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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.
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    • 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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Please help, Next are taking court action without cca agreement *** WON ***


delbuk
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IMHO you should

 

dx

 

Isn't it too late now? The hearing is set and I have sent the docs already. Would I have to start a new claim? Should I treat it as a separate case? Sorry I keep asking, I'm useless with things like this.

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Isn't it too late now? The hearing is set and I have sent the docs already. Would I have to start a new claim? Should I treat it as a separate case? Sorry I keep asking, I'm useless with things like this.

 

Its never to late to reclaim the charges but you may have to start a seperate claim!

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I have had a copy of their documents which they are going to present in court next month.

 

Within the documents it basically says that I received goods off them online and I still owe them the money.

 

Also they have a witness, a litigation assistant.

 

They also say that they sent an unsigned credit agreement because such requests only refer to running-credit accounts, and because mine wasn't they don't have to send it to me.

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" They also say that they sent an unsigned credit agreement because such requests only refer to running-credit accounts, and because mine wasn't they don't have to send it to me."

 

Running and Fixed sections 77/78/79 :loco:

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They also say that they sent an unsigned credit agreement because such requests only refer to running-credit accounts, and because mine wasn't they don't have to send it to me.

 

BS!!

 

8 Consumer credit agreements

 

(1) A personal credit agreement is an agreement between an individual (“the debtor”) and any other person (“the creditor”) by which the creditor provides the debtor with credit of any amount.

 

(2) A consumer credit agreement is a personal credit agreement by which the creditor provides the debtor with credit not exceeding £25,000.

 

(3) A consumer credit agreement is a regulated agreement within the meaning of this Act if it is not an agreement (an “exempt agreement”) specified in or under section 16.

 

61 Signing of agreement

 

(1) A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

 

(b) the document embodies all the terms of the agreement, other than implied terms,

 

127 Enforcement orders in cases of infringement

 

(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

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Thank you for you replies.

 

I am quite stressed about this, I wonder whether they' ll let this actually go to court or they may give up.

 

If the judge in court asks me about me owing Next money, what do I say?

 

I haven't denied I owe them the money, but what can I say?

 

Do I just say that I am still waiting for my signed cca agreement?

 

I hope I don't have to say anything !

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have you got all the statements.?

 

i'd get a charges spreadsheet done

 

how much do you owe?

 

and when did you last use [in/out] the account?

 

have you checked your CRA file too?

 

i hope this debt shows?

 

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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Thank you for you replies.

 

I am quite stressed about this, I wonder whether they' ll let this actually go to court or they may give up.

 

If the judge in court asks me about me owing Next money, what do I say?

 

I haven't denied I owe them the money, but what can I say?

 

Do I just say that I am still waiting for my signed cca agreement? Yes and also state what they said about fixed credit to the DJ

 

I hope I don't have to say anything !

 

Andy

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No I haven't got the statements,

mainly because they didn't send me my agreement

so I thought that would be enough.

 

I have not asked for their charges because I didn't have that many.

I owe them about £700.

 

I last used the account about 2 years ago,

and had been paying ever since to clear it, but because I was late 7 days, they took it to court.

 

I have not checked my CRA account, what happens if this shows?

 

What do I do then?

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i'm really surprised they 'just' took it

to court for being 7 days late!

 

just as a side issue, i hope Next is named as the claimant

 

if its cohen, an NEXT are shown on the CRA file as the owner...

then i thought only the owner of a debt could take you to court.?

 

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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I am quite sure I wasn't sent a default notice.

 

I was however on a payment arrangement scheme,

and when I contacted Next and pleaded with them to take my payment,

they said that my account had been transferred to Lewis Collection Agency,

and then I received a letter from Howard Cohen and co,

a notice of pending legal action, unless I paid them the whole amount.

 

Then I asked them for my cca and I am still waiting.

 

Next is named as the claimant

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ok that expains it then

 

you were on a payment plan

so they'd not been getting the minimum for a while anyhow.

 

was this a fee paying DMP or one of your own?

 

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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I'm sorry to come into this thread so late, but I think that Next (online) set up a credit account for those who ordered items from their catalogue. This is just my opinion, but it seems the mistake Next made is that people didn't sign any agreements at the time and before 2004 you needed a 'signature' on an agreement - http://www.consumeractiongroup.co.uk/forum/showthread.php?152384#post1618550

 

So what I am saying is that they turned people's next accounts into credit accounts and if it was done over the internet, then they made the mistake of not getting people to sign any agreement, and as you can see from the above link - "The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 any online agreements entered into prior to this date still need a signed executed credit agreement.

Electronic signatures weren't considered valid until this date."

 

Bearing this in mind I think this should be one of your defending options....

 

You should also read this thread but be cautious as it is quite old - http://www.consumeractiongroup.co.uk/forum/showthread.php?200505-Tactics-for-dealing-with-Next-Directory-Court-claims

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  • 2 weeks later...

Today was the day!!!! Let me just say that I WON !!!!!!!!!!! Next's claim was struck out!!!! The words are still echoing in my ears. I had been so worried and I hadn't been able to sleep well. Today I went into court hoping things would go my way, but I thought seeing as it's me things will DEFINITELY go wrong.

 

The judge asked me why I thought asking for my CCA would help. So I said that in the unsigned one they had sent me, it said that according with the credit act of 74, I have rights. The judge then asked them, since my defence was that I hadn't received my CCA, where it was.

 

They said they don't keep them after 6 years (pathetic excuse, I know) but that I had signed one (NEVER),and they knew the date too, and although it was numbered as an exhibit as well, it was nowhere to be seen.

 

So then the judge told them that it was up to them to prove I had signed the agreement, and owe them the money. The judge then asked me whether I denied the debt. I said no, because I had been making payments every month, but when I was 7 days late, I called to make payment and they said no. The judge looked baffled that they refused a payment!

 

So I said Next escalated things to a court claim and I asked for my CCA, which I was still waiting for. I think the judge was annoyed, because they are trained solicitors, and they were trying to pull a fast one when they should know better.

 

What kind of idiots are they? They tried to intimidate me right from the start and I nearly gave up many a time!!! I want to say special thanks to everybody that answered my queries, especially andyorch, and the website for all their threads!!! Now the moral of the story is that if Next had allowed me to make that payment six months ago, they would still be getting their money today, but because they were greedy and unwilling to cooperate, they LOST it all!!!! So, again, THANK YOU, and to other co-sufferers, DON'T GIVE UP!!!!!!

 

 

All this happened while I was wearing my store bought Next top for good luck. ha ha ha

Edited by citizenB
formatted for easier reading
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A great result...very well done indeed !!

 

Thank you, I still can't believe it myself. Now I'll just have to make sure they remove the debt from my credit report, unless of course they do it themselves now.

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Well done

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Excellent news.

 

Interesting that they say they dont keep legal documents prior to 6 years - they are actually obliged to do so in respect of money laundering and tax laws.

 

I can understand statements being shredded after 6 years.... but the actuall agreement and without even storing it on microfiche first.. oops !!!

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Delighted delbuk

 

What did I tell you no CCA no enforcement.

 

Well done for standing your corner.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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hehe

 

i'd be cheeky and reclaim the PENALTY fees now!!

 

rub their noses in it!!

 

well done!!

 

 

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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