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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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Halifax/Ascent - home repossession***Suspended* **


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have you told them you have involved the Ombs?

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 there, I'm afraid I think that an N244 will be what you need to do. We can help you with the statement for the form and advise the judge how you have been harassed and how it has affected your health. Once you have entered the N244 the court will send Halifax a copy and I bet they soon cancel the eviction when they read it !

I can help you draft a letter with your offer of £1,000 and an amount towards the arrears going forward and advising them you will be entering an N244 with full details of their behaviour for the judge to see.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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yes

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

wanna bet!!

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

again all these things were told to you over the phone

which you should NOT have used

they wont dare say them in WRITING>

 

 

sorry but you really need to ONLY pay attebtion to what is in their LETTERS.

 

 

ell-enn will sort you out with the pressing issue of the eviction

which wont happen anyway.

 

 

then we can hit them with the rest of it.

 

 

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

Thank you .

 

 

I only spoke to them on phone as had no letters other than eviction one..

was told by who is case managing my file that it could only be done on the phone

 

 

said if I did they would work with me and do a pay payment plan

to which they after 2 hrs at one point and an awful draining emotional call said no

they could not stop eviction only reduce the amount I have to pay which I feel is too much still ..

 

 

it’s settinb me up to fail come next month

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well you don't speak on the phone anymore!!

writing ONLY put the phone down

 

 

end off!!

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

its on the eviction letter surely?

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

well I would expect so..

I mean a main highstreet lender wouldn't blindly threaten to eviction someone without them telling you who they were......

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

I have Halifax address it’s the case managers address which is secured collections that I don’t know if I have

 

 

All the departments will be located at the same address - you just write on the envelope which department it is for - i.e. "For the attention of Secured Collections Dept" then Halifax and their address.

 

I really do think you should write to them before entering an N244 we can tell them that you will be advising the judge of their behaviour

 

- they might just take notice and cancel the eviction.

 

Do you want me to draft a letter ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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All the departments will be located at the same address - you just write on the envelope which department it is for - i.e. "For the attention of Secured Collections Dept" then Halifax and their address.

 

I really do think you should write to them before entering an N244 we can tell them that you will be advising the judge of their behaviour

 

- they might just take notice and cancel the eviction.

 

 

 

 

Do you want me to draft a letter ?

 

 

 

Yes if you could . I called the case manager dept they are based in Chester under evictions department , I asked them to give me their address and asked if they would reconsider my proposal they said no because they had already reduced it to £2100 so I said I’ll write .

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God please stop ringing these fleecers!!!

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

God please stop ringing these fleecers!!!

 

I wanted their address so it didn’t spend days going round departments and made it to the correct dept for them to sign to say they recieved it . I do understand the point of not calling them

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Hi, you did the correct thing in getting the address for the relevant department, it saves any delays in the letter getting to the right person.

 

 

Affixed is a draft letter for you to look at. You need to put Halifax address in and the mortgage account no. Also within the letter there are XXX's where the amount you are offering needs to go. Remember to keep a copy for yourself and also keep the postal receipt safe so you can check they have received it and print off the signature.

Morgan 8080.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I wanted their address so it didn’t spend days going round departments and made it to the correct dept for them to sign to say they recieved it . I do understand the point of not calling them

 

 

Just had a letter through dated 19th sept from a different Halifax address .

Enclosing the income expenditure I did over the phone and saying that some figures may be estimated and if I could go through it and get in touch if I need to make any changes.

 

It then says

“ we use the information to assess your affordability and agree a manageable way to repay your arrears.

Even if you’re only able to make small monthly repayments, this is first step to getting finances back on track”

 

I know this must be a generic letter but it’s insinuating I can agree a payment plan????

 

I do need to amend some of the figures on there

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