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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mobile Phone Contracts & Consumer Credit Agreements


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So... We have recently had a case come up where a DCA was stating that a Mobile Phone Contract was part of the Consumer Credit Act of 1974. This raised a few questions so we'd like to clarify this stance.

 

Currently - No Mobile Contract is subject to a Consumer Credit Agreement however they are exceptions to this rule and it is not always clear.

 

When taking out a contract it can be done in one of 2 ways and this is becoming a focus of some companies.

 

1 - The contract is purely a service agreement and the customer is expected to pay the monthly rental of the contract for the prescribed terms before being released from said contract. This is known as a "Service Agreement" with a "Free Gifted Handset" that is factored into the final cost.

 

2 - The contract is split between 2 agreements - 1 x Service Agreement for Airtime only (Calls, Texts & Data etc) and 1 x CCA for a Mobile Phone Handset / Tablet Device - "Device Plan" - Your monthly bill is 2 separate costs which form the "Monthly" tariff you pay which would equate to the "Service Agreement" Option above.

 

This provides a lot of flexibility allowing customers to upgrade early and their tariff automatically reduces after paying off the handset device cost on its own to the airtime agreement. Useful if after 24 months you want to keep the same tariff and dont have to adjust the tariff to get the best deal.

 

We could do with some help from you.

 

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Which companies do these?

 

Currently we know of 3 companies

 

O2 / Telefonica

Virgin Mobile

Tesco Mobile

 

---------------------------------------------------------------------------

 

They all operate their own Terms and Conditions for said contracts which vary across revisions etc

 

Virgin Mobiles - HERE

O2 - HERE

Tesco - HERE

 

---------------------------------------------------------------------------

 

Costs look like this;

 

Representative example

 

Duration of credit agreement - 24 months

Upfront cost - £0.00

Monthly device payment - £19.00

Total Credit amount - £456.00

Total amount payable for device - £456.00

Interest rate (fixed) - 0%

Representative APR - 0%

Device cash price - £456.00

 

We could do with some help from you.

 

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What to look for on my CRA?

 

Mostly, there should be either 1 or 2 entries on your Credit File for these accounts.

 

1 is for the Financing of the handset @ 0% APR mostly

The other is the Airtime Plan. Depending on how many accounts / contract you have with them, you could have a large quantity of telecoms accounts appearing on your CRA.

 

This may trigger a negative result to your score so please be weary when taking out these deals. While scores are for the most part a guideline, having 2 extra accounts could be detrimental to your chances for credit in the future if not well managed.

 

---------------------------------------------------------------------------

 

What happens if i default on my contract?

 

This will mean that the company will be liable to send you a default notice to remedy the arrears under the Consumer Credit Act Of 1974. However this is for the Handset Finance agreement only.

They will also send you a further letter confirming that your services may be cut off / have been disconnected and find you in default of the agreement that you signed up to for the Airtime Plan.

 

However be aware that for the Airtime Agreement - There is no law and this is NOT subject to the Consumer Credit Act.

 

We could do with some help from you.

 

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