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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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Capquest Going for CCJ and CO


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I got this from them today. They have previously sent me a copy of an application for a chargecard which was NOT marked as accepted and NONE of the ID tick boxes were ticked indicating that no formal ID was presented when the application was filled in. The application was in someone else's handwriting.

 

They are trying to recover a debt for a credit card but only have a charge card application to show me. As you can read on the latest letter they have sent they say it was a migration and because of this a separate CCA isn't needed for a credit card.

 

What should i do now? I've got an appointment with a solicitor through the union I'm a member of who is a specialist in CCA law next week. In the meantime should i submit an SAR to Capquest AND M&S. I'm especially keen to get hold of any formal ID that may have been used to open this account as I'm pretty sure they don't have any which is highly illiegal.

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I got the first threat in march. Sent off for the CCA and it came back about a month later. NO ID box was ticked indicating that NO formal ID was used to open the account. Also nowhere on the application was it marked as accepted. The account has been in dispute since march, and every letter i have sent them has had "ACCOUNT IN DISPUTE" on the top. They have now sent this letter with the last couple of years statements and have said that they are perfectly happy and within their rights to obtain a CCJ and then a CO on my property. They have refused to enter into anymore dispute about this matter and will press ahead to court whether i like it or not.

 

Also are they right saying that as it was a migration from a chargecard to a credit card they don't need a separate CCA?.

 

What should i do to obtain a copy of any ID that was used to open the account? And is it legal that the appropriate tick boxes were not ticked?

 

Should a send off an SAR request to Capquest and M&S asking for a copy of the ID used and any other information they hold?

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Forgot to mention. They are charging me interest and fees every time they write to me. However at no time have i been informed of the interest rate being applied or a list of fees. Your guess is as good as mine.

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They've checked your title deeds the wafty crankers. Might be worth going to HMLR on-line to see if they placed a caution on them. Follow debt4gets advice and send the dispute letter. I may be wrong but I had thought they cannot issue proceedings while the accounts in dispute? Or am I wrong in that?

Mozzone

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Taking on the bloodsuckers

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you have placed account in dispute end of...only time will tell if they take it to court..and i would say the chances of that are slim in the extreme...also in order to get a charge order they first have to win a ccj in court then you have to default on that and then and only then can they apply for a co

dont worry they are full of hot air

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you have placed account in dispute end of...only time will tell if they take it to court..and i would say the chances of that are slim in the extreme...also in order to get a charge order they first have to win a ccj in court then you have to default on that and then and only then can they apply for a co

dont worry they are full of hot air

 

to get a charging order yes, you are right. What I am referring to is a caution or notice on the title to alert others to their interest; it doesn't prevent sale etc. from memory they don't need the owner's permission or a court order to place this.

Mozzone

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They ignored me for a month or two and continued writing with their threats, but nothing for several months now. I don't own any property however, so that 'could' be the reason.

 

that's just what I was thinking; now they know there is a property they may have a punt

Mozzone

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I think what I'll do is send SAR's and inform Capquest AGAIN why the account is in dispute.

And I'll see my solicitor next week too. I've spoken to him over the phone and he seems quite amused about Capquest's exploits so far.

A while ago I reported Capquest to the OFT. I got a letter informing me that they don't deal in individual cases. Today i got another letter from the OFT asking me to make a full written signed statement, as they are interested in how Capquest are dealing with me. And they asked for a copy of all correspondance from and to Capquest, this was all faxed to them today. Going to wait and see what Capquest do next and then do the statement.

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are they allowed to take him to court if he has put his account into dispute? Aren't there any OFT rules 'n' regs on this?

Mozzone

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I know you don't need court orders to place restrictions on deeds to protect vested interests. Notices simply alert parties to a dealing with land (eg a new mortgage or sale) but do nothing more; again, no court order required. I do not know if banks, DCAs etc can or do such things. Its probably a red-herring on my part. I was just concerned that they were checking up on this bloke's property and checking up on the title is very easy on-line.

Mozzone

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looks like he wants more help

 

not for you debt4get >> for those that dont know what it means - BUMP short for "bring up my post" bring you back on the first page, so others can see it and offer help etc,

..

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