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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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New User - Very confused - Please advise !


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Hi Guys and Gals!!

 

Oh, I'm so confused!!

 

I recently obtained my credit report and noticed a CCJ on there dated 9/7/2007 that I was completely unaware of for £200 ish. I chased this up with the court quoting the case number and told it was Bryan Carter & Co for Capital One. But on my credit report it clearly shows that I paid the amount I defaulted in full and now has 'satisfied' next to it!

 

Have they just plucked a random sum out of mid air and forced a CCJ onto my credit report? How can they do that? What should I do?

I'm really worried because it has made my credit rating really poor! (although to be honest it wasn't amazing before, but I'm trying to rectify it!):confused::confused:

 

Thank you (in advance) for any advice you could give me :-)

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Have you got any correspondence from crapone stating that you had satisfied the default amount when you paid it off? Statements showing the amount paid off?

 

Did you pay off the full amount outstanding or did they come to an "arrangement" with you?

 

Did you ask the court to send you details of the claim for the CCJ, I think you need to see the particulars of the claim in the first instance.

 

S.

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Hello again,

 

Unfortunately no correspondance saying that I had paid it off, all old letters etc... I shredded them a few years ago assuming that would be the end of it. I paid the amount in two parts, my credit report says 'partial settlement' and gives a date. Then it says 'default satisfied' but with no date.

Should I write to bryan carter or capital one for more information if I use the letter saying 'I do not acknowledge this debt etc...'??

 

:-)

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This what the court said "‘the claimant's claim is for the balance due under an agreement which is now all due and payable. the defendant agreed to pay monthly instalments under account numberXXXXXXXX but has failed to do so.and the claimant claims the sum of�XXXXX.the claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date hereof at the rate of8% per annum amounting to XXXXX

 

If I still owed them money why would my credit report say default satisfied? I'm sure I paid it all, but don't have any proof :(

Edited by welcometothejungle
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This what the court said "‘the claimant's claim is for the balance due under an agreement which is now all due and payable. the defendant agreed to pay monthly instalments under account numberXXXXXXXXXXXXXx but has failed to do so.and the claimant claims the sum of�XXXXX.the claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date hereof at the rate of8% per annum amounting to XXXXX

 

If I still owed them money why would my credit report say default satisfied? I'm sure I paid it all, but don't have any proof :(

 

Might be worth contacting crapone to see what they say in regards the account. Possibly worth a £10 SAR also.

PLEASE TAKE THE AGREEMENT NUMBER OUT OF THE CLAIM DETAILS ABOVE!!!

 

S.

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