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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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Robinson Way County Court Claim Form - NO credit agreement


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statute barred is from the "limitations act" - basically the owner of a debt has six years to take you court from the last time you paid, or admitted the debt.

If you can go 6 years without paying, or without admitting the debt (in writing) then they can't take you to court.

There *are* some exceptions, such as if you changed your name and disappeared, but that's it in a nutshell.

Carpe Jugulum

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statute barred is from the "limitations act" - basically the owner of a debt has six years to take you court from the last time you paid, or admitted the debt.

If you can go 6 years without paying, or without admitting the debt (in writing) then they can't take you to court.

There *are* some exceptions, such as if you changed your name and disappeared, but that's it in a nutshell.

 

great thanks for the explanation... I will remember that one :)

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2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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As it's over 5000 you might want to seek legal advice. Some solicitors do this on a no win no fee basis.

 

Does anyone have any recommendations as when I google there is a big bit on beware !! sorry thanks

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2007 - RECLAIMED over £4,000

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What is the date of the default notice as compared to the "remedy date"? (ie, when arrears had to be paid by?)

 

The default notice is dated 27th February 1999 and on HFC headed paper

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2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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CAG does not recommend solicitors.

 

Maybe research some local firms in your area?

 

Ok... many thanks I will do :)

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2007 - RECLAIMED over £4,000

in bank charges from Halifax Bank ;)

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and what was date that arrears had to be paid by?

the rules on default notices give very specific time limts on when paymet has to be demanded by -

it's either *at least* 7 or *at least* 14 days (I can never remember which).

If they've demanded payment before this time limit has elapsed, the default notice isn't valid -

and it's (7 or 14) days from *receipt*

This is taken as two days after the date of the letter (in the absence of

the postmark - I'm assuming you don't have the envelope still), which

many default notices fall foul of.

Carpe Jugulum

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and what was date that arrears had to be paid by?

the rules on default notices give very specific time limts on when paymet has to be demanded by -

it's either *at least* 7 or *at least* 14 days (I can never remember which).

If they've demanded payment before this time limit has elapsed, the default notice isn't valid -

and it's (7 or 14) days from *receipt*

This is taken as two days after the date of the letter (in the absence of

the postmark - I'm assuming you don't have the envelope still), which

many default notices fall foul of.

 

payment of arrears by 11/03/99

 

sorry do not have the envelope

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2007 - RECLAIMED over £4,000

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Just checked. It was 2006 that it changed from 7 to 14 days. So it looks like a good one. That's a shame

 

 

OK... does that have any impact on me and this claim ?

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2007 - RECLAIMED over £4,000

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No direct impact no. If it had been bad it would have helped but not a problem. Could someone flag this for Andy to come and have a look at. As for the solicitors make sure it is one that specializes in consumer credit law. You may well be able to win without but i wouldn't want you to come a cropper

 

Great thanks again... I have sent enquiry forms to two that specialist in consumer credit law and hopefully they will ring me tomorrow so I can brief them and see what their response is.

 

Thank you for the concern it is much appreciate. I feel CAG as a family and whenever I have had a problem and posted on here the 'family' has always repsonded and helped.

 

I will be back on tomorrow night to hopefully add some more news when they have rung me. I am going to look at the two links I got earlier in this post as well... so good night for now and thanks again everyone. See you tomorrow x :)

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2007 - RECLAIMED over £4,000

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Hello... I had a look at the first link so based on that should I send via recorded delivery a 'CPR 31.14 Request' copied and pasted from http://www.consumeractiongroup.co.uk/forum/showthread.php?159445

 

Sorry I could not access your second link as it says I do not have rights.

 

Is it right for me to send the 'CPR 31.14' and even though it is RW as the claimant it says all correspondance to go to Horwich Farrelly

 

Thanks

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2007 - RECLAIMED over £4,000

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Subbing - good luck I have similar POC with RW

 

 

Hiya... good look to you as well... where is your thread so I can keep a look at it

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2007 - RECLAIMED over £4,000

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Hi lisaclaim

 

Send your CPR31.14 to the claimant and also send them a CCA request.

 

Did you receive a letter before action?

 

Did you receive any letter from HFC advising that the debt had been assigned to RW?

 

 

Hi, I had already sent a CCA request in 2009 / 2010, please see earlier posts with images. Would I have to send them another one with this.

 

I have received loads of letters threatening action over the years :) I am sure I received an assignment letter as it went from HFS to London Scottish to RW then correspondance with their solicitors

 

Hope that helps

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2007 - RECLAIMED over £4,000

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I can't see any images in any previous posts lisa, perhaps they were removed by the site team if you had left personal info on them?

 

You are assuming this claim is for the HFC debt but you need to clarify this by asking for a copy of the 'credit agreement' they refer to in the POC, if they can't/won't produce it how can you defend it?

 

Threatening letters from years ago are not relevant now, they should comply with pre-court action protocol prior to issuing a claim!

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Hi... Sorry didnt mean images but if u look at my first post it details my CCA request in 2010 and RW response. Like i said i did the CCA in 2010 do i have to do this again. Thanks in advance :)

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2007 - RECLAIMED over £4,000

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Hi... Another question. Is it law that i should receive an annual statement. Thanks

 

 

Yes and an annual notice of arrears otherwise they are unable to charge interest.

 

Regards

 

Andy

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Never got a statement but have kept getting letters reducing the balance and telling me i am in arrears but not really annually !

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