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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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Davey77 vs Capital One *** WON ***


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Thanks very much for that Davey - I really wish I'd read it before sending my letter to get my balance zeroed by BOS this morning.

 

I was perfectly happy with them an hour ago, now I've read yours though I see I could have done so much better:rolleyes:

Time flies like an arrow...

Fruit flies like a banana.

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Thanks folks..

 

ah you always believe more could have been said or done but i read the letter and I'm sure they will get the point totally! :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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The most important thing was the judge's words in the directions "the original documents shall be brought to the hearing",

This is the thing they cant get around, when they don't have documents complying with the CCA, and its this which should be pushed for in all these cases IMO

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Quite so CCM. Just shows.. don't always ask over and over again under the CCA s78. Leave that out.. ask for the Full Original Document in it's unaltered form and any documents referred to within it. And when the OC writes back saying, "we have supplied your agreement and we have nothing further to send you", that can be a very useful tool later. Although many don't realise it at the time (as i surely didn't.)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Excellent work davey. I did have a good chuckle when after knocking Ms Starr's witness statement into the middle of the stratosphere, the next letter you receive is one saying she has gone on longer term sick leave !!. :D

 

Fantastic work and a result well deserved.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks CB!

 

I think the 'sick leave' came before the witness statement?.. which means she became ill before she started having to write to me again. ermm yes, ok. Yeah, not often i make women sick.. but, it happens! :rolleyes:

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Very interesting post on steps you took with cap1 re court action! Attached information no doubt will be very useful to many considering the same.

 

it has been helpful to me as I intend to do the same, have already sent a cca and recieved the usual rubbish. I have just replied requesting the original under CPR as I feel it will end up in litigation. Not heard anything back yet but I have to be patient with the CPR requests. It has also helped with my case against jd williams. Many thanks davey77

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Very pleased to hear if any of my info has helped the innocent fight the evildoers. Thanks folks! :)

  • Haha 1

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Congratulations, Davey.

 

You will be giving such hope to all of us being harassed by capone.

 

Thanks for everything you have posted here. I am in a similar situation with Capone, although I am somewhat bemused: They have so far (apart from the current T&Cs) sent me a copy of the signature box and my name and address at the top of an application form, but that is totally it. Their own address isn't even on what they have sent me, so how can I actually know that they are a 'real' company? (I know they have a registered office.)

 

What with Wendy on 'sick leave', and Ellie Renshaw who is rumoured not to exist at all, is there actually an office in Nottingham? Has anyone ever checked? Maybe they work from a back bedroom somewhere that we will never know about!!!!!!!!!!

 

Bemused, but thrilled for you,

 

DD.

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Thanks DD.

 

I think they have offices there, they just like to make people up. The BBC threatograms in relation to 'you have not paid your TV licence' show similar anomalies.

 

Have you got a Cap1 thread?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I am sure they actually do have offices in Nottingham! :) And various offices in India :D

 

I haven't started a thread on this yet because there is nothing to report apart from what I have said above. In the meantime, I am reporting what I get on Sunflower's. She is happy with that - lots of us are on there sharing info - (the official Capone Fan Club thread). If I ever get anything other than a signature box and the usual letters from the Capone/Debitas LEGAL!!!!!!! :D Services, I'll start my own thread, but have got others at the moment, and I'm only starting threads when there is something interesting happening.

 

Again, that was a brilliant result!!

 

DD

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About the 3rd quarter last year, they were said to be making huge redundancies at their call center, so probably have closed it by now.

 

The talk at the time was of passing the calls to india, but i think they may not even be able to afford that.

 

This is a pathetic, arrogant american company, who never had any regard for english law, much less the CCA, so didn't bother having proper agreements, which is why they can never produce them now.

 

Anyone who CCAs them get the standard Cap1 rubbish, completely unenforceable, (pre 2004 anyhow)

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 2 weeks later...

OK, This is really getting on my nerves now! I do believe Cap1 are attempting to renege on their email settlement details. What's the next letter going to be? "You haven't paid this month, please call?!" Certainly never thought i would hear from Verity again.

Cap1-2.jpg

 

The letter they are replying to is:

 

" Thank you for your correspondence dated 10 January 2009 but I’m afraid it does not adequately fulfil my request for full settlement details and includes some inaccuracies.

 

Settlement was reached with Wendy Starr of Capital One’s Legal Dept via email on the 5th December 2008 and not the 10th May 2008 as your letter stated. I enclose a copy of that email for your reference.

 

With this information in mind would you kindly write to the above address enclosing all settlement details as per that email (including account number, amounts involved and CRA steps to be taken) at the earliest opportunity.

 

 

Thank you.

Davey"

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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That's ridiculous!

 

They really don't know what is going on from one department to the next do they? Surely there are notes on your account?!

 

How about a quick letter along the lines of -

 

Please find enclosed a copy of an email recieved by me from Wendy Starr, and my subsequent reply.

 

The only person who should be contacting me is Ms Starr (or whoever).

 

Do not contact me again, as the account has been settled.

 

Only composed a little better:)

 

Does your account still show with money owing or have they actually taken it to 0? (sorry, I've forgotten, brain like a sieve at the moment:D) I'm just trying to remember if this was to get closure so there's no way they can back out, or to actually get them to do something.

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Yes i am composing a letter now :) With the last letter to Ade Potts i enclosed a copy of the email from Wendy Starr along with the Header information showing the route the email took to reach me (and therefore was valid.)

 

That's the other issue. Upon checking the Credit File i find they have only marked it 'satisfied'. It still shows £1,500 and a default! If they kept their word it should state ZERO/Settled.

Just trying to find out if an email is legally binding or not tho. (Will probably add that to the letter even if i am not sure) ;)

 

I will give them one more chance and 14 days. Otherwise it's the ICO and the FOS. Loath to go to the FOS but this could be something they actually don't mind looking at. Hoping the threat of a £450 charge via an FOS complaint will be enough to get Cap1 to see sense.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Just had a quick looksee about the email aspect...

 

From a solicitors website

 

What are the most common legal problems with using email?

A. Because emails are easy to send, and often seem less formal than traditional business documents, it is not uncommon for people to send ill-advised messages. In addition, such emails can be quickly circulated to a wide audience, and are easily stored and used as evidence. All businesses are 'vicariously liable' for the actions of their employees, and your business is likely to be held liable for emails sent by employees.

 

One of the commonest problem is inappropriate content - for example, messages containing sexual or racial abuse, or libellous statements. Even the tone of an internal email - often blunt and impersonal - could create a hostile working environment and lead to claims for stress, discrimination or harassment. As a simple rule, do not send or forward emails that could be illegal, offensive or discriminatory.

 

A further problem is that some employees do not realise that the emails can create contractually binding commitments, or form part of a contractual agreement.

 

Also this site Acas - Advice leaflet - Internet and e-mail policies states that

 

E-mail

As well as the many benefits of e-mail, it is essential that all workers in an organisation realise the following potential pitfalls:

 

  • it is not an informal communication tool, but has the same authority as any other communication to and from the organisation

 

  • external e-mails should have disclaimers attached

 

  • it should be regarded as published information

 

  • e-mails are not confidential, and can be read by anyone given sufficient levels of expertise

 

  • binding contracts may be inadvertently created

So I'd go with yes, they can be.

Time flies like an arrow...

Fruit flies like a banana.

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Found some info on emails here:

Acas - Advice leaflet - Internet and e-mail policies

 

"E-mail:

 

As well as the many benefits of e-mail, it is essential that all workers in an organisation realise the following potential pitfalls

 

 

 

it is not an informal communication tool, but has the same authority as any other communication to and from the organisation

 

 

binding contracts may be inadvertently created

 

Contract law"

 

It is just as possible to make a legally binding contract via e-mail as it is by letter or orally.

 

http://www.consumeractiongroup.co.uk/forum/general/102699-how-legally-binding-their.html

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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That's the other issue. Upon checking the Credit File i find they have only marked it 'satisfied'. It still shows £1,500 and a default! If they kept their word it should state ZERO/Settled.

 

They are unbelievable really aren't they. Why do they think they can do this?

Time flies like an arrow...

Fruit flies like a banana.

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oh thanks Lexis! You have extra info there although we almost match lol Brilliant. I will add that to the letter ;)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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They are big and powerful and they follow no regulations or laws in the pursuit of $$$. :(

 

I like this quote "All businesses are 'vicariously liable' for the actions of their employees, and your business is likely to be held liable for emails sent by employees".

That will come in handy!

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hehe

 

Great minds and all that:D:D

 

Very true! ;)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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