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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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Robinson Way and old Barclays OD debt


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Hi, looking for some advice!

 

I've been dealing with Robinson Way working on behalf of HPH2 Ltd over an old Barclays account for around £1,800 that is no longer on my credit file as of last year.

 

The default date on my credit file was sometime in late 2011 and to my knowledge, no payments or contact has been made since, meaning the debit is stature bared (I hope!).

 

Robinson Way sent a field agent to my door though I was not there at the time and sent them a letter advising I did not acknowledge any debt to them and I did not welcome any more visits.

 

They then replied saying they would raise this as an official complaint.

 

2 months later I received a letter advising the following:

 

"I believe the issues raised regarding your dispute of this debt is the responsibility of Barclays, as the original creditor, therefore your complaint has been forwarded to them (in accordance with the FCA's guidelines set out in DISP 1.7) and you will receive an acknowledgement letter from them detailing their complaints procedure in due course.

We have placed your account on hold to allow Barclays to contact you with a resolution.

 

When your complaint has been addressed by Barclays this hold will be removed and unless you set up a payment plan, we will continue to write to you as part of our collection activity."

 

They then go on to say that they will remove my phone number from their records and that they will ensure no further home visits are arranged regarding the debt. They also mention I can go to the Ombudsman if I wish.

 

As yet, I haven't sent a prove it letter nor advised that the debt is SB.

I'm wondering if I should see if they make further contact after this letter or send them a prove it/SB letter?

 

Any advice appreciated! :)

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Hi, thanks for the response.

 

The account went to default in December 2011 (this was the date on Noddle before it dropped off my credit file).

 

No payments were made to Barclays after this time.

 

If I rang Barclays to check this however, would this count as an acknowledgement of debt?

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Brilliant thank you.

I've done some digging and the debt was initially sold to Fredrickson International where I apparently made a payment in August 2012.

 

The account was then returned to Barclays and from there presumably bought by Hoist/RobWay.

 

With that in mind would this mean the account wont be SB for another 6 months?

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correct

what is this a card or a bank account?

and when did you open it please

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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how much are they after

get an sar running to Barclays

get all the statements

I would expect £100's in penalty charges

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

what did you complain about?

can you put the letter up as a PDF please

read upload

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

little tip

don't go sending anything else without asking here

simply invites pointless letter tennis

esp that letter.

 

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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Share on other sites

Could your payment to Fredrickson be the £1 you sent for a CCA request?

If you can't remember ask Robinson way for the date, amount and whether it was cash, cheque or a bank payment.

 

Yes do send a CCA request to RW -if there isn't one that could be why Fredericks returned it to Barclays.

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yes you must let them know your new address

well deal with that when it happens

 

sadly you cant send a CCA request for an overdraft.

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 you must let them know your new address

well deal with that when it happens

 

sadly you cant send a CCA request for an overdraft.

 

The payments to Fredrickson were bank payments unfortunately, there's a record of them on my bank statements from 2012.

 

OK I'll send them a letter re. The change of address but nothing else and request the SAR from Barclays. Thank you for the help!

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wait till you move on the robbersway letter

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

still sar Barclays though

and think about mail redirection too

and don't forget to write to ALL others on your file too

don't run away from debt!

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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