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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.
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    • 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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help with claim against my wife by Sigma spv 1 ltd


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Hi and a happy new year to everyone

 

i need help dealing with a ccbc claim against my wife

 

her Problem is with SIGMA SPV 1 LIMITED

she received a court claim form dated 31/12/13 from Northampton Court

from a company called SIGMA SPV1 LIMITED claiming that she owes them £8905.81

the debit is from a HSBC credit card she had. we where in a over our heads and could not to afford to pay it so dug are heads in the sand hoping it would go away they kept piling on the interest

 

I have read some of the forums and will be sending them a request for details letter via email and post

 

I have until the 14/14 I think to file a defense to the court but having received no documents I really don't know what to write

Can anybody help with my defense please ? and give me any advise on what I should do next?

 

i think we had something simlliar before but ignored it after i put the details in the court thing and there was no record of the claim. is there a way to tell if this is genuine claim this time

 

Thank you in advance

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I afraid we cant really advise on the reasons you are defending until you tell us why you are defending and what your dispute is axident.

 

 

Regards

 

 

Andy

We could do with some help from you.

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hi andy

 

are dispute is that there has been no payments on the account since 2007 would this make the account stature barred?. all so have never received a copy of the original credit agreement.

 

was going to send of a CPR 31.14 to them tomorrow.

 

are the above reason to defend this.

 

was going to reply to the defence thing through the online option just need to know what to put in the reasons for defending box on the online form.

 

thanks for any advice

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If you are content that it is Statute Barred simply type the following into MCOL:-

 

 

1 The Claimant's claim was issued on ( insert date).

 

2 The Claimant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of X yearslink3.gif have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied

 

 

 

 

Regards

 

 

Andy

We could do with some help from you.

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hi Andy cheers for the reply

 

we have not made a payment since i think before July 2007 time wise does this make it statue barred? we were hassled on the phone by Hl solicters who took over the debit from Hsbc and had to change our phone number to stop the hassle

 

"In principle, a debt cannot be enforced after 6 years from the date upon which it became due.

The 6 years runs from the last time that the debt was acknowledged in any way or from the last time that a payment was made towards the debt.

Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment.

The relevant law is contained within the Limitation Act 1980"

 

what does the part in this about "The 6 years runs from the last time that the debt was acknowledged in any way" mean? would that only apply if we had made any payments or does it mean if we had talked on the phone to them?

 

can you defend it on two points IE being enforceable due to no original CCA?

 

cheers Andy your help is greatly appreciated

Edited by axident13
spelling wrong
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cheers Andy

 

do you mean written acknowledgment of the debt by us?

 

we have had letter from Hl soliciters and sigma SPV over the last 6years. would this change it? we have never acknowledge the debt by letter

 

does defending it on more than one basis help or hinder in your opinion?

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I can only repeat my advice in my first post ...if you are content that the debt is SB ( no acknowledgment/payment for a period of 6 years) then it is SB...you only need to submit the defence I proposed.....

We could do with some help from you.

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cheers for the reply andy

 

im still a bit confused on the no acknowledgment part of it ie we have had letters from Hl soliciters and sigma SPV over the last 6years. would this be classed as acknowledgement? or is it acknowledgement on our part?

 

sorry for being a bit dumb on this part its all confusing

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On your part...they can write until the cows come home.

We could do with some help from you.

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They will either accept and withdraw the claim or they may challenge you and wish to proceed...this can take up to 28 days so use the time to gather your info from your statements and paperwork to enforce your defence.

We could do with some help from you.

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Any proof that no payment has been made by you within 6 years...bank statements...don't be surprised if they conjure up a payment and claim you have made one...that's were your preparation will come in.

We could do with some help from you.

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update on this aaaaaaaaaagh

 

having gone back and checked when we changed banks it was in august 2008 not 2007 as i thought.:jaw:

there is no payments gone out to them after the new account was set up in aug 2008.having turned the house up side down looking for paper work before aug 2008 and cant find anything

only a old mint card statement we had paid in march 2008 which has nothing to do with this but shows me where were paying somethings in 2008 we where in a mess financially at that time

phone calls letters trying to keep afloat.

 

would there be a way to check with our old banks for statements about this as the accounts where shut down with us owing them money. too like i said we where in a mess at the time.

one of are banks was HSBC who the original card debit this is about was with. would contacting them be classed as acknowledgment on this debit?

 

any help or suggestions would help

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There is no harm in telephoning HSBC and asking them, when payments were last made to the account.

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I wouldn't really concern myself to be honest I doubt they can go back 12 months let a lone 5 years

We could do with some help from you.

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About the statements for 2007 you cant find.

We could do with some help from you.

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ok Andy

 

if i went forward with stature barred as our defence and they found payments made between oct 2007 and aug 2008 what would happen then?

is the original default notice issued by HSBC part of this because they would surely have that at least or a copy of it? or is it just they have to find the last payment details

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