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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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Marlin / Mortimer claimform - alleged Egg debt


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Hi caggers,

 

I have received a letter from Mortimer Clarke which I originally thought was to do with an alleged Barclaycard debt but now realise relates to an alleged Egg debt.

 

The letter contains income and expenditure forms and a Direct Debit mandate for me to complete

and states that if no reasonable offer if made within 14 days then they will issue a claim in the County Court.

 

 

I sent a s.77/78 request to Egg in 2010 and received nothing so assumed they had no agreement form to support the demands they were making of me for payment.

 

Should I reply to this Mortimer Clarke letter and if so how?

 

Any help much appreciated. Cheers.

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Is this the first letter you've received off MC??

 

When did you take this Egg card out? Pre or post 2007?

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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I would write to MC with a copy of the cca request you sent to egg in 2010 stating that no reply has been received to your request,

and you consider the ac to be in dispute until such time as your request is complied with

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks. What's the significance of whether or not it was pre or post 2007?

 

The regulations were amended in 2007 - it pretty much assumes that the banks ensured their agreements were CCA compliant.

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Something similar to this needs to be sent, puts them to strict proof and under no doubt as to the state of this account.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387485-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request

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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  • 1 year later...

Hi folks,

 

I have received a Northampton County Court claim form dated 14 October 2015 for an alleged debt to Egg.

 

 

I CCA'd Egg in 2010 and they provided an agreement which I was unsure about so I have since maintained the position that I do not acknowledge the debt

. Marlin wrote to me in Feb 2014 and I replied with another CCA request.

They produced no documents.

 

Now I have this claim form. It says :

 

"By an agreement between Egg Banking plc & the Defendant on or around 05/11/2002 ("the Agreement"} Egg Banking plc agreed to loan the Defendant monies.

The Defendant did not pay the instalments as they fell due & the Agreement was terminated.

The Agreement was assigned to the claimant on 31/01/2013.

 

 

THE CLAIMANT THEREFORE CLAIMS

1, 11358.87.

2. Interest pursuant to section 69 of the County Court Act 1984, namely 5011.56

& continuing until Judgement or sooner payment at the rate of 2.49."

 

What do I do now?

Please help.

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Hi SD

 

If you could read and respond to the following link...posting your responses here to enable the best advice on how to move forward with this claim..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

Regards

 

Andy

We could do with some help from you.

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Name of the Claimant Marlin

Date of issue – 14/10/2015

What is the claim for –

1.By an agreement between Egg Banking plc & the Defendant on or around 05/11/2002 ("the Agreement"}

Egg Banking plc agreed to loan the Defendant monies.

The Defendant did not pay the instalments as they fell due & the Agreement was terminated.

The Agreement was assigned to the claimant on 31/01/2013.

 

2.THE CLAIMANT THEREFORE CLAIMS

1, 11358.87.

2. Interest pursuant to section 69 of the County Court Act 1984, namely 5011.56

& continuing until Judgement or sooner payment at the rate of 2.49."

 

 

What is the value of the claim

 

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

 

 

When did you enter into the original agreement before or after 2007? pre 2007

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Marlin

Were you aware the account had been assigned – did you receive a Notice of Assignment? unknown

Did you receive a Default Notice from the original creditor?unknown

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?unknown

Why did you cease payments?

ceased payments around July 2009. Around this time I wrote to Eggicon explaining job lost and asking for help. No reply received so requested CCA. Unsure of validity of CCA provided so since then have not acknowledged debt. Marlin demanded payment in Februray 2014 so I asked them for CCA. Nothing forthcoming.

 

What was the date of your last payment? july 2009

Was there a dispute with the original creditor that remains unresolved?

 

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? .

 

Thanking you in advance of any help you can provide.

 

 

Andy has helped me with a different creditor claim a couple of years ago for which I am eternally grateful.

 

 

Cheers.

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So you've not paid anyone anything on this debt since July 2009?

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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what letter?

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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what letter?

 

"Why did you cease payments?

 

ceased payments around July 2009. Around this time I wrote to Egg explaining job lost and asking for help. No reply received so requested CCA. Unsure of validity of CCA provided so since then have not acknowledged debt. Marlin demanded payment in Februray 2014 so I asked them for CCA. Nothing forthcoming. "

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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silly me and I copied that in too to our Q&A post:lol:

 

so to me then the debt is statute barred

that was more than 6yrs ago by my fingers and toes???

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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I ceased payments July 2009 but wrote to them at the end of 2009 explaining I had lost job and asking for help. Got no reply. Will this not count as the last time I acknowledged the debt and therefore the start of the statute barred period. Or is the statute barred clock started from when I last made a payment?

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I ceased payments July 2009 but wrote to them at the end of 2009 explaining I had lost job and asking for help. Got no reply. Will this not count as the last time I acknowledged the debt and therefore the start of the statute barred period. Or is the statute barred clock started from when I last made a payment?

 

Earlier you stated the letter was around July. I understand you now believe it to be the end of 2009. I have never defended on this point of law but believe it to be the last acknowledgement Andy O will be more knowledgeable than me.

 

As this letter was to Egg it may no longer be in existence so cannot be used as evidence so forget it unless raised . I would do a SAR request where this information will be available to you.

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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I agree with Jack.

 

If your defence is SB then they have to prove otherwise and the likelihood of them having the letter from 6 years ago is slim.

 

BUT DO NOT REFER TO THIS LETTER IN ANY CORRESPONDENCE TO ANYONE. :-)

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Earlier you stated the letter was around July. I understand you now believe it to be the end of 2009. I have never defended on this point of law but believe it to be the last acknowledgement Andy O will be more knowledgeable than me.

 

As this letter was to Egg it may no longer be in existence so cannot be used as evidence so forget it unless raised . I would do a SAR request where this information will be available to you.

 

 

Sorry letter was end of 2009. Can I do a SAR at this point or should it be a CPR request? I'm concerned time is ticking away before court deadline.

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