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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.
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    • 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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1st letter from Wescot re Mint Card Payments


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Hi

I’m hoping someone can point me (and my father) in the right direction.

 

This is the back story.

 

 

I helped my father resolve visa problems around 5 years ago whereby his APR was increased and monthly payment amounts raised – he was paying the interest only per month on his cards with one company requesting nearly 35% APR.

 

He has successfully (with the help of forum users) paid off all but one company.

We managed to negotiate “full and final” payments with all but one of them.

 

 

I believe one company tried to go with a Debt Collection Agency but we wrote to them explaining the debt was not with them but the original Visa company.

 

 

The last visa company (Mint), was offered £1500 in full and final payment around 5 years ago.

They refused. The debt was for around £3300.

He has then successfully negotiated a monthly direct debit payment of £5 (this is with the APR remaining at 0 (zero).

He is 68 years old and his income is very low.

He can only afford to pay £5 per month.

He has explained to them over the 5 years what his income and outgoings are.

His “spare” money only equates to £5.00 every month.

They have accepted this until

 

 

last month when he received a letter from Wescot.

This letter informed him that they are happy to accept the £5.00 payments per month (for now).

 

He has received a letter from Mint explaining all information regarding his account will be direct from Wescot.

However, he has then received a Mint Visa bill requesting £1555.00 be paid immediately!

This is obviously extremely worrying and I would like to know what is the best action to take.

 

Do I contact Mint for him and explain that the debt is with Mint

– no payments have been missed and their agreement of £5 per month has been broken (by them).

 

Do I make contact with Wescot and inform them that I fully understand they have paid my fathers debt.

 

I would greatly appreciate any help on this as he is looking to make contact this week if possible.

 

Thank you

Chris

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Ignore wescot. They have no legal rights.

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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Also can i ask if wescot say they are acting on behalf of mint?

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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make sure to redact any personal, but im pretty confident you can ignore their begging letters

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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wetcloths don't buy debts

it will say 'our client' XYZ [who is?}

you can ignore them totally

a dca is not a bailiffs

 

 

when was the card opened 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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Hi

 

The Mint card "contract" is around 8 or 9 years old.

I've just checked with him and he has never missed a payment with the last one coming out on the 14th July.

Its a standing order which is set up.

 

 

Cheers.

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Safe to totally ignore wetcloths

 

As you always should any dca

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 get your father to cancel the Direct Debit and pay via standing order only.

A Direct Debit's amount can be varied with no knowledge to your father until the money has left his bank account, a DCA will not care if a 68 year old man goes hungry.

 

If your father is on a low income then drop the payment to £1 per calender month, if your father has only £5 per month left spare then he is entitled to some spare money £4 per month for emergency expenditure.

Yes the DCA will start kicking and screaming threatening Court etc.etc. but a DCA shouts the loudest because they know full well that a DCA is at the bottom of the receiving pile when it comes to paying bills and creditors.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks for information - yeah, I made a slight error..he IS paying by standing order which is excellent and good you've confirmed it's the right path.

 

Looking at the posts here I think a letter is going to go to Mint and explain that if they require a recent expenditure form - it can be supplied along with the fact no payments have been missed and the agreement of paying them £5.00 per month has not been broken.

 

 

I'll maybe post on here first before I send, just to confirm I've got all the "i's" dotted and "t's" crossed.

 

 

Thanks

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done it

 

 

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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How does this sound....cheers

 

Dear Sir

 

As you are fully aware, I have received a letter from “Wescot Credit Services Ltd” (a Debt Collection Agency) – with the letter dated 8th July 2016.

The letter informs me that my account is now being “managed (?)” by this Debt Collection Agency. It also confirms that I will continue to pay my Mint (Royal Bank of Scotland) Visa bill the total sum of £5.00 (five pounds) on a monthly basis with the next payment due on the 28th July.

It also states clearly that “if” an agreement has already been setup with Royal Bank of Scotland (which it has), that I can leave all instructions for payments in place (which they are – by standing order).

 

I am fully aware of my rights and would recommend that you continue to agree to your side of our agreement and continue to accept my offer of £5.00 (five pounds) per calendar month.

 

As a 68 year old, retired man, I have little income with my only income being my state pension.

 

I am quite prepared to confirm my income and outgoings with the usual expenditure form that Mint supply every year or so.

 

What I am extremely surprised about but certainly not worried about in the slightest, is the extortionist amount that Mint (Royal Bank of Scotland) believed I could afford to pay on my July Statement. This laughable figure of £1628.17 was demanded and expected to be paid by the 22nd August 2016. I would suggest that you take a look at my agreement with your company and you will find that I have not broken any agreement and will continue to pay £5.00 (five pounds) per calendar month.

 

You are welcome to take me to court if you believe I have broken any agreement with you but I assure you that this could and would almost certainly result in any judge reducing my affordable payments to you. At present, I am actually struggling to pay your company £5.00 per month.

 

I would finally like to inform you that I will not be replying to any letter/phone call to the Debt Collection Agency (Wescot) you have so kindly appointed to “manage my account” and I would recommend you inform of that. I fully understand that a Debt Collection Agency has no legal power at all – I’ll repeat that last bit... they have no legal power at all. If Wescot Credit Services Ltd decide at any stage to enter any part of my land a cost/invoice of £1000.00 (one thousand pounds) will be charged to them directly. My so-called “debt” is with Royal Bank of Scotland and I will continue to deal directly with the contact information I have with Royal Bank of Scotland.

 

If I receive any threatening letters or phone calls from Wescot Credit Services Ltd, I will take this as harassment and court action will pursue. I would recommend to inform them of that as you obviously have direct dealing with them.

 

In conclusion I am happy (at the moment) to continue paying Mint (Royal Bank of Scotland) £5.00 (five pounds) per calendar month to pay my “debt” which at present stands at £3078.23 as of my July 28th 2016 balance.

 

Thank you

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you don't need to write any silly letter tennis to anyone

and esp the silly bit about charging them.

 

that's Freeman of the land twaddle and will certainly invoke more willy waving

 

ignore the silly letters and carry on regardless

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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as said pers I would not be sending anything

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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  • 1 year later...

Hi

It's been around a year but there's an update on my fathers account.

 

 

He received a letter from Mint on the 18th August 2017 giving him "notice" of "assignment" of the debt to Cabot Financial Limited.

 

 

This assignment was made on the 3rd July 2017 without informing my father.

The letter states that Wescot will continue to mange the account on Mints behalf.

Total debt owed £3033.23 (He has agreed to pay £5 per month - he is 70 and can only afford this).

He has missed no payment dates.

 

 

The letter states he should start paying Wescot Credit Services Limited with a new Sort Code and account number.

 

 

It states that any payments made direct to Mint will be made to Wescot on his behalf but it would be important that the changes are made asap.

 

 

My question is how do I reply to this letter.

Do I state that he does not agree with the new agreement.

His debt is wit Mint - not Wescot.

 

 

Does he state that Wescot must have paid his debt and that he now owes Mint zero ??

Any comments are greatly appreciated.

I've told him to continue paying the £5 per month to Mint until I get a reply on here.

Thank you

 

I've just noticed there is a second letter attached to this from Wescot.

It actually states that Wescot (Cabot Financial) have bought the "account" held with Mint.

 

 

It states on the letter the debt is £3018.23.

 

 

I assume they have purchased the debt - I won't be contacting them and I'll inform my father to have no dealings with them.

 

 

As someone pointed out last year,

I might inform them that he can now only afford a £1 per month !

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so the debt has been sold to a debt buyer Cabot

 

now the time to send a CCA request to cabot.

 

they have 12+2 working days to comply

should they fail

you CANCEL the SO to whomever its going too.

 

also send an sar off to Mint

get all the statements.

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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