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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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Blackhorse keep changing default date everytime in gets near 6yrs


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I know the feeling . Black Horse Finance is run by disorganised ****

 

8

Here's an outline of of my case progress so far:-

 

83% paid off. THREE County Court hearings. Want the score so far? Read on... Magistrates' Court Act 1980, Criminal Justice Act 1967 come to mind. See complete Tables of Events for Hire Purchase and / or Personal Loan on web site.

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caggers are warned not to exchange details with the above until it can be varified

 

thank you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

If the 40 days are up, you need to write and give them a "kick up the bum"

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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hello spies 4 guests now!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Sorry to hear about your plight with BH. The information you have recieved off here is absolutely the right way to go. You have two issues (a) BH fudging the DN info

(b) Info held by the credit reference agencies. Personally, I would chase the SAR to BH, as once this is cleared up you have the ammo to bounce back at the Credit Ref Agencies. If BH do not comply you can also use the recorded delivery letters as proof to the Cred Ref Agencies too.

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all 3 credit agencies have now inspected my claims and removed the black horse account from each of there files

 

however still showing is monthly checks from debt collectors chasing up the debt on black horse behalf

my SAR request to Black horse been ignored and the cheques not cashed although recorded delivery shows signed for

 

If this is ilegal then they cant get into much trouble from it or it definately isnt worrying them

I have information from experian equifax and first call all showing black horse filing a account in June 2010 at the end of the default then in July 2010 nothing from them but reinstating a new account with new default date in September 2010

Credit expert and I quote after a lot of complaints and me demanding my SAR investigated thoroughly and concluded Black horse are outside the rules and guidelines in my case and should they continue would not be allowed to use there service

 

We hear of these rules and guidelines but basicly nothing happens

Ive complained to The Information Commissioner's Office and can show on paper they have repeatedly done this for over 8 years on all credit agency sites

 

and recieved nothing in return

honestly its all talk unless i find a solicitor and one that will fight not just take my money and talk it goes nowhere and Black horse know it

Its so blatant its almost laughable

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  • 1 year later...

Forgive me for reviving this 2 years after you guys sorted this

For the 3rd time black horse has wrongly suddenly entered on all the agencys the same loan details and a new default date.

Im a member of credit expert and immediately this was confirmed via phone and the company rang black horse to inform them once again of the re issue of this placed a note on my credit file and a week later it was removed from Experian.

 

Im fed up 3 times now I have proof thatBlack horse changed default dates and submitted the entry to all refrence agencies yet im told this is totaly ilegal.

Bad news is im now financialy solvent and willing to pursue this I currently spend nearly £50 a month for past 10 years just to rectify this every time they do so.

The default has again ruined my credit history causing me both emotional and finacial problems.

Can someone please advise on what to do im sending Blackhorse a SAR again now

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As it stands the last time they just removed the default and returned the cheque

Then a week before xmas i get the alert and log in to find the default is back again.

This time i ring credit expert who intervene on my behalf

Ive had mail its been removed from Experian but not the other agencys

 

Our Ref: EXP/41037541

 

Dear Mr P~~~~~~~

Thank you for your telephone call, which we received on 21 December 2011.

 

YOUR QUERIES:

- Black Horse (Account started 18/12/01)

I HAVE REVIEWED YOUR REPORT AND CAN TELL YOU THAT:

The account has been removed.

- Arrow Global (Account started 05/04/2006)

 

WHAT I AM DOING FOR YOU:

I am contacting the company concerned for you. This is because I cannot amend the information without their consent.

I will let you know what they say as soon as they reply.

 

Whilst I investigate your comments

you can add the following statement to the information you have queried.

 

"THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT.

GIVEN THAT THIS DATA IS DISPUTED,

PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

 

WHAT NEXT:

Let me know, by return email, if you would like the above statement adding to your report.

 

Kind regards A~~~~~~~ Customer Service Representative

Customer Support Centre

Experian Operations Experian Limited,

 

a company registered in England and Wales with registered number 653331 and whose registered office is at Landmark House,

Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ

 

To: EXPEMA Information in this e-mail and any attachments is confidential, and may not be copied or used by anyone other than the addressee, nor disclosed to any third party without our permission. There is no intention to create any legally binding contract or other binding commitment through the use of this electronic communication unless it is issued in accordance with the Experian Limited standard terms and conditions of purchase or other express written agreement between Experian Limited and the recipient. Although Experian has taken reasonable steps to ensure that this communication and any attachments are free from computer virus, you are advised to take your own steps to ensure that they are actually virus free. Companies Act information: Registered name: Experian Limited. Registered office: Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ, United Kingdom. Place of registration: England and Wales. Registered number: 653331

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Have you got documentary proof of the

original default dates,if so as Cerberus says

complain to the ICO asap, also a complaint

to the OFT will help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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bad news despite what they say its still there

 

ARROW GLOBAL LIMIT... Loan Default £7,303 18/12/2011 Hide

ENTRY NUMBER: C5

Name: MR D******* Address: ******** **** Company name: ARROW GLOBAL LIMITED Who's this? Account type: Loan Started: 05/04/2006 Default Balance: £7,303 Current Balance: £7,303

 

Defaulted On: 05/10/2006 File Updated for the Period to: 18/12/2011 Status history:

[] brackets indicate most recent months status [ hist_8.jpg ] What's this? Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

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Arrow Global is a debt purchase company

you can view the explantions on your online

report by just clicking on them.

See my advice in post 52 it is

the way forward, letter tennis is getting

you nowhere. imho.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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We tried this

they claim they are only acting on the information given to them by there client Black horse

problem is Black horse use a diffrent company every time and so credit expert mail them etc it gets removed as experian cannot remove it even though they can see its false

 

Im told its a big offence to report it etc and now going to 100% but what I dont understand is if its a big offence whey Black horse keep on doing this when its clear to everyone

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ok so who do i go to the information commisioners office?

 

I do not accept this as imcompetance for 13 years this problem repeatedly occus and causes me so much upset not to mention locking me out of possible deals i could get.

Ive been hounded and abused by blatant misleading lies had to suffer it until reading you guys advice started keeping paperwork (best advice ive read)

 

So they are wrong repeatedly and ive not just got the evidence on a single occasion but repeated blatant mis information bieng used to hound me into paying money in a systematic way

 

Surely this has to be ilegal?

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Go to the ICO website there is all the info there

for makng a complaint.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What about taking out an injunction against them to demand that they no longer report on a statute barred debt? Is that an option?

 

if its legal to take the injunction out im in a position to proceed

 

might need to consult a solicitor

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What about taking out an injunction against them to demand that they no longer report on a statute barred debt? Is that an option?

If there is a way of doing this its a route i would take as it goes has this been done before?

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I only mention it as I had a problem with a parking ticket early last year. (I didn't know about the ticket and had issues getting into my mailbox. - It was full up from me avoiding everyone chasing me! Long story but it's all in the past now.) In any case, I engaged a 3rd party and we took them to court proving they'd not in fact issued a warrant and demanding that they return it forthwith. Fortunately for me, after a lot of blustering, the day before the hearing they backed down and returned my car. I really would get proper advice but the compelling point is that if what they are doing is unlawful (reporting on an out of time / statute barred debt) then a judge will demand that they no longer carry on with such actions. Failure to obey a judges instructions will result in someone going to jail. The companies really do listen when they get a court summons. (I know that the guy I used has been to court and I believe he's won many times.)

 

As an aside, the council did threaten me with legal fees if I lost (£5k lol) so I'd definitely make sure it's checked by someone that actually knows what they're doing but it really helped me. Still got the car now. :o)

 

(The worst thing was, if the bailiff had just knocked on the door and told me and charged me the fine plus £50 or so, I would have just paid it, but they're greedy liars and they got nothing.

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This seems to be going nowhere at present, have you at

any time used a Subject Access Request to Black Horse??

I am unclear as to who now actually owns this debt!!!:???:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Im told by Experian Black horse say they own the debt

 

Funy thing is there is no debt ill explain why in a minute

 

Every time Black horse give the debt to a collection company the change the default date.

Credit expert notify the colection company who then check back with Black horse and delete the entry.

This is the 3rd time colection companys have done this now that I can prove but it has gone on since 2001

 

The story is in 2000 I bought a nearly new vectra and also at that time we had to take out PPI

within 3 weeks I was involved in a major traffic accident leaving me disabled and in hospital for nearly 7 months.

I had car insurance and payment nsurance etc so it all got paid out

A year later Black horse informed me the protection insurance would not cover me as I had missed a vital clause of there terms and conditions - I hadnt informed them within 28 days personaly about the accident.

It might of been the fact for 14 days i was in intensive care and medical letters etc show this or the fact at the time my wife informed the insurance company and Black horse finance of the situation and didnt realise Black horse finance and black horse insurance were too diffrent companys.

Anyway in 2001 it all went away etc heard nothing until 2004 when they registered a default on my credit file

 

Challenged this at the time and got told the default date was the date of the last payment on the loan ( later the removed the default)

 

This happened again in 2004 and then I joined credit expert to monitor things

 

As you can read this stayed on my credit file until 2 years ago when it legaly dropped off and a month later they re inserted it back on with yet again a diffrent default date

It was challenged after advice here and removed.

But xmas time it was back on again, a single default that crippled my credit rating yet again

its harrasment and realy making me physicly ill.

And the worst thing is its just demanding money and making my normal day to day expences expensive in the hope I agrea to pay it.

Im also told its ilegal and cant be done yet its happening once again and who do i complain to?

I spoke to an advisor at the information comissioners office and if I remember they cannot take action over cases like this they are not there to punish they are there to oversea correction implementation of the system is enforced and to advise the companys and nothing else

 

They can refer the case to a court but this is never ever done full stop in a company the size of Black horse, I mentioned the forum and it was mentioned research things well as companys this size do not get punished

 

As you can see I am in despair if its so wrong and ilegal why cant i just ring someone up pass them the paperwork and lety them investigate it?

This time i have to seek proffesional advice make a case in full before I can complain even there (information commisioners) website states full documentation must be shown when complaining

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