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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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Me and lots of old debt


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Hi Guys,

 

Can I ask, (not that I'm at home at the mo), but should I send CCA requests to ALL my creditors, even the original ones that I took the agreements out with?

 

Surely they will have the original docs on file.

 

I have been paying the original creditors, as well as 2 DCA's as you will see from the history.

 

If I've been paying them regularly & consistently as I have, then surely there will be no grounds to proceed to court action.

 

your thoughts, as ever, are most welcome.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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yes

 

 

for £1 it wont hurt you!!

 

 

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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It's not the money!

 

Thanks though.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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I have today received an email from moorcroft. The address is: [email protected]

 

I can only assume that they have called the house and experienced my mother's confusion!

 

I'll know if they have, and woe betide them if that's the case!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

The first one acknowledged that they have the correct email address.

 

I responded to say that they had.

 

The next email wants a breakdown of my income & expenditure. They already have that from ages back & I don't want them to know anymore information about me.

 

They are also running out of time for the cca requests.

 

If I don't get copies of the original agreements, what then?

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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IMHO you stop payment.

 

 

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

Well, I've just been away for a few days, (I'm sure you understand how much a break is required when looking after elderly relatives), and the best news greeted me on my return!

 

I have a new job!

 

Thing is, this changes the situation somewhat. I now have an income that I didn't have before. It follows that the minimal payment I was making is now not appropriate and they could justifiably ask me to pay more. Especially if I complete the Income & Expenditure form honestly.

 

I feel like I'm stuck in a quandary really.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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You do not need to provide another I+E to moorcap

 

Wait until the CCA returns before worrying about the next step.

 

Congrats on the new job :D

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks SS,

 

I have informed all my creditors of my new address in late March, but have only heard back from Moorcroft and Capquest. Nothing from any of the others.

 

I sent the CCA requests to the 2 DCA's on 01/04/15 and have heard nothing back as at today.

 

My understanding is, that they have 12+2 days.

If I have heard nothing by Wednesday, (15th), I propose to inform them that since they cannot provide me with the original agreement, I do not owe them anything and will therefore cease payment forthwith.

 

My guess is that I'll receive a forest through the door, but if they cannot prove I owe them money, they are entitled to nothing and that's exactly what they will get.

 

However, does the lack of the original agreement mean they can still take me to court to recover any monies?

 

Also:

I did not send a CCA request to the original creditors. Clearly, both they and I know that I took credit out with them and therefore they should have the original agreements. On advice from dx however, I will send them CCA requests as soon as I can get to the PO and get the Postal orders. Clearly if they cannot respond to my letter, then they may very well not have the original agreements either.

 

If they do not respond within the timeframe either, can they pursue me through the courts?

 

Further, let's say that none of my creditors can answer the CCA request satisfactorily.

Does this mean that the debts are unenforceable?

If they are unenforceable, can they be expunged from my credit file?

If not, then is there a time bar, after which they are wiped anyway?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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don't forget a CCA request is 12+2 working days

 

 

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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Ahha!

 

I'll remember that. That gives them until about 20/21 then.

Damn, I was beginning to think the light at the end of the tunnel was getting brighter, not dimmer!

 

Ah well.....

 

Thanks, as ever.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi all,

 

The story so far..........

Moorcroft have sent another email with an attachment that I cannot open. I assume that it is the same I&E thing that they sent before.

Capquest have refused to communicate by email, so their letters will all go in the bin. They were warned what could happen to the letters, (due to my mother), so they will reap as they sow!

 

Letters to the other creditors will go off tomorrow.

 

Do I have to tell anyone about my new job though?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

Not too sure where the previous message went, but I was wrong about the email.

 

It would seem that Moorcroft are now the custodians of my Abbey CCard too.

 

I seem to be losing track of things, (which I guess is one of their hopes, and by which they can pursue me), but I'm still making the payments to the original creditors, so they can go swivel!

 

Easter has thrown a little spanner into the works, working days and all, but I'll be firing off the necessary paperwork at the weekend I think, when I've got time to manage all this dross.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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As long as you're paying the OC then correct, their tame little gophers can swing!

 

I was doing the same with a CC, until my £1 a month began bouncing back, so I simply stopped, and ignored the tame DCA.

 

Cr@pquest and their refusal to communicate with you as you wish, can indeed reap what they sow, start their complaints process if they have one?

Or at the very least fire off an email of complaint too them, give them 8 weeks to respond, then escalate it to the FCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi BB,

 

Cr@pquest claim they cannot communicate via email due to the data protection act.

Personally I think that's a load of bollocks really, since they communicate round themselves by email, all companies do!

I don't plan on upping the £5/m im paying all of them anyway.

They have all been told not to come here & why.

They have all been told not to telephone here & why.

 

I want out of this mess soon though. It's a bit like a millstone. I can't replace the car unless I do it cash etc. It's the little things, you know!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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They are truly mistaken, it has NOTHING to do with the DPA!

 

YOU have every right to dictate to them your 'preferred' method of communication, they are on thin ice here, as this

not only goes against the FCA's (old OFT's) Guidelines, but could also be a breach of the equality act.

 

What if you're blind and use text to speech on your computer?

 

They are just being their usual obstinate petulant selves.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks BB,

 

This weekend, when I've got a little time to myself, I'll fire off a volley at them & tell them that, in no uncertain terms, that they may only communicate with me by email; and that any and all written communication will be ignored.

 

We'll see what happens then. I suspect they will have to give in.

 

I haven't checked, but maybe they don't want to communicate that way because they fear they'll be inundated with emails of complaint.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Have a look at the OLD OFT debt collection guidelines, (in a rush at the min) I know the FCA have taken over, but the FCA have adopted the exact same DCG's as the OFT implemented,

 

Whilst they're only guidleines, you also have the equality act etc etc, as I say I'm in a rush so can't post you the links, will have more time tomorrow!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks BB,

 

I'll see what's to do at the weekend, but my feeling is that I'll give them a week or so and write off to them again saying that since I have not heard from them, (due to my Mum destroying the letters, although I won't tell them that), then I intend to stop paying them.

 

This on the basis that since I have not heard from them in spite of me writing to them, they clearly have no business with me, and have been accepting my money unjustifiably.

 

That will no doubt get their attention!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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I've had a letter from Moorcraft that says they are passing my SAR onto their client.

 

Good afternoon,

 

I assume that means they do not have the paperwork & therefore cannot enforce payment, or take me to court to get any of it!

 

Therefore why have I been required to pay them anything, as I have been doing on the advice of the CAB.

 

Your thoughts please.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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CAB with the best will in the world will almost always advise that you pay something, however well intended that advice is, it isn't always good advice!

 

NO DCA should EVER be paid, without first doing some checks as to whether or not they can legally demand payments from you, which most can't!

 

A SAR should always always go to the original creditor, DCA's have NO information regarding the running of the account,

they are simply passed a name address and amount they need to con from their victims.

 

DCA's cannot take anyone to court UNLESS they own the account/agreement under the Law of property act, it is almost always the

OC who has to take legal action against the debtor, DCA's will always lie and intimidate the debtor, claiming they will escalate

the account to the next fictitious level, in their little dream world.

 

The truth is, it is simply a careful play on words purely designed to intimidate the debtor into paying, just like Politicians, DCA's are skilled liers.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi BB,

 

Thank you for the information!

I shall therefore stop all payments to Moorcoft and re-instate them to the OC.

I shall first, of course, send SARs to the OC to see what transpires.

Incidentally, I got a letter from Capquest saying that as one of my debts is an overdraft, it is not covered by Section 74 of the CCA and they sent back the PO1

 

What next for that, I wonder!

 

Thanks again,

 

H

 

PS

Is that an Arty badge I see?

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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you should be sending a CCA request to the DCA's you are paying

have you done that on the debt to Moorcroft?

 

 

SAR's go to the OC, but that's for later

 

 

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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Hi dx,

 

Yes I have.

The SARs will go off to the OCs on Monday.

From what BB says I get the impression that I should never have paid anything to either Moorcroft or Capquest either, but maintained my payments to the OCs.

 

So much for the advice from CAB!

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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