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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.

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PPI claim against DAF/YES CAR/Provident


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Hi I am looking into if anyone has been repaid PPI from Yes Car Credit / DAFS when they took out a car loan before 2005.

 

Any help please

 

I think I have a fight as I have been battling this for 12 years because I have been ill

 

So any help would be great thank you.

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https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Yes+Car+Credit+/+DAFS+&sa=Search+CAG#gsc.tab=0&gsc.q=Yes%20Car%20Credit%20%2F%20DAF

 

 

if you have been battling this for 12 yrs

why were you refused back then

and how did you do the reclaim?

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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I was told that I couldn't have a refund by the FOS as DAFS were not registered

 

I tried to look through the contract and see where I could go and then the threats came from Bailiffs for me to pay the insurance

 

I had a breakdown and became really ill and depressed

paid the insurance in one go and it got left for ages.

 

now I am trying to sort it but it is making 'll again

 

I feel I have a bit more evidence to prove they under handedly got us to agree to the insurances etc

 

just need someone to just check It is a way I can go.

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bailiffs? insurance?

 

 

you don't mean a DCA threat-o-gram do you?

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...

ok so you got spoofed into paying it as you wrongly though a DCA is a bailiff

when they are not

they don't have any legal powers whatsoever.

 

so back to the questions.

 

I think you need to send daf and sar and get all the paperwork.

and scan up what letters you have sent and received to date

ito ONE multipage PDF file

so we can read the whole story.

 

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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  • 3 months later...

Hi sorry been a while

 

I have received a cd from DAFS which apparently contains all paperwork from original documents but

The password they gave me doesn't work.

 

I was wondering if anyone has DAFS number as I asked for an email but they diner

Have one which for a company I find a load of bull crap.

 

I'm so close but really need to get into my file

 

Before I can plan my next step.

 

So if anyone has a number it would be

Most appreciated if anyone has.

 

Thank you.

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the files are a zip file are they not?

 

 

you need to copy them to your computer

THEN use the password on those copies

you cant expand a zip file to a CD as its write only

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

Brilliant thank you

just been through it all and there are a lot of Descrepencies on our signatures and no actual Policies Ref numbers

 

For The PPI or BC and on one sheet it actually says

did you understand the what the person selling you the car had told you And it blatantly says no.

 

 

Just thinking where to go from

 

Here now Sick of it all the bull crap doing my head in.😔

 

Making me ill.

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get scanning to ONE MULTIPAGE PDF suitably redacted 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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we need to see the sar?

if you want help with it

UPLOAD

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

  • 2 months later...

Hi

I am also having a battle with DAFS and got to the stage where I can't think of what way to turn now.

 

I received a SARS request and got things I never signed

just look like they written on plain paper for some

 

the main thing I am disputing is that how they got me to sign into an agreement when I was not employed

I was told that we wouldn't get the credit if I didn't sign

 

the PPI I told them they had deceived me into the contract as there is No way I could have been accepted as a second customer as I had no credentials to be able to sign into a legal agreement

then they came after me for the debt making me ill

 

I am trying to see where to go now as I know they have done wrong

I just don't have the legal know how to get them

they did this to me

 

I was going to go to WATCHDOG

but would I get any compensation for what they have done to me with the deceitful Practices

PLEASE HELP!!!

 

at the end of my Mental state ��

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keep to your own thread woody

and if you answer the questions that people have asked you p'haps they will help you further!!

 

 

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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Share on other sites

click his blue username

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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  • 8 months later...

I’m taking Direct Auto Financial Services to Court Their Solicitor Irwin Mitchell states in their reply they will be defending my claim. Has anyone else taken DAFS to court? What did they do? Any help thanks

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Start your own thread woody

 

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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posts moved to your existing thread

so you've issued an N1??

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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