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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.
    • 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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Irresponsible Lending Claim due to 7 PDL company loans over gambling


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Hello all, really hoping for some advice on my story, will try keep it short as much as possible!

 

i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive.

 

one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " )

 

i am now taking steps to recover from this as all my family knows

in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file,

 

one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them

 

Mr Lender - 18th Feb £200 - with interest £311

Wonga - 28th Feb - £200 - With interest £234

Myjar - 31st March - £100 - With Interest £150

Cash4unow -10th April - £200 - With Interest £295

Loans2go - 13th April - £200 - with Interest £1019 (took out for longer term)

Oakam - 17th April - £150 - With Interest £311

Peachy - 19th April - £100 initially then allowed me to top up with an extra £200 on the same day - With Interest £556

 

i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them)

 

with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything.

 

how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old "

 

any thoughts how i should progress with this?

 

i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

Edited by hamilton20010
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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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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.

 

Where are the templates letters at please? i bet i have clearly missed them in an obvious place!

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letters not email - 1st class

get free proof of posting from the PO counter too if you can

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 do i upload attachments or pictures?

 

got a letter from one of my creditors i need advice on

 

PDF it or use officelens to scan the document

And you can then attach it to your post

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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right attached :)

 

well the creditor is Mr Lender, i filed an irresponsible lending claim because of my gambling addiction and the fact i had several defaults on my file at the time i applied and lots of accounts on file already in arrears.

 

one thing i find interesting is that they have lied about what i put down for " other outgoings " i would never put a random number in like £168 i always round things to the nearest £10 or 100 or whatever so i dont know where they got £168 from, the only thing they asked to verify with me at the time was payslips

 

they say my credit score was 549 at the time of loan, on noddle its 1 out of 5 447 score and thats rated very poor so if it was 549 it still would be poor.

 

They say they responsibly lent and checked my credit file even though its littered with defaults from accounts that have not been paid.

 

im wondering whether to accept this offer or take it further? hold out to see if a month or so down the line they will keep reducing the balance

 

thanks for any advice

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always push further

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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always push further

 

would there be a specific template i should send back?

 

also some of my debts got back over 3 or 4 years where i complained to get the interest and charges back and they declined but i didnt take it further so i dont know if i should complain to them again using templates from this site?

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No

 

YES

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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Ive unapproved the attachment for you... Rename it on your PC to something random and reupload it :)

 

That way you dont reveal your name to the world :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)

 

i will :) do i tell them i am going to the FOS or keep it quiet?

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cant do a thing go silent key on them

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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