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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.
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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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In Debt With Many PayDay Loans...feel much better now.


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Hi everyone...

 

after weeks of debating, finally decide to post here. ( i was going to ask for help )

 

I have been using payday loans for the last 6 months as a way to get me by from month to month...

 

Every pay day i pay back the money ( and the interest ) then borrow again. Yes...I know its stupid but once you get into the habit its very hard to get out of.

 

This month i decided to do things differently as im sick of not having any money left by the 5th of every month.

 

This is what I owe...

 

Wonga £240 ( they have frozen interest )

 

I called them up, expained I didnt have the funds to pay them and that i had many payday loans. They were great. The have agreed to one payment of £50 this month and then two payments of £95 over the next two months. Job Done ! !

 

 

 

H&M £375

 

I told them the same story, paid them £100 last month and over the next three months i have to pay £100 then another £100 then finally a last payment of £75. Job Done ! !

This debt was originally £220 but the added money on because my cheques bounced.

 

 

 

Swift Money £296

 

Told them the same story and they have agreed to freeze interest and allow me to make four payments of £73.97 over the next four months. Fab, Job done ! !

 

 

Lending Stream £699.25 ( frozen until end Nov )

I took two loans out with them over 6 months. They were taken out at different times. One finishes at the end of sept, one at the end of nov. Assuming I pay them back before the end of november, the interest doesnt increase. They have agreed to let me pay a token payment of £50 this month then they will call me next month to review it. If i could pay either of them off earlier, they will reduce the interest which means i will pay less. Good Good ! ! !

 

So far, so good...I was dreading making the calls to the companies.

 

Then, the final comapny to call was

 

Pounds Til Payday £880

Same story, told them i couldnt afford to pay. I offered to pay them £50 this month and more next month. Offered to set up a payment plan and they said NO! ! ! . According to them, I must wait to default on my payments, then i will inccur a fee of £59. Only then will they get an account manager to speak to me to discuss paying the money back. I asked again if i could avoid the charge and the said no. Only if i pay £440 all at once at the end of this month. Dont think this is very fair..can they refuse a payment from me ??

 

( if anyone could give advice on PtP i would be grateful )

 

To anyone reading this who is in debt, things arent always as bad as they seem. I was surprised by how understanding all of the above companies were with the exception on PtPayday. I feel much better knowing that i will have a some extra money this coming month and wont struggle like i usually do. I have cancelled the direct debit with P2P and cancelled my debit card so the only way these compaines can be paid is if they call me or i call them.

 

Hope this helps someone out there ! ! ! ! ! :):):):):):):)

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well done, great news, wait for PTP to get in touch or pass it on. you cant avoid the charge this is the way they make their money. Always answer the phone so they dont miss you and decide to charge you more - wost case scenario is they will pass on to Debt managment company and you can deal more easily with them

 

Your offers are fair and you have been honest - i cannot see why any company would say no.

 

Well done again. Jamie

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Here here, they will come to a payment arrangement but the charge will probably stand. However once this charge is applied and you come to a payment arrangement you should get interest frozen. Remember no freeze of interest = no payment. Well done for taking control, alot of us here in the same boat but paying in repayment plans.

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Thanks for all your replies guys...

 

I will wait for PtP to contact me when i default on friday.

 

Will let you know how it goes.

 

In 6 months I should be debt free...

 

Cant wait to get paid then and actually keep all the money.

 

My only worry with P2P is they might try to submit the direct debit again to my account. I canceled it yesterday when i phoned my bank, they explained P2P might try to take the money again.

 

As soon as my wages go in, i will transfer them to a different Lloyds account, this way the money should be safe...

 

Thanks again for the messages....anyone else in the same boat as me, please do the same....It will save me a forture in the long run... and takes the pressure off. ! ! :lol::lol::lol::lol:

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Keep an eye on your bank. If you have online banking cancel it as soon as it appears. I had a problem with quick quid setting direct debits up on my account an called the bank halifax to say that i had not authorised them. They canceled dd and QQ were never to be seen again :lol::lol:. Nothing better than swiming past the sharks and sipping a glass of wine in freedom at the other end :D

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So is it true they can try to set up direct debit again even though i have cancelled it ??

 

I have online banking but i did it over the phone.

 

The didect debit instantly went from the list of direct debits on my account page online.

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had a loan with QQ, they did try several attempts to take DD's from my bank after saying to me on the phone only one payment would be taken and then the final next month....what a load of old tosh.....got rid of them though. just pay what you owe..none of this charge interest rubbish...

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Get this...as u can see above one of the debts is with @@@@ who last month agreed on the phone to let me pay the debt in 4 payments, no more interest. Well today they tried taking £200 off my debit card. ( i moved wages to saving account wen i got paid to stop any of companies doing this ) They they then did take £5 out of my account.

 

I only found out when i went to the cash point. It wouldnt give me any money. I called the bank and they told me they had put a stop on the card due to possible fraud on my account. They explained about the 200 and 5 pounds, and then took the block off my card after speaking to the fraud prevention dept.

 

Are they allowed to try and take this money from my account.

 

They said they wouldnt, and agreed a much smaller amount than they tried to take today.

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I dont have money in the account. I moved it to my savings account, and just move it to current account as and when i need it. I have a recording on my mobile where i recorded the conversation with them. They agreed a payment plan and also promised not to ever try and take money without asking me 1st. When i spoke to my bank yesterday they asked if i wanted to report fraudulent activity on my account. Im so glad my bank blocked my account. They did however manage to take £5 from my current account.

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They will try again guff, some horror stories on this but you can not be safe until you report card lost or stolen ;).......then you really are in control. Also watch out on your online banking for dubious direct debits...and cancel. they will try anything trust me. Keep us posted :)

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