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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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Dryden/Cabot Financial threat-o-gram re Capital One


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Hello All,

 

I'm not sure where to ask this question so move it if it's in the wrong place.

 

I have a defaulted account with Capital One (last payment 1/10/10)

 

it has now been bough by Cabot and the have re defaulted it from 1/11/15.

 

Is the correct and ok to do?

 

I know Cabot are diddley so want to be sure?

 

Surely if it was already default, they can't re default it??

 

Thank you for your help

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  • 1 month later...

Hello All,

 

I was hoping to pick your brains...

 

I have received a letter from Drydnsfairfax.

 

"We are instructed by our client, Cabot Financial (UK) limited. to commence legal proceedings

against you in the County Court unless you contact us within 14 days of this letter."

 

It goes on to tell me how I can pay etc.

 

I am aware of the debt and it being with Cabot.

The last payment made was in 2012 so not SB, but it is on my credit history as a default.

 

What will happen if I ignore this?

 

Thank you for your help

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whats the debt please who was the original creditor.

 

 

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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opps cap1

 

 

what other threat-o-grams have you been getting

 

 

have you ever sent them [cabot] a CCA request?

 

 

have you ever received a notice of assignment from cabot?

when did cap1 sell the debt 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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that's ok easy sorted: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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so last payment was around oct 2010 so not statute barred

what other letters have you been getting?

 

 

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

coming up to sb date and they want to chance their arm then.

 

 

you could cca request them.

 

 

whats the defaulted date that cap1 registered not the fake cabot one

 

 

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

  • 3 weeks later...

there is not direct link between defaulted date and SB.

 

 

SB on a card will when they first 'could' have gone legal.

typically that's after the first missed payment

though we air on the cautious side sometime and add another month

 

 

so what date did cap1 register the default?

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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not a bad idea , info gathering is the key

 

 

no harm in ringing cap1 either

 

 

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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  • 2 years later...

Hello all,

After hearing nothing for just over two years on this one, I have started receiving letters again.

 

It started in May with a letter from Cabot saying they have tried to contact me several time (I have received no other letters etc so assume they have called but my phone blocks negative rated calls) to discuss my account but are now referring it to Mortimer Clarke Solicitors.

 

They (Mortimer Clarke Solicitors) promptly sent me a badly mail merged (gaps where dates should be) letter telling me Carbot had obtained a judgement against me.

 

Yesterday I received an "oopsy, made a boo boo" letter saying they had infact been instructed by Cabot that this was incorrect and they apologise for the error...

 

Question is, what sort of letter do I reply with?

 

I tried a "this is statute barred" type letter two years ago and it seems to have been conveniently forgotten!

 

Thank you for your continued help and support!

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if statute barred and you already told them and it is actually statute barred then you could refer with copy of original letter, also a letter pointing out that it is and if they dispute to show how they get to that reason? do not do their job for the, sure others will respond also!

:mad2::-x:jaw::sad:
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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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Wow..so you too.

 

A simple admin mistake ???!!..as they said to me.

 

As you can see from my thread I got apology and compo..I asked for (and got) £40.

 

But as this isnt a one off......Im going to escalate this issue to the SRA.......I wonder how many others there are ?..and more worrying..how many took it at face value and made payments ?

 

Heres a thought though Ive recently had......maybe dont respond to them and if they should ever start a claim against you then show the court the paperwork that says they've already got judgment against you...this should confuse things and the court would ask them what they are playing at ? :)

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