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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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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.
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      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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Telephone harassment from Egg, anyone???


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  • 1 year later...
  • 1 year later...

We are now reviewing and recommending the Truecall call recorder. See:- http://www.consumeractiongroup.co.uk/forum/telephone-recorders-reviews-write/167120-truecall-digital-telephone-recorder.html

 

This machine is a bit pricey but does everything and more.

However, there are other cheaper options available. The most important thing is to get some kind of call recorder and start gathering your evidence

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  • 1 year later...

Can you help me, I have been getting calls to work on a daily basis and I only work 3 days a week, when I come in after my days off there is often a pile of messages say " Personal call from Joanne please call her back " and the 0845 number, this is bad enough but yesterday I was away from my desk training and my colleague got a call from HFC Bank and the girl on the phone asked for me, when my colleague said I was away from my desk she quizzed him over my working hours, then she said its funny i am always away from my desk and could he put her through to my direct manager !!! At this my colleague, thinking it was a complaint for me to deal with came and got me, I told the girl who i was and she said I knew you were at your desk, when I asked her why she wanted to speak to my manager- she said to get them to get me to phone them back !! is this legal?? I was hugely embarressed and found this extremely vindictive and I want to know how to complain to HFC Bank - they confirmed to me the call was recorded. I missed last months payment on my loan and the next payment is due - I fully intend to pay the arrears but I would have had some deep explaining to do if my manager had got the call!!

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Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

Good luck and don't let them beat you. If you have any further questions just ask.

8-)

Can you help me, I have been getting calls to work on a daily basis and I only work 3 days a week, when I come in after my days off there is often a pile of messages say " Personal call from Joanne please call her back " and the 0845 number, this is bad enough but yesterday I was away from my desk training and my colleague got a call from HFC Bank and the girl on the phone asked for me, when my colleague said I was away from my desk she quizzed him over my working hours, then she said its funny i am always away from my desk and could he put her through to my direct manager !!! At this my colleague, thinking it was a complaint for me to deal with came and got me, I told the girl who i was and she said I knew you were at your desk, when I asked her why she wanted to speak to my manager- she said to get them to get me to phone them back !! is this legal?? I was hugely embarressed and found this extremely vindictive and I want to know how to complain to HFC Bank - they confirmed to me the call was recorded. I missed last months payment on my loan and the next payment is due - I fully intend to pay the arrears but I would have had some deep explaining to do if my manager had got the call!!
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Hi again also write about the way she spoke asking to speak to your manager. It should be recorded as their phone calls are recorded. I don't know if you can ask for compensation for harassment but put an official complaint to their Head Office. There is no way they should do this to your place of work - it's harassment and could have got you into deep trouble at work.

Let me know how you get on. Good luck.

Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

Good luck and don't let them beat you. If you have any further questions just ask.

8-)

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Hi

 

re the telephone harassment at work. My Oh had a similar experience this week.

 

I complained to Consumer Direct who were very helpful and gave me a reference no.

 

I sent a letter recorded delivery including:

 

" You have telephoned me at work in a manner that appears to breach Office of Fair Trading and other regulatory bodies’ guidelines. I have verbally requested that you cease this breach; I reiterate that now. Your telephone calls have the effect of psychological harassment and act in a way that is likely to be publically embarrassing to me. Your telephone calls may jeopardise my continued employment and result in significant financial loss.

Should you choose to continue to breach regulatory guidelines and UK and EU law by telephoning me at work I will report your activities to the Office of Fair Trading, the Financial Ombudsmen Service and other relevant agencies.

I have made an initial report today to Consumer Direct regarding your activities (Ref no: xxx) who have advised me to request a reply from you within fourteen working days prior to contacting them again to escalate this complaint.

Meanwhile I should be grateful if you would send me a copy of your complaints procedure.

I look forward to hearing from you in writing as soon as possible."

 

Keep fighting.

 

best wishes

 

vic

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