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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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cabot/MBNA card Debt - Begging letter received om Mortimer Clarke


jasmineuk
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Just a quick question. I'm pretty sure my MBNA account has only had £50 charges (and that was recently - 2 late payment charges). Do MBNA pay up fairly quickly or should I not waste my time pursuing £50? If so , do I write to Chester with a cheque for £10 for my statements?

Jas

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Sorry I didn't mean to sound so cavalier about fifty quid! Do I send the request to Wrexham or Bolton (which is where to send payments)? And when claiming, do I inclu the £10 its cost me to get details of their charges?

Jas

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  • 10 years later...

this charge, is the house jointly owned?

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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Yes, we jointly own the house but as tenants in common so my half only is affected, so I believe.

 

Our house has had few repairs done over the past 8 years and it isn't worth much more than our mortgage. What happens if my half of the equity isn't enough to pay off the charging order? Interest is accruing on the debt at 8% p.a.

 

Are my debts which Cabot are trying to claim from me enforceable?

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so its a restriction k which means all you need to do is inform them AFTER the sale..though on them theres no money left..

 

as for the enforceability

time to get some CCA request running for each one!!

 

I would gather that by that comment you've been reading around

and the penny has dropped that these DMP companies never check the enforceability of any debt

esp those sold for peanuts to debt buyers

 

and you are sadly realising you might be a multi debt cash cow to these powerless DCA's??

they are not bailiffs..

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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  • 4 weeks later...

surely you mean CCA requests not SAR?

 

 

are you sure its MBNA named on your charging order

and NO there shouldn't be ANY INTEREST unless the judgement allowed it

something smells here

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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Sorry, I did mean CCA requests. My apologies.

 

The charging order is in favour of Optima Legal but it concerns an MBNA credit card. I thought that charging orders carried an interest rate of 8% per annum?

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its not a charging order though is it

its a restriction K

which ive talked about before

 

pers id stop paying that too.

theres no need

 

if companies that you sent CCA requests too have FAILED to responce in 12+2 WORKING days

you can stop payments too them.

 

that's why I said dump payplan totally

  • Confused 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... 

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Sorry, I did mean CCA requests. My apologies.

 

The charging order is in favour of Optima Legal but it concerns an MBNA credit card. I thought that charging orders carried an interest rate of 8% per annum?

 

Charging Order or Restriction are merely to secure the judgment...there is no financial amount or interest attached to the Order...the judgment defines what you pay.

 

 

Regards

 

Andy

  • Confused 1

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  • 2 months later...

More history please. What does it relate to. When was the agreement taken out?

 

Edit: just seen its 03. Nope. Not enforceable at all. Although youd need to send a CCA request, not a SAR to check if they actually do have a full copy. SAR will rarely ever make them look for it

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Where's the rest of the SAR?

 

Oh and that's a tiny bit of an application form, not a CCA.

 

Have they had the full 40 days in which to supply all the documents?

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!

 

 

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had to hide the attachment too

as you've not redacted it properly like the other one

we can still see your name address etc.

 

 

you say that came from an SAR to MBNA not the CCA request to the DCA?

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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what ever paperwork you get from the OC is immaterial

the DCA must comply with the CCa request

and by the looks of what MBNA has its bog roll.

 

 

got any penalty charge [£12] and PPI in those statements to reclaim?

 

 

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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Sorry, I thought I'd hidden my details.

Yes, it came direct from the OC.

I got nothing from the DCA.

 

No, I have already checked.

So MBNA and Yorkshire have no say in what happens with the DCAs?

If that's the case, aren't the DCAs stuffed?

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you're learning ....:lol:

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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  • 3 months later...

Help!

 

I've posted before about my debts and had three written off (or almost - they say they aren't enforceable but would appreciate me making further payments!). I have one outstanding for an MBNA credit card. It went to Court quite some time ago and Optima Legal Services got an interim charging order against my property.

 

I wrote to Optima Legal Services in June, asking for documentation which I had signed and received no reply.

Then the other day I got this letter (attached) which says that they have not received my payments

(I cancelled Payplan and stopped paying some months ago).

 

 

I sent a CCA request to Optima Legal Services twice, on 29th April and 26th May this year,

once to their address shown on the interim charging order and the other to the address I found on Google.

 

This letter I've just got threatens further court proceedings and advise that a full charging order will be put against my house,

meaning that the debt has to be repaid in full when I come to sell my house.

 

They want a payment of £60 for the arrears which my wife wants to pay to get rid of them but is this the right thing to do?

I've not had any responses to my letters so not sure if I should reply to theirs?

 

Jaz

IMG_20171014_0002.pdf

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Too late for a CCA request. The debt issue was decided by the court and a charging order was obtained. The CCA is now irrelevant.

 

If you don't pay the £20 per month it says was agreed, they could in theory take it further if they wanted, as they have a charge against your house.

 

Did the court tell you to pay £20 a month ?

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Thread moved to Financial Legal Issues Forum.

 

Jasmineuk, I've unapproved your Attachment, could you please remove all identifiers including Reference numbers.

 

Thanks.

Any advice I give is honest and in good faith.:)

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Too late for a CCA request. The debt issue was decided by the court and a charging order was obtained. The CCA is now irrelevant.

 

If you don't pay the £20 per month it says was agreed, they could in theory take it further if they wanted, as they have a charge against your house.

 

Did the court tell you to pay £20 a month ?

 

No, Payplan decided how much all my creditors got and I wasn't consulted on that.

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If you are not paying what was agreed, the debt owner with the interim charging order can apply for a final charging order and then if necessary ask a court to consider an order to sell your house to pay the debt. Not saying this would happen, but given the debt amount, you might decide that you don't want to take the risk, when £20 a month is keeping them happy. Remember that if there is further court actions, they will add on costs and you will regret not having maintained payments.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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