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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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Arrows & HSBC credit Card 'debt'


surfhair
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What a tidy little thread this! DCA effectively hoodwinking it's 'client' surfhair, then getting greedy and demanding more. Surfhair can't afford more, finds this site and kicks them into touch. Beautiful , just beautiful. Surfhair, don't forget to ask for you £1 back.

Eyes opened and back in control of my life thanks to this site x

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  • 2 months later...

HI Guys

Since my last post Rockwell have attempted to phoned me around 25 times, I made sure I did not speak to them on any of these occasions well today I received the following letter:

Notice of recovery Action

Fenton Cooper is a specialist debt collection agency. We have been instructed by our client to collect recover this outstanding balance on their behalf.

Read this notice carefully and follow the instructions and reply immediately.

Failure to take the above action immediately may resulting the following actions:

1 A DEBT COLLECTOR MAY CALL AT YOUR HOME

2 A COURT JUDGEMENT / DECREE MAY BE REQUESTED

You should be aware that any court costs awarded will be added to your debt

Your faithfully

Fenton Cooper

By the way it is important to note that this company just happens to have the exact same address as Rockwell, my question is what should I do next I live with my parents so I assume they would not be allowed to call upon their house, does anyone have any advice on how I should proceed.

Thanking you in advance

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HI Guys

 

Since my last post Rockwell have attempted to phoned me around 25 times, I made sure I did not speak to them on any of these occasions well today I received the following letter:

 

Notice of recovery Action

 

Fenton Cooper is a specialist debt collection agency. We have been instructed by our client to collect recover this outstanding balance on their behalf.

 

Read this notice carefully and follow the instructions and reply immediately.

 

Failure to take the above action immediately may resulting the following actions:

 

1 A DEBT COLLECTOR MAY CALL AT YOUR HOME

2 A COURT JUDGEMENT / DECREE MAY BE REQUESTED

 

You should be aware that any court costs awarded will be added to your debt

 

Your faithfully

 

Fenton Cooper

 

By the way it is important to note that this company just happens to have the exact same address as Rockwell, my question is what should I do next I live with my parents so I assume they would not be allowed to call upon their house, does anyone have any advice on how I should proceed.

 

Thanking you in advance

 

They are Rockwell with a funny hat on :o)

 

Please note the careful use of words such as May in their letter,

ie.

They may send someone around who has no more authority than the ice cream man,

 

or

 

They may take this debt that they have already conceded cannot be enforced in court, to .....erm court, where they wont be able to enforce it.

 

You can either

ignore them

Tell them to go forth

send them a letter pointing out that the account is subject to a dispute (s77/78 Request) and until that dispute has been resolved they are getting nothing

  • Confused 1
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Thanks Mate, puts my mind at ease somewhat, i'm wondering what new name they will use next. Its worrying having them phone all the time but from what you say this sounds like they are just trying to use another scare tactic on me thank god for this excellent site.

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If you are confident enough to deal with them, answer their calls and simply refuse to go through any security questions, they will (by law) be compelled to terminate the call. otherwise, listen to their opening spiel and simply tell them to put it in writing and then hang up, it really is up to you.

 

They want to get you into a protracted telephone conversation so that they can use their "tactics" lol and get you to make a payment of some kind, avoid this unless you are entirely comfortable with dealing with rude and aggressive people

 

Being something of a part time urologist, I like to take the pee, so ask them your own security questions, confirm their name, dob, address and shoe size, great grandmothers maiden name, you get the gist have a laugh at them because once you realise that they read from scripts and really are pathetic, they aren't scary at all

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Hi there

It is NOT UP TO ANY DCA to say how much you have to pay (or not pay) as the case may be.

 

ONLY A COURT can decide.

If you ALREADY have an agreement to pay 1 GBP a month then that's IT --if they don't like it --- tough ladies accroutrements.

 

Its up to THEM to go to court and demand more which in your case they certainly won't get.

 

Remember in any DEBT situation no matter how hopeless it seems ALWAYS TAKE CONTROL rather than letting someone else decide.

 

The whole DCA is a STINKING ROTTEN BUSINESS which really deserves to be ended at once.

 

Banks etc lend money often to people they shouldn't have done and then when the borrower gets into difficulties --often through no fault of their own --jobs moved offshore, death, illness, family breakup etc etc. they charge HORRENDOUS FEES and offer no help whatsoever to people who would be prepared to pay something.

 

To re-iterate--YOU say how much yo can pay --NOT THEM.

 

If they don't like it it's up to THEM to go to court which they won't do if you are already paying something.

 

Cheers

jimbo

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Thanks Jimbo,

I was unaware that they had to go to court in order to change the payment amount, this now makes me realise why they told me the offer of a £1 was no longer acceptable as they were clearly trying to attempt to goad me in making some new offer due to the demand of full payment my only regret is that I didn't know about this website when they first contacted me as I would have cca'd them straight away.

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Thanks Jimbo,

I was unaware that they had to go to court in order to change the payment amount, this now makes me realise why they told me the offer of a £1 was no longer acceptable as they were clearly trying to attempt to goad me in making some new offer due to the demand of full payment my only regret is that I didn't know about this website when they first contacted me as I would have cca'd them straight away.

 

They can "demand" higher payments at any time, however the only way they can "make" you pay more is via the courts, this whole business is based on negotiation and threats, it doesn't matter how much you offered to pay, within a very short time they would be back "demanding" more. since the agreement has already been breaced only you are in a position to decide what you can afford to pay and without a court order they cannot force you to pay more

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  • 2 years later...

Hi Guys,

i really hope you can help me.

 

As you can see from the previous posts i had an issue with Rockwell and after a period of silence from them

(after following the advice given by this forum) i finally recieved a letter saying requesting payment from Arrow global. I ingorned that letter and recieved a letter from someone called Wescot credit services LTD two weeks ago( i ingorned t

 

hat letter). However, today i recieved another letter from them stating I have 7 days to pay or a door step collector will visit my home.

 

As i live with my parents i am really worried about this.

 

Can they do this and what should i do as i have no money to pay.

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Interesting – looks like they have sold your account to Arrow. They should not have done this with an account in dispute. Did you receive a notice of assignment?

 

Simply write to them pointing out that, until they comply with your valid CCA request (as sent to the previous idiots), the account remains in dispute, and any further threats of action against me will be viewed as harassment and reported to the police as such, and to the OFT.

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thank you DonkeyB.

 

Yes i recieved a notice of assignment in Dec 2011 so quite a while back.

 

I was unsure of how they were able to sell a account that was in dispute.

 

I will send Wescot the same letter I sent to rockwell.

 

god bless you for your help.

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http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

have a read. basically if they come calling, tell them inw hatever language you like, to leave immediately, or they will be removed by force. If they still wont go, record them usign a camera phone and call the local police as some unknown person is calling at your home demanding money with menaces.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you Renegadeimp I shall do. Certainty caused me a lot of stress the thought of them calling here.

Do you think it would be ok if sent them a copy of that letter together with the request for a CCA

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Thats what they rely on. remember, they have no rights at all. Just make sure you get that letter sent to the new owner asap, so if they try anything you can prove it has been in dispute for years. Send the letters by recorded delivery so they cant say they didnt receive them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Theres nothing to be worried about. Even if they were stupid enough to even consider legal action, it's easily defended.

 

One thing to remember. If rockwell have ever been near the debt, you can be sure it is 99.99% unenforceable. They only deal in lemon debts that nobody else will touch.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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is this debt showing on your CRA file?

 

see below

 

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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do all your old addresses show?

 

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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  • 10 years later...

Hi friends,

I had a debt of 4,000 pounds some 15 years ago with the HSBC

after years of paying massive amounts of interest on the credit card i defaulted and agreed to pay £1 per month.

This debt was then sold to various companies who harassed me rockwell, Arrow and Fenton Cooper to name a couple.

With help from this forum i CCA'd them and they were unable to produce any cca

they also acknowledged they could not enforce any credit agreement through the courts and as of 2010 i didn't pay another penny. 

A few days ago after 10 years of silence i received a letter from Arrow informing me of the debt.

Can i ask anyone's advice as to were i stand with this?

over 10 years have passed and i really thought i'd heard the last of it.

Many thanks for your help.

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