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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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The Reverend And old Abbey OD sold to Arrows


The Reverend
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Good afternoon everybody,

A long time since i've engaged on this fantastic site,had an awful lot of trouble at the Vicarage but thats for another day.

 

 

Just a little bit of thought regarding this matter would be welcome,

 

Abbey National - Santander

 

Had a bank account and overdraft got into difficulties not going into more detail no need to at this point in time.

 

Account ended up at Debt Managers around 2006, balance of around £2500 i did setup a payment plan and that continued until June or so this year.

 

Received letter from Arrow - Capquest, saying Capquest are now managing on behalf of Arrow, balance around £2100.

 

The question is do i engage with Capquest and set up new payment plan ? i have no problem with that for time being,as some more hornets nests are gonna get rocked over next few months i think.

 

I think a cca request doesn't count in this situation ?

 

 

Bless You, The Reverend

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Wait for Capquests missive and then decide from there...the longer it does the rounds the less chance of a court claim Reverend

 

Regards

 

Andy

We could do with some help from you.

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Thanks for quick reply Andy,i've actually received a letter from Capquest today,just the standard contact us blah,blah,blah.Like i said i don't have a problem setting up new repayment plan,would you suggest that as being route to go down ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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why not get an sar of to satans bank

get all the statements

this could well be 99% unlawful bank charges & their interest.

if so very questionable they'd go anywhere near a court with it.

 

 

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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And if it is 99% bank charges & interest do you really want to pay it...not that we condone debt avoidance in anyway Reverend you understand....just fair treatment to consumers.:wink:

We could do with some help from you.

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Thanks for replying dx and Andy, yes would be a lot of charges on this account. If i go down the SAR route,do i wait until i get that info before making any contact with Crapquest,and wait for next Threatagram ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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I wouldnr be rush to tell or do anything with cabot.

 

they are not bailiffs and have zero legal powers

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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Capquest not Cabot

 

Would i send to Capquest Or Satan ?

And are we still talking 40 days to comply ?

And also reading the origina letterl from Arrow the account goes back to 1998,

would they hold info that long ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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sar to OC

well if you cant get ahold of the data

99% guaranteed arrows wont either!

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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Not had a chance to get SAR sorted will try tomorrow when have a little more time.

 

On a seperate note,

on the SAR page you have a link to create a tamper free sig,

seems a great idea,

so paid my £4 via paypal,

and got sent back to a template page,

which i don't really want,

how do i login or create account to create the tamper sig ?

 

 

I can't any way getting past that page

,and don't have a password to access the signature creator or no link to create an account,

perhaps I'm just being thick :-)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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is the sar going to the original creditor?

 

 

sorry about that sig thing its a nuisance

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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no need to munge a sig on SAR to the OC

as the sar says if you read all the posts there.

 

they'll only ask you for it unmunged

don't forget a ctax copy if you've moved too

 

yes , we'll sort the £4 for 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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Wasn't going to use on that document just thought it was a good idea.

I've read over was needed for the SAR request and again dx thanks for the reminders much appreciated.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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I had an overdraft of around £2k with Abbey when it was defaulted. It was quickly sold to Debt Managers and I started to make repayments to them.

 

Then I found this message board and CCA'd Debt Managers (not knowing at the time that overdrafts weren't covered by a CCA request)

 

However, Debt Managers managed to obtain and send to me a copy of the application form used to open the Abbey National Bank Account.

 

On the Application Form there was a box that had to be ticked if you wanted to request an overdraft. I hadn't ticked that box.

So I wrote back to Debt Managers and pointed that fact out to them and stated that I had owed nothing to Abbey National or Debt Managers, and therefore stopped making payments to them.

 

I've never heard from them since and that was almost 10 years ago.

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  • 2 weeks later...

Hi Guys,

not had a chance to get SAR off to Satan,

One question can't seem to find an address to send to

 

Would this one be applicable ?

Complaints, Santander UK PLC, PO Box 1125, Bradford BD1 9PG

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Well its not a complaint ...its a legal request and should be addressed to Data controller.

 

 

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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Hi Andy,can't find an address for Data Control nothing on their website,would i send it to Data Control Bradford ?

 

Their website is blooming awful.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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Not sure if this is current ?

 

Data controller: Santander UK PLC

Address: 2 Triton Square, Regent's Place, London NW1 3AN

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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  • 1 month later...

Just a small update, SAR sent off to Satan,had a reply from Satan, we will send requested info within 40 days blah,blah,blah.

 

Have this week recieved a further letter from our friends at Capquest,after the usual three weekly you haven't contacted us regarding this account. I did send a cheeky CCA request i no doesn't apply but i was in a cheeky mood.

 

Now the letter this week is offering a reduced settlement,and my question would be,does anybody think this is because the SAR is going to reveal a few charges i will be able to get refunded,or just a complete concidence ?

 

The CCA of course they haven't responded to at all,was just expecting my PO returned and a you do realise this doesn't apply to an overdraft.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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they wouldnt know about the sar.

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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I did send a cheeky CCA request i no doesn't apply but i was in a cheeky mood.

 

.

:)

worth a try, gives them something to think about.

have done one, and in mine it is applicable (re the full terms) (though they say it isn't) :)

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:)

worth a try, gives them something to think about.

have done one, and in mine it is applicable (re the full terms) (though they say it isn't) :)

 

Never even got a reply,or my £1 sent back,they certainly haven't taken it off the balance outstanding.

I'm pretty certain now the reduced settlement letter was to get me to call,learnt a very very long time ago.

Never speak to these people on the phone ever.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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