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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.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Cabot asking for payment for LLOYDS TSB credit card debt.


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Hi,

 

I think I'm in a similar situation.

 

I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card.

 

The first letter was dated 19th November 2015.

 

Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78),

just a form wanting pesrsonal details and income/ outgoings.

 

I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge'

when I came across a similar thread suggesting that it maybe better to wait.

 

I have two questions,

 

the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and

 

two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage?

 

Is it simply to avoid entering into any form of dialogue with them?

 

Thanks in advance.

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Send them the following...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

Retain proof of postage and then wait for a response.

 

Regards

 

Andy

We could do with some help from you.

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Sorry, I was specifically reffering to the guidance given in this post........ 457637-cabot-chasing-5-year-RBS-loan-debt-debt-no-contact......... I am reasonably familiar with the CCA request route but was interested to understand the guidance given in that post. Sorry haven't posted enough to be able to insert a proper link.

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We could do with some help from you.

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So what do you wish to know in particular from the above thread ?

We could do with some help from you.

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Well the other thread appears to be suggesting to wait until Cabot sends something more substantial

than the current letters which say 'We have a bought a debt from LLOYDS/TSB and

so now you owe us the debt

and we'll make it so easy for you to pay us'.

 

 

I just wandered if it was worth sending them a CCA request at this stage.

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Well the " We Bought the debt " letter will be the Notice of Assignment ..therefore they legally own the debt now....the second letter is seeking your payment and financial position.

 

The letters and phone calls will continue until they get a response or an offer of payment.....so why not put them to task now..request the agreement...if they comply you are then aware that the debt is enforceable....and they could possibly issue a court claim.....

 

If they fail to comply...you can ignore any further communication/correspondence and get on with your life....in the knowledge it would be unwise for them to take this to the next stage.

 

Requesting your agreement has no effect on the Statute of Limitations

 

But its your choice.

 

Andy

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When does the ac originally date from, and how near, if at all, sb are you?

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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

 

No because that has no Legal Standing and does not place them in default of your request.

We could do with some help from you.

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Well if it is 15-20 years ago that you originally took out the card then Cabot are certainly going to struggle to comply

with your cca request

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Ok, understood, thanks. Is there a timescale?

 

All explained within the above link...time to comply etc.

We could do with some help from you.

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So letter and P.O. sent off. Coincidently I received a statement of account from Cabot today. It shows the date of agreement as 1st October 1984 and the date assigned as 2nd December 2013. Are these dates significant or not? Grateful for any help.

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Hopefully it will turn out that the ac was started after may19 1985, otherwise they only have to provide the current t&cs to satisfy your request

 

However that could be contentious in itself, since if they cannot find the original(which they won't be able to)

How will they then be able to prove that the account was started in October 1984?

 

Await the cca reply, could prove entertaining

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when was the last time you paid this card or used it?

 

 

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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Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.

 

Well spend some time investigating that as it may well be statute barred and if not it most certainly will be by the time you get a response to your CCA request :becky:

We could do with some help from you.

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might be worth a look at your credit file?

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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Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?

 

They should ...give them a ring or DSAR them

We could do with some help from you.

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Andy - just received last transaction information. On the 15th April 2009 two transactions took place on the account. Both were payments made to the account, one was for £1 the other for £201 pounds. That was the last time the account was active I assume. They also said that the account was placed into recovery on the 28th October 2009.

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