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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.

      Frankly I don't think that is any accident.

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Control Account PLC Debt


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Hi

Can someone please advise me on how to handle this debt?

 

When I was at university I borrowed some money to pay my rent as my student loan had not been paid.

 

My loan didn't arrive until the end of the academic year

 

so after the late fees added on the amount owed came to £295, which I could not afford to pay.

 

I moved house after finishing uni, about two years ago, but they have managed to track me down.

 

I have ignored several letters from the university threatening legal action,

and this morning I got a letter from control account plc threatening serious legal consequences if I do not pay within 5 days.

 

What would you advise me to do?

 

Thanks for any advise in advance!

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ignore them

 

they have no legal powers

 

they are NOT BAILIFFS.

 

penalty fees are a penalty and are reclaimable too

 

so I think they are just chancing their arm.

 

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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  • 2 weeks later...

Thanks dx

Just got another letter this morning, it says act now - this won't go away

It states the letter is a notice of intention to apply to the court, and that I have one final chance to settle the debt before they seek to apply. I apparently have seven days.

Seems like they're just trying to intimidate me, what would you advise, keep ignoring them?

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oh yes

 

just if.mights & maybe's

 

read it properly

 

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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Share on other sites

Just got another letter this morning. It says:

 

Without prejudice.

 

We have now been instructed us to apply for a civil claim against you to recover your debt. If we are successful you will have to pay legal costs, interest etc

 

You have 48 hours, if you don't pay we will go ahead with the civil claim without contacting you.

 

What do you think I should do, still carry on ignoring it?

 

Thanks

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instructed does not mean WILL.

£295 is a very small sum to bother with court.

 

have you ever spoken to the uni about this directly since they first wrote?

 

it might well be that they have not investigated the facts behind why you had this loan

being that the late approval of your main student loan.

 

so really it was out of your control.

 

don't forget these debt chasers just simple get a spreadsheet of details to fire off at

they don't investigate the debt

so p'haps the uni placed it out to farm without investigation themselves?

 

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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Share on other sites

  • 5 weeks later...

Just got another letter this morning, almost a month after they gave me 48 hours to pay before court action. :wink:

This one has a list of things they say they may rely on in court, listing a contract, credit application and invoices. They then claim they will provide me copies on request. I doubt they have any of those things though. They say that I need to provide a full written response to the claim within 14 days.

 

One thing that confused me is that at the end of the letter it says if I choose to pay now that I should send a cheque made payable to the university. I was under the impression that debt collection agencies purchase the debt for a few pennies on the pound and then fraudulently collect it all from the debtor. If this is the case why are they asking for a cheque made payable to the university? Does control account PLC do things differently?

 

I was thinking of writing a response asking them to provide proof that I owe control account PLC any money, which they wont be able to do, and warning them that if they continue harassing me as a third party interloper that I will take them to court. But this response relies on them having bought the debt, which seems unlikely if they are asking for a cheque made payable to the uni.

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dca's can be involved in a debt in two ways

 

they chase for the OC

 

they buy the debt, and fleece the debtors for the whole amount, after paying pennies

 

ignore them

 

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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