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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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CWD - PAP Letter re old UAE debt now claim form


Hornsey62
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Interesting article...wonder which Solicitors they spoke to...

 

https://www.buddyloans.com/blog/returning-to-the-uk-with-debts-outside-the-uk/

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Dx

 

We need some help here

 

You can't keep saying the things you do...do you realise what impact this is having on people's lives.

 

Can you help us or not..they have jurisdiction we know it that now so what do we do ?

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Start to prepare the basis of a defence Hornsey62 as I have advised on your own thread.

 

We cant use the normal technicality defence which puts them to strict proof as we dont know if this is being tried under UK law or UAD Law.

I would assume the full protection of UK laws should apply given that it is being tried in an English Court and we should utilise them.

 

But we also must treat this as an unregulated loan for all intents and purposes 

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The T&Cs are governed by UAE law and the judge did say that UK courts are competant in hearing these cases although she did say no one's getting their hands chopped off!!

 

Makes a mockery of it in my opinion. Only have to look at the news today to see what a joke UAE law is.

 

How do you treat an unregulated loan Andy ?

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You are right squaddy

 

The banks don't even stick to their own regulations...they phone you constantly to take out loans when they know if you lose your job you have to leave..madness

 

You have insurance that they won't honour and won't let you arrange a repayment plan and then bring their claims here for our courts to deal with because they can't be bothered. How is that right ?

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Well UK unregulated loans are legislated through the FCA I understand....as for unregulated UAE agreements :confused:

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We have a starting point and very strong 

 

I did advise you to raise points such as had the claimant requested permission to serve out of jurisdiction. The English Court should not exercise its jurisdiction if there is a more appropriate forum (known as the doctrine of "forum non conveniens") and Another gateway is where the dispute relates to a contract which is governed by English law or contains a term conferring jurisdiction on the English Courts to determine any claim in respect of the contract.

 

Im relying on you to provide a little history to any disputes unfair charges and interest etc etc

We could do with some help from you.

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I understand what you're saying Andy but it seems none of the above applies due to The Rome Convention  (they are circumventing the law as far as I can make out)

 

I can tell you the circumstances around why I left but a judge wouldn't give that consideration would they?

 

So apparently our cases can be heard here to give us protection but we have none because the loans or credit cards are not regulated here! 

 

Something wrong with that.

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We could do with some help from you.

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Hornsey62

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if versus has been banned they will be but not Hornsey62

but anyway you don't need those to do a defence .

 

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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Why Dx we know a lot more than you do about this surely. We've been out in the cold sInce we lost the out of jurisdiction case and now have had to battle it on our own

 

So why do you think cag know more. I thought you were here to help people but apparently not if challenged

 

We relied on cag and were let down BADLY and so stop with your advise you really know nothing about

 

If you want to help find out more

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I am simply pointing out what happens when a user is banned.

anything from them if you've not saved it off cag will obviously vanish.

 

as far as we are aware, all that's been supplied in relation to requested documents is one or 2 pages of Arabic and English side by side stuff that proports to be an agreement..which wasn't, which was not posted to cag..which turned out to be a red herring to hide it..

 

until they cough up with an enforceable English version of the signed agreement and everything else thay must produce to be even remotely successful in their claim, the best idea might be the usual no paperwork/holding defence putting them to strict proof , esp upon the enforceability of any agreement under UK laws.

 

 

 

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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No one on here has been sent anything in Arabic everything we received you received. ..none of us ever got sight of the T&Cs. .

you know that.

 

It's all been sent from county courts in this country and no one knew  how to to defend.

You mislead us and has cost us money we can't afford. 

 

You told us they could do nothing.

.to any of us ..wrong.

they can.

We relied on cag..wrong. .and now we are speaking out

Probably be banned now..

 

Where's Andy now with all of he's knowledge?  No where.

 

I'm beginning to wonder what this forum is all about.

 

Banning people for having more knowledge? ?

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why would admin ban you.?

have they banned someone for having more knowledge?

or have they suddenly come to CAG with what appears to be more knowledge ..but are infact someone that's thrown the kitchen sink at their claim and have suddenly realised that was p'haps not the right thing to do??

 

the ban was more likely that they couldn't abide by simple rules of respect for others

it's not personal here..it's an anon forum..

.p'haps they were like that and followed us and blamed us, as you appear to be doing at present out of frustration.. over something that to date has only ever gone to a certain point..hence our advice ..only went to a certain point.

they CHOSE to do what they have done...if they don't make a thread and ASK for help..they cant blame CAG.

then come here firing bullets for the mess they are in.

 

no signs of it costing you money to date..stop exaggerating things,

all that has happened is the matter of jurisdiction has been, to date, allowed to progress..to a std UK court claim.

 

to the date of their latest escapades with you and the others here ..they haven't done anything further..i nor CAG hornsey have a crystal ball that can see the future!!

 

what we do know with quite a firm knowledge is that these people will pull ANY STUNTS they can to get a well publicised win.

and as it stands , the publicity and doubters within the threads on cag of recent, be them members of the wide firm of paid believers or otherwise, are succeeding in undermining you and the others facing these cases.

 

as for the useless Arabic/English agreement 

it was mentioned here post 54

you've not seen them so ...

 

stick with the disclosed facts of YOUR case, that's all the judge will do not anything else  hornsey..

 

as for andy not being around..its 01:30AM.

 

have you actioned what he recommended

post 96 here

 

please post up the work that you've done since then to help everyone...……………….. 

 

time for bed ...

 

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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posts moved to own existing topic

 

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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On ‎06‎/‎04‎/‎2019 at 22:53, Andyorch said:

 

No advice to offer at the moment you said you had 21 days to prepare a defence.....have you made a start as requested last week in preparing points that can be used in your defence...what about the initial debt ....any disputes...reasons for leaving it behind etc etc.


Andy

ref above too

 

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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26 minutes ago, dx100uk said:

doesn't mean the agreements nor T&C's ARE enforceable in this country

simply means the judge decided the case 'could' be heard under UK jurisdiction.. there is a 1000mls difference between the two...

 

 

Trouble is no one ever sees the T&Cs until CWD get involved. The bank rep always meets you somewhere other than the bank to sign an application which is a declaration you agree to T&Cs  so you think you've signed an application but in reality you're agreeing to T&C you've never seen

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great excellent point..dont need to understate how corrupt the whole system is over there myself..its your DUTY now to bring everything under the judges nose..prove what you are saying and intimating..in your defences..

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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well that's the way it always been and will always be in court - you've known that from day one matey!!

 

I have lost track of the number of times I've experienced utter BS from a defendant in court on these cases 

no wonder they all lost...or were they paid too….🕵️‍♂️

 

you seem intent on wasting your 21 days in worrying if the sky will fall like Christopher Robin..

 

so since andy advised to get on with writing your defence..have you ACTUALLY done anything to help yourself and put up any pointers that others can expand upon for you.??

 

sorry for being very blunt...but all it appears you have done is run around every other thread bar your OWN moaning..

 

 

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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