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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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Moneybarn Car Repossession ROGO (Scotland)


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Hi hope someone can advise

 

Took out a car with Moneybarn in 2015

got behind with payments

they went to court

got a time order in May 2017.

 

Last year I had difficulty making the payment due to a change in jobs (was working for an agency and getting very little shifts)

 

In Nov 2018 they went back to court and had the time order revoked and a ROGO.

 I did not defend as I wasn't able to make the payments. 

They have not collected the car until attempting to today

 

after scouring here last night I was brave enough to tell them it wasn't convenient today. They are returning tomorrow.

 

I am now in full time employment

emailed them with a budget offering to pay

enough to pay the car by Nov 2020 the date when it would be due

they have refused and just want to repossess the car.

 

I understand I will not get a second time to pay order

is there any other option to try and keep the car?

 

 I sent a SAR last night by email

there are £18 DD charges on the statements

I am hoping they send a breakdown of what I am being charged for.

 

Many Thanks

 

 

 

 

 

 

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  • AndyOrch changed the title to Moneybarn Car Repossession ROGO (Scotland)

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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And i bet they charged you £350 for each failed repo attendance.

Dont forget they are NOT BAILIFFS !!!

 

no legal powers whatsoever but dont leave the car on public highways

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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I got this from the national debtline

Extra advice:

when you can't apply for a time to pay order

You cannot apply for a time to pay order if you had already been granted a time to pay direction and fallen behind on the payments ordered by the court.

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Scotland!

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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When I looked at her card it said they were sheriff officers, I didn't realise until they'd left and told them it wasn't convenient to give them the car today!!

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sheriff officers acting upon the ROGO order...

thats rare for Scotland and must have cost MB a packet or they were from the court?

 

shame they didn't have a copy of the court order or the default notice with them else they could of enforced it should they have wanted too.

 

so because they didn't, there must be something up with it...urm.

 

can you check something please...

have you got confused with the names as these are two very different things.

a time to pay direction

a time order

 

which was it please and did YOU agree to it?

 

 

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

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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did I need an excuse to go to where someone would be drinking tonight....

can you clarify....

 

you said they went to court in 2015 ...was this a simple procedure claim? this resulted in what ….TO or TTPD?  WHICH 1.time order or 2.time to pay direction

 

you said they return to court in 2017 to revoke above...and got a return of goods order..was this a NEW simple procedure or a under the same claim number as the above?

 

if it was a new claim, you would of received in the pack from the court a form 03..did you?

 

please can you answer the questions here...

the bottom line is IF you got a new form 03 with the ROGO then you can do a time order regardless to if to already used a TTPD..we believe

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 Sorry

 

My mistake. It was a time order in 2017 increasing the payments to £300 a month. I failed to keep up payments and they returned to court in Nov 2018  and revoked the time order and a ROGO. I didnt dispute as at that time I was unable to make the payments

 

Many Thanks

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The apply for another time order now your circumstances have changed and suspend the ROGO

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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You can download form 03 from the scotgov court site

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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Thanks.. I let my other half give sheriff officers the car today.. MB say they will keep car for 7 days .. I am astounded at their determination to take the car.. I will apply for another time order if thats possible.. I cant believe how they act  

 



Moneybarn No. 1 Ltd
The New Barn

Bedford Road, Petersfield

Hampshire

GU32 3LG

12/03/2019


Dear Sir/Madam
 


GENERAL DATA PROTECTION REGULATIONS - SUBJECT ACCESS REQUEST
ACCOUNT /REF NUMBER: 

 

template removed - dx

 

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did you not read the first red bit.....

 

have you a copy of the ROGO?

 

the sheriff officers are simply carryout the sheriffs orders, nothing , as such, to do with MB.

9/10 MB haven't a clue what they are doing and make up their own rules, even court ones as they go along.

 

this sar will be very interesting because as it looks, there is not remit there for monies,? 

so they'll have to swallow all the charges not put it on your bill AFAIK in Scotland.

 

can you confirm that the ROGO was attained under a/the simple procedure claim rules and that this IS or is NOT the same claim number as 2017?

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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