Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot/Nolans SPC Claim - old LLoyds Loan ***Claim Abandoned***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1709 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 73
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Tell us about the debt please

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... 

Link to post
Share on other sites

Sorry, it's a lloyds tsb loan £1100 opened in 2009 and the default is mid 2013.

 

Cabot only appear on my credit file 11 months ago. It was originally Moorcroft with letters late 2013 not sure what happened in between.

Link to post
Share on other sites

Why did you cease payments?

How much are they trying to fleece you for?

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... 

Link to post
Share on other sites

I had lost my job at the end of 2012, receiving JSA.

 

I had a few creditors all of which I was giving token payments too

then I started getting letters from debt agencies,

 

I ended up moving to another area for work and just sort of put it at the back of my mind... :(

 

The amount owed is 1100 (plus the threat of courts fees etc)

Link to post
Share on other sites

Have you ever written to your creditors and told them you'd moved?

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... 

Link to post
Share on other sites

Opps

So what you have is in fact a phishing letter

They are hoping you don't red

One then they'll serve it to your old address

 

Now, were all your runaway debts taken out whilst you were resident in Scotland first please

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... 

Link to post
Share on other sites

They were yes, I'll still get wind of anything going to that address. I am on the electoral roll at this address and on my credit file due to a joint account with my wife.

 

I'm not really sure what I expected to happen, been most naive.

Link to post
Share on other sites

No that's all OK

Court summons must be served in person up here unless there are exceptional circumstances

So they can't get a backdoor degree

 

Now

Does the letter actually say will anywhere?

I bet it don't

I intend to to go to old man o sky this fall

If I do is a totally diff matter

 

Just remember

A DCA or their fake/tame solicitor s are

NOT BAILIFFS

And have no more legal powers than you or i

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... 

Link to post
Share on other sites

  • 1 year later...

No this is your 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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

name the issuing court: inverness

 

Who Is The Claimant: Cabot

 

Who Are the Solicitors: Nolans

 

What type of action? (Simple/Ordinary): simple

 

What is the claim for –

 

on 10/11/2009 the respondent entered a fixed-sum loan agreement with Lloyds TSB BANK PLC under wich the respondent borrowed from them a sum of money repayable on demand.

 

The said agreement was an agreement regulated under the Consumer Credict Act 1974..

The Respondent failed to pay as agreed on demand and is in breach of contract with the said Lloyds TSB BANK PC.

the said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 24/06/2016 and the claimants have advised the respondent of the same.

the last payment was made to account on 12/02/2014 the said sum of £ 1109.69 is the sum sued for. The claimants have made frequent requests to the respondent to make payment of the sad sum but the respondent has refused or delayed to do so.

 

type out ALL the text [minus pers details] [D4 BOX SPR FORM]

 

Date of agreement 10/11/2009

 

Ref Number ****

Unpaid balance: £1109.69

 

Repayment on demand.

 

NOTE THE EXACT WORDING IS EXTREMELY IMPORTANT TO YOUR CASE SO GET IT RIGHT.

 

Last Date Of Service:- 14/12/2018

 

Last Date For Response:- 04/01/2019

 

What Documents are listed in Box E2:[or in your form requesting the same?]

 

1. agreement dated 10/11/2009

 

the debt is for a Loan

BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay to them the sum of £ 1109.69

 

from your knowledge: answer the following:

 

When did you enter into the original agreement before or after 2007? after

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Sold to Cabot

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I knew it had, don't recall any notice of assigment

 

Did you receive a Default Notice from the original creditor? not that I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so

When was you last payment:- i'm unsure late 2013

 

Why did you cease payments:- lost job

 

Was there a dispute with the original creditor that remains unresolved? no

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I had originally used stepchange for a while

Edited by dx100uk
format
Link to post
Share on other sites

Go ring Lloyds and ask the last payment date please

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... 

Link to post
Share on other sites

I've called lloyds and the automated system says my details are for TSB and gives me the number for them but the details aren't recognised there.

 

I guess i'll just need to find a better number, am I better speaking to a human on the Lloyds bank side or the TSB side. I'm not really sure how the split went.

Link to post
Share on other sites

Can be a pain

Keep trying

Just remember the harder it is for you to findout..it will be double that aggro for cabot!!

 

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... 

Link to post
Share on other sites

I have to go to work now, but i'll give it another shot on my break.

 

I had a look through my old statements and the last I can see I sent money to lloyds was FP 24/10/13 . I can see a payment to moorcroft 07/02/14 but I can't recall what that was for....

 

eek

Link to post
Share on other sites

That in the ballpark then given say a few days to clear..

God why were you blindly paying moorcroft..they dont even buy debts just chase...

 

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... 

Link to post
Share on other sites

I had set these up while I was living with my parents, they were phoning at all hours and it was worrying them. So I just tried to stop it, I know better now sadly.

 

 

My dad would often email me the odd letter they sent and it seems moorcroft was for another Lloyds account. I'm still not having much luck contacting Lloyds.

 

I had an overdraft with them too and that's currently showing on my credit file as still being owned by Lloyds themselves. Will I be shooting myself in the foot contacting them?

Link to post
Share on other sites

no cant reset anything

 

you don't have to do anything on this till after the new year

4th jan

 

however im conscious that as that's so close to the holiday period you might totally forget this!!

 

take your time

go get that info

you've even got time to send a free sar to various places like Lloyds

tsb etc etc

and still get the info back time to respond to the claim.

 

but whatever you do.

YOU DO NOT UNDER ANY CIRCUMSTANCES contact the fleecers or their dogs nolans.

 

be aware that you MUST take extra care with nolans in not revealing email or phone numbers to them in anything you send do or say.

nolans are masters at pulling crafty stunts like sending important docs purposefully late by email and claiming legal service by email is ok or even by phone

or even sending fake spoof letters goading you into believing what the court says or soes it wrong.

 

your best way to kill them dead is to prove this debt is statute bared

cabot always forget Scotland is 5yrs extinguished dead gone parrot.

 

read the numerous spc claimform threads here already in this Scottish forum

the more you read the stronger we become.

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... 

Link to post
Share on other sites

I eventually got through to someone who could help, seems i'm with TSB.

 

She said the last payment she could see was 06/06/13 but since it was "written off" she couldn't see anything after that advising that she would put me through to collections to see if they knew anymore, then of course the call died and i've been on hold for a while now.

 

I can see that I made that later payment in October though and digging through emails I seem to have had two different moorcroft numbers but I seemed to be making payments to only one. which one though, I don't know but I have a very bad feeling...

 

I will send off the SAR to TSB today and I have been reading similar threads for an idea of how this will work.

 

Just gotta keep positive!

 

I appreciate all your help

Link to post
Share on other sites

well done keep digging.

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... 

Link to post
Share on other sites

I got through to collections who passed me onto recovery and as far as they can see the last payment was june 13 for £2 and the balance is zero so i'm sort of at a loss as to where to look now...

 

I know I did send another £2 after that, and it never got returned so that's a bit ominous. I can't really go ask moorcrap..

 

I guess the SAR will maybe shed more light, hopefully they respond quickly.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...