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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
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Cabot chasing providian card debt - Unenforceable CC


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Hi did a CCA request to Cabot and had a letter back from Cabot about 18 months ago saying credit card debt was unenforceable but still obliged to repay - stopped paying and did not hear anything further

 

They have just started ringing me and writing asking me to contact them re paying off debt - I have not contacted them

 

Any advice please - should I be doing anything - anyone know why the contact after such a long time Thanks!

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Hi did a CCA request to Cabot and had a letter back from Cabot about 18 months ago saying credit card debt was unenforceable but still obliged to repay - stopped paying and did not hear anything further

 

They have just started ringing me and writing asking me to contact them re paying off debt - I have not contacted them

 

Any advice please - should I be doing anything - anyone know why the contact after such a long time Thanks!

 

Probably just testing to see if they get any response, before passing the debt onto another DCA.

 

As they have this down as unenforceable, pointless responding.

We could do with some help from you.

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who was the OC?

 

 

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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Make sure you log all those calls and report them for harassment, this outdated method of attrition should be outlawed by now.

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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Hi thanks for your replies

 

The OC was Providian

 

Just thought I'd add that I have another unenforceable with Cabot (Barclays)

and in that case they have said they won't pursue collection but this does not count as a write-off

 

Thing is that letter is from Cabot Financial Europe but the Providian letters are from Cabot Financial Marlin - are they different ?

 

Yes thought I would not respond to their letters etc

- just wondered if there had been any rule changes about unenforceable that has kicked off the new contact attempts

Thanks for your help

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they are all part of the same group.

 

 

so it was an old monument card then, which went to Providian and then Barclaycard.

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

2003? Def ignore it.

 

 

very likely long statute barred plus an UE CCA.

 

 

They know it,

you know it,

 

 

but since you keep responding to them and for some ungodly reason PAYING THEM.....

 

 

they have you marked as gullible.

 

 

Keep a log of all times they try and contact you,

 

 

then get off a full complaint to them and the FOS.

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

:D

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2003!!

they are having a laugh!!

 

 

so this is another one of your debts you were blindly paying thru your DMP

that you cancelled?

 

 

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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Yes you are spot on - not only paying but Cabot also added on loads of interest in one lump sum to the Providian account a few years ago which meant the debt was much more than when they bought it !

 

That got me thinking about my DMP etc and eventually found this site which has been brilliant at helping me sort things out - so glad I found it - thanks for everyone's help

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When the original agreement is terminated, the DCA cannot add on anything. IF all paperwork comes back as fully valid ( wont happen with cabot), then you pay the ORIGINAL amount at termination, and not what cabot says.

 

If a dca tries to add on anything, then you need to complain loudly as its not allowed. Many dca's do this and claim it as a simple admin error. The fact is its not an admin error at all, but part of their main business practice.

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

:D

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they added interest because they saw you were a cash cow

 

 

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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