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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.
    • 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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    • 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.
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Equifinance Secured Loan


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Hi, I hope you can advise?

We took out a secured loan 3 years ago, and unfortunately fell behind with our payments and have always been trying to play catch up since.

 

Today I received a statement from the company and on it it states £8000 in charges.

I am shocked, is there anything we can do about these charges or claiming some of it back?

 

Thank you

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yes they are unlawful and reclaimable at their int rate

 

 

name names 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... 

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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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How much was the initial secured loan for and when did you take it out mizzbabyjess ?

 

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

 

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Hi, the initial loan was for 10,000

It was taken out in 2012.

The statement states:

Total Amount of Charges ( in relation to shortfall) £8,133.93

It also states that whilst the account remains in arrears, a management fee of £40.00 plus interest will be charged each month.

I have brought the arrears down to £1728

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Then its covered by the CCA1974 and is a regulated agreement.

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

 

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Depends...have you ever requested a copy of the agreement using section 77 of the CCA1974 ?

We could do with some help from you.

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Lets leave the claiming to one side for a moment...do you already have a copy of the agreement?

 

If not then as above I would advocate sending one...this puts them on notice that you are looking at the position and how you stand legally.

 

If they do not respond...that will put you on the higher ground...if they do respond we can look at the agreement and the terms and conditions of said agreement in conjunction with your DSAR (which you should also be sending) with view to a possible reclaim.

 

Are you still paying the monthly contractual amount....and how long left to run?

 

Andy

We could do with some help from you.

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Well if you do the section 77 request as advised we will have all the information to hand and then be in a position to look at options...as it is you have nothing so you cant formalise a plan to do anything.

 

Come back when they/if they respond...template is in the Debt Collection Library ...the fee is £1 all the instructions are included in the PDF.

 

Template for the DSAR is in the DATA Protection Library...fee is £10 all the instructions are included in the PDF

 

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

 

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:thumb: when you start to get responses..post back here and we will formulate a plan

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

 

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  • 1 year later...

hows this one going?

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, because of personal circumstances I have only just been able o start looking at everything again,

 

over the last year this went quite badly and was threatened with eviction,

I managed to lend the money to pay off some of the arrears and enter into a payment plan, but the charges are excessive, so I need to get on to this.

 

My only concern is they have a suspended possession order, could they turn nasty with me if I start asking questions?

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no they are not allowed to take retaliatory action

 

CCA and SAR are legal rights.

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

  • 1 year later...

Hi,

I hope someone can give me a bit of advice.

 

I have a secured Loan with Equifinance the total which currently stands at £19k

I have had the loan since 2013 the original loan was for £11k

I have over the years fallen into difficulties, but have always managed to repay my payments.

 

However I was looking to refinance last year as I had financial problems,

I found someone who said they could complete the refinancing clearing my debts including Equifinance, 

 

to cut along story short I was completely duped and taken in and after paying out over £4000 to the company no refinancing came about,

to be perfectly honest money was taken from me under extreme circumstances and I foolishly believed this person.

 

because of the awful circumstances I found myself in,

Equifinance had an eviction order which was for last October 19’

my parents lent me a lump sum of £3800  and the eviction got cancelled, and I have just paid another lump sum of £3000. 


I have requested a redemption statement.

i was really shocked.

 

Equifinance have charged Accrued Interest of £11, 906

A total charge for credit £10,341

Fees & disbursements £7,382

 

I have paid back so far £22,524

can I claim anything back from Equifinance as the fees & interest seems high.

 

Thank you

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got all the statement from day 1?

if not SAR

 

yes you can claimback all the fixed sum penalty fees letter/arrears/debt collection/missed DD/late etc etc

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

you will need the statements to workout if anything reclaimable caused additional interest.

if they did then we have spreadsheets to calculate that.

but regardless eitherway, you are entitled to the statutory interest.@ 8%

 

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

pers i wouldnt use email

you have no papertrail should this need to be escalated to say the FOS or whomever.

 

 

 

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

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