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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.
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    • 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.

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      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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citi- not responding at all **WON**


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hi to you all,

i am suprised at the way citi are dealing with these cases.

have added all my charges, plus interest and sent them requests for repayment.

have not heard or recieved any replies at all.

sent them final lba xmas and now going to issue court papers against them.

Oxford county court is listing all credit card cases as i have filed and won against crap1

reading the threads citi fight more than the others then?

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Citi will fight tooth and nail and try every trick in the book not to pay out, but if you stick to your guns eventually they will.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hi,

nothing at all from citi, have checked to make sure they have signed for the letters.

3 lba letters sent and not even a reply. going to issue court papers soon , just wondering if to do stat 8% or ci rate ,

has anybody had any success with ci???

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Heard that all money claim filed claims are being stayed, so hopefully you've gone the N1 route.

 

Get in touch with me when you receive an allocation questionnaire as i'll have a few things for you to submit at this time.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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thanks enron, just recieved the letter from the court to say it is being served, so will keep you posted.

yes i did n1 route and oxford court is not staying these cases at the moment.

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Let me know how you get on.

 

From the point of view to Citi claims, you should be able to effectively argue against a stay.

 

The current court case relatves purely to current bank account overdraft charges, and not credit card charges. On the issue of CC charges there is already an OFT report in place, which the defendant has obided by in lowering its charge to £12 per default.

 

The issue here is whether the charge of £12 which is at the maximum level outlined by the OFT is an accurate reflection of the defendants costs. And the fact that the conflicting cost pre-estimates submitted to courts by the defendant need further exploration by means of a full breakdown of the figures used as a basis to calculate the pre-estimates. (for which the draft orders serve this quite well).

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 2 weeks later...

sorry gizmo and enron have overlooked this lately while waiting for a response to court papers.

they have until friday the 25th jan to acknowledge the claim.

the address i sent the requests to was citi cards, po box 54, Salford, Manchester. M5 3BP

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The PO Box goes directly to their Salford Offices, as i've got headed note paper from Mr.Brian Smith with both addresses on.

 

Request judgement on the 26th Jan if you hear nothing from them.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi Oggy1,

 

It appears I'm in a similar position to you.

 

I was awarded judgement by default but then the court pointed out that because I'd given them the PO Box address it may not be enforceable. Has this happened to you?

 

I'm also trying to fight off them setting aside the case.

 

Have you got any updates on your case?

 

PatsyTheCat x

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  • 3 weeks later...

have just recieved a letter and payment from citi.

 

the payment is only a small part of the claim and they say they are not paying interest eeven though court papers have been issued and the amount they have paid is the balance between £25.00 chages and the £12.00 they are now allowed.

 

i am sending the cheque back and informing them that the whole amount is due plus interest and costs.

 

any comments would be welcome.

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I like it,

 

I had a case against pixmani where they owed me for the item I returned under their guarantee + court costs + interest and other costs.

 

they initially (in the final days) sent me just the cost of the item, and said that's all they would send and its the F&F offer and would I instruct the courts to stop the action, I wrote back saying to send the remainder that I am claiming for otherwise I would continue with the action, of course within a couple days I had received complete and full payment :)..

 

They wouldn't pay anything unless they know they have to .. so go for it :)..., they wont risk a CCJ for a few quid, they are just trying to score some points back I think.

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thanks kev , i hope so because the case has started they will have to refund costs etc, i wonder what they will think when the cheque gets returned.

congrats on getting your claim sorted.

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Just send it back, its a standard Citi tactic.

 

Likewise they'll also include text from a judgement in their favour when you get the bundle from them. Another scare tactic which doesn't amount to anything, as previous claims don't set a legal precident.

 

Its likely that they'll go all the way to the hearing, and risk incurring the CCJ.... but let me know when you get to AQ stage as i'll have alot of stuff for you then.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...

rang the court today as i had not heard anything and citi did not file any defence at all and the court manager advised me to flie for judgement asap.

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Good. Go for it, but don't be surprised if Citi, on receipt of the judgment notification, apply for a setaside. They frequently do this and sometimes get away with it.

 

Let's hope you're fortunate and they cough up.:)

 

Els

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Exactly what I thought.

 

Citi have a habit of losing mail at what could be considerred a conveinent time.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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