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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.
    • 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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Barclays unknown debts


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Hi again

 

This is my second thread in regards to an ongoing problem

 

Unfortunately my mum has been left with debts that she has no idea about from her marriage which has broken down

 

These debts are with PayPlan at the moment who are paying all creditors each month with a lower monthly repayment and 0% interest.

 

This plan was set up between her and my dad when they were together as she could not manage her repayments

 

She has now asked PayPlan to send her a summary of such debts which are in her name.

 

On the summary it states that 4 debts are to Barclays and 1 to LINK.

 

The references suggest that 1 is a loan that we know about (see my other thread).

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479075-Barclays-Personal-Loan

 

It looks like another is a current account as they said it was in 'joint' names and I know joint loans/credit cards do not exist. The reference is 5082XXXXXXXXX which also suggests it's a current account because the sort code of our area is 20-50-82 so they've missed out the '20'. The only thing that doesn't make sense is the fact it is followed by 9 numbers instead of 8 so we cannot use it as an account number.

 

The other 2 seem to be credit cards that have reference numbers on there.

 

We went into branch today and the member of staff could see the loan that we know about and some closed credit cards which do not match the reference numbers for the outstanding debts.

 

He could not find any other accounts in her name.

 

PayPlan have confirmed that the LINK debt was a Barclaycard so I assume that because the other 4 debts are still displaying 'Barclays' rather than a debt collector the debts are still with Barclays. Am I right in assuming this? Obviously we know that the 1 loan is still with Barclays as they could find it on their systems, but nothing else.

 

So as you can see I've done a bit of digging already and ultimately want to make sense of it all because my mum is clueless as to why there's so much debt in her name on this 'plan'. They claim this is her section of the plan they had between them, as these debts are apparently in her name.

 

I want to identify each debt and also see proof that these are actually hers to pay. As you can imagine this can seem like an impossible task when only 1 can be found on their systems. The LINK debt will have to be dealt with by LINK as far as I know.

 

Any advice to tackle this would be greatly appreciated.

Edited by Andyorch
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Simple - Send a SAR Request if possible to fine out more info - Or ask for a financial statement for each debt,

 

I was thinking this would be the best way. With some potentially being Barclays credit cards this would be considered Barclaycard. I don't suppose you know whether I have to send two SARs, one for Barclays and one for Barclaycard?

 

Under the summary from PayPlan they simply state 'Barclays' and there is no mention of 'Barclaycard' but the references strongly suggest they are credit cards.

 

Thanks

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One SAR should be sufficient for both as they are the same firm. Barclays... Dont let them fob you off. Itll give you enough info to be able to proceed for now.

£10 PO and a letter should suffice.

 

Are the Refs 16 digit refs beginning 4 / 5 ? KIf so these usually are Credit Cards

AMex begin 3

 

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One SAR should be sufficient for both as they are the same firm. Barclays... Dont let them fob you off. Itll give you enough info to be able to proceed for now.

£10 PO and a letter should suffice.

 

Are the Refs 16 digit refs beginning 4 / 5 ? KIf so these usually are Credit Cards

AMex begin 3

 

They begin with 5 so I think they're Mastercards that they don't offer anymore. They only begin with 4929 as they only use Visa nowadays but these are dated.

 

I'll crack on with an SAR tonight and look at a section 77/78 CCA once I have the relevant information in terms of account details.

 

Thanks

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Hi LH,

 

If you find that there's more than one case with Barclays and/or BC, please start a new thread for each account or it's difficult to follow.

 

I'm aware of the other thread you just started. :wink:

 

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