Jump to content


  • Tweets

  • Posts

    • 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.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Final Notice from BCW! Advice Please.


xuxu
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6000 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Basically a few years ago I received a letter from Aktiv Kapital asking me to pay so £3000 for a debt I had over 6 years ago, I knew this was statute barred and I sent the template letter telling them it has been over 6 years and I never contacted them so I am not paying and do not admit to owing the money.

 

They left me alone for a few years until now.

 

Buchanan Clark + Wells now sent me 2 letters and the last one with a Final Notice saying that unless I pay they will take court action.

 

Also this debt is not in my credit records at all as I checked.

 

Can they give me a bad credit if they go to court?

 

I have ignored them, should I reply?

 

Any advice what to do?

 

Thanks

Link to post
Share on other sites

Send BCW a Statute barred letter as well.

Should make them back off, if not shout and we'll help.

 

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Hi, Thanks for the quick reply and useful info.

 

I have now sent the letter as you said via recorded delivery to make sure they get it.

 

I am just worried they will give me a bad credit as my file is currently clean with no problems.

Link to post
Share on other sites

BCW has put a note of trace on my CRA file they have put their name on it despite them saying that they were collecting the debt for their client Thames Credit. After I sent them a CCR request they wrote back stating that they have placed the debt on hold and have asked their client to forward the documents directly to me. As of the 30 August they have committee a criminal offense by not sending me the required documents as well as selling on the debt on to ScottCal, I have completely ignored the numerous of letters from ScottCAll stating that they now own the debt. I am awaiting an amended CRA report from Equifax and one from Experian. I do not know what will be on the Experian report until I received but as I sent them a £2.00 by recorded delivery I expect I will have to wait for a while as they seemed to want people to do everything over the internet because they can charge more for it, they are a money making machine in charge of all our data and they are obviously look after their friends DCAs. :rolleyes:

Link to post
Share on other sites

Allwood, BCW did the same to us - Trace on Equifax, the day they received my CCA request. They were, the said, 'agents' for TSB - something deeply wrong about it. They were hounding me, I sent them CCA request, day of receipt of same, they put a 'trace' on mine and hubby's credit file with Equifax. This was in June. No mention of this on Experian's credit reports, no further details of 'trace' on Equifax when I SAR'd Equifax.

This whole 'business' is deeply deeply dodgy.

BCW didn't bother to tell me they couldn't provide CCA. Until I requested their complaints procedure.

So how did they access our credit reports from Equifax? Who gave them permission? Currently with Information Commissioner.

Good luck xuxu - you'll get good advice here :) Sorry to wander off thread.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Sosumi when I phone the international number yesterday to speak to someone about my file at Equifax, I asked the person there call Lynn about the trace on my file by BCW and asked if this was legal and what was needed for the BCW to have produced to get that trace onto my file she told me that they would have to all the necessary documents for them to put the trace on my record. Now if BCW had all these documents why did they not send them to me when I asked them to produce to me by way of a CCA back in July remembering that the trace went on in June, something is very wrong here with these companies having all our data how do we know what they are going to do with it. Who is keeping an eye on them?????:mad:

Link to post
Share on other sites

Sosumi when I phone the international number yesterday to speak to someone about my file at Equifax, I asked the person there call Lynn about the trace on my file by BCW and asked if this was legal and what was needed for the BCW to have produced to get that trace onto my file she told me that they would have to all the necessary documents for them to put the trace on my record. Now if BCW had all these documents why did they not send them to me when I asked them to produce to me by way of a CCA back in July remembering that the trace went on in June, something is very wrong here with these companies having all our data how do we know what they are going to do with it. Who is keeping an eye on them?????:mad:

Yes I agree Allwood. I'm going to go back to that CAG S.A.R - (Subject Access Request) thread soon, I think this really needs investigating. I've been holding back to hear from the Information Commissioner, but these 'agencies' (like BCW) appear to have 'rights' to access our personal data with very dubious credentials. Strikes me that something very uncomfortable is going on.

xuxu - the honest answer is I don't know. The more I learn, the more I wonder about Credit Reference Agencies. :evil:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

UPDATE:

 

After sending BCW a Statute barred letter as advised they replied saying:

 

"Thank you for your recent letter

 

I can confirm that we have passed the contents on to our client and have closed our file in this matter."

 

 

So I guess they wont bother me for now. :)

Link to post
Share on other sites

UPDATE:

 

After sending BCW a Statute barred letter as advised they replied saying:

 

"Thank you for your recent letter

 

I can confirm that we have passed the contents on to our client and have closed our file in this matter."

 

 

So I guess they wont bother me for now. :)

Great news xuxu! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...