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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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Lowells claimform - old littlewoods CAT debt


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and you do have a defence. go read those thread links ive posted in post 23 above..!!

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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I’m sorry but that’s just referring me to other posts with people with similar cases but how is that going to help my defence?

 

In my eyes I have no defence I simply ignored all contact up until now.

You say not to go down the admission route and defend all but clearly I have nothing to defend myself with?

 

Forgive me if you may think i come across as stupid but I certainly do feel stupid at this point in time.

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So they've already sent you the signed agreement and a complete breakdown of how the debt occurred??

 

By reading those other threads you'll understand what you can do...

Rather than saying...it doesn't help me...

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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Ethan...I gather you dont really know how this murky industry works......

 

Littlewoods sold your debt off to this DCA for as little as 10p in the £...say around £85....littlewoods also claimed it back in tax against the losses...so there not bothered.

 

Do you really want to pay a DCA £760 profit to a company that you have never had any dealings with or entered into an agreement with...thats not sent you any documents and most probably cant produce any documents if the claim proceeds to trial...or at least not genuine valid ones.

 

They are hoping as you was initially thinking for an uncontested judgment with a little effort or cost involved to retain the maximum profit in their investment.

 

To defend claim is not an admission you do not owe the monies.....it simply challenges a third party to your agreement with Littlewoods that they can legally collect and enforce it.

We could do with some help from you.

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If they havnt replied back to my CPR and CCA by when the defence is due can I include that as part of my defence?

 

Could I not just pay you to do my respond letter of defence come when it’s due?

 

It’s all so long winded to me and it’s just frying my brain and causing me to not sleep or even live easy atm

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Yes

 

Now go read those threads and understand why no paperwork is very important

 

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

Ethan...I gather you dont really know how this murky industry works......

 

Littlewoods sold your debt off to this DCA for as little as 10p in the £...say around £85....littlewoods also claimed it back in tax against the losses...so there not bothered.

 

Do you really want to pay a DCA £760 profit to a company that you have never had any dealings with or entered into an agreement with...thats not sent you any documents and most probably cant produce any documents if the claim proceeds to trial...or at least not genuine valid ones.

 

They are hoping as you was initially thinking for an uncontested judgment with a little effort or cost involved to retain the maximum profit in their investment.

 

To defend claim is not an admission you do not owe the monies.....it simply challenges a third party to your agreement with Littlewoods that they can legally collect and enforce it.

 

No, Never dealt with anything like this so trying to come to terms with all the abbreviations and what not to keep up with the advice you give me.

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Take a step back and look at it from a neutral point of view. I know nothing of your situation really, and nor does the court. Lowell have just said you owe them money. They haven't provided any proof that you owe money, nor have they provided proof that they have any legal right to take legal action in pursuit of the money.

 

Your defence will basically say "I'm not quite sure what this is about, so how about you provide proof of the balance, that there is a valid agreement to enforce and that you actually own the debt." It's not worded like that, but it's along the lines of what the defences you'll see on here are saying.

 

Even if you don't have much of a defence, challenging the claim will definitely give you a degree of control and you can easily come away with owing a lower amount (paid in manageable installments, if necessary). In saying that, I have a deep dislike for Lowell, so would string them along for as long as possible and make them jump through every hoop I can find or create.

 

Just relax a little about it all and do a bit of reading through other threads. Don't pressure yourself to take it all in - some stuff will stick and some won't. You'll get all the help you need if you're seen to be doing a bit to help yourself too.

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The debt is insignificant compared to what some have to deal with on here, so don't let it dominate your every thought. You're just one of many, many cases Lowell will be dealing with - don't see it as personal. It's all just a bit of a game, and all you need to do is play it as best you can. If the worst came to the worst, I'm sure they'd take £10 or £20 a month, but we're a long way off that yet...so just chill and keep to the deadlines.

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