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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Domestic Violence now left with Major debt - all in my own name


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I don't think you would be able to obtain any mortgage for a few years.  And then have a good clear period without any debt issues and  have good employment earnings level throughout.

 

Are there any Housing options in your area on a shared ownership basis, if you could fund buying the relevant percentage in the property ?

 

WWW.OWNYOURHOME.GOV.UK

Shared Ownership offers you the chance to buy a share of your home (between 10-75% of the home’s value) and pay rent on the remaining share.

 

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

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cant get anyone to agree a mortgage, even on shared ownership

 

what suggestions on debt?  what do i do / should i do about that?

 

Yes i have the equity if i continue with the sale, but then I will struggle to rehouse myself and my daughter.   do i set up payment plans? and then look to sell up in 2 years time? when the fixed rate has dropped off?

 

its so doodoo that women and men like me who have been victims, continue to suffer long after the perpetrator has moved on, and probably to his next poor victim, whom he will financially destroy too 

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The debts need to individually be investigated. We might be able to get them sorted or negotiate a small f&f with total removal from files . Poss halt sale yes 

 

I'll start later.

 

 

 

 

 

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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Is it similar to the following ?

 

 

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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yes, but todays is the response date.

 

I have set up a minimal payment plan online for now, as I need time to dispute the debt due to the financial abuse.  

 

the joke of it.... the call handler has had no training in DV or Financial coercive control, and asked me for proof! he has asked me if i want to dispute the debt and I have said yes.

 

these people have no idea how to handle this sort of stuff. 

 

so, after coming off the phone from PRA, they were most unhelpful. 

 

They refused to note my prevailing situation, and told me that the current position of my account is court proceedings.  However, as I have disputed the debt, they are prepared ro put my account on hold, while a specialist team make investigations to ascertain if the debt is mine. 

 

I asked how they are going to do that? Do they need access to my medical records or Women's aid? and they said they dont investigate that.

 

just a bunch of flowers if you ask me - advice? 

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WILL YOU STOP RINGING FLEECERS!!

never ever use the phone AGAIN on ANY DEBT

 

they LIE.

 

just follow post 2 of the letter of claim <<clickme thread.

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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why have you only just found this letter?

when was it dated?

 

 

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

send that letter 1st thing tomorrow wont hurt.

 

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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Share on other sites

fire everyone off a CCA request

 

ignore the current accounts debts owned by LInk totally 

 

have the DWP pulled your chain yet?

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

DWP using advantis? it's usually HMRC that use them.

safe to ignore advantis

 

 

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

yes it will by HMRC for child tax stuff.

if they've passed it to advantis, then they aint to sure of their claim.

quite a few threads here on 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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Well only deal with hmrc directly

for now, go up on the hmrc webite

type in sar

and get one running

 

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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Share on other sites

so just had an email from PRA, when i spoke to them yesterday, I advised them of my mental health condition, and how this worsened as a result of the domestic violence and financial abuse etc, and they have asked:

 

We would like to understand a bit more about your health and we've attached a Debt and Mental Health Evidence Form and Consent Form (DMHEF) to be completed by your chosen health or social care professional. This should help us know more about: 

 

 

what do I do?  they have also sent me and I&E form....

 

That should have said a budget calculator!

 

On 08/02/2022 at 11:39, dx100uk said:

yes it will by HMRC for child tax stuff.

if they've passed it to advantis, then they aint to sure of their claim.

quite a few threads here on it.

could you send me a link or two?  I have had a look, and google, and from what i can tell HMRC dont often get these cases wrong...

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You need to look in our HMRC forum they often get it wrong or not 100% right 

 

I didn't say use any search engine.

 

Goto the HMRC website 

In their search..type SAR

 

Simples.

 

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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Share on other sites

22 hours ago, Feelingdownandout said:

so just had an email from PRA, when i spoke to them yesterday, I advised them of my mental health condition, and how this worsened as a result of the domestic violence and financial abuse etc, and they have asked:

 

We would like to understand a bit more about your health and we've attached a Debt and Mental Health Evidence Form and Consent Form (DMHEF) to be completed by your chosen health or social care professional. This should help us know more about: 

 

 

what do I do?  they have also sent me and I&E form....

any advice on how i handle this?  they have given me 30 days to respond...

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none of their ruddy business ignore

 

 

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

as most have been sold 

thats quite probable

you never know why they were sold on.

 

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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