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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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IDRWW,- coyle white Devine trading under a different name chasing me


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Hi guys,

got an email a while ago from IDRWW, (wrong fca reference number on it)

after a search it reveals its coyle white Devine trading under a different name.

 

 

they say they have my email address, and say they will say will use it for correspondance.

 

I left uae with debts,

I won't go into the sob story but they're asking for circa £60k (way more than I would owe)

 

 

I've got no assets,

about to leave my job,

no longer at old address given to them in Mid East years ago and

 

 

I owe in uk £27k in loans and £5k on credit card.

I pay all of these normally and I'm fine, but on paper am skint.

 

Am I right in guessing that they have no idea where I'm living and can't get in touch with me and a credit check reveals it's not even worth persuing me in court?

 

Any help would be greatly appreciated, oh and I'm going out the country in 2 weeks so surely they can't do anything while I'm out the country?

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If they checked your UK credit record, it should show your UK address, unless you have moved and it is not up to date. Perhaps they wrote to the UK address and have not managed to contact you.

 

If you have no assets and plenty of debt, then perhaps get debt advice. If you left the UAE within the last 3 years, you can include this debt in bankruptcy if that were ever considered.

 

You can ignore an email, as they can't issue anything official e.g court claim to an email address.

 

Pretty sure your UK records including land registry will have been checked to see whether you are worth going after. CWD are only interested if they can make money pursuing a debt.

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

 

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Thanks uncle Bulgaria,

yeah I've got loads of debt on paper here and no assets what so ever.

 

 

If they went after me they would be so far down the line. I left uae in 2013.

I have moved and address not up to date,

I'm also leaving my job in 2 weeks.

Going travelling then not sure whether I'll come back or not,

if I do I still won't be registered at any address in uk.

 

As far as I can see it will cost them to take me to court and only for them to get nothing.

I have multiple passports and am happy to go overseas and work again so they will get nothing.

 

 

Also I fail to see how they would have the original paperwork from the UAE.����������

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own thread created

please don't randomly post on other peoples threads..

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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go enjoy your life

 

 

all and bugger they can do to you or anyone.

simply want to fleece people that think a DCA has some magical powers

with a debt from several 1000's of miles away.

 

 

they don't

DCA's are NOT BAILIFFS.

 

 

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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Share on other sites

It would be up to the UAE creditor whether they wanted to spend money on enforcing their debt.

CWD won't spend their money on anything beyond any initial fee they might receive to cover basic communications.

 

After you have left the UK, send them an email advising that you are no longer in the UK.

Make sure UK creditors know you have left the UK as well, to avoid default CCJ's obtained using your old UK address.

 

Remember, don't enter or transit through any Islamic country where this UEA debt might be registered at the border.

If you do so, you risk being detained for questioning about the debt.

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

 

If you want advice on your thread please PM me a link to your thread

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I don't intend on ever going back to the Mid East or ever going through it in transit.

I feel I'm best to not respond or communicate with them at all.

 

If they file a ccj I will defend stating I'm overseas. I

will continue to pay my uk creditors always.

I always service realistic debts but the UAE ones are not warranted and are covered by insurance by UAE employers and banks.

 

The whole country there is in debt and the legal system is corrupt, it's who knows the higher person or sheikh.

 

For them to take me to court they would have to provide the original signed papers, and considering I never signed anything and a friend signed for me in a pub claiming to be me., I fail to see how this could ever come about.

 

It gives you an insight into the absolute joke of a country it is and how shoddy their banking practices are.

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Always best to avoid a CCJ in your absence. If you tried to set aside, you would need to offer up a proper defence and do so promptly. And the set aside might just lead to your debt being subject to a hearing. CWD seem to just give up, if they are given information that makes a debtor look very unattractive.

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

 

If you want advice on your thread please PM me a link to your thread

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  • 9 months later...

any developments

see you were here recently looking around

 

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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  • 2 months later...

thanks well done!!

 

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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