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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.
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Harlands charge for missed payment


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Good morning,

 

I looked at my bank statement this morning to see that Harlands have taken £36.99 out of my account.

 

called them and they said it was refused by my bank as "Refer to payer".

 

received an email from them a day after they tried to take the payment(24th January) saying that it was "Refer to Payer" and that there was insufficient funds in my account"

 

called my bank today and

they said they can see that Harlands attempted to take the £11.99 on the 23rd January but it was refused.

 

They said I had over £100 in my bank on that day.

They then mentioned that it was a merchant problem and that the payment "Is not a fair charge"

 

I then called Harlands back and they flat out told me my bank were lying to me.

 

Harlands also sent me an email also showing the status of the payment as "Refer to Payer"

 

What do I do now?

They already have taken the £36.99 out of my account.

 

How would I go about getting the £25 back when I did in fact have sufficient funds as confirmed by my bank?

 

Thanks for your help.

 

Carl

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you get it back from your bank under the DD guarantee

non advised change to DD.

 

and stop talking to these fleecers over the phone

 

harlands have zero legal powers over you!

writing only!!

 

go ring your bank DD guarantee 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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Hello welcome to CAG.

 

IGNORE Harlands, reclaim the direct debit back from your bank.

 

Complain about charlatans to the gym.

 

Those 'fees' they add are illegal, and unenforceable.

 

If they fail to keep to the agreed monthly direct debit, then you'll remove that privilege and they gym will be paid via standing order.

 

Oh and NEVER ring these clowns, they'll tell you the moon is made of cheese.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Invein,

 

They said I had over £100 in my bank on that day.

They then mentioned that it was a merchant problem and that the payment "Is not a fair charge"

 

Not quite sure what this means but probably not important.

 

Tell your bank you require the £36.99 to be refunded under the DD Guarantee Scheme. They should not raise any query or objection but, as DX says above, you'll say the payment was in excess of the agreed monthly amount. You don't need to justify it to the bank.

 

Once you have the money back, let us know and we'll then suggest how to deal with the gym and/or Harlands.

 

Please confirm what gym is involved here. It may be that your refusal to pay the admin fee means the m/ship will be ended but this depends on the gym.

 

:-)

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