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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.
    • 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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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CRS (Zinc Group & Harlands)


AndrewKate
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I am looking for some advice.

 

I received a txt today from CRS (Credit Resource Services) stating "We are now able to offer you an amazing 50% settlement. Please call CRS on 01444 449 165 between 08:00 and 6pm in order to agree with us.

 

This confused me as i wasn't aware i owed them any money so i called up to see what this was about.

According to them it was a Gym membership from Nov 2012. They claim that i had spoken to them in March 2013 and agreed to provide proof of address as i had moved away from the area in Feb 2013 around 80 miles away.

 

Now hears were i got confused, I recall speaking to the Zinc Group about this query on 04/04/13 and they agreed that as long as the proof was sent to them that the account would be closed so i got a letter of my local council to say when i moved out of the council house which was 23/02/13. From which i have never heard any reply about this. And in speaking to the Zinc Group today, as far as they are aware the account is closed.

 

CRS are adamant that there is over £200 on the account outstanding and they can reduce this to £165.

I told them that as far as i am aware the account was closed and that i wasn't going to pay them a penny.

They said they would put the account on hold for a week and the call me back? why i don't know.

 

I did when i decided to cancel the membership speak to staff in the Gym and they just said its fine. As i moved and was at the time suffering from Severe Depression and Anxiety and this info was relayed onto the Zinc Group as all the harassment was making things worse.

At the time of signing up i was unaware that it wouldn't be with the Gym but with some other company.

 

Any help or advice on what to do next would be Greatly appreciated.

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Ignore

And stop phoning no legal powers DCA's

They are not bailiffs!!

 

Can't do anything to you

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 AK,

 

Stay OFF the phone from now on !!

 

If they call you back, tell them, "In writing only." and hang up with NO further discussion.

 

There's no need to respond to CRS (Credit RESOLUTION Services) begging letters or texts. And don't speak to Zinc again either. If you really owed anything, they'd have sorted this before 4 years had passed by !!

 

Harlands/CRS are just trying it on and, once they realise you can't be fooled or bullied into paying, they'll leave you alone.

 

Keep us posted and read about Harlands/CRS on other threads here, so you see how they operate.

 

:-)

We could do with some help from you

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Great !!

 

If they call you, follow, my advice above.

 

:-)

We could do with some help from you

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  • 2 weeks later...

[ATTACH]65886[/ATTACH]

 

Had this sent to an old address.

I was thinking of sending a letter to them but I'm not quite sure what to say in it.

Any advice would be appreciated.

Edited by AndrewKate
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Attachment unapproved. Waaay too much personal info on it.

 

Can you repost minus the name at the top and rename the file into an anonymous one.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi AK,

 

If necessary you can hide any personal identifiers and re-post the letter for us to see. I doubt it contains anything we've not seen before, or that we need to see now.

 

However, you need to make sure you always know what Harlands/CRS are up to so send them the following letter :-

 

Harlands Group

2nd Floor, Rockwood House

9-17 Perrymount Road

Haywards Heath

West Sussex

RH16 3TW

 

Dear Harlands/CRS,

 

You have written to me at an old address so please note my current address is :-

 

xxxx, xxxxx, xxxx, xxxxx

 

Write to me here if you have anything to say but I will not be paying Harlands/CRS or anyone about a matter that is several years old.

 

Yours sincerely,

 

Send this and get a free Certificate of Posting at the Post Office to keep as proof of posting.

 

It's far better to know what they're up to, rather than them use an old address to take court action that would be undefended by you.

 

Get the letter sent off asap.

 

:-)

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  • 1 month later...

apparently now my account has been passed back to the Zinc Group and have had a txt and letter now stating that i owe £347.04 but can settle today for £260.28 now or over the next 3 months.

Am sending them a email.

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why?

 

 

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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Don't really know they haven't been in contact since early December and letter just states

Dear ......

We have been instructed by our above noted clients "CRS on behalf of a gym" in our capacity as Credit Management Professionals to commence formal recovery proceedings against you for this outstanding amount.

£347.04

 

We would therefore like to offer you the opportunity to find a resolution before any further action is required, you can:

Setup an affordable repayment plan (please call email of logon to the website)

Pay a one off settlement of £260.28 now or over the next 3 months.

 

Payments can be made by means of credit or debit card by calling zinc

alternatively please send a bank transfer to etc..

 

Please do not underestimate the seriousness of this matter and attend to this notice immediately. We are here to help and will be happy to assist you, with any queries.

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don't enter into any stupid letter tennis

esp by email.

it gives them a free way to harass you instead of having to waste money on a stamp.

 

 

there is nothing they can do to you.

 

 

go read post 2 again...

 

 

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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Absolutely agree with DX.

 

Ignore their letter/demand/reduced settlement offer completely.

 

If you reply it suggests you are still taking them seriously to some extent.

 

If you ignore whatever they tell you, they will finally realise you're not worried about their demands.

 

Ignore them completely for now and keep us posted.

 

:-)

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 OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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