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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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    • 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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Bankruptcy or Default Advice


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Hi everyone,

 

So I've hit my limit in managing my debts and cannot continue anymore. I owe around £20k credit cards and one loan, where over the last 6 months I've gone over my credit limits due to increasing the interest rates I've spiraled out of control and feel lost.

 

I have defaulted on one credit card already but am thinking of defaulting on the rest of them because i simply can't afford the monthly payments anymore. My question is, should i default on them all and then offer them / DCAs token payments or simply go bankrupt?

 

I've got no assets and am renting a property at the moment. I'm 29 and feel that going bankrupt will allow me to save so much money by the time a bankruptcy would be over.

 

Is there much of a difference to being able to obtain credit if i've defaulted on all cards as opposed to bankruptcy? I'm trying to look for the future to not have these debts hanging over me.

 

Barclays: £4,500

Loan: £2,900

Halifax: £5,800

Virgin: £5,500

RBS: £2,800

Natwest: £2,100

 

Your advice would be really appreciated.

 

Thank you

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who owns them at the moment

all still with the OC's?

 

 

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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collecting or sold and who?

LInk or the hoist group [HPH2/robbers way]

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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Moorcroft don't buy debts they only chase for clients if you read their letter

so as guessed HPH2

 

 

send then a CCA request

might pay you to get an sar running to Barclays and get all the statements

there could be penalty charges and PI? to reclaim.

 

 

i'd be inclined to send everyone [bar hoist]

the letter in our debt collection section of the library

offering £XX for XX mts if they will freeze interest & charges to the rest see what they all do.

 

 

when did you take these cards etc out please

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

  • 4 weeks later...

Sorry for not coming back on this

 

I'll get the CCA request and SAR sent out to all today! thank you.

 

I've spoken to all credit cards today,

majority of them have agreed a repayment plan and stopping the interest but that will still default my credit file.

 

Once they all default, and please excuse my ignorance here i may just pay them bare minimum every month of £1?

 

What difference would it make paying them more if the default is registered?

 

Apart from the obvious reducing the balance but i'm just no the position to pay more than £20 per card each month anyway.

 

I know bankruptcy is the last resort but surely if defaults are now registered, bankruptcy clears the debt and then i can start fresh in 5 / 6 years?

 

My oldest credit card is nearly 10 years old but others are around 5 to 8 years old.

 

 

Thank you

 

Sorry to add, do i send the CCA / SAR to the DCA or direct to the creditors?

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its better to write to your creditor rather than phone

then you have a papertrail.

 

the letter in our debt collection section of the library

offering £XX for XX mts if they will freeze interest & charges to the rest .

 

no point in BK

 

once the debts are defaulted

then whatever happens wont make any difference

each will drop off your credit file as the default reaches its 6th birthday.

 

that happening doesn't mean the debt is not still owed mind.

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

Thank you.

I'll start working on getting back on track now then.

I hate how I've got myself into such a mess but it's nice to know you guys are here to help.

 

Rather than starting a new post on the PPI front,

i remember that i had a Natwest loan of around 22k about 10 years ago of which i was told i would have a higher chance of being accepted if i upgraded my current account to an Advantage gold, it'll also bring the interest rates down by 1% would this be means of a claim?

The charge of the advantage gold account was £12.50 per month and i only stopped paying that last year!

 

Lastly, last year i wrote to Natwest about PPI,

they swiftly replied saying there is no PPI attached to my account and at the time i accepted that and moved on,

how can i prove anything if nothing shows PPI on the statement of accounts?

 

I heard that banks have sometimes hidden the charges within the interest?

 

Thank you for your time.

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that's not PPI its a packaged account fee.

 

which were deemed unlawful quite a while ago.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?459427-Reclaim-Packaged-Current-Accounts-Deal-Fees

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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Great, i've taken a read and just what i need.

 

Where does this leave me if they simply say we didnt advice it'll help you get it?

 

It was done over the phone and i can only presume they wont hold telephone records that long ago.

 

I've actually just found out that Natwest are still charging me a "Maintenance Fee" of £17.00. I'll be sending them a letter for this, i hope i'll get something back as it'll help massively with my financial situation.

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you'll get all of they back

doesn't matter that they gave no advise or not.

its not like a PPI claim

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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