-
-
Tweets
-
Posts
-
nothing you can do can product against the very rare judge lottery syndrome. -
not sure why you added the blue line I've highlighted? that's no in the we gave you. as for your question... PRAC's roboclaim computer knows when the account was taken out, after all it raised the claim and checked everything carefully first before issuing the request via northants bulk courts equally inept roboclaim computer...
-
By barafear799 · Posted
I've been researching in preparation of compiling my particularised defence/WS. I'm none too happy that some judges still seem to be siding with DCAs and seemingly brushing aside anything that we have assumed to be "necessary" for DCAs to have a winning case. Reading a recent "summary" from another poster (another thread with case similar to mine - very old, illegible application form, no default notice, reliance on their own software to prove it was ever sent) and the judgment made in favour of the DCA and even suggesting that there was no "agreement with the DCA, they simply owned the debt, not the agreement" Makes me very nervous. Especially if cases like this will be judged on "probability" - the probability that if I signed the original application form, then I must have taken out the credit card and racked up the alleged debt as shown in statements enclosed in their WS (and dated some ten years later). Is it ok to post some "evidence" I've found from elsewhere? This is in line with my fears that regardless of how hard one tries to rebut the "lack of evidence" produced by DCAs for chasing these very old "alleged" debts, it does appear to come down to the luck of what judge you get on the day and how much they can be swayed by the DCA solicitor. A quick Google search produced the following - from one case - this related to a credit agreement - which resulted in someone being made bankrupt - that person appealed the bankruptcy order on the grounds of defective credit agreement and default notice and this was the appeal judge's decision: The necessary formalities for the entry into the regulated consumer credit agreement (which related to the debt in issue) were not complied with; The default notice served in respect of that credit agreement was defective. The First Ground The Appellant argued that she did not receive the terms and conditions when she entered into the credit agreement and, accordingly, section 61 of the Consumer Credit Act 1974 (“CCA”) had not been complied with and the agreement could not be enforced. The agreement had been entered in 1995 and, whilst it had provided a microfiche copy of the front page of the application, the Respondent had been unable to provide a copy of the terms. Despite the terms not being produced, the District Judge had found that, in the circumstances, it was very likely that such terms existed and would have been provided to the Appellant when she entered into the Agreement. Mr Justice Mann held that this was a finding that the District Judge was entitled to make. Further, Mr Justice Mann found that it was implicit from the District Judge’s findings that she considered that the terms and conditions not only existed but had been subscribed to by the Appellant’s signature and, consequently, the requirements of section 61 CCA were fulfilled. Mr Justice Mann held that this was also a justifiable finding which should not be interfered with on appeal. The Second Ground The Appellant also argued that the default notice upon which the Respondent relied did not comply with the Consumer Credit (Enforcement, Default and Termination Notice) Regulations 1989 because it stated the full balance of the account rather than the total of the missed payments. The Respondent argued that, as a result of the missed payments, it was contractually entitled to the entire balance subject to the service of the appropriate notice, a requirement which was fulfilled by the default notice itself and, consequently, the sum required to remedy the breach was the entire amount. Mr Justice Mann agreed with the Respondent and the District Judge, holding that: “If by the time the default notice is served circumstances have arisen which entitle the lender to recover not merely sums which might be regarded as arrears, by which I assume is meant accumulated minimum payments, but also the whole of the sum, then they are entitled to claim that sum, and the sum to require to remedy the breach for non-payment of that sum is the payment of the whole sum due. The bank is not confined, at that stage, to claiming merely the amount of arrears if it has an accrued contractual right to have the whole of the sum.” Do judgments like these not mean that a lot of what you guys do on here (and for which I and many others are VERY grateful) somewhat redundant. What is happening to judges just accepting "well, the terms must have been there if you signed it" - Feeling quite nervous now. -
we know it wasn't done to avoid enforcement we understand completely. but that doesn't take from away the fact that it happened you can't appeal the pcn's on the basis that 'it was not his vehicle to levy upon'. the law clearly states otherwise.
-
By ericsbrother · Posted
here is a question for you, is yu house divided up into a retail/business area and domestic area for business rates purposes? If not why on earth are you paying business water rates? ceertainly not for tax purposes as you can claim any legit expense without having to reclassify your home as a business premises. i would be stopping this nonsense and goping back to whatever water supplier is the domestic one for your area. there is stuff all they can do to get the £40 from you whan you do that.
-
-
Our picks
-
Be a kid this Chistmas
BankFodder posted a topic in Bear Garden,
Be a kid this Chistmas. Read more at https://www.consumeractiongroup.co.uk/topic/419309-be-a-kid-this-chistmas/-
- 1 reply
-
-
Caledonian Moving and Storage - Disappearance of Belongings @CaledonianMove
StormWarning posted a topic in General Consumer Issues,
Caledonian Moving and Storage - Disappearance of Belongings. Read more at https://www.consumeractiongroup.co.uk/topic/418604-caledonian-moving-and-storage-theft-of-belongings/-
- 11 replies
-
-
Mobile users can now switch providers with one simple text
Andyorch posted a topic in Telecoms - mobile or fixed,
Mobile users can now switch providers with one simple text. Read more at https://www.consumeractiongroup.co.uk/topic/417284-mobile-users-can-now-switch-providers-with-one-simple-text/-
- 4 replies
Picked By
Andyorch, -
-
@curryspcworld @TeamKnowhowUK refused to honour purchase
Irt8787 posted a topic in Currys/Dixons,
Currys refused to honour purchase. Read more at https://www.consumeractiongroup.co.uk/topic/417157-currys-refused-to-honour-purchase/-
- 103 replies
-
-
CAG Ticker
- Record your calls!!!
- ESSENTIAL:: Read our Customer Services Guide!!!
- Twitter - Why you should open a Twitter account
- ESSENTIAL:: Read our Customer Services Guide!!!
- Have we helped you today...? Please help the CAG
- Follow @Real_CAG
- You can now change your notification sound
- Why don't you change your profile picture??
