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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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Hillesden/mortimer claimform - Black horse loan Stat barred 13 year old debt- help please


sarah0906
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And what will they do if you dont reply within 14 days Sarah ? :-)

 

It says

You have alleged that the claim is statue barred. Section 5 of the limitation act etc etc.

 

We are instructed that on this case that the cause of action accrued when the agreement was terminated on 10/09/2010 therefore proceedings were issued within the 6 year period.

 

Ifyou disagree please set out the precise legal basis giving the date which you believe the debt is statue barred.

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Well you have already submitted a defence which states its statute barred...if they think differently...let them proceed with the claim and you can particularise when and how in your witness statement at a later stage in the process...the court set the dates not these numpties...ignore.

 

Andy

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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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But I no longer have proof of when the last payment was but I think it would have been 2008. I will just ignore them then and see if the court responds in the mean time.

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you filed the SB defence

its for them to prove its not SB'd

not for you prove it is.

 

 

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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They have to prove when and where the payment was made, how it was paid, how much was paid, and also that YOU paid it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sarah I got the same reply, word for word except dates. Do not worry you are almost certainly going to win this one.

 

If you want to know when your last payment was made then order statements. I paid around £6 for two years worth with my building society. Mortimer Clarke even told me when it was made as they don't care when it was according to their new laws.

 

*It is still worth your time to know when your last payment was made as the SB defence will just fail if it HAS been less than six years.*

 

Mortimer Clarke should be reported en mass. I confirmed with DLC, and DLC agreed that the cessation of contract is not a pointer for the SB beginning to tick it is either

 

1) No payment in six years

2) No admittance in writing in six years.

 

They are offering you a massive discount, that should be enough to tell you they are trying it on.

 

COMPLAIN to DLC, request a copy of the original agreement but word it as a complaint, my bet is they will uphold your complaint and cease collection.

 

Do this in writing under a CCA agreement and send a postal order for £1. I sent mine on a Friday and got a letter back Wednesday apologising. Note that the £1 is for the request and not a payment off the alleged debt.

 

MC are under massive pressure to get a turnaround for these unenforceable debts. Do not bother with them as they will say anything, and communicate in writing with DLC and make it a complaint only.

 

(DLC is the trading name of Hillesden)

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MC are under massive pressure to get a turnaround for these unenforceable debts

 

 

interesting comment....

 

 

anymore known.

 

 

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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I have (and I do not recommend everyone does this) made multiple recorded phone calls to Mortimer Clarke. Never have I spoken to so many incompetent people all singing the same line.

 

The limitation act is triggered by (the latest event)

 

1) No payment in six years

2) TERMINATION of contract

3) No acceptance of debt in six years.

 

They have all been briefed with this falsehood, every single agent I spoke to. I got a callback from a 'lawyer' at Mortimer Clarke and they also confirmed that my alleged debt was not SB.

 

Any company that knowingly takes legal action on a SB debt is acting vexatiously and can possibly face problems being legally called a vexatious litigant. Any company that risks this so blatantly is under massive pressure. Especially one that relies on courts (ESPECIALLY bulk centres!)

 

DLC dropped my case and is currently investigating complaints, mine included, that MC are acting in this way. That's because MC blame (on record) that they are only following DLCs orders). I do not believe this.

 

I encourage you all make complaints.

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amazing

though ofcourse it will prob be very profitable for them

 

 

we see less the 0.1% of claims here

 

 

just think of the 1000's ofclaim that this lot has issued on old Blackhorse loans

 

 

I believe most of then are to do with car finance

and most are to do with carcraft?

 

 

as that lot went down the pan hole

some got ahold of all the data .

 

 

and pumped it into a computer.

 

 

even if 1 in 50 either don't respond or cough up.

that's a potential few grand per claim to their pocket

 

 

will easily outweigh any fine they might ever get.

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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Exactly.

We will see very few cases here from the exact amount issued.

 

 

Most of these claims will win via default if the alleged debtor does not defend and most won't. And that included all stat barred debts.

 

That's why it is very important that the few who do come here, and I was one of them, make an official complaint.

 

 

In my case to DLC.

They will not confirm in writing that the debt is not SB if it is.

They will not proceed once you have informed the court and DLC it is.

 

So fight :)

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Exactly. We will see very few cases here from the exact amount issued. Most of these claims will win via default if the alleged debtor does not defend and most won't. And that included all stat barred debts.

 

That's why it is very important that the few who do come here, and I was one of them, make an official complaint. In my case to DLC. They will not confirm in writing that the debt is not SB if it is. They will not proceed once you have informed the court and DLC it is.

 

So fight :)

 

I definitely haven't made a payment or contact in six years. I don't think I will be able to get bank statements as it was with another bank and that account closed years ago. Sorry I'm not very good at this! So I should write a letter of complaint to hillsden ? Do you have a template letter you sent that I can adjust using my details obviously.

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No point in writing a complaint . it will be ignored. If you are sure its SB, just ignore everything but a claim form, then come here and we can blow them out of the water.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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this is a claimform...:lol:

 

 

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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I realised when i posted but couldnt edit haha. I was getting mixed up with another thread. I have my 'special' moments :o :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore...dont send any letters.

We could do with some help from you.

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Sorry guys. I disagree (quite strongly). I have had two of these baseless court orders thrown my way and I wrote to both parties who owned the alleged debts and they found in my favour of course and both have issued me with recompense. You can ignore the claim and hope they pull out or you can write to them now and sort it.

 

I'm curious. Why wouldn't you file a complaint and then go to the ombudsman which gets recorded against them? We moan that dcas work this way but then do nothing about it.

 

Sarah. Write to DLC if you are SURE it is barred and complain that it has gone this far and ask for £100 compensation for your distress, you'll be surprised how bad they will want your complaint to go away. Complaining by letter does not mean you admit any liability and if it is stat barred it can't be unbarred anyway.

 

You can leave it but it'll probably be placed on hold forever in the court system and I would rather be sorted now with a complaint upheld against the dcas.

 

Mortimer Clarke won't do anything as they use the nuremburg defence but DLC will act.

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Floydian, it is my understanding that a claim has been issued on this Statute Barred debt and that Sarah has submitted the statute barred defence - in which case there is now no requirement for her to contact the claimant at all ?

 

Of course she can if she wishes in order to attempt to make a claim for some compensation.

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Floydian, it is my understanding that a claim has been issued on this Statute Barred debt and that Sarah has submitted the statute barred defence - in which case there is now no requirement for her to contact the claimant at all ?

 

Of course she can if she wishes in order to attempt to make a claim for some compensation.

 

Thats roughly it but also the claim shouldn't have gone to court in the first place which is why I add a complaint. The more people complain then a bigger picture is given to the FCA.

 

Dcas are trying it on. This should stop them (in the long run).

 

I also find it speeds them up somewhat and stops the claim bring stayed indefinitely

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Dont get involved in letter tennis sarah..its counter productive will achieve nothing and will distract you from dealing with the claim.

 

Andy

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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Dont get involved in letter tennis sarah..its counter productive will achieve nothing and will distract you from dealing with the claim.

 

Andy

 

But it didn't achieve me nothing did it Andy? Mine is sorted.

 

If my advice is not required, delete it but it's worked for me twice with both cases discontinued before dates are arranged.

 

No wonder this happens on mass when complaints are not filed.

 

Andy while I respect your advice if it is 100% stat barred she should inform the original debt purchaser, DLC. They might not even know what MC are pulling here. They are currently investigating them via my complaint.

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Floydian we deal with 1000s of claims on CAG...a lot statute barred...we have a tried and tested process in dealing with them.I accept that you have had 2 claims and dealt with them successfully..in your own way...but we have also had great success in getting statute barred claim dismissed or discontinued without the need of even contacting the claimant.

 

I dont know with particular detail what stage you got to in your claims...but we achieve the same result without the need of ever contacting the claimant or informing the relevant financial bodies.

 

If you feel content that what you did in your particular cases...then so be it..and I wish you every success in what you are trying to achieve but every claim every claimant deals with the process slightly different and their approach varies enormously.

 

Statute barred debts will continue to be chased and even tried to be enforced..and with the greatest respect no mater how many complaints are made..I fear that it will never have any effect on the world of assignments and trying to pass off statute barred debts through the courts.

 

Your advice is most welcome but its not a case of one size fits all...unfortunately.

 

Regards

 

Andy

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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Post 15

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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