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    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • 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.
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Full & Final.... any advice please.


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Hi,

 

Please bare with me,

 

Its like War & Peace.....

 

The wife and i are currently on a Interest Only mortgage, we have bad credit and have been trying to re-mortgage to try and get some of the mortgage paid off, We have two young children & no-one will touch us.

 

We have around 80k equity in the Property at the moment.

 

I'll do my situation first....

 

I have been on a DMP with Step change for nearly 10 years, started early 2007.....at first i owed around 27k but now it is down to just over 8k.

 

After some great advice on here , I CCA'd all my original creditors a few years ago now & came back with the agreements in place, so i just kept paying step change £200pm to divide up between my Six creditors., now i pay them £100pm due to more expense on home life.

 

So I've been plodding along paying £100PM to six creditors.

 

The Creditors have sold five of the six debts on....

All Credit cards apart from the Yorkshire one , which was an O/D.

I've rounded the Monthly Payments up.

 

Halifax - Cabot - £2,900 - paying £22

Barclays - Cabot - £218 - paying £5

MBNA - Link - £1,963 - paying £19

RBS - Wescot - £1981 - paying £31

Lloyds £1,218 - £1,218 - paying £14

Yorkshire - Apex £16.53 - £9

 

When i've checked my Noddle and Experian , none of the above debts show up on my file ?

Is it because any Defaults i had are now spent ?

 

Any explanations to this please ?

 

I rang Cabot up yesterday for a F&F and they knocked £600 of the £2.9 straight away, they say they'll ring me back nxt week to see if i can raise the funds ??

 

I am looking to make them all offers and can hopefully ?? knock it in half ?? Could anyone please advise.....

 

We have now been advised to get second charge loan to pay off our outstanding debts , so nxt year we will be able to get on a low interest repayment plan in the future.....

 

Even if we get this second loan to pay all the debt off , then consolidate the loan into a low interest mortgage , Would that be possible ? After all the debt we currently have, would it all be wiped off our files nxt yr ?

 

I haven't CCA'd the Agencies that have bought my debts as i know it could take months with all the games they play......

the Second Charge lending company want a decision regarding their loan asap & my financial advisor says no one will touch us for the remortgage in the future if i don't clear this 10 year debt up.

 

Also i know the Lenders are trying to get people off the Interest Only Mortgages......

 

My wife is in an agreement to two creditors for around 16k in total, of which one of the accounts is in Default.

 

Of which one has just been sold onto Cabot.

 

She will F&F them too, would that do any good ?

 

One last point, the Lender of the offer of the second loan , was really keen on my DMP , it seemed to all boil down to a couple of missed payments in the past, i just found it strange how my wife debt agreements, default didn't seem to matter, it seemed to be all about my DMP ?

 

Thanks again.....

 

I know its very long winded and wrote a bit confusing but we really want to start paying the mortgage off as we are both in our mid 40s and want to think of the kids......

 

 

I understand that there are a host of questions here but

Any help on our situation would be greatly appreciated....

 

Thanks again.

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Wouldn't trust that FA as far as I could kick him

If the debts arnt showing then its none of the mortgage companies business

 

As for yet more secured credit to clear debts that mostly appear bogus with discounts..I wonder if he is getting a backhander on commission??

 

Pers I'd be restarting the CCA process

 

Something's not right

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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