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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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CL FINANCE/COHENS v ME - help please**WON**


henry5
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Hello everyone

 

I'm new and hope someone can help. I am due in court this Monday, received paperwork from COHENS today through the post.

 

A statement of truth

A signed application (seems to be signed by my ex wife) but application has my name on and they are taking me to court

Some statements

Terms and conditions

A default notice from GE money the original alleged creditor

Notice of assignment dated 22nd feb 2008, stating on 20th feb the assigment was made and stating on 22nd feb 2008 a claim has been submitted to court.

The alleged agreement was signed in 2003 but I cant recall anything.

Thankyou

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Hi Henry5,

 

I assume you issued a defence? Did you defend all or admit anything?

I also assume you requested information from Cohens via CPR 31.14?

Can you give details of the defence you posted.

 

Whats the court date on Monday, is this from a judges directions or the actual full hearing?

 

S.

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Hi thankyou

 

did issue a defence

 

and requested a cpr 31.14 even though this was only 1 month ago

 

defence was vague as i was unsure of anything had no paperwork etc, all i could remember was ge sending me a photocopy years ago and it didnt have my signature on so my defence was based on that

 

 

thankyou

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also just looking through files, they haven't sent me default notice from cl finance only one from ge

shouldnt the noa give time to pay?

they had it two days and took it straight to court?

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What is the hearing on Monday?

 

Is it an application for summary judgment?

 

Can you post a copy of the claim and the defence together with copies of the CCA, DN and any other docs they've given you.

 

Did your ex sign the application with your consent - did you ever use the card

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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shouldnt the noa give time to pay?

 

No - it doesn't need to - did you receive the NoA before the proceedings were commenced - a Notice of Assignment should be served by registered post (S196 (4) LPA 1925) - they NEVER serve them properly UNLESS you have already acknowledged receipt of the NoA they have a serious problem

 

If a valid NoA has not been served then they do not have a legal interest which allows them to bring the claim.

 

 

I've made a couple of suggestions

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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its a court hearing against cl finances

sorry on laptop no scanner devices about

DN is from ge only

 

i'm guessing it was my exs signature but on cca it says my name

but then the signature is not mine

the other docs are statements

and noa as stated

thanks

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its a court hearing against cl finances

sorry on laptop no scanner devices about

DN is from ge only

 

i'm guessing it was my exs signature but on cca it says my name

but then the signature is not mine

the other docs are statements

and noa as stated

thanks

 

What is the hearing for?

 

I really need to see the documents - it sounds as if you may have a number of defences

 

Is there any chance of you posting the stuff over the weekend

  • Haha 1

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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they are stating received noa 22 feb 08

 

They have to be able (unless you wrote and acknowledged receipt) that you were served - they can only do that by proving the letter was sent by registered or recorded delivery

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Have a look at these - they're not exactly on the same points but they do cover assignments

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/197867-arrow-mbna-ignm-pt.html#post2147014

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/197867-arrow-mbna-ignm-pt.html#post2147612

 

The other thing is that the 7 days for DN's changed in 14 days from late 2006

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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the default on cra is by cl finance

shouldn't they have issued a default notice?

 

No - I think you that you may find that the DN was served by GE before the Assignment - if not they've got another problem

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Sorry mate - they're too small

 

What I would do is click on the Go advanced box of the quick reply box then scroll down and click on manage attachments - you can then upload directly to CAGs server

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hello Henry.

Your in goods hands with IGNM

He has helped us a lot.

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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There is a lot of stuff on there that identifies you - it could really do with being removed

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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572 kb when i scan then when i drop in they go to 8kb

 

must be doing something wrong

 

thanks for your help btw appreciate it

 

Other than the fact it appears to be allocation to the small claims track I can't really decipher it...

 

Is it the final hearing on Monday?

 

We've got time to work on it over the weekend but we need more info...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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