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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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Intrum/Moon Beever Letter Of Claim - old halifax overdraft


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Hi i am pretty new to all this but am desperate for help .

 

I do have my self to blame but am so worried what the new charges will do to me in november .

 

I have had a halifax account for over 25 years now and say over the the last 8-10 years have used the overdraft facily .

At first it was only about 600 so wasnt too bad but then i could easily up it online no problem .

 

 

My finances spiralled out of control and upped the overdraft too 1700 so the fee was only a manageable 30 pound per month .

I then got involved with many payday loans and was also doing alot of online gambling .

 

 

this year i went from 1700 overdraft up to 4800 even though i only earn 1000 a month .

I have been refunded all payday loans interest and some written off through the FOS Wonga, Sunny etc .

 

 

At the moment i pay 99 per month in fees but this is too rise to well over 200 .

Under no circumstances can i afford this .

 

 

I think the halifax have irresponsible allowed my overdraft to go up knowing i only earn 1000 a month .

One night i increased my overdarft 4 times each 500 because it was so easy to do.

I am in financial hardship and it is worrying me sick .

 

I have not contacted the halifax yet and not sure what road to go down .

I am not very good with words and i worry alot .

 

I know i have brought this on myself with the gambling etc

but they should have a system that dosent allow you to increase if you dont have the money going in .

 

Just too add i have paid halifax over £3200 in planned and unplanned fees too date .

Not including their other system before 2010 were i paid alot of fees to them .

Any help would be appreciated

 

Thanks in advance

Ann

Edited by colin1096
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pers ann id get a parachute account with the co-op oline

and get any income you have paid in there

 

 

its your money

take control

deal with Halifax once you are sorted.

stop them blindly taking fees etc when you've no control

 

 

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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Probably but the only way y are going to take control of your money is to stop people helping themselves

it may well be that a large portion of the OD is unlawful fees and the interest they've caused.

 

 

25yrs is a long 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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  • 2 months later...

just an update , they said they would reduce the overdraft from 4900 to 4200 the 700 being this years charges . i am still not happy and have now complained to the fos . today the neww charges scheme start a daily fee of 7 pound which i will never be able to afford .

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  • 2 months later...

After a lot of correspondece with the fos i have now received this .

I wondered if anyone could help .

They say at £1 a month but that will never clear the debt , could they sell the debt on and land me in more troulble . any help much appreciatted .

 

Dear Mrs xxxxxxxx

 

I’ve now had a response from Halifax with regards to your income and expenditure form and complaint.

 

They’ve reviewed your income and expenditure form and have identified that you have a deficit each month.

Because of this they wouldn’t agree to a repayment plan of £40 a month.

 

Instead, the maximum they would accept is £1 a month unless your circumstances change.

However, you will need to contact the Collections team to discuss your options on 0808 145 0439 once your complaint with us has been resolved.

 

Moving forward, Halifax has calculated the charges you incurred from January 2017 until 11 December 2017 (when your account was placed on hold and all charges suspended). It totals £1,020.34 which they’ve rounded up to £1,100. They’ve offered to use this amount to reduce your outstanding balance on the account.

 

Looking at my previous recommendation, I now feel the above offer is fair as I only asked them to refund your charges and interest from March 2017 not January 2017. A hold has been put on all collections activity on your account and for your account to be fee free whilst we are looking at your complaint.

 

Please let me know your thoughts on Halifax’s offer and if you’d like to accept it or not.

 

Kind regards

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that'll do then

now simply pay IF you want oo

else ignore them

they'll sell it on.

might be better you don't pay

then atleast the SB clock will start ticking again.

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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doubt it.

if Halifax are so confident you owe all the money

why don't they take you to court rather than sell it on?

they'd kill you in court

but they never do...urm.....

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...

Had to hide that

Ref no. Showing

However safe to ignore totally

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

  • 1 year later...

Hi , i did post about this halifax overdraft last year but cant find the post .

 

So quick story

halifax overdraft was passed onto 1 dca then back to halifax,

then sold to intrum in december .

 

just received a letter from their solicitors moon beever saying i have 30 days to discuss payment options or go to court .

 

Any advive would be gratefully recieved. thanks in advance .

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you mean you have a letter of claim with a response pack?

 

there are no post here from you previously regarding this debt.

 

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 the letter of claim with response pack ,  it was about 2 years ago maybe i posted about the overdraft but i cant find it either . I had run it up to about £4k before the new daily charges came in and no way of affording it , .  

 

i have received a sale of assignment back in november 2019 and a notice of assignment was sent in december.

i know there is plenty of interest charges since the account opened in 1990 and overdraft charges .

 

I stupidly kept raising the limit online because off gambling and  lied about my earnings to get the increase .

i can afford to pay back about £100 a month but dont really want to pay them all the charges that i occurred

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  • dx100uk changed the title to Intrum/Moon Beever Letter Of Claim - old halifax overdraft

post 3 here:

 

 

get an sar running to Halifax too

 

you have made no poster at all on CAG about this debt before

unless you have another username??

 

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 hit sar 

even if deleted we would have a fingerprint.

 

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

as post 15 colin but hold until nearer the date.

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...

hi halifax said i need to wait till 14th april which will be over the 30 days boon and meever said from the letter i recieved on the 9th of march . shall i respond to their notice of claim , and also the post is up in the air with covid19 atm .

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as post 3 here

 

 

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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because the account is subject to and continues to have, serious on-going disputes including an FOS investigation, regarding fees and questions regaring irresponsible lending.

 

(not that they are active, but they don't know that)

 

I would expect them to drop this not brick.

 

DO NOT communicate with them in any other way without checking here 1st...ever from now on

 

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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