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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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1st Credit and 'Simply Be' account with JD Williams


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hi,

 

I have a 'Simply Be' account with JD Williams which has been repaid at a reduced (interest and charge free rate) rate for the past 2 years or so, they agreed to this when we contacted them to say we were having financial troubles.

 

I have repaid each month without fail

i guess the debt isnt reducing fast enough for them as they appear to have recently sold the debt to '1st credit'.

 

A letter arrived from 1st credit saying that they are now the legal owner etc and that payments are to go to them now.

 

I don't want my credit rating to be affected and i know the debt is owed but can i make an offer to them to pay it off at a reduced lump sum or is it just best to pay as we have been?

 

I hadn't heard of 1st credit so am a little wary of dealing with them, hopefully someone can advise.

 

Thank you

 

H

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Hi HC and Welcome to CAG

 

I have moved your thread to the appropriate forum were you will get the best advice on how to deal with this.

 

Judging from your 1st post you have a lot to learn and need to read a few threads involving this DCA.

 

 

Regards

 

Andy

We could do with some help from you.

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Plenty in this forum and the Financial Legal forum for you to research...you can also search 1st crud by typing it into the search box (top right under our Logo)

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

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Just in the process of searching/reading as i type.

 

Although this is my first post (above) i have 'lurked' on the forums for many months so consider myself to have a fair bit of knowledge on debt issues etc,

 

this is the first time i have come across 1st credit however, hence my question.

 

I would send a CCA but as i say i really dont want them to start applying late reports etc to my credit file as it's quite stable at the moment.

 

So not sure which route to take with them, i know for sure that speaking to them on the telephone isnt an option, the calls began today!

 

Thank you

again

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Well a CCA section 78 request is a must for starters...this puts them on notice that your not going to be harassed into paying something that may not be outstanding.As for markers the default can only show for a max of 6 years anyway...irrespective of who now legally owns the debt.

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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when did you take this account out?

is is showing on your credit file?

if so what is the defaulted date?

 

 

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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OK thank you Andyorch - that makes sense.

 

I have just checked my Clearscore account and that shows everything up to date,

no missed payment whatsoever

 

- not sure if that means anything but what im trying to say is that its not showing as in default as yet.

 

if i get a CCA in the post

- i highly doubt they will comply within the given time but is it best to keep up repayments or wait until they respond to the CCA?

And can they smear my credit report in the meantime?

Thank you so much - i really appreciate it

 

Hi dx100uk, sorry my post crossed i think.

 

The account was taken out in 2010,

its showing on clearscore as everything up to date,

no missed payements and no defaults...

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Yes if your happy to continue to make payments and see what comes of your request.......if they cant comply then you can reevaluate.

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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you mentioned in your opening post that the charge fee rate has been reduced.

you are probably paying a lesser level of unlawful charge than before.

That doesnt make it lawful,

 

get calculating what you have been charegd and recalim it.

 

Also interest on fees isnt applicable as that is not part of a loan or credit agreement

I bet they have charged interest on these fees.

Something else to reclaim.

 

If the debt has been sold on then 1st Crud will owe you the money.

Wont that be fun to make them pay out more than they can earn from the debt

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hi ericsbrother,

yes due to financial issues

we offered them a set amount each month (on the condition that interest and fees were on hold)

 

they agreed so we have paid that ever since.

 

Is that what you meant?

there may have been late payment fees added to the account before that but im not sure how i'd find out,

 

can i ask 1st crud (love that!!) for a statement etc?

or do i need to do a SAR?

 

Thank you for your post

 

H

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you should have been receiving annual statements from the outset.

If you dont have these then you can submit a SAR to get them and any other info from JDW.

 

Costs a tenner but it will help you enormously to know exactly what you owed at the default date, what charges were added etc and what the outstanding balance is supposed to be now.

 

As 1st Cud own the debt,

any repayment of unlawful charges and interest comes out of their pocket!

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  • 2 months later...

hello,

 

A quick update, I have recieved a 'response' to my SAR. However it contains only the following:

*Copy correspondence

*Notice of assignment

*Copy 1st Credit payment history

*Copy system notes

 

There is a note which says 'we can confirm that the following are not currently held by 1st credit and therefore have not been provide: copy of the credit agreement and copy statements. If you require these we can request these from the original creditor upon your request.

 

 

They have not placed the account on hold whilst they drag their feet providing this info.... so im still paying at the mo. I'm guessing i reply and tell them i need the info i originally requested? Thanks so much for everyones help so far!

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sar should have gone to the original creditor

as it says in post 13

 

CCA request to 1st credit

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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yes ofcourse you can.

 

if 1st credit have failed your CCA request

then one wonders why you are paying them still?

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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so this debt is not showing?

 

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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I would suspect this account is years old?

and was already defaulted by JDW more than 6yrs ago and has been removed under the 6yrs defaulted rule

so cannot comeback.

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 don't recall ever having a default notice,

i have been paying a reduced payment for a long time (at least 4-5 years) so thats probably why they sold it on,

 

to be fair to JDW they froze the interest so the debt has been genuinely reducing each month its just taken time.

 

Quite possibly in the early days when i first had difficulties there may have been fees added but its so long ago i can't actually recall so would need statements etc to verify that and 1st credit haven't sent them so if i start with the SAR to JDW and see what that brings?

 

Am i within my rights to request that they place the account on hold whilst i give JDW time to provide the statements and do JDW have to provide such info anyway now that the debts been sold on? sorry for all the Q's?

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defaulted date should be on the closed account summary

 

pers id not be tell 1st crapit anything

 

they've failed the CCA

end of.

 

when did you open the account?

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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exactly you are learning.

are you sure you only opened this catalogue account in 2012?

that does seem correct with whats gone on.

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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