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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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Finance u / Daniels Silverman


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Ok Guys Lets Have A Blonde Moment. LOL

1 start re-paying finance u and try to make up any short fall in arreas

2 send D silverman esq the letter on the previous post

3 apply for a subject access.etc.

Oh and to say many many thanks for all your help i know time is precious but you PEEP's remind me me that we are all human and there is still some really good ones out there present company included.

Your help would be gratefully received postggj if i have the right credentials as far as the subject access etc goes...

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can you scan the agreement into your computer

 

deleate name and account numbers, vehicle details

 

to post the agreement onto your thread

 

GOOGLE PHOTO BUCKET

Edited by postggj
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Ok i shall have to read the manual and check how to save the document in the correct size . typical bloke buy something switch it on and then read how it is supposed to be done.give me until monday evening and i shall let you know how i get on.

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There are two aims to this:

 

The Main Effort is to get you back on track complying with the court order; this will make it harder for Finance U to take further action. It will also take the clowns at Daniels Silverman out of the picture.

 

After that, we'll look at whether there's any action you can take against them.

 

In the meantime, get some rest as you realise that you can be in control of this, not them.

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Thanks i am in the process of doing the letters now and i shall mess with the scanner later. once again thankyou !!!! ishall keep you informed of any events..

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Hello everyone just a note to say i am having a problem with my printer/scanner i have a used one from work coming tomorrow so i shall scan and upload the documents you have asked for.

Letter to daniels /silverman has been sent recorded. and the letter for finance u with cheque will go in the morning as i had to double check what bits i needed to omit from it.:|:|:|

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  • 1 month later...

Hi everyone sorry its been so long . here is an update SORRY IT IS A BIT LONG WINDED!

1. i sent the letter outlining my rights to silverman and co,however they totally ignored the first letter sent recorded. i then received a letter 3 days later dated the same date as my recorded letter demanding payment in 7 days,which i ignored,i then had 2 messages on my answer machine at home asking me to contact them regarding the outstanding balance which i ignored. I then wrote another letter outling my rights but drawing their attention to the first letter,they ignored that,i had a message on my answer machine at home again i ignored that,i then got a call on my mobile at work which i answered and it was a lady from silverman and co asking when i would be making the next payment and i should make it to them and if i am struggling ( which i am at the mo but i will continue ) i should fill an expenditure form out and they could drop the payments to £50 a month if that is all i can afford.I told her my rights and i do not have to speak to them and the payments would continue to be paid to Finance u via the paying in book that i have.

Then on Sat 31/07/10 i recieved a notice of sum of arreas from Finance u showing the couple of payments that i have made and then it shows a debit of £3582.37 added to my account that is the exact amount of money that silverman had put on top of my court order.... what next Please..THANKS IN ADVANCE

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  • 3 weeks later...

Any updates on this ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030

Well i took it upon my self to write to Finance U asking them to explain the additional charges as i believe the finance agreement is now subject of a CCJ and they cannot add any more charges unless the judge allows this . that was sent on the 04/08/10 recorded and it has still not been collected from the post office.

Also i received notice of court action from Silverman/co asking for £20,684.00 so they have added even more interest,i also have another 2 messages over and above the ones mention in my previous post . I am doing as i was advised by keeping up the payments so the original judgement is going down ,but these people are relentless in the matter of a couple of months Finance U & Silverman have added over £5,600 to my CCJ.

I am considering writing to Grahame Humphries at Corner Park Garage and send him a copy of the letter that i mailed to his Finance U business address and asking him to get Simon to explain these additional charges.

Should i fill in the OFT complaint form on both of these company's?

I thought that this was dead as nobody has answered my previous post's

So thanks for your concern any help would be gratefully recieved....... I bet you wish you never asked now LOL

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There's no point asking Finance U to explain the additional charges - the matter is the subject of an order of the Court and you must stick to it. Don't talk to anyone on the phone - if they call, don't answer their security questions and tell them to put anything they want to say in writing.

 

Keep your own record of what you pay off the judgement amount.

 

By all means complain about both firms - contact Consumer Direct, and fill in OFT forms for both.

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Many thanks Scarletpimpernel

I have found the forms for the OFT on here. I can find the consumer direct easily enough. Just 1 silly question regarding the OFT do i leave all the sections refering to your client blank and explain that i am a lone complainant.

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It's best to avoid the term 'complaint' - OFT don't deal with complaints from consumers, bizarrely, but they will accept reports about consumer credit licence holders. You may want to make clear, in a covering note, that you aren't complaining, merely bringing these licence holders' activities to their attention.

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£5,600 added !

This is scandalous-they should not be allowed to get away with it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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