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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 - chasing +£25k unsecured Sainsbury Bank Loan - No CCA produced yet!


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Hi,

 

I have a debt (approx £25k) that defaulted on Apr 2103 that is being chased by Cabot. I have not made any payments on this since 2013 to either the original lender or Cabot.

 

I have recently requested the CCA from Cabot and they acknowledged the 12 day time limit before temp unenforceable and as they would have to request from the original lender they anticipate not being able to provide it within 12days and hope to have it within 40 days.

 

They said that in unlikely event they cant produce within 40 days they will write to me again.

 

40 days passed around a week ago.

I am unsure what to do next as it does not look like they can provide the CCA and have not written to me as they said they would.

 

What should I do next?

I am tempted to make a silly F&F settlement offer so it is not hanging over me.

 

Any help appreciated.

Edited by dx100uk
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you do nothing.

 

whats the debt all about?

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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with who and when full details 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... 

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Share on other sites

so RBS then as Sainsbury bank didn't exist then.

 

puzzled as it must have been above £25k? the initial loan?

then its not covered by CCA and must have been secured?

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

so RBS then as Sainsbury bank didn't exist then.

 

puzzled as it must have been above £25k? the initial loan?

then its not covered by CCA and must have been secured?

 

All paperwork had Sainsbury's headings etc.. Loan from the Sainsbury website at the time.

 

£25k initial loan (Dec12) over 5 years - Now £27,200.

 

Definitely not secured.

 

£25,000 – is the highest unsecured amount you can borrow

 

Andy

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good all works out then

 

so why did Sainsburys sell on a loan of that value when they could have crushed you in court?

they only got

 

what went bad ?

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

I had some medical issues which made it difficult to work. It was all a bit odd as the largest amount I owed and they (Sainsburys) were really good, very understanding, no hassle, put it on hold for 6months at a time before selling it on. A lot smaller amounts were chased very aggressively by DMCs.

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you mean DCA's

DMC's manage your money for you and should be avoided at all cost when their are free charities out there that do it for nothing!!

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers

 

looks like you've been cash cowed blind on the rest and were blindly talking to them over the phone before..

oh well you know better now.

 

ok the loan..

lets hope the CCA doesn't come else you can see cabot taking this all the way..its worth the gamble for a possible +£25k win in court

 

get an sar running to Sainsbury bank now

the more info you can get

the better prepared you will be IF that happens.

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

retitled and moved to other institutions forum

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

Sorry yes I did mean DCA.

 

I wouldn't say I was cash cowed on the rest as I didn't pay them a penny (I couldn't, I didn't have anything at the time), and I did speak to them on phone or email but always got agreements confirmed in the post.

 

A couple of examples of F&Fs were 2x10% (MBNA/Capital One), 2x14% (HSBC), 1x24% (RBS) so I don't think I did too bad.

 

I have put a SAR into Sainsburys. I will let you know when I hear from one of them next.

Edited by dx100uk
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better at it than what i think you are then.. clever cookie then well done.

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

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