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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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Where is the Banks defence?


bruce47
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I thought the banks had until the 28th to submit a defence?

 

Do we know when it will be published, is there any reason its not been published yet? Maybe they have not entered a defence? it will be good to see so some of the more legally minded members can give us there view on it.

 

Could we email the OFT and request a copy of it or do they not have to show it to us?

 

Reading the agreement the OFT have until the 26th Oct to respond to the defence.

 

I hope its not like the waiver review and takes 2 months for them to publish the documents

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Just spoke to the delightful Kate Farrow at OFT and she's going to let me know when they get the ok to post it on the OFT site.

 

They definately have the defense (and counterclaim) and are ''very keen'' to put it up but their lawyers are still looking at the legalities of making them public.

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Well at least they have received it!

 

Just hope it doesnt take them to long to publish it, if it is to be a public document then why should there lawyers have to look at it first.

 

Anyway good news just hope they pull there fingers out.

 

I wonder what the counter claim is? will be intresting

 

Thanks for the info

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I spoke to OFT today regarding the banks defence, they say they are going through it at the moment to see what they can publish as there is some commercially sensitive data in it which they have to remove, also they are altering there POC due to the banks defence.

I asked where else i can get an original copy of the defence with nothing deleted. He said you would need to apply to the High Courts civil procedures rules where an un edited copy of the defence can be obtained.

Just spoke to Royal Courts Justice - 020 79476000

Commercial Dept / Registry Claim no - 2007 folio 1186

The banks have entered 7/8 defences so it seems they all have there own. got an address of them

Royal Courts of Justice

Commercial Court

Room EB13

Strand

London

WC2A 2LL

They say you need to request copies of the defence in writing first, they will then write back to tell you how much the docs will cost, send a cheque and they will send the docs on.

I will send of and keep you updated and again anyone else can do the same to see who gets them first. Prob better to just email them to MOD as i wouldn’t want to copy and paste them onto a thread just in case

Just a shame about the postal strikes.

Also actually she mentioned if i was close by so i presume if anyone is near the address they can call in get a price and call back to pick up the defence would save a lot of time but i am miles away.

Thanks

Bruce

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Sounds good, there are 8 defences i from eack bank. Funny enough i asked if they can email the defence to me and they said no it would have to be in hard copies. But i guess its who asks for it!!!

 

I have wrote a letter to send to them today so will send it anyway. Keep us posted if there is anything intresting. It will be good to have a un edited copy so we can see what the OFT have taken out when they publish the defence themselves.

 

Thanks

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Yeah it would be very interesting to see what they leave out. The solicitor

I spoke to seemed to think the banks were in negotiation with the OFT as

to what goes up on the site but actually the defence is a public document. I'll post it up as soon as I get it.

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Well yet again the banks are idiots - who cares what they post on the OFT website. Anyone with interest will be able to obtain a copy from the court - this includes other banks - the only people who could actually make use of this 'commercially sensitive information'.

 

What this commercially sensitive information actually is is the tiny cost of processing a bank charge - but we know that anyway - Banks and OFT: stop stalling.

A £35 pound bank charge is not a charge for a service. Its theft.

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And why the hell are the OFT not publishing this public document - I mean - anyone who is interested is going to see the unedited version anyway - whos side are the OFT on here?

A £35 pound bank charge is not a charge for a service. Its theft.

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And why the hell are the OFT not publishing this public document - I mean - anyone who is interested is going to see the unedited version anyway - whos side are the OFT on here?[/quote]

 

Certainly not ours if the last few months are anything to go by..:-?

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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I emiled them for the price and sending the defence to me and got a price of,

 

I unable to email you the copies of that you have requested as we do not have the facility to do that at the moment. I can only send you the hardcopies of the documents via the post. So please can you provide the court with a postal address. And unfortunately have already sent those documents to our reprographics department for photocopying so as soon as I get it back which normally takes 48 hrs, will I be able to tell you the exact cost. I can pre-warn you that we do charge £5 for the first 10 pages & 50 pence there after per document.

so i think! its going to be around £4 if i am correct in thinking 50 pence per document then means each defence as there are 8 of them?

Hopefuly CRX250 will get a copy first, but we will get copies before they are published by the OFT anyway!!

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I too am very interested in getting sight of these docs as soon as possible. I have done the same thing, phoned the court, got the same story as other posteres and phoned and emailed the OFT. However, I have now seen the other posts on here and would be grateful if first person to receive unedited copies could post them on this thread. We also need to make sure that we get sight of any counterclaims issued by the Banks. Counterclaims are probably the reason why the OFT now wish to amend their own POC.

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I have received an email back regarding the price just as well i was sat down!!

 

 

The copies have come back & the full cost for your photocopying is £85.50 and the cheque should be made payable to HMCS ( Her Majesty Court Service

 

Yours Sincerely

 

 

I think i may need to do a pay per view lol!!!

 

I am going to send of the the un edited copy as the OFT defence when published i expect will be half as long as these ones.

 

I wont be able to post them on the site because there is approx 160 pages according to the price and i don't have the time to scan all the pages and post them.

 

If any member wants to do this i can get copies done and post them to an address for them if they cover the costs of the copys and postage, sorry but its the best i can do. If there was 20 -30 pages i would scan them and put them on a thread but 160 would take to long.

 

CRFX250 have you any idea when you will receive the PDF version as this would be a lot quicker to put on a thread, also just out of intrest i got a reply back from Sion Simon MP the guy on the Northen rock program last week, asking for my postal address so he can reply back in writing to me. I am guessing if i say where my address is which is 120 miles from where he is he will say to speak to my own MP?? or do you think he still might reply?? not emailed my address yet just thought i would see what you think first.

 

Thanks

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HI Bruce,

 

If you're going to order the full docs then I don't mind scanning them and posting them here. I'll happily send you a cheque for copies and postage. PM me with the amount I need to send you and address.

A £35 pound bank charge is not a charge for a service. Its theft.

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just a quick question - if the banks have not filed totally the same defence - or one of them makes a slip up in the wording could there be a different outcome from one bank to the other?

 

Or as it is OFT agaist all the banks named could there only be one decision?

 

Probably a stupid question - just curious

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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