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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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Over 6 years of paying off debt, what happens next?


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I thought so too, thanks. I am going to write them saying they either send me a standing order form or I continue paying directly to the original creditor. Thanks.

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Their only aim is to get you on the phone.. of course they can send you a standing order slip - in fact they normally attach them to their statements.. silly sods!

 

Unless and until they provide you with these details then you can only assume that they have no right to the money and continuing to pay via the original creditor seems the right course of action.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I want to pay too but will just like them send me a standing order form so I can have something in writing for my records in terms of which account I am paying into. I think that is fair enough. Thanks for your input, very much appreciated.

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well, until the send you the appropriate details keep paying the OC and do not speak to Apex on the phone. Just keep resending them the letter you first wrote requesting details and manually cross out the date and rewrite it and get proof of posting over the PO counter (its free).

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  • 2 weeks later...

Thanks a lot guys for your help.

They have both (APEX and WESCOT) agreed to send out the details to me in writing.

Thanks a lot for your help.

 

I have also been able to open a cash minder account with the Co-operative bank,

I need to deal with the overdraft with Halifax as I understand I can't tackle that problem if I still have a current account with them.

 

Does anyone have a letter template I can use in dealing with the overdraft from Halifax?

what I will like them to do is allow me to make regular payments every month without interests.

 

Thanks a lot for all your help.

I am a lot better off than 8 months ago when it all looked like there was no hope,

if not for the help I got on this forum,

my life and that of my family would have been a nightmare.

 

 

I cannot thank you guys enough.

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If you don't get a good outcome write to them outlining why you went in, what the (unacceptable) result was and how stressed you are about all of this. Get proof of postage which is free over the post office counter. It will help you amass material for a Formal Complaint down the line. Note they may not freeze the interest at zero, they may just reduce it, or they may refuse point blank to do anything of course other than come to an arrangement to pay back slowly...

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Hi Tunde, Glad you feel much better than awhile ago, Like you this site has been a godsend - I now don't worry about the debt and just get on with life, like many on this site.

 

Intend

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  • 5 weeks later...

Hello all, it's been a while.

 

I have been away with little access to the internet.

A few developments: Halifax sent me a £25 cheque because of my complaints about how they treated me when they passed the accounts to Apex and Wescot.

 

Apex are yet to send me the account details for me to make payments directly to them so I keep paying the original creditor.

 

I cannot thank you guys enough,

I was even able to take my wife out to watch a film this week!!!

 

Not done that for about 2 years!

 

Thanks a lot.

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Hello Tunde, this is some good news then.

 

Enjoy your excursion to the cinema :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good news - I too got a check for £25 for my complaint on how LTSB handled account - I insisted on a paying in book, just rec'd, the less the banks have my cash the better.

 

Keep going and things will get better.

 

Intend

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Excellent Tunde, glad you were able to spend their money on something enjoyable.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

Hello everyone, just a note to say thanks for your help. Life is a lot better and I have not missed any payment. I am very grateful and would love to give something back to this forum, how can I do that? I don't have a pay pal account.

 

Please let me know. Thanks a lot to everyone who helped, even my health and blood pressure is so much better. God bless you all.

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  • 7 years later...

Hi all,

Thanks a lot for your help here, much appreciated.

 

My situation is that I had defaults on my credit cards and loans years ago (about 8 years ago),

it got to a point I could just not cope with the increasing percentage of interest they kept adding to the credit cards.

 

With the help of this forum, I was able to enter an agreement with the creditors and they froze the interests.

I have been making these payments since then without missing any, started out with about £24,000, now down to about £6000.

 

I wanted to find out what happens now that the agreement is over 6 years and how that should affect my credit rating.

Is there anything I need to do that can help with the credit rating?

 

I recently got a new credit card from COOP bank (it was a surprise!),

I have been using it and paying back before payment due date.

Is there anything else I can do or should do? 

 

Thanks a lot.

 

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well the agreements being over 6yrs are immaterial. (i assume you mean payment agreements not the credit agreements?)

any default reaching it's 6th birthday removes the whole account paid or not paying or not from you file

 

you have running credit so thats good..

 

i will guess you mean..how else can i improve my score?

 

 

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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Thanks a lot for the reply, yes I mean the payment agreement, if the default still appears on my file, how can I get it removed? 

Yes I mean how else can i improve my score.

 

Thank you.

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All your debts should have been defaulted years ago when you arranged all the reduced payments

(i've merged your old thread here for history)

 

.

 

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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what are the defaulted dates of the debts on your credit file?

they should all have been defaulted within 3-6mts of you starting your reduced payment scheme 8yrs ago.

as those were the ICO regulations at the time.

 

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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Both are Link accounts, inherited from Barclaycard, this is all it says on the file..........

 

Details of Account - LINK FINANCIAL (BCRD) 
Type - Credit Card/Store Card
Account started
26/06/1998
Current Status - Up to date
Entry code - C3


Details of Account - LINK FINANCIAL (BCRD) 
Type - Credit Card/Store Card
Account started
19/04/2000
Current Status - Up to date
Entry code - C4

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