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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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Cabot/Nolans Dumfries SPR claim - old Jacamo JDW CAT Debt***Claim Dismissed***


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ok good

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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just re-reading the court orders for the case management on 08th september and the sheriff says

 

" the claimants are ordered no later than the 31st august 2017 to lodge with the sheriff clerk copies of the case law and fca guidance upon which they rely and any other legal authorities they think would assist the sheriff in deciding these issues.

 

These must be accompanied with a "list of authorities"

 

They must send copies of these documents to the respondent, and confirm they have done so to the sheriff clerk also before the 31st august 2017"

 

I have not got this from nolans yet and if i dont receive it would i still have to go to court?

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yes

always go

I had one yesterday same thing

they pleaded by letter as they NEVER goto court

just use a local rep!!

 

blamed the sheriff clerk for their errors

they've been given 14 days

 

else its decree against them

 

ring the sheriff clerk Monday and tell them you've received nowt

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...

they sent me the list of authorities they intend to rely on about 2 inches thick of paper!

 

1) section 78 of consumer credit act

2) section 87 of consumer credit act

3)p mcguffick v royal bank of scotland

4)rankine v american express

 

today i received further evidence they sent to court,

a copy of the credit agreement! unsigned by me i might add.

 

cant really use this now i dont think? "

use:

I have had financial dealings with [original Creditor] in the past.

 

I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my request for further information."

 

cheers :)

New Doc 2017-09-05.pdf

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usual rubbish from nolans

3&4 have no bearing in Scottish courts

they relate to English court judgements

 

 

scan up what they have sent as the CCA return to one multipage PDF

click upload

 

 

read this thread

http://www.consumeractiongroup.co.uk/forum/showthread.php?480702-Cabot-Nolans-simple-procedure-claim-LloydsTSB-Credit-card-debt-**WON-CASE-DISMISSED**

 

 

yours appears to be going the same ending

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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its on the bottom of the pdf above, page 4/5 bit hard to read though im afraid. i hope it goes the same way dx although that case seemed to have no paper work and mine has the credit agreement, purchase lists, all the letters asking for payment asignation of debt etc!

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what else did they send?

pages of statements?

default notice?

notice of assignment?

 

 

or was it just sheets from those 2 cases

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

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

so just had a look through everything seems they have :

 

1) letter from jd williams to myself confirming they have sold account to cabbot

2)9 letters from cabbot asking for payment etc

3) account transaction history showing purchases intrest etc

4) copy of credit agreement with jd williams (unsigned by myself)

 

think i still have a chance? any advive for case management on friday? or should i just admit defeat :(

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Not over till the fat lady sings :wink:

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well if you GO READ AGAIN

the sheriff orders in the PDF in post 29 again

 

you'll see they HAVE NOT complied with his demand.

 

specifically

NO DEFAULT NOTICE

NO SIGNED AGREEMENT.

 

the case will adjourned for XX weeks to give them time to produce them I expect.

 

this is ONLY a case management hearing

NOTHING is decided its just a chat.

 

you need to push home hard the fact they've failed to comply with HIS orders

and object to an adjournment.

 

let the sheriff do the talking

talk when spoken too

if yo NEED TO [i e the sheriff doesn't]

point out the above failing.

 

else KEEP QUIET!!

let him shoot them in their foot

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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Interesting morning!

 

Greeted by 2 nolans solicitors a couple of minutes apart both pushing for a settlement!

Asking what my position was today, i said I was in it for the long run!

 

Waffles on to sheriff about how because I received goods i should be expected to pay for them and saying the default notice was trivial.

 

Sheriff said my defence was based on a technicality but said I was quite within my right to do so.

 

Said the 4 points with the cca request, the statements had been produced ( cant remember th 4th point) and the credit agreement

 

really just left with the default notice which the claimants said they were expected to obtain although nolans tried to say again it wasn't necessary to prove it wasn't given

 

hearing set for 1 November, for proof.

 

the sheriff said the claimants would have to decide from a commercial point of view whether it was worth it financially as it would be very expensive for them and expenses limited to £100 from myself!

 

He also said to get advice from my advisors who had helped me so far!

 

Cheers ��

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Exactly. Force them to run

 

I just won one against Nolan's that was 1a claim 2yrs old to date

8 hearing

They had true signed agreement

Statements etc

 

Nolan's withdrew

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 month later...

I received a letter around 10 days ago,

was waiting to see if i got a letter back from the sheriff before i uploaded it here,

 

I have just read it again and seems i am supposed to reply within 10 days

its form 9g incidental orders https://www.scotcourts.gov.uk/docs/default-source/rules-and-practice/forms/sheriff-court-forms/simple-procedure-forms/form_9g.pdf?sfvrsn=6

 

the only part on the form with info was attached on a separate sheet which i have uploaded

 

also the extra evidence was the purchase deed redacted, would of been interesting to see how much they paid for it.

 

any advice on a reply to d3 would be very appreciated :

New Doc 2017-10-21.pdf

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Scan up their exhibits to one multi page pdf

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, this is the content of the pdf pages

 

1- copy credit agreement unsigned by myself

 

2-terms and conditions from credit agreement

 

3-letter from cabot referring me to nolans

 

4-statement of account from cabot

 

5-letter from jd saying account sold to cabot

 

6-letter from cabot confirming they have bought the account

 

7/8-notification letter between cabot and jd for account sale

 

9/10/11- statement of account transactions from jd Williams

 

 

thanks.

docs return.pdf

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so this willy waving has come from the fleecers and not the court.

was the form filled in?

 

scan that up too

 

I gather you never did sign and return any agreement?

so all they've done there is typed your name on a couple of sheets they've got out of their filing cabinet.

total bogroll.

 

and still no default notice.

 

and ofcourse the normal line all the DCA's use

'you admitted in your defence you signed the agreement'

 

no you admitted you have had financial dealings in the past

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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yes it comes from the fleecers but i have to reply to the court, yes it was filled in but all it says is "see attached" which is the 2 sheets of paper saying they would like it dismissed etc

 

never any agreement signed and returned.

 

i just have to email the court my reply today to be within the 10 days i had.

New Doc 2017-10-22.pdf

New Doc 2017-10-21.pdf

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no you don't

willy waving to unsettle you.

 

ring the clerk Monday and ask if they know anything about it as yours only arrived Friday in the post or something.

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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unfortunately it was sent recorded delivery,

just worried about what it says on the front of the form,

 

"if you have been sent this form:

if the court grants this application then it will make the orders which have been asked for below,

you must fill in part d of this application and return it to the court within 10 days of it being sent to you"

 

could i just say on d1 they have not satisfied my cca request with no signed copy of the agreement or default notice?

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IF THE COURT....

calm down

you can email it by Monday am.

 

leave things with me.

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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they say you admitted to entering into the agreement before the sheriff on the 8th of sept...did 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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