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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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Store Card Debts


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Please can you tell me the best way to deal with Store Card Debts?

 

I have two which I have defaulted on.

John Lewis and M&S.

 

 

These cards were both originally taken out pre 1997.

I cant find any of my paperwork pre this date.

 

I have been paying a minimum amount each month of a £1 for the last 5 years and they are both pressing me at the moment to send them an Income and Expenditure form which personally I feel is none of their business.

 

What should I do?

 

I presume if I stop paying them anything they will send straight to their solicitors?

 

Amounts outstanding are around £5K on each

 

I do not have an income at the moment

 

Thank you

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First thing to do? CCA them. keep paying as you are. If they cant provide a compliant response, then you stop paying. However, they are perfectly entitled to mark your credit file, so be aware.

 

AS for repayments, you could tell them that your financial circumstances have not changed, £1 is the most you can pay, and possibly give them a very very simple budget summary.

 

If they fail to provide the CCA in 12+ 2 days, then you stop paying and they cannot chase you through solicitors or court until they provide one. They can still contact you and ask you to repay though.

 

So CCA them first, and IF they respond properly, provide a copy of a benefits letter or similar and tell them £1 is all theyre going to get.

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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Thanks Renegadeimp, if I enclose a copy of my tax Credit form to them they will see my partners imcome which is just pension, so is this the best thing to send them?

Is there a legal obligation to send them my income and expenditure?

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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

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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Why do you want to send them any information? Don't send them any information until you have received the CCA. Then come back here.

 

This. as i said at the start. CCA first. Do not do ANYTHING else until you either get a reply or the 12+2 expires. Whichever comes first.

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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who have you been paying these £!'s too all these years?

 

 

and was there ever a period of 6yrs when you paid or heard nowt about each card?

 

John Lewis and M&S, and no I have kept paying this for the last 6+ years! Stupid I know that now

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ok so they are still with the original creditors.

not owned by DCA's

 

 

surprised they've never been sold on actually

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 months later...

Just discovered that Arrow have marked my credit file in 2016 when I stopped paying my £1 contribution that I had been making since 2010

Can I do anything to remove this?

 

Arrow notified me of a transfer of this debt in March 2016 to Restons

 

Ive never done a SAR on it, is it all too late now?

 

Thank you

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they can mark it bit not default you

did the OC not already do this upon sale?

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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didn't say either

who was the OC

a dca cant register defaults neither can a sols.

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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no - I would suspect that you were paying satans bank and they sold it on with the £! arrangement in place

 

when that happens the debt buyers name replaces that of the OC on your file.

 

so whats the defaulted date

and did you get NOA's sent for the sale?

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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what do you mean the default would have been 2010?

 

if so the debt should not even be showing now.

 

whats the date of the default ?

you said arrows have marked you file?

what the calendar section?

or a new defaulted date?

 

WHAT has troubled 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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I thought you meant when was the original default when it started.

It was 2010 when I couldn't maintain my monthly payments,

but this was when I set up the £1 a month contribution.

These stopped in January 2016.

 

Ive not had anyone register this on my Credit File before so when I discovered it I was shocked to see it down as Arrow

who have registered it because they are the DCA I thought

 

It does say that there have been no updates from Arrow since they registered it over a year and a half ago

 

Does it just stay there for another four and a half years?

Can they take this to Court?

Do I just forget about it?

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send satans bank an sar get all the account details

prove its not already been defaulted

 

 

have you moved since you took this out?

if so are/were the OC aware of your correct address?

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...

No not sure what site you're reading

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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AFAIK, Arrow Global buy debts, and Moorcr@p don't, they are the tame gophers.

 

Why what's the story?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yep what the story please

 

 

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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