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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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Fredrickson International Limited Help Needed!


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Guest Cartaphilus

Okay, so I now have a reply saying it's been passed back to their clients to get my CCA ... so, which would those be then? Phoenix?

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Phoenix? CCA? Ha ha ha ha ha ha ha!

 

Stop ROFL and get some work done :lol:

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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Well, you put it so much more eloquently than me with the 'HA HA HA' bits, but my point exactly. ;):D

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Well, now over 12 days since requested. Hmmm.

 

So do I bother with the dispute letter for failing to provide a CCA in the set time or just wait for more correspondence?

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I suppose if the account was in dispute, if they just sold the debt without ever getting back to you, you could point this out to the next DCA that came along. Thought it was against OFT's rules to sell a debt on, if in dispute. I am sure I have seem many reports of debts being passed back for this reason.

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Well, yes it is, but we all know it happens anyway. However, I need to know whether I need to send it to them because of whom this DCA is more than anything.

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I would send it anyway to keep the paper trail going, at least then, when it is passed on to the next unlucky recipient you have already done everything. You will only need to tell the next bunch of muppets that it is now in serious dispute!

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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  • 2 weeks later...
Guest Cartaphilus
Phoenix? CCA? Ha ha ha ha ha ha ha!
Well, if I were the only person in existence to get a letter saying 'client: Phoenix' then yes, it would be hilarious I suppose ... there again, I know I am not from reading here and Google. But no reply. I hope it stays that way. Edited by Cartaphilus
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Spark to a flame. It would also appear that other debts of mine are all finding their way to this mob lately as well, not Phoenix ones, either. But one assumes they are just like vultures picking over things once every other DCA has exhausted itself, along comes Fredrickson.

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Well, anyway, like I said on my other thread I have become fed up of being picked on, bullied, maligned, everything taken from me in life that I will put myself into a coffin before I let anyone of these **** take any more of what is left away from me.

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We‘re all here for you.

 

Now received a letter, but from SDFS not Frederickson's. Cover letter, enclosing what they are saying is my credit agreement. Will post that soon as no PC access for now.

 

It's one sided headed 'customer copy' and looks like it's been copied over a few times before sending it. Also one sided, Few initial observations asides from that are: there are three handwritten account numbers on it in the sections for that. One is printed, the other written, completely different. It doesn't look enforceable, looks very sparse, not really a lot of print on it but would need checking. But the account numbers are not the same, and as it's a copy of a copy could have been written on it anytime. The account number on Frederickson's letter matches the one handwritten at the top, but not the one written at the bottom, the printed one a totally different number altogether but that's where it's headed 'account number'. All seems very odd to me.

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We‘re all here for you.

 

Now received a letter, but from SDFS not Frederickson's. Cover letter, enclosing what they are saying is my credit agreement. Will post that soon as no PC access for now.

 

It's one sided headed 'customer copy' and looks like it's been copied over a few times before sending it. Also one sided, Few initial observations asides from that are: there are three handwritten account numbers on it in the sections for that. One is printed, the other written, completely different. It doesn't look enforceable, looks very sparse, not really a lot of print on it but would need checking. But the account numbers are not the same, and as it's a copy of a copy could have been written on it anytime. The account number on Frederickson's letter matches the one handwritten at the top, but not the one written at the bottom, the printed one a totally different number altogether but that's where it's headed 'account number'. All seems very odd to me.

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Guest Cartaphilus
We‘re all here for you.

 

Now received a letter, but from SDFS not Frederickson's. Cover letter, enclosing what they are saying is my credit agreement. Will post that soon as no PC access for now.

 

It's one sided headed 'customer copy' and looks like it's been copied over a few times before sending it. Also one sided, Few initial observations asides from that are: there are three handwritten account numbers on it in the sections for that. One is printed, the other written, completely different. It doesn't look enforceable, looks very sparse, not really a lot of print on it but would need checking. But the account numbers are not the same, and as it's a copy of a copy could have been written on it anytime. The account number on Frederickson's letter matches the one handwritten at the top, but not the one written at the bottom, the printed one a totally different number altogether but that's where it's headed 'account number'. All seems very odd to me.

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Any way you could post it up for us?

 

What I find odd here is that Shop Direct Financial Services (Littlewoods) is writing to you. Why on earth are they writing? This has nothing to do with them any more as they have sold the account to Phoenix.

 

We did say that Phoenix never write to anyone, cos it’s simply a special investment vehicle with sod all employees. But I think there may be data issues here now, hat the ICO may like to hear about. I think SDFS would only be able to write to you if you instigated the issue directly with them.

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That's exactly what I was thinking, why are SDFS writing when it should be Fredricksons/Phoenix? I will scan and post later. Not a clue why my post got duplicated so many times, as there were only two duplicate posts when I last looked.

 

It does mention in the cover letter that I should direct all matters to Phoenix Recoveries, absolutely no mention of Fredrickson's involvement anywhere. Will post later.

 

Mmm, that's very interesting ... But just realized both envelopes I have received from Fredrickson's have had a TN start postcode on the back of them. When they are KT.

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Is it in Southend (where it has cropped up as Christopher Pinnion solicitors/Fenton Cooper/Rockwell)? Or Cobham (its true home, as part of CarVal Investors, part of the Cargill conglomerate)? Or at Fredricksons? Or Luxembourg? Can’t wait!

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Cover letter: account number is different to what is on the credit agreement. Have obliterated any obvious IDs.

 

sdfsw.jpg

 

Agreement.

 

sdfs1.jpg

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Aha. Freds then, through one of its managing companies, Credit Account Management. Not actually a real address for Phoenix.

 

At least they acknowledge you had not yet been advised of the assignment! The assignment is not effective until you have been told. I’m not sure this actually counts as an NoA, because it does not give the FULL details of the assignee. I think this means the collection activity hereto has been illegal.

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Guest Cartaphilus

Also what I was thinking *mostly* that they'd put the cart after the horse in telling me all this time later it's been assigned to them. How do I tackle this now, then?

 

As Fredrickson's is soon to be back again.

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