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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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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hey Spike

good thing you getting a new debit card but reckon to be completely sure they dont get their grubby hands on your hard earned cash i would totally recommend you ask you bank not to authorise any payments. PDUK tried to on my account despite me having a new card.

 

wish i could tell you that they dont call you at work but unfortunately they did call me a couple of times, only good thing is, they ask if you are free to talk, if you dont want to get into anythin at work just say you are not free, they will ask when they can call you, it may be best to tell them a time when you know you will be able to have a proper conversation and thats the time to say everything is to be via email/letter in future. they quickly passed my debt on to Keyes Whitlock who so far have stuck to the request not to phone

 

good luck and keep us posted :)

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i have got an email from Keyes today asking me for a breakdown of incomings and outgoings, i have no prob with this and hope this means i can finally sort out a proper payment plan! still no calls from them and that just makes life much easier to deal with!

 

i still have other loans outstanding an now am not sure if its best to deal with them all individually or whether to set up a proper debt management plan with someone......but who?? any recommendations??

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Thanks Rob!

 

my QQ loan will default on 26th Nov, i know they will call me at work and am feelin reasonably confident in saying i cant talk at work but do you know how long they are going to keep trying to contact me before passing onto a dca?

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Took months with me before they passed to 1st credit. CCA'd them and never heard from them again. About 6 months ago.

 

They will phone you at work and have been known to leave messages with colleagues and don't care about your privacy., Providing you don't ignore their calls they generally don't harrass. Lots of e-mails though!

 

Good luck

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Hi everyone

Ive not heard from keyes whitlock yet.

sPOKE TO ptp last week and explained couldn't pay till end nov . She said she keeps account for a amonth then passes on so to wait till then but she would call me in 2 weeks- said I had a bereavement and she said would contact me less.

Phoned Wonga cos worried about interest and some arrogant creep said he couldn't stop interest until i

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hi everyone :)

 

JMW becareful with wonga, they will put interest on every couple of days! try to get written agreement (email) to put interest on hold. they added £57 to mine after being 1 day late despite telling me on phone that they wouldnt. DAYLIGHT ROBBERY! keep on at them! hope you can get it sorted!

 

ROB, will speak with QQ and just hope they will send to dca, but how do i go about asking them for a CCA?

 

i opened a new bank account today, couldnt believe how easy it was!!

 

finally told a friend/colleague what has been going on, she is being really supportive and it feels great to finally open up about my problems. i have to say, if it wasnt for her, you guys and this site, i would not be feeling as positive as i am now. i can really feel that im starting to get control back for the first time in over a year and its an amazing feeling! i know its not over yet but i can finally see the light lol

 

keep fighting everyone!

 

please let me know how you are all doing x

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  • 2 weeks later...

Hi All

Still Waiting For Keyes Whitlock To Contact Me- Its Been A Month Now.

Need To Pay Qq Some Money And Said Through Paypal = Anyone Knows How This Works/

Stay Tough Meecha We Are Both In Qq's Lions Den At Moment = Im Paying My Interest Owed Last Month On 26th Then The Full Balance Over 3 Months Dec Jan And Feb To Get Rid Of One Of Six Loans Hopefully It Will Go Smoothly.

Keep In Touch :)

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