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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Provident debt collecting ?


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hi

i need some advice im normally on form but this hit me for six

Today (12/10/2012) i went to visit my nan and whilst there a bloke turned up for provident personal loans, nice chap nan pays £20 a week for a loan she took out he seemed ok to me and my nan was dealing with him for last few months no issue, her bill is £19.50 a week and always pays twenty so she is not in arrears and frimly can afford this.

Anyway after siiting on the couch filled in the book turned around to my nan and asked he was there to collect £350 debt for O2 if she could pay £250 today would right thre rest off.

My instinct was to ask for Id he was now a debt collector and he didnt have any but provident credit servies (same company) are now also collecting debts

the knob was rude and discussed my nans personal info in front of me, to which i feel is data protection surely and how can a loan company give money doorstep loans and collect debts at same time,

i understand if they have gone into that kind of work then they should have one agent to give a loan and another to collect debts, the morale of story i threw the guy out

i was right to do this? any advice?

i am considering contacting trading standards does my nan have a case ?

please help

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They have been doing this for over a year now, mostly catalogue debts and mobile phone accounts, agents get megabucks for collecting, usual send letter as a preliminary approach.

 

Mostly all of the "debts" are statute barred and as such are unenforceable.

Don\'t let the B**tards grind you down

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I have had this happen to me. I dont have any accounts with provident but the other day a man knocked our door saying he was from provident and then explained to my husband that I owed money to another company and that provident has paid the other company the money in a form of a loan to me from provident. Therefore he would like to set up a regular payment to him for the money I owe him. This must have been a major breach of the data protection act!

 

My husband said he would contact the police if the man came back asking for money as he does not donate to people who beg. We have not heard from them since.

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They CANNOT collect on these 'debts' unless you sign up to a loan agreement to replay them. If you do not sign up, they will just go away with their tail between their legs. They may try again to convince you with some wishy washy story on how it's your debt and only xxx amount a week but it's all nonsense to get you to sign.

 

provident has paid the other company the money in a form of a loan to me from provident.

 

They is nonsense also. They cannot just go making up loans for people.

 

The whole Provident debt collecting idea relys on you signing a new agreement for a load to repay the debt. If you have not signed there is nothing they can do, they are just chancing their luck that you sign for a loan. Don't do it, tell them to sod off your not intrested.

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And please please please, pay of your loans and have nothing more to do with them.

 

They WILL just keep flashing cash in front of your face when your nearly paid off and they WILL just keep you trapped in a repayment plan FOREVER!!

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  • 5 weeks later...

I too would be interested in whether the data protection act applies here. A debt collector has just knocked on the door & discussed my flatmate's debt in front of me without checking first. I'd be furious if it was my details being so openly discussed.

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report to ICO complaint inform company and all events at the time. get them fined.

 

I'm not sure what you mean by "all events". Th debt collector was on the doorstep discussing with my flatmate, but I was in plain view of the open door.

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I'm not sure what you mean by "all events". Th debt collector was on the doorstep discussing with my flatmate, but I was in plain view of the open door.

 

What was passed whilst you were within listening distance, that is your complaint as it was personal to the other person?

:mad2::-x:jaw::sad:
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What was passed whilst you were within listening distance, that is your complaint as it was personal to the other person?

 

Yes. I don't think it was right to disclose the info in front of me without asking my flatmate's permission

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Yes. I don't think it was right to disclose the info in front of me without asking my flatmate's permission

 

 

 

You are correct, so a Complaint to FOS would be in oreder outlining the said event including the companies representative concerned.

:mad2::-x:jaw::sad:
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