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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.
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      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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Help for a beginner


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I have not checked my credit report yet - but at some point, probably later this year, will be looking at getting a mortgage, so will nbe getting hold of my report in August / September

 

my questions;

 

1 - I have defaulted on a few payday loan payment dates and one hight st loan (Oakham)

 

Is the default itself going to show up on my file and if so how long does it stay there - and what is the likely impact on my credit score?

 

2 - I had a CCJ around 5-6 years ago from Barclays - they closed my account down - credit card fees- I can't quite remember exactly when the CCJ itself was 'passed' . Is there any way of fidning out exact court dates? I would have thought that the information will be held somewhere..

 

3 - What is the diff on my credit file between a CCJ and default notice?

 

 

Thanks for any help.

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I have not checked my credit report yet - but at some point, probably later this year, will be looking at getting a mortgage, so will nbe getting hold of my report in August / September

 

my questions;

 

1 - I have defaulted on a few payday loan payment dates and one hight st loan (Oakham)

 

Is the default itself going to show up on my file and if so how long does it stay there - and what is the likely impact on my credit score?

 

2 - I had a CCJ around 5-6 years ago from Barclays - they closed my account down - credit card fees- I can't quite remember exactly when the CCJ itself was 'passed' . Is there any way of fidning out exact court dates? I would have thought that the information will be held somewhere..

 

3 - What is the diff on my credit file between a CCJ and default notice?

 

 

Thanks for any help.

 

 

I am in a situation with argos card services at the moment as I have found out they have put a default on my account after i paid the amount in full, there were other reasons before hand but was never told of a default. i have now found out a default will stay on credit file for 6 years and will show up on all credit checks done by any other lender. I would also be greatful of any help from others in what to do next. Thanks and good luck

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Hi,

 

If you have been issued with a Default notice and they have marked your file, It will stay there for a period of 6 years, whether you pay it off or not.

 

 

Your CCJ will appear on your credit file for 6 years (if it takes you more than 6 years to repay the CCJ, the creditor will re-register it with the credit reference agencies). However, your credit rating will already be affected by the fact you have not paid the contractual payments, which has resulted in you receiving a CCJ. Your CCJ won't show on your credit file if you pay it in full within 30 days.

 

If you manage to clear the CCJ within 6 years you can write to the credit reference agencies enclosing a "letter of satisfaction" from the issuing County Court to have the entry marked as "satisfied" on your credit file. This may be useful if you are applying for a mortgage, for example.

 

Regarding whether a Default is worse than a CCJ, - with a CCJ you can settle within 30 days and have it removed, or pay it off later and send in a form to have registered as 'saisfied', however, with a default you can't do anything except submit a 'statement of correction' to explain the circumstances around the default which lenders must take into account when they view your credit file.

 

Regards.

 

Scott.

Edited by maroondevo52
Any advice I give is honest and in good faith.:)

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You can get a copy of your credit file for free on certain sites. I would advise that you do this so then your mind will be put at rest.

 

Defaults are kept on your credit file for 6 years and then they are removed.

 

ok when you say free do you mean you mean you pay a month and then cancel it, or is it totally free?

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Remember, when you search your credit file, your details will be given to other agencies, which sometimes ends up with more people than you may wish, getting in touch with you, regarding old debts ect.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If you have been issued with a Default notice and they have marked your file, It will stay there for a period of 6 years, whether you pay it off or not.

 

 

.

 

 

thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

 

I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?

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Remember, when you search your credit file, your details will be given to other agencies, which sometimes ends up with more people than you may wish, getting in touch with you, regarding old debts ect.

 

I thought when you searched your own file it didnt put any mark on your own file? That is also what it states every time i check my own file. :-| Now im annoyed. Or is it just the score that wont be altered when you check your own file?

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I thought when you searched your own file it didnt put any mark on your own file?

 

Hi,

 

I know the last time I searched my file, I received calls from companys regarding very old debts, also DCA's 'phishing' looking for someone with the same surname as me who must have stayed in the same sort of area.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Oh i see. Well i dont live at the same address or have the same phone number so that may be why i dont get anything. But it is still my parents address so id assume that they would tell me if they had blithering idiots on the phone :rolleyes:

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thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

 

I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?

 

 

could anyone please help with the above question?

 

I have negotiated a repayment plan for two high st lenders (Oakam and National cash Advance) - both said that as yet there has not been a default notice on my credit file - as long as I stick to the plan.

 

I am in the process of getting my Equifax credit file but need to send some documents in, so am waiting on this.

 

I know it is probably down to the individual companies, but does anyone have experience re; payday loans? As I said, I have only defauled the one time.

 

thanks

Edited by mighty sword
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CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.

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CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.

 

re; default notices from payday loans - is this from your own experience? or have you seen other credit reports also?

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