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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.
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Current Account Now On Credit Report


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I subscribe to one of the online monthly credit reports and have today noticed that I now have an entry marked "RBS CURRENT ACCOUNT" which also includes my bank balance. :o

 

Even though this information has just appeared on the report this month it has 4 marks showing that they have effectively updated my credit report for four months. Thankfully I have not gone overdrawn in those four months so it says "satisfied lending obligations" , however I do not have an overdraft so I am baffled why it says "lending", I furthermore have had no correspondence from the bank to state they would update credit reference agencies suddenly after 5 years, did I agree to that and can they do it? :-|

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I do recall reading in the news last year that finance companies were going to be supplying current account data to credit reference agencies. I'm sure I'm not making this up but I can't find any reference to it anywhere :? I will keep looking....

 

My current accounts are displayed too FWIW.

 

Don't think it's THAT big a deal IMO and don't really know why they would need your permission either. The only people who would see it would be other lenders who you are applying for credit for and would they not be entitled to see what state your finances are in as a whole? To be honest, from a lending perspective it makes sense to have this information displayed especially to reduce debt-dodging and money laundering.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I totally agree with you, since I reclaimed the bank charges I have managed my affairs correctly, so its all good data. I just wish I knew what I was doing when I was a wreckless student, but there you go, you live and learn.

 

My only concern would be if you went overdrawn by (for example: £1, a direct debit taken early or something daft. IT DOES HAPPEN, hence the consumer action group forum) and you then had a bad mark against you, I have experience of how these bad months can screw you for SIX years (credit score). I can see why they are doing it but in my case I am not "lending" anything from them (they would charge me £35 if I go 1p overdrawn) so to say I have satisfied my lending agreements is very confusing. I have no overdraft and I live within my means now, so why are they informing the CRA's??? :cool: am I under a credit agreement by having a bank account all of a sudden?

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Right see what you are getting at now. You don't get a red mark for going overdrawn - or at least I can't imagine you would get a red mark for something as simple as that. Would be worth looking into and in fact, I would recommend asking the CRA you are registered with what it would take to get a red mark against your current account. From experience, their help centres are REALLY helpful.

 

Even so, lenders look at a credit report appropriately. If you are applying for a £200k mortgage, they aren't going to care about your current account (to a point obviously). I'd even go as far as to say they don't even look at missed credit card payments (again to a point). I'm talking from experience of working in a mortgage company years ago and also my experience of taking out a mortgage twice.

 

In the grand scheme of things, being overdrawn in your bank account is not big news and I can't imagine it carries much weight at all.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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