked to pay less and agreed a plan with them,

 

I fell into more difficulties and asked to make a lower payment

 

I was told by Sainsbury’s my debt was being passed to a debt collection service,

 

I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency.

 

I cannot remember receiving a default letter at all, but I was moving around a lot,

 

I set up payment plans with debt collection agencies when they had contacted me.

 

I found out my debt had been sold on a couple of times,

I made most of my payments by debit card,

some payments were made at banks across the counter,

two payments were missing on the statement I saw (because yet again my debt had been sold to another agency)

I have one receipt I found.

 

I stopped paying because I fell ill and was trying to claim benefits and

the lovely pips (which I got a year later), I do think I paid ppi in the early part off having a credit card with Sainsbury’s.

 

Any advice would be much welcomed please.

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so you got a CCJ by default because you did not defend it.?

 

bad advice from CAB there if its true.

 

when did you get the judgement through then?

 

if the claimform was dated 4th Nov.

 

I doubt it been adjudged yet [33 days]

 

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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ah sorry 10th October claimform

and you admitted the debt

so you would have gotten an automatic CCJ

 

so what is you issue now please?

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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ah sorry 10th October claimform

and you admitted the debt

so you would have gotten an automatic CCJ

 

so what is you issue now please?

 

Hi there so so sorry I for got to put a bullet point,

 

If I was to fill a sar out who do I send it to,

 

Sainsbury's bank or drydens fairfax or arrow.

 

Would a sar be the right form to start with.

 

Yes i do owe the money, but Considering I kept up payments since 1998 till 2008

I explained to Sainsbury's my dad died in 2007 and left a boat for me to look after which was his home,

so I had a mortgage and moorings and the credit crunch to compete with,

I expected to be treated better.

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sar would goto sainbury's

however that'll only be useful if theres stuff to reclaim

like penalty charges and/or PPI?

 

not sure if theres anything you can do about the CCJ mind.

 

you admitted the debt.

 

its typical that if the OC sold a debt on

theres stuff to reclaim

or theres dodgy or no paperwork flying around

 

but now the CCJ is in-place that trumps any paperwork issue

 

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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  • 2 weeks later...

hi

dx100uk many thanks for your advice, so sorry for taking so long to get back, you said about CAB being bad advice from CAB (bad advice from CAB there if its true) what did you mean by that, I thought it was a good place for advice.

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cab should have advised defending the claim regardless

 

 

never mind.

 

 

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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hi dx

that's what i thought, why i put the post up just show what i did, i only mainly wanted to have a witness as well making the call and relay a message to use letter only . dx the help you and rest of your friends do, Is unbelievable and i cannot ever thank you enough, (to me you are the jedis :-) have a good crimbo and new year.

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  • 1 year later...

Hi there

i have had a credit card with sainsburys since 1999, kept up a good payment record for many years till 2008 when i fell into debt through ill health and my dad passing away and leaving no will and i ended up trying to sell his boat and keep a mortage going,

 

I agreed with Sainsburys to reduce my payments and then Sainsburys passed my debt to a few credit agencys and i kept payments up till Drydens Fairfax solicitors took over the debt and issued a CCJ.

 

who do i issue a SARS too to find out about my credit card and payments i had made to and any information ie;credit agreements, payments etc.

many thanks leon

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Do you have any written evidence of the agreement that you made with Sainsbury's. How long did you keep paying the instalments to Dryden's?

 

You say that they issued a CCJ. They send your claim form? Did you defend? Did you know about the case? Has there been any attempt to make any enforcement?

 

Also, you've given us actually no details of the value of this judgement against you

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Old and new threads merged

Please keep to one thread

 

Sar goes to the original creditor

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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Hi there bank fodder

 

it was 1998 i took the card out,

 

I don't have a written agreement with sainsburys or ever having one with them,

 

my debt £4,308.75 was sent to Arrow Global Limited from Wescot Credit Services who i was paying monthly installments to,

 

 

Arrow Global Limited wanted me to set up a payment plan with them,

 

I did explain by phone i have no money at all as i had put a claim in for ESA and PIPS and i had no income,

 

Arrow Global Limited sent my file to Drydensfairfax sent me 2 letters asking me to contact to sort out a payment plan ,

 

I got a county court letter from Drydens with a income defend form etc,

 

I took the forms to the CAB and they contacted them and explained my problem they wanted to speak to me on the phone and i pointed out i would rather do it by letter,

 

we heard the gentleman say he will carry on with the CCJ and the line went dead.

 

With their costs on top it comes to £4,495.75 no enforcement has been made yet.

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so get that sar running!

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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  • 2 months later...

hi again

 

i issued a SARS to sainsburys credit card and got it back,

 

i went through all the statements and have paid just over £9000 in interest and late payments and over credit limit on £4200,

 

of the late payments 18 of them are £25 charge

then they were dropped to £12,

 

would i be able to claim them back against the outstanding debt,

 

which means the figure they took me to court and got a ccj for is not the true figure,

I have a photocopy they sent me showing the the applacation form i filled out in 1999.

 

On the credit agreement they sent it shows they charge £12 for late/over credit one late payment fee put me over the credit limit so got charged another £25.

 

And above all guys you have educated me and your site has given me lots of help through some very dark times in my head...

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This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

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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Hi

I'am working out the fees that sainsburys credit card charges, what charges would i be requesting for ; I have 53x£1.50 + 8x£3.00 cash handling charges

40x£12.00 + 18.00x£25.00 late payment/over credit limit fees and a few other amounts that vary......

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are you using the CISHEET ??

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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post 16

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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you need to use a compound int spreadsheet

that's the one you should be using...

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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