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    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • 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.
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    • 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.
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      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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Old Orange a/c - number codes on credit report


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It's only a niggle but it's really niggling me. I have (had) and account with Orange many years ago where I paid £99 up front for a basic Nokia phone and then got billed at contract rates only for calls made. It was paid by DD so never a problem, never a missed payment. On my Noddle report there are number codes

 

2013 7 0 0 0 0 0 0 0 0 0 0 0

2012 6 0 1 0 43 0 12 2 0 6

 

Everything is then at zero from Feb 2013 to the present day.

Does anyone know what these numbers mean?

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These are the Noddle codes:

 

OK = Okay – payment requirements have been fulfilled

DF = Account is in default

AA = Early arrears (1-2 months late)

PS = Partially satisfied (lower amount accepted by lender)

DA = Debt assigned to external collection company

QY = Query – account under review at request of consumer

ST = Settled/closed

SF = Satisfied (closed following default)

BB = Sustained arrears (3-6 months late)

DT = Dormant/inactive account

DM = Debt management programme in force

UC = Unclassified or recently opened

VT = Voluntary termination

 

And the payment status codes:

 

0

Up to date.

1

One payment in arrears.

2

Two payments in arrears.

3

Three payments in arrears.

4

Four payments in arrears.

5

Five payments in arrears.

6

Six payments in arrear

Edited by dx100uk
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I promise you it's exactly as I've said. The columns on the actual credit report have the months at the top and those numbers are each for one month from March 2012. Probably not as clear as I could have made it because it didn't line up well as I tried to copy and paste but there are only ten months of figures for 2012, not twelve.

 

There is another table which has green circles with 'OK' under them corresponding to these dates and all other dates - probably because the account has never been in arrears.

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Is it your balance history that you are looking at? That will be the balance that was due (and was paid) that month.

That makes more sense. Not one other account I have which reports to CRAs actually shows amounts so I've never seen anything like it before.

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Looking closer I have noticed the same tables on a Very a/c but no amounts showing. I didn't want a credit a/c but couldn't see how to check out without opening one at the time. Out of pure idleness I have used it occasionally - e g can't be bothered to walk across a room to get a bank card out of a handbag so there should be amounts showing on there but there aren't.

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