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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.
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Phoenix recoveries chasing a debt that isn't mine


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Grateful for any help,

 

Phoenix recoveries are chasing my wife for a debt that originated with Littlewoods Direct(Shop Direct) through Provident Personal Credit that isn't hers. She has already had problems with Littlewoods which we thought had been sorted out (wrote to Tony Etherington, Financial Mail), but it would seem it has just been moved on to Phoenix. At no point in discussions, both letters and telephone, has any proof been provided that my wife took out any kind of credit agreement and no proof of any deliveries.

 

What do we need to do to get rid of them. My wife phoned them but they would not deal with her because she refused to give them her D.O.B.

 

Sore Shoulder

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I keep receiving post addressed to someone else. What can I do?

Organisations have an obligation to keep their information up to date. If you have tried to contact the organisation to make them aware of the problem but you continue to receive the inaccurately addressed mail, we can consider your complaint. You can make a complaint under the Data Protection Act.Complaints - Privacy & electronic communication - ICO Send them the prove it letter: http://www.consumeractiongroup.co.uk...ng-of-the-debt adding in the above and say the next communication you get from them will go straight to the Information Commissioners' Office as it is in breach of DPA Rules.

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Firstly, I would rewrite to Tony Hetherington informing him of the situation, then I would certainly report them to the OFT, Write something along these lines and send it recorded delivery....

 

Head the letter

 

LETTER BEFORE ACTION

 

Dear Sir

 

Your company, has recently been in touch with regards to an alleged debt which you state is owed by me.

 

Firstly, I can categorically state that at no stage in my life have I had any kind of account or relationship with (Provident/Littlewoods/ShopDirect).

 

Secondly, your behaviour is causing a great deal of anxiety and upset to me and my family, and in light of these circumstances and the fact that you are in breach of CPUTR2008, I am not prepared to accept this any longer. I find your actions extremely harrassing. I am sure I have no need to remind you of the case of British Gas vs Ferguson. If your behaviour continues I will have no option but to take this matter to court.

 

In order to obtain a credit licence I understand that you have to have in place an official complaints proceudre, I now require details of this, and would expect you to send these to me within the next 14 days. If I do not receive your official complaints procedures and you continue to harrass myself, I will have no option but to commence legal proceedings with no further written notice.

 

I will also be forwarding this letter to the Chief Executive Of Provident and the Chief Executive Of Littlewoods, as they are responsible for the actions of their suppliers.

 

I trust this makes my position very clear.

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Provident recently brought a portfolio of debts from another company in an attempt to boost their profit margin by offering 'clients' a loan to cover the old debt at their atrocious interest rate. I wouldn't mind betting this is a result of a 'mistrace' on Provident's behalf.

 

I had the great pleasure of refusing a Provident lady entry into the block of flats where I live, she insisted she had 'right of entry' and tried to tailgate me on a couple of evenings. I challenged her and she said she had 'business' to conduct in the building. I gave her the managing agents telephone details and said 'contact them for details of where this person is' - the flat she wanted to get into was empty..... no way was I going to let her in and harrass other residents.

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My version of a LBA, just so you have a choice:

 

Dear Sirs

 

I refer to your letter dated (date), and to your telephone calls. All communication in this matter must be in writing.

 

I have never had any dealings with either Littlewoods or Provident; I do not recognise the alleged debt and deny that I am liable to repay it. It was my understanding that following the involvement of Tony Hetherington of the Mail on Sunday, that the matter had been resolved.

 

Consequently, I consider your actions in making demands for money to constitute harassment. I now require, within the next seven days, an undertaking in writing that the matter is ended, and that you will make no further demands for payment in relation to the above alleged debt. Should you fail to provide such undertaking, or if you make any further demand for payment, I will issue a claim against you under the Protection from Harrassment Act. I will ask the Court to order you to cease harrassing me, and for damages at the Court's discretion. You are no doubt aware of the judgment in Ferguson vs. British Gas Trading Ltd [2009] EWCA Civ 46 3, and I understand that there has recently been another case where a debt purchaser was successfully sued for harrassment in similar circumstances.

 

I await your response.

 

Yours etc.

 

 

Of course, if you threaten Court action you must be prepared to go through with it. It's not difficult, and in general the last place DCAs want to be is in front of a judge.

 

The judgment in Ferguson makes very plain that companies cannot claim that someone who knows that their claims are unjustified cannot be harrassed; nor can they blame computer processes. See http://www.bailii.org/ew/cases/EWCA/Civ/2009/46.html

 

You can also make a formal complaint to your local Trading Standards department, since the DCA's behaviour contravenes CPUTR.

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Nothing new in this scenario.

 

Are you dealing with Bryan Carter?

 

Have a look at this shameful episode:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?239224-emtdickson-Bryan-Carter-Catalogue

 

Give us more details if you can, or post copies of their correspondence with your details removed, and we’ll take the idiots to the cleaners.

 

By law, once you dispute a debt, collection activity must cease until the dispute is resolved. That clearly is not the case here.

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This is the letter i am thinking of sending please take a look and let me know what you think

 

Dear Sir or Madam,

 

I am writing to you referring to the letter I received dated September 2010, and the recent telephone calls I have made to your company.

I have never had any dealings with either Little woods or Provident Direct, I do not recognize the alleged debt and I am not liable to repay it. It was my understanding that following the involvement of Tony Hetherington of the Mail on Sunday that the matter had been resolved.

I have not yet been provided with any proof of credit agreement existing between myself and Shop Direct. Nor has any proof that the goods have been delivered to my address and signed for.

If you cannot provide this evidence within 14 days I will assume this matter is closed.

I will be copying this letter to Mr Tony Hetherington at the Mail on Sunday and if you continue with this action I will issue a claim against you under the protection of Harrassment Act. I wiill ask the court to order you to cease harrassing me and for damages at the courts decretion. I understand there has recently been another case where a debt purchaser was successfully sued for harrassment in simular circumstances.

 

I wait your response

 

Thanks for any help any of you can provide

 

Debbie

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