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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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      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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Creation finance


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Hi - firstly brilliant website with most amazing advice,

has helped me out over the years but this is a new one which hopefully you can help me with.

 

If I am being harassed by phonecalls (over 4/day even when I speak to someone and say I have already spoken to someone an hour previously)

do I have to go through their "security" before they can stop the phone calls.

 

I got a fridge on finance and

 

 

about 6 months ago there was problem with my bank account and all my direct debit went funny

so have been paying my monthly payment which is £27.04 and I have been paying £30,

but because they cannot draw on the direct debit they contacted me.

 

 

As I only have 3 months left on my agreement I don't see why I should set up a direct debit seeing as I am paying by standing order.

 

 

They are after me for some charges on my account for +/-£46 which I think are very high especially as I have been making payment.

 

 

When I spoke to them I told them I could not pay the charges via debit card (which is what they were phoning me for)

they kept on saying could I just make a small payment or token payment on the £46 even a £1 would be ok???

 

 

Firstly I don't see why I have been charged but will ask for details and

secondly I am scared to give them my card details in case they use for more payments.

 

 

That was last week but

this week the calls have started

I keep saying I have spoken to someone and could they stop calling but

they say they cannot do this until I have gone through security with them.

 

 

I have been ill in bed for the last 2 days so feel rubbish and do not want to sit and go through security I just want them to stop calling.

 

PLEASE HELP - I want get over my flu in peace!!!

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WHO? Is phoning you?

 

When they ring, laugh and hang up, or tell them ''everything in writing'' and hang up.

 

Keep a diary of events too.

If they persist, you could send them http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-**Update-21st-April-2014**

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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theres no legal remit that you must pay any penalty charges.

 

 

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 - thanks for your reply

- its Creation who keep on phoning me and

 

 

when I ask them to contact me in writing they say they cannot as I have not gone through security questions with them.

 

 

I am not going to go through security questions everytime they phone which can be up to 4 or 5 times.

 

 

So can I get them to stop calling by telling them without doing the security bit???

 

Hi dx - thanks for that,

 

 

I am querying the fees as they seem very high but that is what they are calling about

 

 

, its not my monthly payments its their charges they want paid.

 

 

Even asking for £1 token payment via debit or credit card!!!

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please stop playing their silly games

 

 

phone rings - creation

hello writing only thank you

put the phone down.

 

 

have you got all you statements from them?

 

 

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 - thats what I do I tell them I have spoken to someone from Creation about an hour ago and please can they write, but they still keep phone which is 4/5 times a day. Yes have all my statements. Only got 3 months left to pay!!! Their argument is that they cannot take anything I say as I have not gone through their security questions.

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three words in writing only.

 

 

get those charges back the fees

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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Share on other sites

Keep a diary of events with a view of reporting them to the police for the criminal offence of harassment.

 

Personally and IMO, if you're paying them 30£ a month then ignore the fools, absolutely zero they can do, ans as for their penalty charges, you won't be paying those either.

 

The link to the telephone harassment letter is in my first post #2, send them that, get proof of posting, which is free from the PO counter.

 

Don't speak to the telephone jockey any more, just laugh and laugh and laugh, even better, get a copy of the 'Laughing Policeman' and when they ring, just say, Hang on I'll just get them, place down the handset next to a speaker and press play, walk away and go and do something more interesting like watching paint dry.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Having dealt with a complain with Creation since January with the same issues as you, I used this to get them to pay me

 

 

1. Start a formal complaint

2. Wait 56 days escalate it to official

3. Claim compo for letters and calls (you must record these)

4. Send draft letters to Creation that your formal complaint to the FCA/FOS is ready to sent to the bodies, I included them in my final letter to Creation within a week I was told that they will issue a payment as a final resolution.

5. Get a pay out

 

 

The reason that they are claiming fees and anything to do with a direct debit is that there systems are antiquated and out of date, I did actually say this to them.

It took them nearly 4 months to resolve my complaints and the result was a nice cheque in the post (substantial) BTW.

 

 

If Creation have charged you a fee reclaim it. Use the system error they have as a reason for you claiming the fees back. If you read the T&C's properly then you will see they cannot charge you ANY fees as long as the payment is recived by them by the due date, you will need to allow at least 7 days to make sure the payment is received by them before the due date end of.

 

 

Ps I will never use them again

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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  • 4 weeks later...

Since my last post on this thread just an update to the OP

 

 

Creation have finally caved in and given compensation to the agreement holder. The compo was in the 3 figure mark, this was for harassment and misrepresentation of the T&C's. This took just 3 months of calls emails and letters.

 

 

To forcefully pursue the complaint a MCOL was created in the end, but NOT completed. the result was for creation to complete and pay out within 7 days. So it is worth while pursing a complaint even to the bitter end..

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Hi - thats brilliant news.

 

 

My payments have been made a few days late as am doing them via standing order and not direct debit which is why they are putting charges on.

 

 

Got a letter a while back to say that they were charging me 100 for referring my account to a debt management agency.

 

 

Calls are still ongoing,

 

 

Can I ask a bit favour if you can would you let me have a copy of their T&C/credit agreement as I cannot find my original one.

Kind regards

Sharon

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they cant do anything of the sort

 

 

how old is this 'debt'

 

 

is it on your credit file?

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 you certainly do not have to pay any penalty fees nor debt management fees

 

 

end of.

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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