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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.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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JBDR?? anyone heard of these?


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Just started to get a few phone calls to my landline for my girlfriend for a debt from about 3 years ago. Just wanted to know if anyone have heard of JBDR and what I will be dealing with.

 

So far it's phone calls to the landline which is in my name and her mobile. I've told them she does not live with me and they ask me to ask her to contact them. Basically she is living with me but just want to know if they could find this address and prove that she actually lives here.

 

My rent is paid and includes the council tax and all bills inclusive. Not on the electral roll either. Recently she got a Vanquis credit card so obviously this is where they got her phone numbers when the credit check was done. I know CRA's and DCA's are in cohoots with one another.

 

Any help would be much appreciated, the last phone call I got was this morning and I refused to give details on where she was living, the kind woman said "we will find her anyway" then promptly hung up.

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The very first paragraph of their drivel.

 

Write-Off Debt Recovery

 

The JBDR knowledge base places us in a prime position to collect on behalf of debt purchase companies, post legal accounts and statute barred debt. Our strategy is suited to the particular history of these categories of debt. Again, address verification and tracing will play an important part in contributing to the successful collection of these accounts.

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This might be similar to my debt with HFO. She has made payments to Lowell for this debt 2 years ago and paid them £30 a month for a year. but the original credit card was from 2000, so this debt could of been statute barred already by 2007. Need more info from her. If it was not already barred then we will have to do the other route and ask for a CCA if they have one. It's been passed to them from Lowell.

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JB Debt Recovery

 

SAM:pLOWELL DETESTER

 

Thanks Sam,

 

Interesting reading, like the "out of the box" thinking amongst its staff, more like "out of their box"

 

I really have a hatred of these DCA now, it's not the fact they are collecting money, which in all fairness is the right thing to do but it's the way they do it. The manner in which they approach and talk to you over the phone or in letters.

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  • 1 year later...

Long time since the last update on this but it's raised it's ugly head again. The actual debt is with HSBC and is from 2000 for 5 grand. Obviously the original debt was about 2k but they have added loads on.

 

The debt is now with Lowell again and Cabot are collecting it for them. They have started again with this because my girlfriend is now on the ER at our present address. Should we just sit tight for a bit or send a cca request. Money was paid of this debt in dec 2006 so not stat barred but could of already been.

 

Thinking of ringing them to find out the actual default date then we would actually know if it is or not.

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  • 3 weeks later...

Funnily enough I had a message of these people today ......... texted to my phone! They referred to their most recent contact with myself and I havent even spoken to them. The only people I have had dealing with was Cabot and that has been going on for four years. I paid a debt off in 2003/2004 through the HSBD bank by bankers draft and funnily enough they cant find record of it. Unfortunately I lost all my proof in a house move ( I have moved house 4 times since then) and as my account with HSBC was closed in 2005 they now cannot find the first three months of my bank statements (convenient) which means I cannot prove (other than 2 witness statements) that I paid it off. I cant see that JBDR are calling about the same thing, however Im at my wits end as I cant prove I paid it without help from the company and they wont help!! GRRRRRR

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Funnily enough I had a message of these people today ......... texted to my phone! They referred to their most recent contact with myself and I havent even spoken to them. The only people I have had dealing with was Cabot and that has been going on for four years. I paid a debt off in 2003/2004 through the HSBD bank by bankers draft and funnily enough they cant find record of it. Unfortunately I lost all my proof in a house move ( I have moved house 4 times since then) and as my account with HSBC was closed in 2005 they now cannot find the first three months of my bank statements (convenient) which means I cannot prove (other than 2 witness statements) that I paid it off. I cant see that JBDR are calling about the same thing, however Im at my wits end as I cant prove I paid it without help from the company and they wont help!! GRRRRRR
In that case you don't have to prove anything, the onus is on them. Besides as you've made no further payments or written acknowledgement since that time it would be Statute Barred anyway. Send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred
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