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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.

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hello, myself and my wife are just entering into our 2nd year on a DMP with payplan.One of our creditors natwest have been ruthless in chasing us.They already have a CCJ and charging order for the tesco loan.

 

They now have written to us via shoosmiths and are demanding the balance of our natwest loan and natwest overdraft £12,000 totalish.

 

My letter just asks for the loan and overdraft, but my wifes letter demands the loan, overdraft and the MORTGAGE total £89,000.

 

We have never missed our mortgage payment,and never missed on the DMP payments.

 

Payplan havenet said much, they just wanted me to forward the paperwork to them.Has anyone got ny ideas.

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hello andy

 

gosh im sorry to hear this , and i personally dont have enough legal knowledge to say what is best to do

 

but i would ask now that they are doing this even though payplan say to send off the paperwork to them, what exactly are they going to do for you have payplan said?

 

also have you asked for a copy of each of your credit agreements? cant on the overdraft... and also what about if you did a subject access request for all your natwest accounts ie paying the 10.00 for this info, it will or should give you everything natwest hold on you and your personal and account info

 

just my initial thoughts

 

however, if say you dont get anyone giving you help by later this eve

 

then click on the red triangle, i know it says report post - dont worry it will alert the site team and im sure one of the nice people here will come along and give you some more indications

 

however, would suggest you take a look at the other natwest threads in the meantime and see if you can follow anyone elses journey and match up perhaps to the problems you are now facing

 

good luck but above all dont worry unduly - i will look in later to see what kind of responce you have had

 

these fabalous people on cag have helped me in the past year so much - i hope to return the favour with what knowledge i have to others

 

keep positive laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Andy

Sorry I haven't got the knowledge to help you but the first thing to say is

 

DON'T SEND ANY COURT CLAIM TO PAYPLAN 'COS THEY WON'T DEFEND IT FOR YOU.

 

2nd

 

Please can you post up the docs you have been sent (after removing your personal details). That way, those 'in the know' will have a starting point to try & help.

 

3rd

While you're waiting for help get the CCA requests off for the loan & SAR's for the loan, overdraft & mortgage. CCA costs £1, SAR's £10. Send them recorded delivery.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

These will help to prove whether the agreements are enforceable & whether there are charges that can be reclaimed.

 

I know it's easy to say but don't panic - CAG will help you.

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Is this a court claim you have received or just a letter from the solicitors ?

 

As already requested, can you please scan in and paste the letter/claim form here for us to have a look at.

 

Is the mortgage in joint names ?

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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Hi Andy,

 

Have you started a claim of your own re the bank charges ? If so, and it has been stayed along with the rest of us.. then you can enter a counter claim in your defence and hopefully that will put a cat among the pigeons.

 

Right, having read your post properly.. you have just received a letter threatening court action. You havent actually received a court claim :oops:

 

Ok, you are in a DMP with Payplan, so I am not sure why they have become agressive.

 

Have you received the following and when :

 

A Default Notice

A Termination Notice

 

Meanwhile, I will try and get someone with more knowledge to look in on you. Site team are incredibly busy at the moment, so it might be tomorrow before you get a response.

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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Hello I have sent complaints to f.ombudsman for natwest and for shoosmiths, sent them recorded delivery.

 

If natwest insist on pursuing this, can i defend the claim because the owe me £1,000s in bank charges,I have registered a claim with them.Obviously this is for th overdraft.The loan is a different matter, I requested a cca and its seems fine.

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Hello I have sent complaints to f.ombudsman for natwest and for shoosmiths, sent them recorded delivery.

 

If natwest insist on pursuing this, can i defend the claim because the owe me £1,000s in bank charges,I have registered a claim with them.Obviously this is for th overdraft.The loan is a different matter, I requested a cca and its seems fine.

 

 

Yes, andy..if you wish to defend any claim they make against you, you can enter a counterclaim for the outstanding charges.

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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Hello Just recieved new letters from shoosmiths solicitors,they have taken off the claim for the mortgage.There was no apology though.It caused great distress.

 

I have sent complaints to the financial ombudsman, from myself and my wife .

 

S now whatdo i do, the loan is ok the CCA looks perfectly enforceable. But they owe me a small fortune in bank charges. £2000, that without interest.

 

So what do I do now

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Hello Just recieved new letters from shoosmiths solicitors,they have taken off the claim for the mortgage.There was no apology though.It caused great distress.

 

I have sent complaints to the financial ombudsman, from myself and my wife .

 

S now whatdo i do, the loan is ok the CCA looks perfectly enforceable. But they owe me a small fortune in bank charges. £2000, that without interest.

 

So what do I do now

 

Had you started a claim for the bank charges ?.

 

How much difference would the bank charges make to the overall amount owed to the bank. (not including the mortgage as that isnt in arrears)

 

At the moment, you havent had a claim issued against you. This appears to be either a nasty threatogram or a letter before Action.

 

Either one, not nice as you are on a DMP.

 

If a cliam were to be issue against you, you could counterclaim the Bank charges. Any default notice or claim would probably be incorrect if the sum asked for did actually include those charges.

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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