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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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      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.
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Send 'Prove It' letter or CCA?


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Hello,

 

I've received series of letters from a DCA demanding payment for what I think is an old overdraft with a UK bank. The latest letter states that if I do not take any action the account will be sent to a External Debt Collection Agent. Furthermore, they may commence legal proceedings which may result in additional costs being charged to the debt.

 

I definitely had an account with the bank concerned, last used in early 2008 (I think). However, I don't remember any outstanding balance and cannot confirm whether the bank account that the DCA has quoted is accurate. I've moved countries several times since 2008 and have not kept any records. I don't know how the DCA tracked me down as I didn't supply the previous address related to this account when opening my most recent account in 2010 (as I was not actually living at the previous address - it was a transit stop between shifting countries - see below).

 

Having reviewed the content of this site, I'm confused as to whether I should send:

 

- a 'prove it' letter or

- a CCA request

 

Also, I have no problem paying off the debt if it is genuinely owed (it's under £1,000 and I have the cash available if required). I'm concerned, however, that my current credit rating will be impacted by actually paying the DCA the outstanding balance. i.e. details of a default will appear on my credit rating out of nowhere. This may sound counter-intuitive but there is no record of the original debt connected to my current Experian rating as I never supplied previous addresses when applying for the most recent account (I was only transiting through at the time the debt supposedly defaulted; the original bank account to which the supposed debt relates was opened many years ago when I was previously living in the UK; I didn't put details of the previous address as I didn't think it was relevant to the latest bank account application). If anyone could confirm that all the DCA is interested in is getting the cash in (i.e. they won't bother to mess with my credit rating) then I would appreciate it.

 

Also, I thought that a DCA cannot add charges to the original balance outstanding? So threatening to do so is unlawful.

 

Thanks in advance and thanks for a great website.

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Correct they can't add fees or charges, that is just something they like to say in order to inflate their ego's.

 

CCA request wouldn't be any use for an overdraft as they have part V exemptions from it.

 

IMO if your not in the UK then I would let sleeping dogs lie, if this isn't on your credit file then they won't be able to add it now as it is well outside the 6 month limit they should apply the default marker.

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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Thanks Bazooka Boo.

 

Unfortunately I'm back living in the UK and intend to stay here permanently. The DCA is sending fairly frequent letters to my current UK address. I have a clean credit rating and very good financial standing -- I'm much more concerned about my rating than having to pay off

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The letters your receiving are spat out by a computer, who is the DCA?

 

If there is nothing on your credit file, then I would let sleeping dogs lie, as a default marker should have been placed on their within 6 months of the actual date of default.

 

Debst are bought in portfolios of thousands of other debts, fed into a computer then the computer starts its threatogramme cycle.

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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Hi welcome to CAG,

 

1. There is no regulated consumer credit agreement for a current account and or overdarft account.

2.Berfore sending any letters etc can you please qualify the following.

 

When was the last transaction on this account?

Is this account defaulted?

 

As to CRA files check Experian as well creditors do not always report to all the agencies.

If the entry does not appear it may mean that the account was defaulted/closed more than 6 years ago.

This could indicate the debt is statute barred.

Charges referred to here seems to mean legal charges in regard to litigation and is lawful.

 

I believe that your best course of action is to make a Subject Access Request under the Data Protection Act 1998 to get ALL the data held by the Original Creditor

there is a £10 statutory fee for this and the creditor has 40 days to comply.

 

There is a template in the CAG Library to use and the SAR should be addressed to the creditors data controller.

 

Send the prove it letter to the compliance manager at the DCA.

 

Do not make phone calls to the DCA.

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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Thanks for your advice. Sorry to be so vague but the outstanding balance could refer to a credit card as I had both a current account and a credit card. Actually, it probably was a credit card.

 

I think the last transaction on the account was probably in spring 2008. I have no recollection of leaving a debt behind at the time but I was in the process of moving between several countries. If I indeed left a valid debt behind, I would assume that default notices were sent to the address that the account was attached to at the time (the one that I transited through). I assume that this all happened later in 2008, by which time I was a long way away.

 

I've checked my Experian credit record. There is no record of this debt. Then again, there could be nothing at Experian linking me to the address to which this (probably) defaulted account relates. As noted above, I didn't put this address on my most recent bank account application (2010) as I was never actually living at that address within the prior 6 years.

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Thanks again Bazooka Boo. So you think the DCA will just stop sending letters?

 

BRIGADIER2JCS - Your advice seems to be different. My main concern is that this previous default (if valid) will become linked to my credit records. This situation seems to be unusual in that the previous default doesn't appear on my current record at all (presumably because the addresses aren't linked - as explained above). If I were to pay the DCA are they likely to submit details of the default to Experian et al or would they just take the cash and not do anything more? Also, in your view what are the chances that this goes away as Bazooka Boo seems to indicate?

 

Thanks in advance.

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This is why I suggested the SAR to the original creditor.

If a default has been previously registered and has been removed because of time no new default can be registered, as said check ALL 3 CRAs for safety.

Never rely on things ''going away''

 

I seriously doubt that any CRA reports wlould be made purely on the age of the account.

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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Thanks very much once more. Just so I understand this more, if the default was presumably issued some time in 2008 (last transaction made), what would lead it to being removed prior to the 6 expiry?

 

I will check all 3 CRAs.

 

Also, should I do the SAR and wait for the results before sending the Prove It letter?

 

Are you able to communicate offline for a fee?

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Just because a default was placed on an account does not always mean that it was reported to the CRAs.

Yes wait for the SAR.

 

No I don't do fee paying work for CAG members CAG is free to all.

Any ''outside''work is also free.

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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Thanks very much once more. Just so I understand this more, if the default was presumably issued some time in 2008 (last transaction made), what would lead it to being removed prior to the 6 expiry?

 

I will check all 3 CRAs.

 

Also, should I do the SAR and wait for the results before sending the Prove It letter?

 

Are you able to communicate offline for a fee?

Some defaults are never reported, data entry errors can and do occur.

 

No all my advice etc is free to CAG members always.

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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Thanks again. I still have a few questions so I hope you can be patient with me (hence offer to pay!). I'll be sure to make a donation.

 

So if the default has never been reported, would it have needed to be reported within a maximum time period to be able to be placed on my credit history? I think I read somewhere on this site that it was 6 months. If so, this would mean that my credit history is not at risk as a result of this default back in 2008 (I think).

 

So should I do the SAR and wait for the results before sending the Prove It letter to the DCA? Or should I do both at the same time?

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Thank you a donation to CAG would be much appreciated!!

 

The Information Commissioners Office Tech Guidance on Defaults say that the ICO expects defaults to be placed on file within 6 months of the cause of action.so a default placed later is open to challenge, in your case 2008 a default placed 2012/13 would be manifestly unfair.

You can send both requests now.

 

Your credit history imo is in no danger.

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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