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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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Another one...Lowell


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Hi i'm new here and could really do with some advice.

 

My ex and i took out a joint loan 2002/2003, due to circumstances we stopped paying this loan late 2004. We went our own ways and we never heard anything. Last yr my ex got copy of his credit record and raised and phoned bank regarding debt. It never went any further. Then last week he phoned to say Lowell had written to him and threatened court action unless we paid. I've written to Lowell to request cca as weve not heard anything from bank in years. They recieved letter on 28th Nov. Question 1 was this the right thing to do and If so how long do i give them considering its christmas. What is the next step as i'm getting grief from ex his mum and now my mum. Anyone please help.

 

Thanks

P.s 28 wks pregnant and really want to get this sorted asap

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They have 12 working days from the day after they received the request, if they do not produce it within this time frame then they cannot take any action against you until they do, if a further calendar month passes (30 days, 31 if ending on a sunday) and they continue to chase for payment its then a criminal offense that they commit , i would just sit tight and see what they come up with, by sending the cca request you have put the matter in dispute, you did include the statutory £1 fee (postal order) didnt you?

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Thanks for your help Boro. Really appreciate it.

 

Just another thought, if they cant provide the cca thats been requested and then the month passes what happens to your credit rating will they change it or will loan stay as unsettled/defaulted till 6 yrs is up?

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  • 2 weeks later...

Hi

They are still within the 30 time limit and still no response what so ever. Not even a confirmation letter about cca. Was just wondering if they do not provide anything by end of 30 days what sort of figure would people suggest as a full and final. I myself would personally leave it untill they can enforce it, but my ex and his nasty mother wants it down as settled on his credit file. I have no money so was hoping as little as possible. Any suggestions greatly recieved.

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  • 2 weeks later...

I'm still waiting for something from Lowells, after reading some of the other threads im finding it very odd that they have not replied in any way whatso ever. I have never had anything in post myself it was my ex that got original 2 letters but even he hasn't had anything either. Has this happened before? Just really nervous as debt is a large amount can't see them giving in so easily.

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Lowell are known for chasing unenforceable debts, though not always. I would suggest that the lack of reply is good news. When I sent them CCA letters for two of my cards they finally responded to say that they could not find agreements and were passing the account back to the original creditor. In both cases this was about six months ago and I have heard nothing more.

 

No news is good news IMO:)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks Goldlady, it's a really stressing me this one. If it was just me i'd be happy to just leave it at that and sit back and wait but my ex is not so happy to do that and as for his mother well. If they pass debt back to original creditor can i cca them? Ex wants this down as settled on his credit file. Or can i go to lowells once 30 days is up and try to agree something with them?

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Lowells will pass the CCA request back to the original creditor. They have to do that. Once you have sent it under normal circumstances you can sit back and wait.

 

I don't think there is much else you can do at the moment. Also, presumably your ex is responsible for the debt as much as you are and in your delicate situation you don't need all this hassle.

 

It seems likely that the debt is unenforceable if they haven't sent your agreement winging back by return of post. However the default will sit on your credit file for 6 years - some people have managed to get them removed but it is a fight.

 

The CCA request will apply to both of you IMO.

 

Assuming it is enforceable why should you have to sort it out on your own? Haven't you got enough to cope with?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks Goldlady, yep i have got enough on at the moment. My ex is responsible for half of this, he got the letter and was ready to pay up and was wanting me to do same. His mum had watched tv and told him her flat (that he lives in) will be repossed blah blah blah blah, their scare tatics worked. I'm not saying that i would never pay this debt back but their are ways and means of doing these things and the amount they want i cant just magic up. Thanks for your support.

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Thanks Goldlady, it's a really stressing me this one. If it was just me i'd be happy to just leave it at that and sit back and wait but my ex is not so happy to do that and as for his mother well. If they pass debt back to original creditor can i cca them? Ex wants this down as settled on his credit file. Or can i go to lowells once 30 days is up and try to agree something with them?

 

Partial settlement is not good for a credit file. Also, if they don't satisfy a C.C.A. request you will still have a fiight on your hands to get them to remove a default. This would likely involve court.

What sort of world do you want your kids to grow up in?

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I am having a Baldrick moment - a cunning plan. Might be that they would be delighted to accept ex OH's offer of half the debt in full and final settlement - particularly if there is no enforceable agreement. Just a thought:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks for your posts. I'm not sure if anything has been entered onto credit file since we stopped paying bank about 4 1/2 yrs ago. In process of obtaining my report but silly me got married and they are having problems deciding if i am who i say i am.

 

As for full and final thats what i was going to go for next just not sure on how much % to offer. Oh and hope they havent already passed it back.

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I am having a Baldrick moment - a cunning plan. Might be that they would be delighted to accept ex OH's offer of half the debt in full and final settlement - particularly if there is no enforceable agreement. Just a thought:D

 

I'd have the best lawyers in the land scrutinise it lol. :D :D :D They probably say yes and then still mark it as partially settled. Wouldn't surprise me in the slightest.

What sort of world do you want your kids to grow up in?

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  • 3 weeks later...

Ok so time is up for cca request and i've had nothing not even an acknowledgement. I'm now in the postition where i have to offer full and final settlement, ex still wants it down as settled. Was just wondering how i word a letter, not too good at that. Do i point out their failure to provide cca stuff and then offer them payment? Any help would be gratefully appreciated, this is really starting to get me down.

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If I was in your situation I would send them a letter along the lines of the 'no valid CCA' ones that our resident experts have in their libraries but then add that as a 'gesture of goodwill' you are prepared to settle for a lesser amount and ask them what they would accept in ffs?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

Have a look in here - as I said above I think you might need to combine more than one of the letters. Hope that helps.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 1 month later...

Just a quick update. After not hearing from lowell i wrote to them reminding them what they had recieved from me and requested that they told me where they currently stood with the account. Gave em 14 days to reply. To my shock they did and guess what they have no paperwork and neither does bank so they have dropped it. Goodbye lowell. Still cant believe they rolled over so quickly considering the amount they were after. Thanks for all your help. xx

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