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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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Esile Vs Barclaycard (3**6)


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Hi this is my second thread of the day!

 

I am new to all this and have received my first 2 CCA replies back today. I think I am supposed to start a new thread for each one (I hope so!). So here is my next....

 

From what (I think) I have learnt from this wonderful site they have just sent me a copy of their t & C's from 1997. There were no details I needed to delete!!! Except in the covering letter.

 

So I'm pretty sure what they have sent me is no good but what do they mean in the covering letter that they will be sending a copy of my current agreement seperately?

 

Barc 3 6 pictures by cupcake62 - Photobucket

 

Thank you x

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Looking at these, Barclaycard have complied with s78 of the Consumer Credit Act 1974.

 

However, these documents couldn't be enforced by the courts as I don't see where your signature could possibly be.

 

Please be mindful though that they may have the original copy of the agreement tucked away somewhere.

 

It would be advisable for you to read the threads that I posted in your first thread about the enforcibilty of CCA's.

 

Was this account applied for online or by completing an application form ?

 

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Thanks for the advice?

 

I will keep reading the threads! What would you advise next? Being that there are no personal details is this not just a file copy of their terms from 1997 when the card was taken out?

 

Should I write back asking them to supply me with a true copy with my agreed terms?

 

What about the fact that there is no links to the pages? and half of page 3 is upside down? Does that lead us to believe it is a cut and paste?

 

Sorry to seem dumb but I have picked up so many little bits of information on here I am finding it hard to be sure!

 

This was an application made via a postal form not online.

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If it was a postal application you would have needed to sign a form of some description. If it was an online application, the a tick in a box will suffice as a "signature"

 

As they have not sent a signed document, the odds sway towards them not having the original document.

 

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I am sure it was a postal application. I didn't even have internet in 1997 (I'm not sure but guessing that was when I took it out as that is the date of the t & c's they sent today).

 

So do I write to ask them to supply a signed agreement? Or do I just tell them when they chase I believe the agreement is not enforceable?

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Can someone please advise me on this thread?

 

I do not know if I should be writing back to them or just waiting until the 12+2 days is up then writing to say it's not enforceable.

 

Thanks

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Thanks 42man

 

Should I send this letter now? Their covering letter said I would be receiving my current agreement by seperate cover. Should I wait to see what they send?

 

Thanks again!

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Just an update!

 

I sent the letter suggested by 42man along with a telephone harrassment letter by recorded delivery yesterday.

 

Today I received the 2nd part of their terms and conditions as their first letter suggested.

 

They look to me like a current set of T and C's.

 

I am posting them just in case. Barc 3 6 pictures by cupcake62 - Photobucket

 

I will wait to hear from them re yesterdays letter unless anyone thinks I should do anything else?!

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  • 2 months later...

Hi guys!

 

Here is the DN received from Mercers on behalf of barclays YOU BARC 65 DN rec 020609 pictures by cupcake62 - Photobucket

 

I believe this is defective because it is from Mercers and not Barclays so I am just waiting for them to terminate.

 

Unless someone has another opinion?

 

Many thanks

 

CC68

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Hi guys!

 

Here is the DN received from Mercers on behalf of barclays YOU BARC 65 DN rec 020609 pictures by cupcake62 - Photobucket

 

I believe this is defective because it is from Mercers and not Barclays so I am just waiting for them to terminate.

 

Unless someone has another opinion?

 

Many thanks

 

CC68

 

Not only is the original creditors address missing from this letter but also they've shortchanged you on the number of days to rectify.

 

Sent Friday the 29th, service isnt deemed by 1st class post until 2nd working day after which is Tuesday 2nd June so 14 days starts from the day after this according to regs, takes you up to 17th June for rectify date.

 

S.

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Hi CC,

 

As The shadow and Havinastella has pointed out, the Default Notice is not written in the correct formatting. I'm sure you will probably have read a Banker_Rhymes_With post on this.

 

Keep going and good luck.

 

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  • 3 weeks later...

Hi

 

I have had a letter from Scotcall today.

 

The account number they quote is not the same as my acc number but very similar. They seem to have lost the last couple of digits and added a couple more in the middle!!

 

Do I need to reply to them?

 

Thanks

 

CC68

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  • 2 months later...

Hi SS

 

I am satisfied at the moment to be just keeping them at bay but yes I would like to think that we might get to the end of it someday.

 

I have considered CPR 31.16 but haven't done anything abut it yet.

 

I just keep thanking my lucky stars that we have survived this long, before I found this site I assumed we would be in a cardboard box by July!!

 

CC68

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  • 2 months later...

I have today received a letter from Power to contact

 

I have 2 barclaycard accounts and I'm not sure which one they are meaning as they have not put my card number on their letter.

 

Should I send them the bemused style letter along with the no home visits letter (as that is what they are threatening!)

 

Do I just put their ref on the letter or should I be awkward and say I do not recognise this account number?

 

Thanks

 

Cupcake

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I have today received a letter from Power to contact

 

I have 2 barclaycard accounts and I'm not sure which one they are meaning as they have not put my card number on their letter.

 

Should I send them the bemused style letter along with the no home visits letter (as that is what they are threatening!)

 

Do I just put their ref on the letter or should I be awkward and say I do not recognise this account number?

 

Thanks

 

Cupcake

 

Well you could clearly send them a letter with all three but that would confuse them :-D

 

I personally would send the bemused letter with the bits about no home visits included. Reading the threads it seems to be pot luck whether they will actually send someone round, probably 1 in 10 get someone come when threatened.

 

S.

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