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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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PRA chasing a defaulted unsecured MBNA debt


jd0272
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Hi all, new to the sight, and indeed, to debt.

Had a look around here this morning, and I'm quite frankly overwhelmed by all that is concerned with debt and debt resolution, so please, bear with my ignorance! I'll try to keep this as concise as possible also.

 

Full time employed home owner/mortgage,

one active credit card with my bank which I over pay on religiously (£2k balance) so no issues there.

No HP/credit, and no defaulted utilities.

 

Wife left Dec 2015 (not divorced yet),

I remain in the house and the mortgage is in my name.

I'm also a lone parent to 2 boys, 6yrs and 9yrs.

 

 

In Jan 2016 I got a letter from PRA stating 'my' account had defaulted on 'my' debt (from MBNA credit card) of £10278.34 and advising me I had previously to that point been paying £80pm against the amount.

I had no knowledge of this until the letter landed on my mat.

As you can imagine...

 

It's come to light that my estranged wife had, over a number of years, been using one of my cards without my knowledge.

The first I knew of this debt was the letter from PRA.

 

 

At the time I was left financially devastated, and have spent the past 20 odd months getting back on an even keel (hence the £2k balance on my current credit card). As such, during this time, I kicked this £10278 debt 'into the long grass' as it was not my priority.

 

Wife also owes other debt held by PRA and a number of other debt companies, and has 'bumped' many of these payday loan companies.

I get regular mail in her name from people chasing her for debt. Quite the girl.

 

I have received several more letters from PRA (last one Aug 17th 2017) advising me the matter is with their litigation/investigation/collections team, and an offer of a 'one off' discount allowing me to pay only £9250.51.

They've also predictably been phoning me (assuming estranged wife gave them my number...),

and also phoned daily by what has been described to me as a 'hunter' for PRA to establish if I am resident at my address.

None of these calls I have answered.

I am expecting a doorstep knock, as this 'hunter' is only 20 miles away.

 

I was at the point last week of phoning them and saying, "I can give you £100pm...." but thought better of it.

As I am seething that the debt I did not accrue is in my name, but yes technically it is my debt.

I have no way of disproving this.

I spoke to a solicitor last year who advised they could likely establish the debt was not accrued by me, but it would probably cost me £10k in their fees.

 

As it stands then, wife had been paying £80pm to Activ Kapitol (the only thing she did concede),

and stopped paying when she left in Dec 2015 (they should have knowledge her paying it over the years as it would have to come out of her account).

 

 

Obviously, the status of the debt is 'defaulted'.

I've paid nothing to it as I wasn't able to during this period.

The only thing I have done (last week) was fill in the assessment form on PRA's website.

Gin has a lot to answer for...

 

What's my situation?

What's likely to happen next?

Will I end up in court/CCJ?

Do I have to pay this?

Should I just pay this and get on with my life?

Again, please appreciate I'm all new to this.

And yeah, I know, ignorance of the debt is no defence.

 

Many thanks, Jason.

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Hi there,

 

Better and more experienced minds than me will soon be on to advise you,

 

The general advice is to ignore them as they are powerless. They have already put a default on your credit file, which will fall off your file in 6 years.

 

Aside from sending you more threat o grams, the worst they can do is try to give you a CCJ in the hope that you won't defend it. If and when that time comes there is loads of advice on here. Even you did end up with a CCJ it isn't the end of the world. You own your home, and don't need to get a mortgage. CCJ's do not show on your file forever, and also drop off after 6 years, so it's not terminal.

 

PRA are really crap, and I have ignored them for years, (They are chasing me for £500).

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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" It's come to light that my estranged wife had, over a number of years, been using one of my cards without my knowledge "

 

Hi jd0272 and Welcome to CAG

 

So this card ....was in your name only and she was not an authorised user ?

 

Did you never see any statements arrive over the years in your name ?

 

Did you not think it strange that you never received a statement ?

 

Was the balance nil when you stopped using the card ?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thank you London1971. Appreciated.

 

Hi Andy,

 

the scenario was I never used my cards with the exception of the one issued by my bank.

I hate debt.

 

I had a few cards 'just in case' but never carried them in my wallet as had no daily need to use them.

 

Card was indeed in my name.

 

I think she simply intercepted mail I wouldn't have expected anyway due to not using the cards.

I certainly don't recall ever using any card other than my (at the time Lloyds, now TSB) bank linked card.

 

After she left I found debt letters in her name in the loft from years ago.

I genuinely was blissfully unaware.

She had a good job, no car, wasn't out every night.

No idea what the girl spent the money on.

Never had any obvious reason not to have trusted her either.

 

Just to add, I tried to remortgage with my provider last week just to make it 'go away', but they knocked it back as it shows as a default on the reference checks.

 

They were very nice about it though.

They did, in a roundabout way suggest I start paying it, and come back to them in 6 months, but no assurances etc.

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How old is the card ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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no don't put unsecured debt around you neck by making it secured.

 

 

do you know when the card was taken out?

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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2004 chaps according to the info on the PRA letters. Thanks for the advice re; mortgage too.I just wanted it to go away, didn't want my children worrying about people knocking on the door, or be in a position where I have to sell our home to pay this.

Edited by jd0272
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Send them the following......

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

All the instructions are contained in the link.....put them on notice that you know your legal rights.

 

Regards

 

Andy

  • Confused 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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don't forget PRA are a DCA

a DCA are NOT BAILIFFS.

and have

NO SUCH LEGAL POWERS.

  • Confused 1

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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Thank you very much people!

I feel much better this afternoon than I've felt for the past nearly 2 years.

It's been awful, but I imagine everyone on here has been there at some point.

 

I've been scooting around on here most of the day reading, (superb knowledge base),

I suppose I may as well have Fair credit rating by not paying as Fair credit while I'm paying really.

 

Just means no credit for the period.

Good job I'm not planning on going anywhere 'flash'!

 

Obliged, and I will update as and when.

 

All the best, Jason.

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CCA request is you next move

 

Stay off the phone

And any powerless doorsteppers get told to remove themselves pronto from your property else police 101 time

They are not bailiffs and never can be

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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CCA request is you next move

 

Stay off the phone

And any powerless doorsteppers get told to remove themselves pronto from your property else police 101 time

They are not bailiffs and never can be

 

Thank you DX, I shall. I'm expecting it.

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