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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Uncle Buck & First Stop Recoveries Ltd CLAIM FORM ***Claim Struck Out***


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Hi all

 

maybe in the same boat as a lot of people who have put their head in the sand :-(

 

I had a payday loan with Uncle Buck which I did not pay when due on the 30th of January 2015 for £202.43..

 

I have today received court papers for £391.43 plus the £35 court costs.

 

Is this legally allowable? Do I have any arguments here or am i up the proverbial without a paddle?

 

V v limited details in paper form but will scan these and upload when at work on Monday.

are there relevant details I should ask !st Stop and/or Uncle Buck for?

What should I do with the papers recieved from the court?

 

Any advice appreciated!

 

thanks

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I am amazed a pay day loan company now goes to court

 

They usually flog the debt to Motormouth

 

They are not a judges favourite claimant due to unethacal business practices

 

How was this £391.43 made up

 

£202.43 seems an odd sum as the original loan amount

 

Did you do a rollover??

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Hello and welcome to CAG.

 

I've moved your thread to the financial legal forum for further advice. I've left a link for you to follow from the Welcome forum.

 

Could you have a read of this forum stikky and post up the information requested please? This will help the guys to advise you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**%281-Viewing%29-nbsp

 

HB

Illegitimi non carborundum

 

 

 

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I am amazed a pay day loan company now goes to court

 

They usually flog the debt to Motormouth

 

They are not a judges favourite claimant due to unethacal business practices

 

How was this £391.43 made up

 

£202.43 seems an odd sum as the original loan amount

 

Did you do a roll over??

 

How was the 391 made up? One thing I intend to find out . I presume I send an SAR or CCA..but who to?

 

Claim details , v "brief" shall we say :-)

 

there was indeed a rollover, 1.

 

taken out 04/12/14

 

150.00 credit

total amount payable 22/12 202.43

rolled over 17/12 with due date 30/01 of 202.43

this amount was not paid by myself on this date

 

it would appear after that the charges/ interest just kept on coming :-S

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Hello and welcome to CAG.

 

I've moved your thread to the financial legal forum for further advice. I've left a link for you to follow from the Welcome forum.

 

Could you have a read of this forum stikky and post up the information requested please? This will help the guys to advise you.

 

 

 

HB

 

thanks Honeybee

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Name of the Claimant ? 1st stop recoveries Ltd

Date of issue – . 2nd Nov 2015

submit defence = 4th of December?? by 4pm

 

What is the claim for –

 

1st stop recoveries claim this amount in respect of an unpaid load funded by Uncle Buck Ltd

The defendant failed to abide by the terms of the contract.

1st Stop recoveries purchased this debt from Uncle Buck

and subsequently sent a notice of assignment to the defendant to advise the defendant

has failed to respond to any correspondance or communciation from the claimant

thus denying the claimant any opportunity in assissting the defendant in attempting to bring the matter to an amicable conclusion

 

What is the value of the claim? 391.43 + court fee = 426.43

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? payday loan

When did you enter into the original agreement before or after 2007?

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? from my memory only..no

Did you receive a Default Notice from the original creditor? from my memory only..no

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not a year...yet but no notice

Why did you cease payments? Payment difficulty

What was the date of your last payment? rolled over 17/12/2014

Was there a dispute with the original creditor that remains unresolved? no but unsure why 200 odd has gone to 390!

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? no

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please note the corrected defence filing date

 

 

have you ack'd the claim - defend all - on the mcol website yet?

 

 

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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get it done no harm in doing it now

 

 

defend all

leave juris unticked

 

 

and get a CCA request running to the claimant

£1PO leave it blank don't sign anything

 

 

and get a CPR 31:14 from the legal section of the library

running to the solicitors named - who are?

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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Dont get me wrong but couldn't one piece of defense be used, such as the below;

 

(This loan was taken AFTER the change by the FCA)

 

Martin Wheatley, the FCA's chief executive officer, said:

 

'I am confident that the new rules strike the right balance for firms and consumers. If the price cap was any lower, then we risk not having a viable market, any higher and there would not be adequate protection for borrowers.

 

'For people who struggle to repay, we believe the new rules will put an end to spiraling payday debts. For most of the borrowers who do pay back their loans on time, the cap on fees and charges represents substantial protections.'

 

The FCA published its proposals for a payday loan price cap in July. The price cap structure and levels remain unchanged following the consultation. These are:

 

Initial cost cap of 0.8% per day - Lowers the cost for most borrowers. For all high-cost short-term credit loans, interest and fees must not exceed 0.8% per day of the amount borrowed.

Fixed default fees capped at £15 - Protects borrowers struggling to repay. If borrowers do not repay their loans on time, default charges must not exceed £15. Interest on unpaid balances and default charges must not exceed the initial rate.

Total cost cap of 100% - Protects borrowers from escalating debts. Borrowers must never have to pay back more in fees and interest than the amount borrowed.

From 2 January 2015, no borrower will ever pay back more than twice what they borrowed, and someone taking out a loan for 30 days and repaying on time will not pay more than £24 in fees and charges per £100 borrowed.

 

 

Now that they have added court fees, It means its taken it above the rules set out by FCA.... Also how much did they charge for the default?

 

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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get it done no harm in doing it now

 

 

defend all

leave juris unticked

 

 

and get a CCA request running to the claimant

£1PO leave it blank don't sign anything

 

 

and get a CPR 31:14 from the legal section of the library

running to the solicitors named - who are?

 

 

Ok so first part for me as much as anyone else :-)

 

Ack done on line, disputing all

tonights job is to find the CCA template and send off to 1st Stop

 

Re comments

 

and get a CPR 31:14 from the legal section of the library

running to the solicitors named - who are?

 

what does this mean? sorry I'm being dumb DX

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CCA request

 

Then go get the CPR as advised

 

That goes to the claimants solicitors...who are?

 

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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CPR means Civil Procedure Rules - i.e. the rules upon which civil claims are based and administered in accordance with. That's my non-expert definition.

 

31.14 refers to disclosure and inspection of documents - https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part31

 

The normal advice on here is to make a request you send to the claimant for supply of documents relating to the particulars of the claim. In most of these claims, the claimant won't comply with the request and there is no legal obligation to, but it's useful to refer to the fact you've requested said documents in your defence and also later in your witness statements. It shows the claimant you mean business, but also shows the court that you've made reasonable and proactive attempts to resolve the matter.

 

Sham

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DX, no solicitors quoted , only the DCA, First Stop

 

So they are using in house litigation team.. send it to the DCA

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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done

 

so whats next on the timelines?

 

Ok, so you have sent away for documents that you need - you have acknowledged the claim online. The next thing will be your defence which you need to submit by 4th December. You have some time in hand so you might want to have a look at other threads and consider what you want to say.

 

First of all, when you took out the loan did they do any credit checks ? You appear to have rolled the loan over, was this because you were struggling financially at that time ? Did you ask to roll over or did they suggest you rolled over ?

 

This loan appears to have been taken out after the FCA put in place the new lending criteria. Did they abide by this or have they lent to you irresponsibly ?

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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I notice you say you didn't communicate that you were struggling financially - how easy does this company make it for people to contact them ?

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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Ok, so you have sent away for documents that you need - you have acknowledged the claim online. The next thing will be your defence which you need to submit by 4th December. You have some time in hand so you might want to have a look at other threads and consider what you want to say.

 

First of all, when you took out the loan did they do any credit checks ?
how can i check this?

 

You appear to have rolled the loan over, was this because you were struggling financially at that time ? Did you ask to roll over or did they suggest you rolled over ?
i was, it was just before xmas. it was an option within an email from them

 

This loan appears to have been taken out after the FCA put in place the new lending criteria. Did they abide by this or have they lent to you irresponsibly ?

will the above help this?

 

as well as the above, is it legally fair to double the amount?

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Dont get me wrong but couldn't one piece of defense be used, such as the below;

 

(This loan was taken AFTER the change by the FCA)

 

 

 

Now that they have added court fees, It means its taken it above the rules set out by FCA.... Also how much did they charge for the default?

 

 

Definitely find this interesting, the loan amount which was "rolled over was " £150 so even before court fees its over the 100% I believe

 

 

That's before I start looking as whether their lending was "responsible" ( ie Credit checks done etc)

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ok so got the documents from 1st stop in the post. Whats the best next step here guys n gals?

 

thanks

 

included in this is a notice of

  • Notice of assignment ( presume copy of original )
  • default notice ( oddly some 8 months after the payday loan was due)
  • 2 statement of accounts, which I don't quite understand both TO the same date but from different dates, with different amounts on them
  • The agreement from 04/12/2014

 

Have blanked all details ( i think , but mods feel free to shout if I havent).

 

Anyone free to take a look?

 

Have just over a week but want to get Ducks lined up for my defense.

 

thanks all!

 

Edit..default notice removed..number showing...DX..siteteam

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Have blanked all details ( i think , but mods feel free to shout if I havent).

 

Anyone free to take a look?

 

Have just over a week but want to get Ducks lined up for my defense.

 

thanks all!

 

Edit..default notice removed..number showing...DX..siteteam

 

Thanks DX, knew I'd miss something :-s

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