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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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Lowells and Cap1 debt CCA return - help


aristilus
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Hi Debtfree,

 

DonkyB has it spot on.

 

Carey says that they can reconstruct an agreement for s78, but remember Waksman also said that if the agreement had been varied, and it will have been, then they must provide a copy of the original signed agreement to show that it was a variable agreement.

 

Saying that they can also reconstruct statutory letters is just plain rubbish. They cannot.

 

As DonkeyB has said, if they terminate shortly after a default notice, then that is their fault and that act cannot be rectified by printing another letter.

 

Unlawfull Rescission should see you through here, although some Judges may not understand it. The point is to to get all of your ducks in a row, to put them off attempting a court appearence.

 

They are correct in that they can still try to enforce the debt, including issuing a court summons, but if defended they should not be allowed to get judgement.

 

Apologies for the delayed response, but have had a poor few weeks.

 

Vint

 

hi, i'm just wandering if Vint//oe anybody is still helping people with these parisites DCas trying to get a quick buck, by buying up a load of 'pold pre 2007 debts and trying to get punters to pay up , hoping that crappy reconstituted fiddle fddlle documents my scare punters into paying up'i you could let me know if your still there , wouold apprecite it::smile::smile:

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hi, i'm just wandering if Vint//oe anybody is still helping people with these parisites DCas trying to get a quick buck, by buying up a load of 'pold pre 2007 debts and trying to get punters to pay up , hoping that crappy reconstituted fiddle fddlle documents my scare punters into paying up'i you could let me know if your still there , wouold apprecite it::smile::smile:

 

 

Hi do you have a problem with a recon agreement, some differences exist now in regard to recons now.

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Bang on Brig.

 

Bear in mind that case law since this discussion commenced has rendered the rescission angle obsolete – if, indeed, we ever had it right – don’t rely on threads that are nearly four years old! Start a new thread for a fresh problem.

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Bang on Brig.

 

Bear in mind that case law since this discussion commenced has rendered the rescission angle obsolete – if, indeed, we ever had it right – don’t rely on threads that are nearly four years old! Start a new thread for a fresh problem.

 

 

I agree DB, too much water under that particular bridge.

I'M not sure that we had it right either.

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hi,yes i CCa'd Lowell for a Capitol one agreement, what they sent was a load of fiffle faddle, Crap, clearly a recon of miscellaneous agreements with my name inserted: they then said i've got 30 days to respond: it's actually statute barred on the 05th jan 205, so was going to try and extend it to this deadline: have reead a great deal from Cosumer ACtion group, on how to prepare a defence, if needed, but i've got feeling that should i just press them for:

........................................................................................................

always ask to see the original agreement. If the creditor says that only electronic copies are available because the original was destroyed after scanning, then defendants must ask the creditor to show its procedures for complying properly with document management standards.

.............................................................................................................................................

 

then they may see that i will defend this:???? not before a few weeks have exoired tho'

any advice or support is always appreciated: (could do without this as i am suffering from Cancer and am presently under treatment) ,:)

Edited by aristilus
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I am assuming the SB target date is 5th January 2015 :)

 

Have you actually been served with a claim form ?

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hi,yes i CCa'd Lowell for a Capitol one agreement, what they sent was a load of fiffle faddle, Crap, clearly a recon of miscellaneous agreements with my name inserted: they then said i've got 30 days to respond: it's actually statute barred on the 05th jan 2015, so was going to try and extend it to this deadline: have reead a great deal from Consumer ACtion group, on how to prepare a defence, if needed, but i've got a feeling that should i just press them for:

......................... ......................... ......................... ......................... ....

always ask to see the original agreement. If the creditor says that only electronic copies are available because the original was destroyed after scanning, then defendants must ask the creditor to show its procedures for complying properly with document management standards.

......................... ......................... ......................... ......................... ......................... ................

 

then they may see that i will defend this:???? and they have little or nothing to offer : not before a few weeks have expired tho'

any advice or support is always appreciated: (could do without this as i am suffering from Cancer and am presently under treatment)

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hi,yes i CCa'd Lowell for a Capitol one agreement, what they sent was a load of fiffle faddle, Crap, clearly a recon of miscellaneous agreements with my name inserted: they then said i've got 30 days to respond: it's actually statute barred on the 05th jan 205, so was going to try and extend it to this deadline: have reead a great deal from Cosumer ACtion group, on how to prepare a defence, if needed, but i've got feeling that should i just press them for:

........................................................................................................

always ask to see the original agreement. If the creditor says that only electronic copies are available because the original was destroyed after scanning, then defendants must ask the creditor to show its procedures for complying properly with document management standards.

.............................................................................................................................................

 

then they may see that i will defend this:???? not before a few weeks have exoired tho'

any advice or support is always appreciated: (could do without this as i am suffering from Cancer and am presently under treatment) ,:)

 

 

 

It would help us to advise you if you can post up suitably redacted copies of all that you refer to as "piffle" etc.

 

 

Has a claim been issued?

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hi ciitizenb,

no not had a claim form sent,

the SB date is 16/08/2015 just checked the copy of account doc's they sent, realise now too long to go for 6 years SB, got 30 days to respond to them,?

not suure how to upload images, will try later:(

Edited by aristilus
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own thread created here

 

 

you don't need 10 posts

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGi

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1. SCAN YOUR DOCUMENT

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.

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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thanks will do tonight: in the mean time these staements T&CS are from a ROYAL BANK of SCOTLAND

and the card was with Capitol One ????? can you help? and how do i start a new thread, dont want to lose the helpers now :)

Edited by aristilus
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this is your thread

 

 

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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thanks will do tonight: in the mean time these staements T&CS are from a ROYAL BANK of SCOTLAND

and the card was with Capitol One ????? can you help? and how do i start a new thread, dont want to lose the helpers now :)

 

 

Please excuse my amazement RBS statements for a Capone CC account??? Were these supplied by Lowell.

 

 

Please carefully check account numbers, dates and amounts, if Lowell has supplied these statements then something stinks.

 

 

I look out for your uploads, just follow dx's instructions.

 

 

dx 100 has set up your own thread now so just post here.

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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file / properties.

 

 

if you print to PDF it will not carry over metadata

 

 

if you post the .doc directly here it will

  • Confused 1

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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Is there any letter from Lowells explaining the documents they have provided ?

 

 

I would have thought the attached documents would be sufficient to enforce,

unless you have a Solicitor who deals with CCA cases who can identify issues to use in defence.

 

 

Are these definitely reconstituted documents or just copies from a microfilm/records system.

 

Lowells normally farm out cases to BW Legal or Bryan Carter if they want to issue a court claim.

We could do with some help from you.

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