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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.
      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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how do i adjourn my case


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Hiya, Really helping someone can help me. We attended court on 30/06 re a SD, the case was adjourned as we were awaiting a SAR and CCA, and in addition Largo didn't really have any of their paper work sorted. We are now due back in court in 2 weeks time, but Largo still have responded to the request for the CCA. They are now in default so i have written a letter tonight (well used one of the brilliant ones from here) But im really paniking now, as what do i do if they dont respond? I really dont want to go to court again, the judge said that unless i came up with a better defence then he'd rule in Largos favour and id have to pay court costs. Thankyou ever so much for reading xx

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Not sure if it'll be the same for you, but when I tried to adjourn my hearing (as I'm still awaiting response to my S.A.R.) I was told I had to get consent from Largo. Well, I really couldn't be bothered with all that palaver. I'll just let my hearing go ahead as planned and it will likely be adjourned on the day, anyway. You could try to write to Largo stating your grounds for wanting to adjourn the hearing before you ask the court (who knows, they might agree), if it is the case that you need to get Largo's consent as well. I doubt they'll be able to cough up a valid credit agreement in any case so what difference would it make. If they had it they would have provided it already, wouldn't they? What was your actual defence then? What more could you add to it? Did you use any of the case law, relevant bits from other people's defences, quotes from the Consumer Credit Act etc that can be found on this forum in your defence? From what I've read on this forum, Largo won't have a leg to stand on without that elusive agreement. That is very much a defence in itself, I reckon. I'm sure someone far more experienced and qualified will be along soon who can advise you better on this, but we are sort of in the same boat here.

Every night and every morn, some to misery are born

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hiya vikingbird, thanks for your response. it was all a bit garbled on the day, we had received the SAR, and i told the judge that the debt was in dispute as one one debt more then 50% made up of charges which i have written to HSBC about. Due to the representative that Largo sent and the judge being quite pushy we didnt really have the oppotunity to mention the CCA. the thought of going back to court terrifies me.

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Did you submit a defence beforehand? Also, I'm sure I read in one of the Legal Successes threads that the dark side need to submit an affidavit as well for an SD set-aside hearing (just like I had to) and if they don't, they are not following court procedure. I might call the court to check if they have submitted anything yet. I'm worried the judge will be brusque, dismissive and pushy too. What if s/he doesn't bother reading my defence? I'm relying on my written defence completely as I know I'll be completely tongue-tied in court. It's only a few days away and I'm proper bricking it! And I'll be all alone too! Might bring a teddy bear for comfort.

Every night and every morn, some to misery are born

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i didnt complete a written defence last time. I received Largos a day before the case, and the court didnt have a copy. I havent managed to make any progress at all with my defence due to lack of CCA, so there i really would like the case adjourned.. just dont know if there are any special forms etc.

Good luck with your court hearing xx

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I suppose to do it the "proper" way you have to fill in a form (think it's called N244 or N422 or something like that) but then there will be a fee to pay. My local court said it was £40. I refused to pay that so I just e-mailed them my request. It was denied because I had not had consent from the dark side. So, in effect, my defence is based on no CCA being received. I am fairly confident that this is still going to be the case on the day of the hearing. They only have a few days left in which to produce the goods and it's looking less and less likely as the deadline looms. If I were you I'd start to compile a defence based on no CCA. At least you'd have something prepared to bring with you which will still be valid on the day of the hearing in the event of no CCA. 42man has sent me some excellent bits to use in such a defence (have a look at some of his posts on my "Hearing to have SD set aside thread" under "Legal Issues"). I compiled my defence based on these and just edited out the bits I didn't think were relevant to me and my case. It still ended up being 12 pages long;)! It's good for you that they haven't provided you with a CCA. If they did, you'd have to think of something else to use in your defence. When does your CCA or S.A.R. deadline expire?

Every night and every morn, some to misery are born

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hiya, yes i saw the response on your thread, and have copied it into word. I suppose it's about time i submit it soon as courts in two weeks. I have the SAR's, just no CCA's, the deadline expired on the 17th of July, so they've had the 14 working days and the additional 40 days, and nothing. I've written to them today via recorded delivery to highlight the fact the the debt is now non enforcable whilst the default continues and told them to withdraw all proceedings. Pretty sure that Largo will just ignore it. I've also didnt receive any lba, which im pretty sure that they should have issued? Whens your hearing?

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Hi ellie....if I am reading you correctly, you asked for them to provide the original CC agreement and they have not complied within 14 working days.....yes they are in default of s78(1) & (6), so cannot enforce without and .....if still not after further 30 days.....they have committed ana offence - is this not enough for the court to strike out on its own ??

 

:)

BeanPole :)

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i thought it was, but this wasn't the impression that i was given by the judge. The case is now in a weeks time, i have submitted my written defence and written to largo re the none compliance to CCA request. Absolutely terrified about going back to court :-(

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