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.
    • 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

Being chased by debt collectors for a vet's bill


T C B
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 643 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

Its just come to my attention that a friend has been getting pressure from a company called ACT credit management.

They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form.

This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.

 

I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair. 

 

Thanks in advance

Link to post
Share on other sites

Who is the service provider?

 

IS it leccy gas water??

 

What income does your friend have, WHO set up the repayments, your friend or these clowns?

 

How are they making the payments, DD cheque, standing order?

 

No one, less for a judge, can request to see I&E forms, although  depending on what figures were talking about they may help in limited circumstances.

 

Name names  and figures please.

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Yes, I think it will be helpful if you simply lay out the entire story in a bullet pointed chronology.

If you want good and detailed advice then you have to give us a reasonably detailed account so that we don't have to ask any questions

Link to post
Share on other sites

Thanks for your response

Emergency vet bill. I don't think they've bought the debt judging by the way they word the letters

Value is about 2k, Paid online monthly. 

Original arrangement was set up over the phone a couple of years ago. They call every month and refuse to drop the payment to a reasonable, affordable amount.

 

No problem filling out an income and expenditure form i just don't think asking form evidence is reasonable.

 

Thanks again.

Link to post
Share on other sites

I'm sorry, but that's really still not a very understandable story. You are simply abbreviating things.

We asked for a bullet pointed chronology – and that's probably what we need. Just as an example, when you first laid out the story, it sounded as if you are dealing with an energy company. Now it seems that when dealing with a vet.

You don't need to make this hard work for yourself or for us.

Please just lay out a bullet pointed chronology of events from the beginning to the end. Not too much narrative

Link to post
Share on other sites

i was gonna say i bet this is a vets bill

it's ACT's favourite food along with bogus private school fees.

 

just remember the red bits below my post

and no they are not entitled to any of that info on their I&E forms!!

 

 

  • Like 1

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

10 minutes ago, dx100uk said:

i was gonna say i bet this is a vets bill

it's ACT's favourite food ...

 

 

 

😃😄😄

Link to post
Share on other sites

Thanks for responses.

 

The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider

 

The answer provided in respect of the income form is great.

 

The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.

 

Thanks again 

Link to post
Share on other sites

pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't

and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason.

they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.

 

cut the DCA of totally

ring up the VETS and set up an affordable repayment schedule with THEM directly

but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.

 

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

A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.

 

Please don't be vague about any details that you give us if you want help.

Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently

  • I agree 1
Link to post
Share on other sites

  • BankFodder changed the title to Being chased by debt collectors for a vet's bill

And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused.

It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want

Link to post
Share on other sites

Please keep us updated

Link to post
Share on other sites

  • 1 year later...

I just wanted to update this thread...its been a long time!

 

I submitted an SAR and the content I got back was unbelievable and quite shocking!

Internal emails with very derogatory remarks about the account holders financial position and the passing of a relative.

lots of admissions regarding coercive and intimidation behaviour by the firms agents and in particular lots of references to fees being applied to the account.

 

I proceeded to put questions to them and ask for information in relation to the fees.

 

To cut a long story. They have refused to provide further information but have wiped the debt which was several £k. which is , to my mind,  an indication that they are in water they don't like.

 

I am not happy to let this go as I feel they need holding to account and i want to know how much in fees they have added.

 

Who do i complain to? The FCA?  they referred me to the CSA but I doubt they'll have any teeth

 

Thanks in advance...Tim 

Link to post
Share on other sites

Not a lot you can do.

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...