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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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Citi Financial/Robinson Way Summons Received...


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Hello there

 

I've got a CitiFinancial loan for about £5,000, with a ridiculous rate of interest, about 19.9% or something, off the top of my head. The repayments are about £150 per month and I've missed the past couple because I just can't afford them anymore, with rent, fuel getting to work, food, child, partner not working etc - general life!!

 

At the moment, my credit rating is poor due to ongoing disputes with organisations, and claims in process, so I can't get a loan with a better rate to consolidate this one.

 

Has anyone got an advice on what I should do??

 

Thanks in advance

 

Mr Fish

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hi,

can you remortage (spelling!!!) we have just done it so all our debts are together with a affordable payment.

 

not always the best thing to do.

 

spinningfish:

 

give one of the free debt help charities a call.

 

national debtline are on 0808 808 4000. they will be able to advise you on all your possible options. you can view their website here: National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

cccs are also excellent although i don't know their number off the top of my head!

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Wouldn't advise re-mortgaging to anyone, as I suspect most of the forum wouldn't (mainly through bad experience)

 

If your credit rating is very poor it would be a high interest rate to say the least, and why turn an unsecured loan into a secured one

 

I would never have re-mortgaged if I'd thought thngs through and knew what I know now regarding rights, consumer law etc

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from £1 per month??? Surely they will tell me to naff off if I offer lower than the agreement??

 

They may tell you to naff off but they cannot make you pay more than you can afford, and they know if they take you to court the nno judge will order you to pay more than you can afford even if it is only £1 per month.

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 1 month later...
Sorry - I know this is from a while ago.

 

I sent a CCA request in the first instance and got the signed agreements back, so should I now write to them and tell them how much I can afford to pay?

 

Thanks in advance

 

Mr Fish

 

They may ask you for your income/expenditure to prove you can only pay x amount. I did it recently myself as they said they could not accept a reduced amount unless I provided this info, when I did provide it they accepted the lower payments

 

good luck :)

Hit the scales, you know you want to :p

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Just out of interest, is there any legislation that says that they can demand to know what your income/expenditure is?

 

Thanks

 

Not sure, but I very much doubt it

 

I was a bit naive when I first started dealing with a DCA, they demanded payments I could not afford and said the only way I could get them to accept a lower payment was to provide these details. I just did it to get them off my case until I could get a CCA request out to them.

 

I just found it easier and it stopped them phoning me numerous times a day, when they realised I genuinely could not afford what they wanted.

Hit the scales, you know you want to :p

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Would it be worth checking for any charges on your account before making any repayment offers? If you have them, check back through your statments or send them an SAR. Could reduce the total owing and also buy you a little bit more time.

 

Just an idea :(

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I am in the same boat with Citi. I sent them a SAR on 7th March since which time they have sent me information which is incomplete and each time I have had to write back to them. At this point it is still incomplete. For some reason they are avoiding giving me a balance but sent me a settlement figure instead. I am having to go back to them again. I can tell you there will be charges. £10.00 a month. I would do a SAR and see how you get on.

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Just out of interest, is there any legislation that says that they can demand to know what your income/expenditure is?

 

Thanks

 

No, but if you wantthem to freeze interest and accept lower payments then it is obviously the only way you are going to prove to them that you cannot afford to pay the full amount. In this scenario they are not likely to go for CCJ either.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I'm also in a trickt situation with citi. I am paying £345.00 per month for the next 4 years. It's crippling me along with the mortgage/counciltax/cartax/gas/elec/phone/fuel etcetc. I can no longer pay this ammount, we need some good advice on how we can overcome this horrible situation. We cannot remortgage because we have poor credit. Please can somebody help???

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I'm also in a trickt situation with citi. I am paying £345.00 per month for the next 4 years. It's crippling me along with the mortgage/counciltax/cartax/gas/elec/phone/fuel etcetc. I can no longer pay this ammount, we need some good advice on how we can overcome this horrible situation. We cannot remortgage because we have poor credit. Please can somebody help???

 

Are there any charges included in the total you owe to them? If you think there are then send them a SAR and claim back the charges first

 

The best way to prove you cannot afford the monthly amount is to do an income/expenditure, they can't take what you don't have and so long as you are making token payments, no matter how small, it would go in your favour if it ever went to court

Hit the scales, you know you want to :p

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Contact CCCS, number is up near the top of this post, they will either contact the creditors for you or email you a self-help pack which is very informative and easy to complete, no way should you be paying more than you can afford. They are tricky customers though and in my other half's case where he is paying them £38 per month, we noticed they had suddenly started adding interest again, a cynic might think this was because we went after them for penalties and got a partial repayment, haven't gone any further because we have our hands full with Barclaycard but haven't finished with them yet! - they say its because the 6 month agreement had come to an end - however he told them that they are the only ones getting more than the pro rata agreement and now they have agreed to £34. per month.

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alleycat, do you meen are there any late payment charges?? if so the answer is yes!! today i have requested the past 10 years loan agreements from them. I have perhaps had six or seven loans from them in the past ten years, each has been consolidated to a top-up loan.Imagine i had a loan for £5,000 over 5 years, after 2 years i borrow a further £2,000 I beleive that they have just deducted the ammount i have paid within the two years and added the rest on to the new loan without taking away the three years interest(if that makes sense)?? along with this they have always insisted that i took the ppi otherwise i would not get the loan..! I realy am struggling with citifinancial, I honestly cannot aford to pay these payments any longer. The thing is im a little worried as to what will happen if i dont. I might sound a wimp but anything like this i realy do panic!! please anybody can you reassure me?? thanks alleycat for the advice....

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Have you had your agreement checked out with the Trading Standards Office. They have currently got mine. I am worried about them aswell. Whilst everything appears on the agreement I feel there is something I'm missing. Also, you can obtain an e

Personal Budget Sheet from the National Debtline Website. This is brilliant you input all your income and and expenditure and it works it out what is left for creditors on a pro-rata basis. There is a letter in General Debt Letters to send it to them with.

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As the last post suggests...get the agreements checked out by Trading Standards, if you think there's something not quite right, it's best to know for sure.

 

As for the charges.....claim them back! You say you have requested the agreements from Citi, but have you sent them a full SAR? It will cost you £10 but you'll be able to claim for unfair charges, such as late payment charges

 

As I said about income/expenditure, it's a good way to prove what you can and cannot afford, and read the other posts...contact the national debtine or the CCCS.

 

You can reduce the amount you are paying now and try not to worry too much! Don't stop paying them altogether, but if all you can afford is a couple of quid a month, then that's what you should offer. A roof over your head and essentials should take priority, don't leave yourself short

 

:)

Hit the scales, you know you want to :p

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