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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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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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.
      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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help PLEASE for Mint CCJ claim


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anxious do you still require assistance ??, if so hit the red triangle again.

Edited by citizenB

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Hi Anxious

 

How are things. Have you heard anymore? Thanks for the defence you posted. Someone on the board said they would help me put a defence together but they no longer feel able to help. I sent off the cpr but didnt get a reply so my defence would be on the postage. I am worried if I send in the defence and it is wrong and I need to withdraw I will have to pay their costs? Do you know if that is the case anxious?

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  • 1 month later...

Good afternoon, I wonder if someone might be able to help with a bit of advice on standard disclosure. We have until Oct 16 to file these...I've had a look at N625 (I found it online the court didn't send us this form. The court just says to send 'a list of documents') and not sure exactly how to fill it in or what to do. The only documents we have are: copies of letters my partner sent to Mint, and copies of the documents they sent to us during this case ie: their so-called "agreement", default, termination notices etc. Should we include all these, as these will be things discussed in our case?

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  • 2 weeks later...

Hi, we received an offer for full and final settlement from their solicitors for about two-thirds of what they're claiming... I am thinking of writing to refuse, as we don't know anyone who has anywhere near that amount of money. Does anyone have a template letter to help me reply to them? Just want to make sure I get it right and don't damage our case:confused:

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Can anyone help with standard disclosure please, am really stuck?

The court papers states: "Each party shall give to the other party standard disclosure of documents by serving a list of documents."

Is this list anything like the proper form please:

 

* Letters from Mint to the defendant - nine letters dated *** to *** which include:

Letter dated ***response to CCA section 77/78 request including copies of: loan agreement form, application details, statement of account, terms and conditions, loan protection insurance policy.

Letter dated *** including loan statement

 

* Letters from solicitors to the defendant - ten letters dated *** to ***2009 which include:

Letter dated ****which includes copies of loan agreement, computerised activity report, Default Notice dated ****, Termination Notice dated ***, Statement of Arrears.

Letter dated *** containing proposed fast track directions

Letter dated *** containing amended particulars of claim

Letter dated ****containing reply to defence

 

Copies defendant's documents to the court

embarassment defence

Draft order for directions

AQ

Amended defence

 

Copies defendant's letters to Mint

***- reduced monthly income letter 1

*** reduced monthly income letter 2

** CCA section 77/78 request

 

Court's letters to defendant

Claim form

Notice of transfer

Notice defence filed

Standard order stay for settlement

2 X general form judgement order

Notice allocation to fast track

 

???:confused: Any advice greatly received.

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Hi anxious, you need to download this form

 

FORM N265

 

The post below is one andyorch had put on someone elses thread. HTH

 

Ok get the N265 on your screen and type in under the Section headed I have control of the documents etc etc I do not object to you inspecting them.The rest leave blank apart from the Disclosure statement complete that section also

 

1 Correspondence to Claimant dated xxxxxx

2 Response recieved from Claimant dated xxxxxx

3 CCA sec78 request dated XXXXX

4 Response to sec78 Request dated xxxx

 

Etc etc put them in story order of how you arrived at the Summons.Dont include Court documentation or anything the Claimant has already got.

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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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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EEK can someone help please!!

 

I think I've misunderstood standard disclosure. Are we supposed to be serving the N625 and list of documents just on the claimant, or to the court? Sorry am a bit confused.

 

It's supposed to be sent by 4pm today, but we haven't received anything from the claimant yet

:confused:

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  • 4 weeks later...

Good evening,

 

I have a question ... if the 'signature' is on a separate page to the prescribed terms does that mean its not a proper agreement?

 

And if a claimant doesn't have the original agreement, can it be enforced?

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  • 4 weeks later...

Can someone from the site team help me with this quick query please? My witness statement needs to be in today - and have just noticed we're supposed to say what should be treated as 'hearsay evidence'. Is this something I NEED to raise?... The issues in my WS - their 'credit agreement' was not signed by us, a DN was not served and a termination notice was sent without a DN - does not match their version of events. So if we're at odds is there any hearsay evidence at all?

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anxious, hearsay evidence is something that someone else says or does.

 

Ummm, example.

 

If you were to say in court.. citizenb said blablabla, that would be hearsay evidence as it is something that is not within your own knowledge.

 

 

HEARSAY EVIDENCE.

 

1. The evidence of those who relate, not what they know themselves, but what they have heard from others.

2. As a general rule, hearsay evidence of a fact is not admissible. If any fact is to be substantiated against a person, it ought to be proved in his presence by the testimony of a witness sworn or affirmed to speak the truth.

 

Does that help ?

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There is an example of hearsay evidence in the following post.

 

the poster had asked in their witness statement to have the Bank's Witness in court to confirm the statement they had made. Apparently this isnt possible, so the actual witness statement would be classified as "hearsay"

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2639670.html

 

HTH

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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wonderful thank you! Getting near to handing in time now, which is bit nerve-wracking

 

Yep, it surely is. All you can do is prepare as best you can and get in a few relaxation classed in between times :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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