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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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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Debt Managers Ltd - Arrow- Shop Direct (Carval)


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Have a read of my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?353972-Debt-Managment-Ltd-sending-txt-to-my-phone&p=3869681&viewfull=1#post3869681

 

Sounds like I'm a little further along their conveyor belt of Xmas cracker P.O box "Solicitors"

 

Just sent them a merge of about 4 letters, should keep them busy! :-D

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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thanks everyone I will read your post now Nishi

 

So if this debt is an alleged catalogue debt then is this covered under CCA and worth sending a request to them? thanks.

 

Can i get this default off since they didnt send me a notice?

If i help feel free to click star on my post. cheers

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Yes it is subject to the CCA, but they won't have one I guarantee it.

 

Do you recognise this debt? Did you have a catalogue?

 

If this isn't yours then the CRA should be informed to remove the incorrect data from your file or face legal action along with the clown who placed it o their.

 

If you do recognise it, then you can tie them up in knots, reclaiming all the fees and charges they have added then paying £1 a month, it will never go near a court.

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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i have had a catalogue once before - but only used it lightly and they are claiming i owe over £400 which is incorrect.

 

 

one of the linked addresses they put on myfile is incorrect IE the house across the road - i have informed the CRA's of this

 

I guess i need to tell these lot the same?

If i help feel free to click star on my post. cheers

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Theyre claiming that amount because the debt is full of penalty fees which you can reclaim.

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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ok this is my draft should i send or not?

 

Disputed Debt.

 

 

 

Dear Sir

 

I have received your reply dated xx/xx/xxxx.

 

If you were not told by xxxxx that this debt is in dispute then you really should ask them for more details. I sent xxxxxx a letter on the xx/xx/xxxx requesting they provide evidence as to my liability for this debt. I can inform you even till this day they have not done so and nor have yourselves.

 

Furthermore they have placed a default on my credit file on the xx/xx/xxxx without even sending me a default notice. To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. A complaint to the ICO is in process.

 

I will not be making any further payments to you until you provide me with the documents I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies.

 

Should you not have any documents to prove my liability in relation to this alleged debt, please confirm this in writing to me.

 

 

I look forward to your reply.

 

Yours boringly...

If i help feel free to click star on my post. cheers

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http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt - prove it letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency - letter for when it's "yo-yo'ing" around different DCA's

 

http://www.consumeractiongroup.co.uk/forum/content.php?425-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request - letter to whoever when they are in default of an agreement request.

 

 

See if any of those apply.

 

As a side note, you dont have to "pussy foot" around or ask that they consider doing things. Tell them exactly what they have done wrong, and what you want achieved. Bullet point it if necessary. DCA's and a lot of creditors just bin standard templates, or ignore it. The longer a letter is, the less attention it will get. DCA's normally have the attention span of a gnat, so keep everything short, sweet and to the point.

 

If you write " NOTICE OF FORMAL DISPUTE" or "NOTICE OF FORMAL COMPLAINT" in big black letters at the top of the letter however, it usually gets their attention fast.

 

Send them the prove it letter first. If they dont provide proof, then the alleged debt goes into dispute and they'll be stuck. Always remember, refer to the debt as the ALLEGED DEBT or the ALLEGED ACCOUNT. Do not use any other wording as it could be taken that you acknowledge it, thereby negating the need for them to prove it.

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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yes i sent that one last week to them

 

they sent me nothing to prove... so the letter above i was thinking of replying to them. they just asked me for previous address details....

 

cheers

If i help feel free to click star on my post. cheers

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If they didnt send any proof at all in that time, then the alleged debt is now in dispute and they need to remove your details from their system. You should also make a full complaint to the CEO of the DCA and to the OFT.

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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yep. You sent them a legal request, the account is now in dispute. Whatever they send, simply tell them that because they didnt respond to your request, you will now be reporting them to the OFT/FOS and no further correspondence will be entered into with 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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thanks they contacted me about 7 days ago with last letter - how long should i give them before i write back and tell them to take me off their system? same as a CCA request? 12+2 days?

 

thanks

If i help feel free to click star on my post. cheers

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If you sent the prove it letter, they usually have 7-14 days to confirm the debt is yours or they are removing your details from their systems. If they continue to harass you about the alleged debt without proof, then they are in breach of their credit license and MUST be reported.

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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There is in fact no speciied time limit some DCAs may reply

most will ignore and continue to press for payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You could always add a time limit. If proof isnt provided, then they are in breach of OFT guidance and possible harassment.

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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Arbitary time limits as used frequently by DCAs are practically useless

as we see very day ''must respond in 7 days or we may'' etc.

Statutory time limits have to be adhered to although penalties for

non compliance even on statutory limits are no longer very effective.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The fact that they still harass when in default of a legal request could be used against 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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As said above the penalties are weak as are the regulators at present.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Recording your calls is a good idea but to be able to use this recording, legally you must make the person you are calling aware of the fact that you are recording the call and if they object you must stop recording - Comes somewhere under the Wireless and Telegraphy Act ... something or other. If you don't do this you cannot use the recording as evidence as it won't be legal. Just so you know ... Good luck!

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Actually you dont have to make the other caller aware. I thought the same as you originally but it seems that you can record a call whenever you like as long as its not covered under such things as the official secrets act or anything like that.

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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re: Recording calls ... Please see

 

see what????

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes you can record calls, and no you don't need to inform the caller on the other end you are doing so.

 

I record all of my calls, and I don't inform the other party that I am doing so, if there is a dispute of some sort, then by disclosing that I will listen to the recording of the call again, often diffuses the argument.

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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