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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.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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experto credite and mbna debt


Simon1959
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I Have a £3500 cedit card debt with NMBA

 

a repayment plan was set in place of £20 per month which i paid every month

 

after about six months they transfered the debt to a DCA experto credite

 

They contacted me and the payments remained at £20 a month

 

after six months i have recieved a letter asking me to ring them to discuss the payment plan

 

i assume this would be to try to extract more money from me

 

i have ignored their request

now receiving a phone call per day to my mobile which i am also ignoring until i receive advice i am reluctant to speak to them again

 

 

 

Should i write to them offering to pay the same amount or just ignore and keep paying the £20 per month the calls i get dont bother me as i just listen to the ring tone and ignore

Thanks

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Just refer them to the PP you have in place and state that

your circumstances remain unchanged and so will the payment

level.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 years later...

Hi i have a credit card debt with NMBA

 

between us we agreed a suitable payment plan

,the interest was stopped and i was happily paying back the agreed amount for about 18 months

 

Then the debt was sold onto Varde

i continued paying the amount that was arranged between myself and MBNA,

 

recently i had a letter informing me that Experto credite were now the owners of the debt and nothing would change

 

i have continued to pay the original amount that was agreed too about three years ago ( now to Experto )

 

Out of the blue i recieved a phone call from them ,

this was after they phoned my mother

how they got her number i dont know

 

They asked me to do an income and expenditure form over the phone which i refused

i also demanded that they remove my mothers number from their records which they said they have

i have now recieved a letter and I/E form to fill in

 

I am not filling the form in as i dont believe they have a right to this information

 

Any advice on dealing with them would be appreciated

i am not trying to avoid paying the debt off but just wish to carry on paying at an affordable rate

Thanks

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Well continue to pay at an affordable rate... The rate you are paying.

:sigh:

 

They try it on and you are NOT Obliged to send anything. If you have been paying MBNA at the agreed rate, the new DCA cannot change this.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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About time you sent a CCA request to the fleecers

 

Varde very rarely did anything with any good debts

They were always the dodgy ones they handled

 

Old thread merged too

You should have done that 3 yes ago!!

 

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 years later...

sent CCA request to Varde who wrote back saying they were freezing the account until they located the CCA

 

I have heard nothing from them now they have sold the debt on to PRA Group

 

this is an old MBNA credit card from I think 2006

Should I send another CCA reguest to PRA

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As i said in the org thread

Vardi experto pra

All the same lot

So its not been sold on

 

Until or unless a powerless dca complies with your CCA request you

After 12+2 working days cease all payments

And ignore them

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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  • 4 weeks later...

Yep

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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  • 3 months later...

PRA are on dodgy ground. Is this MBNA to Experto/Varde to Aktive Kapital and transferred to PRA? When was it first transferred to experto?

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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All the same lot just changed name or bought out

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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Can you please update your thread please

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?390273-Capricorn-v-Aktiv-Kapital-(MBNA)-Court-Proceedings&p=4490197#post4490197

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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  • 5 weeks later...

Letter from PRA enclosing some paperwork

The letter they have sent says that they currently deem this debt unenforceable which means we are unable to take court action or further enforcement action against you to recover the outstanding balance

This does not mean that debt has been written off

If we obtain information in the future we will of course provide this to you immediately

Looks like this ones firmly out of the milking parlour

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as expected...ruddy fleecers

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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  • 3 weeks later...
  • 5 months later...

Letter from pra in reply to my CCA request  

They in there words have enclosed requested documents 

Which is laughable to say the least they have sent a statement of what they say I owed when they bought the debt and what I owe now on a  PRA  headed statement 

No paperwork from MBNA 

Sounds like custers last stand for PRA😁

 

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darn the mug didn't fall for our fleecing attempt.

 

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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