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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.
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Payday Express have passed debt to DCA - some advice needed


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Hi,

Payday Express have passed my debt to a DCA even though I was paying them back a certain amount per month. I have now agreed a repayment plan with the DCA they were okay being honest. Should I continue paying Payday Express as before or should I pay the DCA from now on? will the amount outstanding owed to Payday Express be cleared when I pay of the DCA in full?

Any advice would be appreciated.

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There wasn't an agreement in place with them unfortunately, I paid them a certain amount per month. They wouldn't come to an agreement with me, after a number of months despite me paying them they have passed it now to a DCA. They have placed a default on my credit file should I just pay the DCA from now? I am confused.

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Its with a DCA called Scotcall. Should I contact Payday Express for confirmation who I should pay?they are horrible to deal with. I can take it they passed my debt onto Scotcall, what happens in this case does the total amount owed to them still exist are do they close the account when they sell the debt on?

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I'd have given a limb to deal with a DCA over payday express. They wound me up to the point that I became ill!

 

I'd say, as long as the DCA have been assigned to collect this debt then carry on with any arrangements made with scotcall.

 

Make sure you query the amount though! I bet PDE will have added a ridiculous amount of charges and forgot to deduct any payments that you made to them before passing it on.

 

The usual advise given here would be to ignore the DCA and pay the original creditor... Seriously, in this case... Be thankful that scotcall are now happy to accept your offer of payment.

 

Regards

It never rains but it pours...

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Hmm scotcall. Aren't they the DCA that only deals in old/bad or unenforceable debts?

 

One question, whose name is on the default? The default is probably there correctly as you did indeed default on the agreed repayment plan. The name that is on the default is the company that you should be paying. If its still PDE that owns the debt, continue to play them and ignore scotcall. PDE cannot refuse to take payment towards the debt. Especially if you pay by Standing Order. Should this go anywhere near a court, a court officer can easily see that you tried to negotiate and still made regular and consistent repayments towards the debt.

 

As for their charges and fee's, could you post a breakdown of them? Most will likely be unenforceable, but it will show us the actual amount you owe.

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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The name on the default is Express Finance. I called Payday Express yesterday and I was told to pay Scotcall as they apparently work in conjunction with Payday Express. I asked the person in collections when I paid the total amount outstanding to Scotcall would the default entry change to satisfactory on my credit report I was told it would. However I am not 100% certain this will be the case, maybe i'm being a little pessimistic but I sincerely hope they will mark it as satisfactory when fully paid. I just want to clear the outstanding debt but if I now break an agreement with Scotcall and just pay Payday Express it may get messy again. I am very confused? my first payment to Scotcall is due end of next week. Any advice please:|

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Again, unless you really want to, there is no obligation for you to deal with a DCA unless they own the debt. They have no rights whatsoever apart from saying "please pay this debt."

 

It is entirely up to you if you want to deal with scotcall, but if you still have PDE@s bank details, i would say to continue paying into their account as you have been doing. They cannot refuse, nor stop you from doing this, and it shows COMPLETE willingness to pay the debt; as long as you maintain good and frequent payments.

 

Of course, PDE will still kick and scream and threaten everything possible, but theres nothing they can do about it. Scotcall will do the same, but you can simply tell them to get lost.

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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Thank you for your advice, I will probably contact Payday Express tomorrow to clarify who actually owns the debt and offer them the same repayment plan I agreed with Scotcall (6 x £55). If they state I must deal with Scotcall I will do as I wouldn't be one bit surprised if they both wanted money from me. Suppose I am good example of someone who has got into the Payday loan trap and doing my best to get out of it but these companies don't want to let go..

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Make sure to get that contact in writing, both ways. If you want to pay scotcall, then thats up to you, but if you have PDL's details, personally i would ignore them and pay the lender direct.

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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Just an update on this issue, I have managed to come to an agreement with Payday Express :-) after a number of phonecalls to their collection team over the last few days I was lucky and spoke with a very friendly and understanding person (the previous ones just fobbed me off and wanted full payment there and then). After our conversation the PDE employee emailed me the agreement plan as requested and I have made my first payment this morning. I can see light at the end of the tunnel for the first time in a year!keep trying and with a bit of luck they will eventually agree to a repayment plan.

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