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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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Hoist/? claimform - old Barclaycard 'debt'***Claim Discontinued***


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already pointed out the issues

 

 

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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The issues listed where written before i posted a copy of what they sent me so maybe some of them maybe not be correct now and as previously mentioned that confused the hell out of me hence why andy said best thing was to scan a copy of what they sent ....physically seeing what was sent might change some of the issues

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haha as we guessed

std 620000 rubbish they roll out for every claim.

 

and for a 2010 agreement your was years before?

 

 

your agreement was signed in 2002

that lot is from 2010

bogroll

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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oh thankyou

i didnt know that would even make a difference

 

i thought they would just say that it was a varied agreement and terms change over time or some other **** paper as you put it :)

 

so being really stupid now

when this finally goes to court do i rely solely on that ..

 

. i like to be prepard in my thinking and this is seriously out my comfort zone and i only owe the two debts but either will cripple me if found against me

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and anyway you've not had notice of allocation from the court yet....so

that bogroll just willy waving

 

 

wait and see

doesn't mean its going anyway still a speculative claim

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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Best to upload it Joe..makes life easy.

We could do with some help from you.

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Hi Joe,

 

Please post the doc here as Andy suggests.

 

Re Mediation, the mediator will ONLY be interested in seeing if the 2 parties are willing and able to compromise and agree a settlement acceptable to both. The Mediator will not be interested in what you have or haven't received.

 

The mediator will want to know what you're prepared to offer to settle the claim, and if the Claimant is willing to accept that amount in settlement. If you're NOT prepared to offer anything because you think the Claimant's claim is weak, just confirm you're unwilling to make any offer.

 

That will stop the mediation process but will NOT affect the validity of the claim or your defence. The process will move on to be dealt with by your local County Court.

 

:-)

We could do with some help from you

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guys the CCA return is in post 247 if that's what you keep asking for?

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

In the cover letter attached to the reconstituted version of the agreement...they claim that your recon agreement as varied in accordance with section 82 (1) of The CCA 1974.

 

Have a read of that section....

 

http://www.legislation.gov.uk/ukpga/1974/39/section/82

We could do with some help from you.

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andy to my shame i aint that smart

i read it and then read it again and still none the wiser the more times i have read it the stupider i feel ..

 

.why legal talk has to be designed that it confuses the be jesus out of most ppl .

 

..unless you was aiming for the section where a modifying agreement overrides a earlier one

so even though this one is dated 2010 it over rides the original one i had.

 

.. thats as far as my poor brain would take me

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Close ...but yes...if the agreement has been varied then a recon wont wash......as it wont anyway as this is a pre 2007 agreement.

 

Just a further argument thats all.

We could do with some help from you.

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well i guess i just wait now till a court date or what ever happens next happens once i get info will come back here ...cause as it stands lol if i went before a judge and he asked a question i would be like eh...

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I had a call from the mediation people today as i missed a email they sent me out on the 19th went to spam..

 

its for a mediation call for the 12th june .

. do i just agree to this?

 

as the question its asks in the email and if you say no to any of them then it says mediation is not for me..

 

. i ask to what purpose the mediation serves as i cant pay or offer a compromise to whats owed .

 

unless they're willing to take a massive discount on the original debt not the inflated amount they now want i couldnt even consider it

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post 258 refers...

 

if you've not receive all the required paperwork

they will ask the same questions as in their email.

 

you say no you haven't

mediation will fails.

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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any advice on my plan of action?

 

i have the sars but what am i looking for in it .

..mediation is on monday morning

 

from what i have read the argeement needs to be accurate as the agreement was when the card was taken on on its terms and conditions?

 

i have statements from the SAR that show my interest rate was only 1.0xxx percent per month at the time but the agreement i believe shows a much higher rate

 

would this and the face parts of it are not readable justify it failing as a true copy of the agreement?

 

it not being signed doesnt seem to matter nowadays if that is the sole defence

 

my continued thanx on any help given

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If you havent sent an SAR request yet it maybe worth looking into as well, takes 40days allegedly and costs £10. Barclaycard are not the best to deal with as you apply online and all the call centres are in India and no one seems to know what youre talking about when you chase it up.

 

so any advice on my plan of action? i have the sars but what am i looking for in it ...mediation is on monday morning from what i have read the argeement needs to be accurate as the agreement was when the card was taken on on its terms and conditions? i have statements from the SAR that show my interest rate was only 1.0xxx percent per month at the time but the agreement i believe shows a much higher rate would this and the face parts of it are not readable justify it failing as a true copy of the agreement? it not being signed doesnt seem to matter nowadays if that is the sole defense

 

my continued thanx on any help given

 

Perhaps mpmmpmpmp could advise as he advised you to do a SAR...

 

I would simpy follow the Court Directions as per the Notice of Allocation...nothing in the SAR can help you.

 

Andy

 

Andy

We could do with some help from you.

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thats disappointing

i was hoping when it finally goes to court and they do their witness statement thing and tell the court the agreement they're using is accurate

- that when i say it isnt cause the rates are different here is a old statement showing a different rate

- and the fact you cant read all of the agreement

( thought there was a part that says a CCA has to be basically readable by the debtor to be valid in its terms and conditions)

 

 

- the court would throw the agreement out I

- s alot of conflicting information on the web over agreements and trying to pick fact from fiction so i can try and make a defence or all this has just been a waste of time if the inevitable is going to happen anyway...

 

have a couple questions from what i think i understand

defaults ccj all fall off your credit file after 6 years regardless if there paid or not?

 

 

i am not bothered about the debt

but i wanted to clean up my credit file so my credit rating would improve

and it was till the only two debts i am in default with showed up..

 

 

if i was paying them even a token payment would that still show up if i was still paying after 5 years or does that drop off too and i just carry on paying it?

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Well you should be able to see that the recon is invalid just from looking at it....a reconstituted version would be pristine .if you cant read it then there is another fault.

 

Illegibility of agreements is covered by the CCA1974 sec61 not the creditors terms and conditions.

 

http://www.legislation.gov.uk/ukpga/1974/39/section/61

 

If the Interest rates and T&Cs are not connected to the alleged agreement that is covered by section 77/78 of the CCA1974.

 

Why would you consider it all a waste of time to try to defend a claim ? If not defended they would have a judgment by now without any say/challenge from yourself...you have yet to get to directions and disclosure /witness statement stage.....how do you know they will comply ? How do you know they will not discontinue ?

 

With regards to your questions in the event that they do attain a judgment...yes a CCJ will only show for 6 years..paid unpaid partially paid partially settled.

 

Andy

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I never received any documents after my SAR so Im not sure what it contains.

 

I was hoping to find a discrepancy between my original agreement and the reconstituted agreement which would show it wasnt a true copy of the original agreement as it must be.

 

Don't think it really matters as s78 requests are only valid on live agreements(something I wasnt aware of at the time).

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Don't think it really matters as s78 requests are only valid on live agreements(something I wasnt aware of at the time).

 

 

Probably because its nonsense :wink:

We could do with some help from you.

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

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Well you should be able to see that the recon is invalid just from looking at it....a reconstituted version would be pristine .if you cant read it then there is another fault.

 

Illegibility of agreements is covered by the CCA1974 sec61 not the creditors terms and conditions.

 

http://www.legislation.gov.uk/ukpga/1974/39/section/61

 

If the Interest rates and T&Cs are not connected to the alleged agreement that is covered by section 77/78 of the CCA1974.

 

Why would you consider it all a waste of time to try to defend a claim ? If not defended they would have a judgment by now without any say/challenge from yourself...you have yet to get to directions and disclosure /witness statement stage.....how do you know they will comply ? How do you know they will not discontinue ?

 

With regards to your questions in the event that they do attain a judgment...yes a CCJ will only show for 6 years..paid unpaid partially paid partially settled.

 

Andy

 

 

I have no idea whats connected to what as regards to the agreement

most of this is second nature to most of you .

.what you might see as very obvious isnt to me.

 

i have no idea how things move along as regards to the time line of being summonded to when a judgement is made .

 

 

.and i am trying to work out what my defence my chances of winning hinges on .

.the more i have sat and thought the original agreement would of been one of them generic postal applications you signed and waited to see if you got sent a card.

 

 

.as for a waste of time i meant unless i have a defence that i can get my teeth into with a chance of winning and not just grasping at straws hoping i get a decent judge when the time comes .

.i am hoping they dont turn up lol but how often does that happen if its being defended?

 

i did hope the SAR would list what the debt was sold for at least then i would have a bargaining tool if i was to offer a settlement

 

 

..if i have a decent chance of winning then i would be stupid to try and settle

but if i am flogging a dead horse trying to get the best deal without a judgement against me would be the best scenero as this debt falls off my credit file in november

 

 

a ccj would leave it there for anoher 6 years .

.. i am just looking at all angles and outcomes trying to work out the best one for me

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