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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.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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 Full and Final Offer Reponse? joint LLoyds OD bank account


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Hi,

Can anybody advise on this?

 

This is another debt Cabot are chasing it’s from an old joint account from before my divorce

 

it’s an outstanding debt for £486 and has to be paid,

old Lloyd’s account (3 years old) sold to Cabot

 

I received the letter from Lloyd’s along with Cabot’s first letter.

This one I wanted to clear up to finally get rid of them so offered them £250 full and final settlement to close the account.

 

I haven’t sent CCA as I’ve also been speaking with Lloyd’s

they sent me my original agreement but I’ve been arguing about interest and they sent to Cabot (not been a priory to me this one due to figure)

 

They sent this reply?

It seems very vague?

I am right in thinking this looks odd or has anybody received anything similar?

 

I can confirm that a settlement arrangement is now in place on your account for a final payment of £250.00, payment to be received no later than the 30th March 2018

 

I can also confirm that once your account has been settled, Cabot Financial will not sell the remaining balance, nor will its agents or subsidiary companies take any further action to recover or enforce the debt.

 

Please be advised that payment can be made via the following link https://www.cabotfinancial.co.uk/payment/validate or over the phone via Debit Card.

 

If you are making payment direct to our bank account please allow for 2-3 days when making your payment.

 

I have included our bank details below;

 

Please be advised our banking details are as follows:“

 

Any advice much appreciated.

Edited by dx100uk
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As this is so recent its tempting

Is this defaulted on 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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Yes, by Lloyds as they apparently didn’t have a forwarding address for me and the ex wife ignored letters (joint account) but just had enough of Cabot!

 

It’s taken 2 years battling a £6,000 debt which they finally they wrote to me (last week) confirming they couldn’t provide the CCA!

This is the final debt with them so would rather get this off the desk!

 

I just feel the wording isn’t very clear?

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so the debt is not in cabots name on the credit file yet?

 

and you settling it does kill the debt as its a joint debt, they could still go after your ex

 

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

Yes debt isn’t in Cabot’s name yet?

I have had a letter (from Lloyd’s) stating Lloyd’s have now assigned this to Cabot?

 

My offer is to settle the full outstanding?

 

However if they agree to just settle my liability I’m fine with that?

Edited by dx100uk
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yes but it doesn't remove you from further court cases sadly

it called joint liability

theres another thread here that explains it i'll find it later

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

Oh really?

I don’t understand?

I’ve asked that the account be closed and actually received this today..so I could still end up in court?

Thought this may be the end of it!

 

“ am writing in regards to the settlement of your account and apologise you did not get your questions confirmed.

 

I am pleased to confirm that we will accept £250.00 as final settlement of this account, payment to be received no later than 30th March 2018.

 

We would respectfully request that you contact us prior to the agreed settlement date, to confirm acceptance of the approved settlement offer. You can either call us on the number provided below, email us at [email protected] or alternatively write to us at Cabot Financial (Europe) Limited, PO Box No. 241, West Malling, Kent, ME19 4NA.

 

The relevant Credit Reference Bureaux will be updated to show that this account has a zero balance and is partially settled with us. Please bear in mind that this can take up to six weeks from the clearance of your payment. If for any reason your payment is not received by this date, the arrangement will be cancelled and the full balance will become due for payment.

 

I can also advise we will not pass this debt on to any other associate company or take any further action.

 

I trust that this is sufficient for your records and look forward to your reply.

 

Kind regards

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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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Share on other sites

Definitely a joint account?...not an authorised second user ? what type of account/debt is this ?

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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