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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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Welcome - illegal repo in contravention of section 92 and unfair relationship ** WON **


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Yesterday I had a recovery agent attempt to collect my car, I was under the impression that they could not take it off private property without my permission and without serving a default notice and termination notice.

 

I called the police for assistance but when they arrived they immediately sided with the driver and allowed him to take it off my property with no such documents.

 

If I am mistaken in my beliefs here please would somebody knowledgeable in the legalities give me some advice before I take this any further.

 

Many thanks

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"OK"

 

i went through this situation about 2 years ago.

 

some people will ask you about how much of the vehicle have you paid.

being a third or under is totally irrelavent,

if they removed the vehicle from the roadside then you lose, but being from your private property you win.

 

to remove the vehicle from your private property they 100% need a court order and then it is the court who remove the vehicle and surrender the vehicle to the collection agents.

 

what you need to do is contact the police again and get the officers attending names and badge numbers.

make an appointment to see the station chief super then voice your concerns that you have reason to believe that the attending officers may have assisted in a crime ( be polite and calm at all times)

 

DO NOT accept the civil law crap they tend to spiel out, inform the chief super that you will give them 28 days to investigate your complaint and if they do not comply you will make a complaint to the IPCC independant police complaints commission.

 

also insist on a crime number as a crime has been committed.

Once the IPCC are involved they start to bend over backwards to correct themselves.

 

cab

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Hello Cab, thank you sooo much for that information. I just wanted to be absolutely 100% sure before I went any further with this.

 

I took the name and badge number at the time because I was so outraged at his attitude in the first place! Did I mention that we made a video of the whole incident?? No matter what I told him, (calmly and politely!), his only responses were; "I don't care" and "I'm not interested"!

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Sorry, can I ask how they "corrected themselves" in your situation please??

 

OK I just called up the station to make an appointment, they wouldn't make me an appointment saying that they have a formal complaints procedure and needed to take details first.

 

I gave them all the details and they are going to try to get in touch with somebody and will call me back.:confused:

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I have also been through this situation. Cab is correct when he says that a court order is needed.

 

I pursued the company involved and eventually (it was a long and stressful process) settled out of court with them the day before the hearing for all the monies I had paid on the agreement prior to the reposession (nearly £4000).

 

Unlike you, however I had been served with a default notice.

My sole argument was that the car was reposessed illegally.

The company involved never admitted illegal reposession but were too afraid to go to court to defend it.

 

This was about 3 years ago but I still have all the correspondence to them and their solicitors, papers sent to the court etc and would be happy to share any of the details should it help.

 

I did this on my own with some very gratefully received help from people on this site.

If I can do it then anybody can!

 

I personally wouldn't get to hung up on the police thing.

They will treat as a civil matter and won't want to get too involved.

That is only my personal opinion, however

 

. I would concentrate on getting justice from the finance company who had your car reposessed.

 

Your car has been unlawfully reposessed and you can do something about it if you are willing to fight it.

 

As I said before if I can help.....

 

Good Luck

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I am more than willing to fight it!! I have another thread on the welcome finance forum where I am trying to do something to make them accountable for their abominable actions! I won't let this go and would be so grateful for any input you could give, considering you've been through this yourself.

I can't thank you enough for your support :)

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just jumping in

 

if less than a third has been paid, the finance co can do a repo, be it on your property or roadside

 

if more than a third has been paid, the finance co would need a court order and then only a county court baliff can do the repo. be it on the road or drive

 

the finance co or recovery agent has no say in it

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My experience wasn't with welcome....although I have had that misfortune with personal loans:mad:. Common knowledge that are a pain to deal with in any capacity

 

I am at work now but when I get home will dig out my stuff on my case, blow the dust off it and see what parts of it may be of use to you.

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My experience wasn't with welcome....although I have had that misfortune with personal loans:mad:. Common knowledge that are a pain to deal with in any capacity

 

I am at work now but when I get home will dig out my stuff on my case, blow the dust off it and see what parts of it may be of use to you.

 

Thank you so much, I really appreciate this :-)

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might be an idea for you to give a few more details

 

1. when did you take the car finance out?

2. how long was it over? (usually 3 or 4 years)

3. How many months correct payments did you make and when did these stop?

4. anything else that you think might be useful

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Sorry, can I ask how they "corrected themselves" in your situation please??

 

1.the situation is now recorded on police files.

2. 2 police officers for witnesses and/or full statements.

3. full written appoligies.

 

 

a creditor will find that he is in deep sh*t if they take you to court.

 

cab

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I originally took the agreement out in june 2006 and had it modified in May 2007. Based solely on the 2nd agreement I have paid £190 short of the third, my argument with them is that they did not serve a DN, terminated the agreement whilst keeping it active and then repossessed the car off private property.

 

I have read elsewhere that irrespective of the third being paid they are not permitted to take a car off private property without my permission. This was also verified by the first recovery agent they sent who came for the car and then didn't take it because he said he couldn't take it off my drive without my permission.

 

I'm getting a little confused now, I'm not sure what is legal and what is not :confused:

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just jumping in

 

if less than a third has been paid, the finance co can do a repo, be it on your property or roadside

 

if more than a third has been paid, the finance co would need a court order and then only a county court baliff can do the repo. be it on the road or drive

 

the finance co or recovery agent has no say in it

 

no dis-respect post. but i can assure you that if the vehicle is on private property they can not repo the vehicle without the courts.

 

cab

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1.the situation is now recorded on police files.

2. 2 police officers for witnesses and/or full statements.

3. full written appoligies.

 

 

a creditor will find that he is in deep sh*t if they take you to court.

 

cab

 

Wow! If I could achieve that I'd be over the moon!

So they definitely can't legally take it off private property? Sorry, I just want to be sure. I've just had a phonecall from a sergeant saying I can't see a chief super I have to see him. I've made an appointment to go in on monday at 4pm.

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Wow! If I could achieve that I'd be over the moon!

So they definitely can't legally take it off private property? Sorry, I just want to be sure. I've just had a phonecall from a sergeant saying I can't see a chief super I have to see him. I've made an appointment to go in on monday at 4pm.

 

if they give you the run around do what i did.

post gave me advice on my situation a long time ago, go straight to the IPCC and let them know you are doing so.

 

cab

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This is section 92 of the Act, does this apply??

 

92 Recovery of possession of goods or land

 

(1) Except under an order of the court, the creditor or owner shall not be entitled to enter any premises to take possession of goods subject to a regulated hire-purchase agreement, regulated conditional sale agreement or regulated consumer hire agreement.

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if they give you the run around do what i did.

post gave me advice on my situation a long time ago, go straight to the IPCC and let them know you are doing so.

 

cab

Thanks cab, I have no problem in taking this as far as it needs go. I don't want anyone else to have to go through this.

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it does indeed

 

my interpetation of that though is a garages (possession of goods and premises)

 

not a drive way even though its private property

 

cross checking though as stated it depends if more than a third has been paid

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