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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.
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    • 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 Wanting CCJ over Cap1 Debt - NO CCA returned


Barney1966
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Hi first post here and would really appreciate some help/guidance

 

Description of the issue

Received a letter from Cabot (DCA) on 10/07/2015 threatening legal action, CCJ, relating to a Capital One Credit Card.

Letter was dated 04/07/2015 giving me 7 days to respond.

Amount being claimed is 4100

 

Last contact i had regarding this was in 2009 when i disputed the amount as i think it included loads of charges

which i knew nothing about, but never heard anything back so assumed they had written it off.

 

I've since moved house but

until 10/07/2015 have not received any correspondence from DCA for this debt in the 6 years i've lived at my address

so i assume they are trying it on as any debt would be or about to be Statute barred.

 

Quite concerned about the CCJ threat though as the letter was quite strongly worded.

 

 

After reading some of the debt forums I've sent a "prove it" letter this morning by recorded delivery

but from what i've read about this DCA and their solicitor Restons im inclined to think this will antagonize them and they will go ahead and try for a CCJ anyway.

 

I have a CCA request prepared to go tomorrow but could use some advice.

Am i doing the right thing?

And if they go for a CCJ how do i defend it?

 

Appreciate any advice i can get.

Thanks

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Wait for their response to the 'prove it letter' first.

 

And there is no need to waste good money or RD postage, you can simply obtain ''proof of postage'' which is free from the PO counter.

 

When exactly in 09 did you last have contact/pay towards this?

 

You're reading way too much into their puerile threat letters, they are simply designed to intimidate and exploit your lack of knowledge surrounding debt collection, nothing more, what they want is to force you to contact them.

 

When was this agreement first taken out?

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 the reply.

 

As far as i can remember i think any payments would have been about Aug/Sept 2009 - when i was disputing the charges. The card was taken out in 2001/2002 i think certainly no later than 2004 anyway.

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bet it doesn't say will anywhere.

 

shame you sent any kind of reply

that's the idea of these letters

they cleverly word them to get a response

 

please scan the letter up

following the upload

 

pers I'd go check you credit file and see if this debt shows

and the poss ring cap1 and ask when the last payment/ use was

 

 

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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Well as it was pre 07 they will need the original agreement in court to enforce.

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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Normally i wouldnt have - Had problems with DCA's before during a bit of a "difficult period" so am a little bit familiar with the types of letter they can send. Managed to settle with previous DCAs though. This one was much stronger than ive seen before. Will post up later today when i get home .

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settled with a dca...*cough*..hope you'd cca'd them first!

 

so by you post unless you are in Scotland

its not SB'd

 

sar always goes to the OC [Cap1]

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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DCA's are NOT BAILIFFS

they have no such legal powers

 

 

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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They have stated in writing that they "WILL" take action within seven days. That needs to be treated as a letter before action

 

You need to send a CCA request like tomorrow as they cannot enforce or litigate while in default of such a request

 

You need to be asking for a full statement of account as well

 

What does your credit file say as to when the last payment was made

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That's their new format letter read it carefully

Doesn't say they will do court in 7 days

 

 

it says the above course of action....

which is they intend to instruct a solicitor to issue court proceedings..

that does not mean the sols will follow that instruction nor recommend its the right action.

 

 

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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CCA them. They wont have the original agreement. They very rarely ever do. Especially on a debt that old, and chock full of charges.

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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Personally I would send them a cca request headed "I do not acknowledge any debt to yourselves or to anyone you claim to represent "

 

You seem to be only one to two months from SB

 

 

 

Send the SAR a sap to confirm the facts

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks for all the responses. really are appreciated. CCA will go tomorrow morning to be on the safe side and will sort out the SAR as well. Only problem with that is that i have no idea what the CAP1 account number is anymore. Does that matter or can they do this all on the addresses?

 

CCA has a request for Statement as well as Original agreement.

 

Ok checked Credit report. Everything looks fine.

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sar goes to cap1

have you moved since you took it out?

if so read the whole sar

you don't need the account number

 

 

as for the CCA request to cabot

quote their ref number

use a BLANK £1PO don't sign anything

 

 

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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Thanks ill sort out the SAR today - Re the CCA: Why a blank PO? wont they just send it back as not correctly filled in?

 

Need a bit of help with CCA - Which section should i be quoting? All three sectuons 77/78/79? or just s78? - Bit confused!

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Thats great - Thanks

 

This is what is set to go to them today!

 

Template removed

 

(please do not post copy of templates to the thread...they are for members only)

Edited by Andyorch
Section 78 removed
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They have stated in writing that they "WILL" take action within seven days. That needs to be treated as a letter before action

 

You need to send a CCA request like tomorrow as they cannot enforce or litigate while in default of such a request

 

You need to be asking for a full statement of account as well

 

What does your credit file say as to when the last payment was made

 

They can start litigation ( in order to avoid the SB problem ) but certainly cannot obtain judgment while the CCA request is outstanding.

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