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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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Saga credit card [Allied Irish Banks] demands


Deedub
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Hello again, different story.

 

In July 2016 I was diagnosed with lung cancer which had spread.

 

 

I notified saga & told them to hold up repayments please while I sort out my work/benefits.

( I was awarded PIP that the hospital claimed for me.)

 

 

Saga called to say don't use the card and let them know when I was ready, also, it would affect my credit rating.

 

I retired in December & started a claim for universal credits and work related disability, which I've now got.

 

In the meantime, saga sent me an income expenditures form.

I returned that but, they lost it & asked me to fill in another one which I had to ring for, it never arrived.

 

 

Eventually got it, filled it in, sent it off over 2weeks ago & haven't heard anything.

 

I was going to call them today and wondered if there was any heads up you could give me?

 

The main question is;

Is there any way I can get them to take off the bad credit rating?

Thank you.

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sadly no

 

i'd just start paying what you can when you can if this is your ONLY debt?

 

its very low priority and hopefully they froze interest and charges once you alerted them?

 

there no legal requirement to send anyone your PERSONAL financial details

NONE of their business!!

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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pers i'd only ever communiczate in writing

then you have a papertrail

because they'll sell this on to a no powers DCA

and they'll deny all knowledge and slap all the interest and penalty charges back on.

i'd just start paying what you said.

you DONT need saga's permission to do it.

 

 

they've probably already defaulted your credit file

so no matter what you do

pay or not

that trashes your rating for 6yrs regardless

theres nowt more they can do to harm you.

 

 

dx

 

 

 

 

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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Hi there,

Thank you for your reply. They HAVE put a bad credit mark on my score, I checked.

 

I've spoken to SAGA,

(I had to phone as they hadn't replied to my letter and expenditure form)

they are happy to accept my monthly payments which I'll set up asap.

 

 

I also put to them a settlement figure which I feel they seem open to.

I've to send my medical conditions & statement of offer.

 

I asked them to restore my credit score but, apparently, as they are Irish (AIB) they have no control over it, they only deal with Irish credit law, (yet they managed to put it on??) & I should follow that up myself. (I am about to write to Experian etc for clarification.)

 

 

When I send off my letter to SAGA I am going to put the restoration of my credit score as a condition of the settlement fee. Is that feasible?

 

Another point is that I didn't receive in writing that they were going to mark my credit score.

I read somewhere that that should happen.

I wondered if I had a case there?

 

So, to summarise, 2 points:

 

1. After settlement how to lift the credit bad score, if, as they say they can't do it as they're Irish, though they put it on.

 

2. Does the fact they didn't write to tell me that my credit score would be affected count for anything?

Thanking you. :oops:

Edited by dx100uk
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if they are not going to wipe your credit file

I question the need to send any pers info

 

 

if they wont help yo

why help them

2 way street.

 

 

no harm in you contacting the ico for clarification on this we are irish we cant clear your credit file stuff.

 

 

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

yes but it doesn't remove the defaulted date in the summary nor the calendar markers

they stay. even if settled

 

 

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

What I'm trying to find out is, is it worth giving them a settlement or a monthly payment? If they are both going to achieve the same then I won't bother with the settlement option.

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do what you are currently doing for now, you owe 'something' so minimal payments will hold things for now.

 

 

why don't you get an sar off to them.

lets see all the statements

and see what else they've been charging like penalty fees or PPI or WHY?

 

 

when did you take this card out?

 

 

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

Yes, I've just set up the standing order.

Without checking I think I took the card out in 2012. There's not a great deal owing £2,000.( Hope that's not too facetious of me.)

Thing is, I want to keep them sweet, as it were, so they'll accept the settlement figure if I need them to.

I thought I'd write to them offering the settlement & including the proviso that my credit score is restored. Then, if they refuse to restore the credit score, don't go ahead with it & carry on with the standing order.

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id p'haps be getting all the statements first?

lets see what cards you hold re reclaiming or inflated outstanding balance

where they have not helped you when they should.

 

 

ducks inline time.

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

any penalty {£12] fixed sum fees?

and did they agree to freeze interest when you told them?

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

Yes, I asked them to freeze the interest in my first letter and they agreed, by way of a phone call.

They don't answer to emails.

They often charged me late payment fees.

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then there is you bargaining tool

IMHO you need all the statements then

penalty charges are unlawful under FCA rules

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

I've sent off a letter asking if they will accept a settlement fee, on the condition that they remove the bad credit mark.

We'll see.

Also, I didn't know that late payment penalties were unlawful?

Edited by Deedub
Forgot a point
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