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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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      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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lx direct/littlewoods DCA


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I have sent a CPR request to littlewoods and received all information back. Some information missing so sent another request. Most importantly they haven't enclosed a signed copy of a credit agreement now they haven't told me they dont have a true copy of this but I have found out when going through the enclosed CPR documents this. The last conversation I had with them on the telephone in January I said "I was waiting for a signed copy of my CCA" they didn't tell me this but its on the data form No signed cca held have been adv prev not a sars but on rechecking have been adv that sars req. file closed and passed to sars.

 

While this has been going on I keep getting letters from DCA's Moorcroft then Midaslegelservices and now debt managers ltd

 

I wrote to moorcroft enclosing a copy of the CRP letter I sent to littlewoods thats when it got passed on.

 

On one of the other data forms I got from my CPR request states that debt manager sold debt to phonix on 30/10/2007

 

Apart from some of the documents I requested missing which I have asked Littlewoods for again what else should I do. The last DCA Debt Managers Ltd keeps ringing me and sending letters. Where do I stand with all this?

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write back telling them to FO and point out reason why, also say that you do NOT expect to hear from them again as they are in breach of the data protection act.

 

to be honest it's a waist of your time keep requesting info. your goal should be getting it passed BACK down the line to OC or 1st DCA

also put in should they ignore your letter and continue to phone and threat you are within your legal rights to take court action against them for harassement under the protection of harassement act.

 

hopefully that will shut them up, you must be VERY firm in letter, use Bold and underlined as well to enhance you letter,

 

dont forget to put "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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OH YES if you dont know NEVER NEVER speak to them on the telephone, they have habit of telling porkie pies and shouting a little just to try con some dosh out of you

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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  • 1 month later...

Still haven't received all inforamtion requested - Littlewoods said I should get it by the end of April 2008. I also haven't heard from the DCA either which is good news. Anyway I decided to check my credit report with experian and it turns out that Legal Direct Recs (part of Littlewoods) have entered a default on my account in October 2007. Now I'm pretty sure I didn't sign any agreement I'm still waiting for them to send me a copy as proof. Can Littlewoods do this without me having signed a contract?

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  • 2 weeks later...

Its been a long battle but its good news!

 

After sending a CRP request and Littlewoods not full filling this request (missing details). Sent another letter asking for all the information they hadn't provided and I have just got a reply this morning, which states as they haven't a signed copy of this agreement they will not pursuing. I really wasn't expecting this out come. I have read other threads when this has happened but didn't think I would be so lucky. So a big thank you to everyone!

 

I need to read over the letter again as its 3 pages long and I may have missed some important details but what I can make out so far is they have said because the debt is classed as unsatisfied this will be noted on there internal files for future reference. This information will also form part of your records at the credit reference agencies and will remain on your file for 6 years. The absence of a signed agreement does not mean the debt does not exist, merely that it can not be enforced.

 

Is there anything I can about this?

 

Lizzy

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  • 2 months later...

Hi you have had the we cannot find you agreement we will not pursue letter. The next step from Littlewoods will be that they will put a second default on your account then set someone like Iqor (DCA) on you. They did this with me at end of last year. I wrote to them and got the normal we are right you are wrong reply. Complained to Financial Ombudsman Service, Littlewoods removed one of the defaults immediately and now FOS are recommending that Littlewoods remove the second default as Littlewoods have no agreement to default and the value of the default is incorrect(includes charges and interest applied). I am waiting to see what Littlewoods reply is to this recommendation from FOS.

 

My thread

 

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/80339-wife-littlewoods-ppi.html

 

dpick:)

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  • 3 weeks later...
:???: Morning, I am new and not sure what I am doing but could do with some advice please. I checked my credit file this morning as my bank said I had some adverse credit going back 3 addresses. Legal Direct Recs have put a default on my account on Oct 2007. I moved from this address in May 2006 owing nothing. What do I do to clear this up?? Thanks
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  • 1 month later...

Littlewoods debt has come back to haunt me!

 

After many months and Littlewoods agreeing not to pursue debt because I hadn't signed any agreement with them.

 

A few days ago I recieved a letter from Shop Direct saying that my debt has been passed to Lowells then the next day a letter from Lowells confirming the assignment has been passed over to them from shop direct.

 

Oddly both these letters come from the same place because they seem very similier in style and content.

 

Obviously they are chancing their luck as there is no signed agreement.

 

What do you think I should do?

 

Contact Shop Direct to confirm that they have passed my debt on even though they agreed not to pursue.

 

Contact Lowells informing them that Shop Direct have confirm in writing that they are not pursuing.

 

What I should have done at the time Shop Direct confrimed this was tried to get this debt taken off my credit status as a % of this debt is charges which if I hadn't signed an agreement it gives them no right to add fees to this account.

 

If I Knew this would come back and haunt me them I would have delt with it but at the time one less problem is a weight taken off ones shoulders.

 

Any information greatly appreciated....

 

PS The phone calls have started now!

 

Lizzy40

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Hi I had the same they passed me on to IQOR I sent copy of the we will not pursue with note to sod off to IQOR they did. I then complained to FOS, Littlewoods told them clerical error (I have seen that on about 20 different threads now.

 

dpick

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Littlewoods debt has come back to haunt me!

 

After many months and Littlewoods agreeing not to pursue debt because I hadn't signed any agreement with them.

 

A few days ago I recieved a letter from Shop Direct saying that my debt has been passed to Lowells then the next day a letter from Lowells confirming the assignment has been passed over to them from shop direct.

 

Oddly both these letters come from the same place because they seem very similier in style and content.

 

Obviously they are chancing their luck as there is no signed agreement.

 

What do you think I should do?

 

Contact Shop Direct to confirm that they have passed my debt on even though they agreed not to pursue.

 

Contact Lowells informing them that Shop Direct have confirm in writing that they are not pursuing.

 

What I should have done at the time Shop Direct confrimed this was tried to get this debt taken off my credit status as a % of this debt is charges which if I hadn't signed an agreement it gives them no right to add fees to this account.

 

If I Knew this would come back and haunt me them I would have delt with it but at the time one less problem is a weight taken off ones shoulders.

 

Any information greatly appreciated....

 

PS The phone calls have started now!

 

Lizzy40

 

Exactly the same happened to me.

Moorcroft sent it back to littllwoods some time ago then heard nothing from no one until the other day when Lowells got in touch,

Same MO - assignment letter and welcome letter both from the same address.

read the last few post on my thread - I think you will find it is the same situation

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/117270-alf-gus-moorcroft-now.html

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Hi

 

If a company agree not to presue always ask for the amount allegedly owed to be credited to your account, Do not agree to have it written off, write off's can be removed and the debt is then normaly sold on to dca's. A credit to an account is far more difficult to work around

Sam

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Hi

 

If a company agree not to presue always ask for the amount allegedly owed to be credited to your account, Do not agree to have it written off, write off's can be removed and the debt is then normaly sold on to dca's. A credit to an account is far more difficult to work around

Sam

 

Most interesting. I think this may be why I am being contacted again after being told they 'will no longer pusue the balance'

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Hi alfwithhair,

 

When debts are written off this is only an action on the computer, the balance on account stays the same, it is commen practice to write off debts and then after a period of time remove the write off and sell a bulk load of accounts to dca's, this is why so many people have debts resurface after 6 months to 5 years, the original creditor loses out by not persuing you but then re-coups some of its loses by selling on your debt by say 10p in the £1.00, a dca i know would happily write off debts to people that annoyed her on the phone as she knew they would come back and bite that person in the future, anyone that disputes an account and wins Must insist that the amount is credited and a final statment and account closed letter is sent as proof that the matter has been dropped, they will say that they cant do it but they can!

 

 

hope this helps

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  • 2 months later...

Wrote to littlewoods as they had sold my debt when they originally agreed not to persue.

 

They have admitted that my account had be assigned to lowells in error and they have requested to buy the debt back and to accept their opologies.

 

However they mention that this debt will stay on my credit file, any ideas how to get this off because I know they will again sell to another DCA in time?

 

I dont think Littlewoods have any right sharing my personal information with other companies I haven't signed anything for them to give them this right.

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