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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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van Hp Agreement, possible forgery


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I would like to ask for your help with a van that got handed back after I had to close my business. At the time of taking out the finance I had to get a silent partner to do the finance because of my poor credit history. I had the van for nearly two years( of a 5 year agreement) and had to give it back to the finance company as I was forced to close my business due to the recession. I ask for an assurance that the van would not be sold for less than book price as my silent partner would be liable for the balance but to my surprise the finance company told me that they would be coming after me!, I asked why that was as I had never signed any agreement, the finance company then produced a copy of the finance agreement with what looked liked my signature on it. Now, I asked if I could keep that copy of the agreement and the lady from the finance company said I could, I then proceeded to tell her that I would be contacting my solictior for advice on what appears to be a forged signature. I expalined that due to my poor credit history I would be unable to get a packet of smarties on tick let alone a £20K merc van. I told her that the merc company would of had to do a credit search on me first and other documents would of had to of been signed and etc, there is no record of any search or finance agreement with the finance company on my credit file, I have been to see my solictior and he has told me that it is a criminal offence and I should report this matter to the police but I am looking for a settlement that will be in my favour, i.e the van back or financial compo. Can you please advise on how to proceed?

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Thanks, As the Finance company are stating that it is only me they are after I will forward an SAR, I have checked my credit file with experian and there is not even a search from the finance company ref the van, and def not a HP agreement for £20K, we did write off to the finance company 4 months ago and asked for them to clarify their postion but to date I have recieved no reply. I am 99% sure they have screwed up the paperwork and are now trying to ignore me. I had been paying £420/month for the first 18 months out of my business account, then when the business closed they harrassed me to no end. Do I have any redress?

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Thanks, As the Finance company are stating that it is only me they are after I will forward an SAR, I have checked my credit file with experian and there is not even a search from the finance company ref the van, and def not a HP agreement for £20K, we did write off to the finance company 4 months ago and asked for them to clarify their postion but to date I have recieved no reply. I am 99% sure they have screwed up the paperwork and are now trying to ignore me. I had been paying £420/month for the first 18 months out of my business account, then when the business closed they harrassed me to no end. Do I have any redress?

 

well if its not your debt then they cannot chase you and if the paperworks in your name then they clearly dont have the originals do they to chase you mate! On balance if you dont involve your mate in the discussion then they have nowhere to get his name from do they

 

You have a number of options starting with doing a SAR on the finance company OR doing a CPR 31.16 pre action request for documents (similar to a SAR and enforceable by court order) OR going to the Police and making a statement - I would leave this as a 'deal clincher' threat later on, really all you want them to do is sod off. Personally I would do the SAR's or CPR 31.16 and maybe you should write to them as part of your SAR and say I am doing this because I did not sign the agreement and before I go to the Police I want ALL the info you have on me.

 

If all you say is true one way or another you should be able to scare them off.

 

As posty said were you sole trader or ltd?

and who's name was the V5C in?

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My company was set up as a sole trader not a ltd company, but the V5 was in the company name. That was another mistake by the finance company. Do you think I could ask for the van back? or even going to the finance company to say that I want compensated?

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My company was set up as a sole trader not a ltd company, but the V5 was in the company name. That was another mistake by the finance company. Do you think I could ask for the van back? or even going to the finance company to say that I want compensated?

 

 

so you were john aardvark t/a aardvark builders or the like and the v5c was aardvark builders.

 

I think that on top of wanting to get rid of the gap debt you are getting greedy! How much was the gap debt that they claim you owe and what have they done so far about getting the money out of you?

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ok, I understand then point that you are making, but let me make two points. 1. If the shoe was on the other foot do you think that RBS would just drop the matter?

 

2. If someone fordged your signature on a document for £20k would you just look for the matter to be dropped and forgotten about?

 

The hounding that these guys have given me is unreal and now thatI have got them bang to rights the choose to do what.....ignore me.

 

I suppose I should be happy and accept the high court ruling on bank charges as well? The people are having things all there own way and sticking the two fingers up when we fight!

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  • 2 weeks later...

Hi Guys, Just recieved a copy of the alleged signed CCA, this is def not my signature! No mention of this agreement on any of the CRA, I traded as a sole trader but the CCA is made out to the company name with the company address. Should I contact the finance company or the garage who did the paperwork to see if a compromise can be arranged, I handed back the van on a vol basis after presure from the finance company but what I would like to know is, can I ask the finance company for the van back or do I have a strong enough case to bring it to court? Should I first speak to the garage who sold me the van as it was one of their employees that forged (Alledgely), the same person who signed the bottom of the CCA on behalf of the garage looks to have the same hand writing as my (alledged) signature.....Please help, if it is the case that I can get the van back then I will be able to hopefully get employment again.

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Sorry Guys, I forgot to mention that I did get a solictor to draft a letter asking for them to clarify the whole situation as on the face of it, it looks like an unenforcable agreement but it has been 3 months now and I have recieved no reply, I can supply the letter and the copy of the CCA if required.

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I have already written to the finance company and they have failed to acknowledge or reply to my letters. I would like to know how to proceed with this, I dont want to let them off the hook as they completely harrased me right up to the moment were i pointed out that someone had fordged my signature. I want to see this thing through to the end an will post my progress on this thread, I will also donate a percentage of whatever money is recovered if any. I am thinking is it possible to ask for the 23 months payments that I made on this agreement or should I ask for the van back? Dont know how to proceed from this point? HELP!!!!!

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