Jump to content


  • Tweets

  • Posts

    • 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.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Debt strategy needed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1698 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 
I’m looking for some help with my debt.
Normal story of everything ticking along nicely and then my pregnancy coincided with my partner having some serious mental health issues.
He lost his job.
We thought we would use credit cards to see us through and it all snowballed. 
 
We have been making minimum payments but the situation recently got worse and I’ve already had one debt defaulted and passed to AIC. 
 
I have three main creditors.
 
£9500 Amex credit card.
Opened 2014 
Defaulted and card closed. 
Sold to AIC 
I’ve ignored all communication 
 
£9500 MBNA
Opened 2017
Will hit 3 months non payment on sept 7th and threatening closure then 
 
£7000 Barclaycard 
Opened around 2003/2004
Will hit 3 months non payment on sept 17th and threatening closure then 
 
02 phone contract £350 sold to ccs collect
I’ve ignored all communication
 
1300 overdraft from Barclays Bank (recently halved that from 2600)
Barclays is my my only bank account 
 
Questions 
Is it worth me asking for a CCA from the two accounts that were opened in 2014 and 2017. What would I achieve by this? 
 
I think it is definitely worth Asking for a CCA from the Barclaycard. I actually originally had a Barclaycard gold and then they shut that card down and automatically sent me platinum would that affect the agreement between us? I never agreed to anything for the new card. 
 
I’m trying to work on an overall strategy. My credit is shot already as the American Express card has defaulted and closed. 
 
Should I let the other cards default as well? Then ignore the debt companies, hope that no one takes me to court and that my credit clears in 6 years or is that too risky? How likely are the companies likely to try and put CCJs against me? I really don’t want those. 
 
Is it sensible to try and keep one line of credit open as it would make my credit score easier to rebuild with one positive credit card. Or is that pointless and just tackle that in 6 years when the defaults drop off. 
 
Regarding my overdraft. Barclays is my my bank and my mortgage is with them as well. What are they likely to do? I’m happy to make payments but they won’t let me setup a payment plan without doing a full income expenditure report. I don’t want to do that as it feels invasive plus my financial situation is complicated. In theory my personal income is 0 as I have a 3 month old baby.
 
Thank you in advance for any help 
 
 
 
 
 
Link to post
Share on other sites

Hi and Welcome to CAG

 

Best to start a seperate thread for each debt in the appropriate forums otherwise it will be impossible to follow this thread.

 

Regards

 

Andy

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

Link to post
Share on other sites

Thanks Andy. I will post on the appropriate forums with the specific debts.

 

I guess I’m still interested of anyone has any advice on looking at my situation as a whole. 

 

As my credit rating is now rock bottom due to defaulting on one card is there a strategy that makes sense on defaulting on the other two now and hoping that I can make six years without getting ccjs against me. Or is that a hopelessly naive and optimistic idea? 

How likely are these debts to go to court? 

The other option is trying to scrap along making minimum payments.  Which I’m not sure is possible or not. Or I suppose setting up a payment plan of some kind?

 

Also so would it help my future recovery to have one credit card still in use or will it not make that much difference? 

 

 I would like a clear overall plan In my head. Rather than just ignoring everything which is what i have irresponsibly doing before. 

 

 

 

Link to post
Share on other sites

Well one default is as bad as having six.....so if its time to take action do it with all of them.If you can keep one out of default and easily maintain the payments then do so....but dont spend on it.

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

Link to post
Share on other sites

AIC or CCS collect are not debt buyers...

who are their stated clients please?

 

 

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... 

Link to post
Share on other sites

then you deal with the original co NOT some powerless DCA!!

they are NOT BAILIFFS.

 

why don't you sent our pro rata letter in the debt collection section of our library to those debts you owe that are STILL with the original company.

very low sum <£10

 

your mortgage is top priority cut the rest to ensure you keep anything like CTAX/mortgage etc paid up properly

ALL other consumer credit debt is bottom of the pile.

 

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... 

Link to post
Share on other sites

In my opinion, just let the cards default, let the statute barred clock start ticking.  Potential court action might be years away, or never, by that time your finances may well be in a better place, plus you can defend it and likely win.  However, it's very important to keep them updated and always make sure they have your current address.

 

Some might disagree with me here, but that's what I did, and eventually you come out the other side.  Priority Bills are everything right now, none of those consumer debts are important in comparison.   For example speaking from experience, getting behind on Council Tax (5k!!) caused me far more of a problem than any consumer debt ever did.

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

Link to post
Share on other sites

Thank you so much everyone for taking the time to reply. I really appreciate it. Debt feels like such a dirty secret so it feels quite liberating for being able to talk about with people. 

 

Thankfully I am basically up to date with my priority bills. 

 

I think I am going to continue ignoring the two debt chasing companies. I’ll take the advice given and send a letter using the template on here offering a small payment for the two cards that have not defaulted. I’ll expect them to  both default and be sold on but at least I can say I offered to pay. Then see what happens next. And that means the clock to statue barred starts going as London1971 said. 

 

I’ll definitely make sure my address details are up to date. I’ll update this thread if there are further developments or I think of any more questions.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...