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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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HL Solicitors & home learning coll, 'debt'


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Hi

I received a demand for a debt i dispute so called these Guys

 

to explain the reason i disputed the debt which i kept a record of all payments to the creditor

but the ammounts differed to what i have & what they said was owed,

 

i sent the original creditor an email (which I have a copy of ) to request full statements so i could see where the difference came from,

 

however they never replied so i with held the last payment which is £56.25

 

i explained this to HL Solicitors & they requested copies of my bank statements which i sent copies to them showing the payments

the email & an excel spreadsheet of the runnning balance, by recorded delivery.

 

i received a letter saying my account was on hold, while they investigated,

but i am still receiving calls from them asking for payment & going through the same questions

& for the same info i have given them, the bank statements etc & they seem to know nothing more even though i keep saying that the account is disputed

& they said to me that it wasnt their responsibility to go to the creditor & investigate,

 

they are saying i owe more than this, Nearly £200 ok i will pay the final £56.25 this next month,

 

i cant find the original documents showing the original amount as this is going aback to 2008/09,

 

is their anything i can do to stop them harrasing me

Thanks

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Rubbish, of course it is their responsibility to investigate whether there is indeed a debt to pursue.

 

I think you should WRITE to them and advise that if they continue harrassing you for a debt they are unable to prove, then you will consider taking further action. That there is a genuine dispute of which you have made them aware. Their treament is nothing short of harrassment and you now insist that they remove your telephone number from their records. You will only discuss your financial affairs in writing.

 

Almost certainly you will be making a complaint to the SRA and the OFT.

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Exactly do as CB says and mark that letter formal complaint then they are obliged to invetigate fully and reply.

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OK Thanks who are sra??

 

Solicitors Regulation Authority, google their site for info on making complaints etc.

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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have you looked at your CRA file

 

 

does this debt show?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hmm my credit history isnt great, i dont think it does show as i tried to open a business account back in the summer & was refused because of late payments to credit cards, nothing was mentioned about anything else, i will have to get a new report

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if you've been hit with £12 PENALTY charges on those cards

 

get reclaiming!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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from when and when was it defaulted

 

and who is shown as the owner

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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think i will be reviewing the card statements!!

 

info is below

 

use the CISHEET from here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

and THEIR int rate [APR]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok this was homelearning coll,

 

show being 2 payments late as in June 11

No defaults just after that not updated

 

i have 3 payment dates that month & one payment was for July accounts,

 

certainly wasnt the june account was paid by the 10 of that month

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so the debt is a loan from the HLC

 

they are well known for fleecing people

 

 

did you complete the course etc etc

 

dx

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes i did complete the course

 

 

as i said i withheld the last payment because of the discrepancies & no reply,

 

 

i will pay the final payment as i have had it up to the teeth with them (next month)

 

 

but not paying for money they say i owe

 

 

which they should of seen my bank statements

 

 

by now that i sent to the solicitors

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