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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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Payday Loans - Irresponsible Lending Help


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Hi all,

 

I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules.

 

I have the following to my name:

 

EuroCashNet (Quick Quid) £770

Instant Cash Loans (Month End Money/ Payday UK) £300

 

I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days.

 

Any help would be greatly appreciated.

 

Many thanks in advance.

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Hi Molly - Welcome to CAG

 

PDL are my favourite thing in the whole wide world. NOT...

 

Please tell us more about these loans, how many you have had etc.

 

FKO

 

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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Thanks FKO :)

 

I'll take a look at that.

 

I currently have two as mentioned above. I did have another couple I think but they wiped them years ago.

 

Instant Cash Loans (aka Payday uk) £305 - NO DEFAULT - LATE PAYMENT - STARTED PAYMENT ON DMP con 23/06/2013

CashEuroNet (aka Quick Quid) £770 - UNSURE - NOT ON CREDIT FILE - STARTED PAYMENT ON DMP con 21/06/2013

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Thanks, i've actually just gone through it.

 

I'm going to compile a list of loans and view statements at the time of being accepted to see if I have a strong enough appeal to raise complaints.

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gambled a lot of money = perfect reason!!

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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Is this possible to claim against unsecured loans on the same ground?

 

I applied and got credit on 10 accounts within 11 months and I have statements which show/prove heavy gambling. These accounts are a mixture of CC, loads & PDL’s.

 

Thanks

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yes all lending

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

Hi all,

i'm looking at lodging complaints against all creditors which are outstanding.

 

I have compiled a spreadsheet which shows I got loans/credit on 11 different occasions in 11 months.

I also have compiled old bank statements and also statements from betting sites.

 

During June 2010 and April 2013 I gambled heavily and can prove this is where the money went.

It got so bad that within just 6 months i deposited £222k with just one betting account generating a loss of over £18k. Sickening to know!

 

I am unsure of the loan amount with Payday UK above also when Co-op was taken out.

These figures are approximate.

 

I began my DMP in May 2013.

I have gone through the Irresponsible Lending Guide but before I send complaint letters I just wanted to confirm whether or not there is mileage in my complaints?

 

Many thanks.

Lending.jpg

Edited by dx100uk
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yes everyone of 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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Share on other sites

still doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!

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 doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!

 

Definately! Have they been known to compensate on this basis then?

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why not try

i'm not going to research past successes here for you

CAG is about self help too!!

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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  • 4 weeks later...

Hello all,

 

Over the last few weeks i've been scrutinising and gathering information on loans and gambling spending.

 

I've written a provisional letter to QuickQuick using the letter template on the irresponsible lending guide.

 

I've put a lot of time and effort to put forward a strong claim.

I just wondered if anybody would be willing to have a read of it to see if there is anything I should add/remove.

 

I need to get this one right because i'll be using this as a guide letter for all my other creditor complaint letters.

It would be hugely appreciated!

 

Also on the letter template it says:

 

"the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015. I am aware that this only applies to Payday, Instalment and Rolling Credit Loans."

 

Does irresponsible lending apply prior to this?

As i'm going back to 2012/2013 so wondered if I have any claim at all with this template.

 

Many thanks

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yes it applies to anything now even credit cards

 

don't make your letter to long!!

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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