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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Cabot/restons Claim form - old Vanquis card debt


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Hi,

 

Just received a county court claim form on behalf of cabot financial, the solicitors are Restons.

 

This is a first for me,

never dealt with this kind of thing before,

honestly dealing with debts has been a struggle,

so maybe i shouldnt be surprised

but for £330 im a bit suprised but it is owed,

 

my questions if possible

 

Can i offer an agreed amount with the solictors to start clearing?

Or is it a case the whole amount is owed and im screwed i guess is the word

 

I was made redundant 4 weeks ago so this is not the greatest of timings

 

.How do i proceed,

im not going to disagree with the claim as im fairly sure the debt is valid

its just myself who didnt organize my debts properly that led to this.

 

So do i accept the claim, then contact the solictors etc?

Edited by dx100uk
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no you don't give in and pay them

 

I've moved you to the legals forum

lots of wins against restons here already..

 

can you complete this please

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(2-Viewing)-nbsp

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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Cabot Financial (UK) Limited

 

07/03/2018

 

The claimant claims payment of the overdue balance from the defendant(s) under a contract between the defendant(S) and vanquis dated on or about aug 27 2015 and assigned to the claimant on jun 30 2017

 

Paticulars a/c xxxxxxxxxxxxxxxx

 

DATE 29/01/2018 DEFAULT BALANCE 330.18 POST REFRI NIL

TOTAL 330.18

 

Amount claimed 330.18

court fee 35.00

Legal representatives costs 50.00

Total amount 415.18

Date 29/01/2018 default balance 330.18

 

I received no prior notice

 

The claim is for a credit card overdue balance

 

after 2007

 

The claim has been issued by the assigned Debt purchaser

 

I was aware Cabot gained the account at some point, cant remember an exact date though

 

I have not recieved any default notices

 

No notice of default sums

 

I just couldnt afford life, its been a crazy two years on all levels.

 

Date of last payment april 2016 though it was on an old bank account thats closed.

 

No disputes

 

With regards to aknowledgement, moneyservice etc..do i need to do this?

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can we have the particulars of claim as written verbatim please

minus the A/C number

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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All there is..

 

The claimant claims payment of the overdue balance from the defendant(s) under a contract between the defendant(S) and vanquis dated on or about aug 27 2015 and assigned to the claimant on jun 30 2017

 

Paticulars a/c xxxxxxxxxxxxxxxx

 

DATE 29/01/2018 DEFAULT BALANCE 330.18 POST REFRI NIL

TOTAL 330.18

 

Then on the other side

 

Amount claimed 330.18

court fee 35.00

Legal representatives costs 50.00

Total amount 415.18

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opps you should never moved and no inform all your old creditors/debt owners that show on your credit file

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

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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and the rest of it!!

do NOT miss your defence filing date WHATEVER happens or comes or not..

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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Dx,thanks for your help in the above,

 

Besides the cca and the cpr, what do i then proceed with,the outcome is to stop the proceedings in court is the end game, what else should i provide

apologies for the ignorance in advance!

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do all as in post 7

once that's done

time to get reading up!!

 

1000's of threads in this 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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Afternoon DX, The cca has been sent off to cabot and the CPR 31:14 to Restons.

 

Regarding my defence.. Is this the template of what i will soon be putting in my defence.

 

Ive been reading the threads, im tech savvy but when it comes to law and its aspects im a rabbit in the headlights!

 

The below is that my defence?

 

The claimant claims payment of the overdue balance from the defendant(s) under a contract between the defendant(S) and vanquis dated on or about aug 27 2015 and assigned to the claimant on jun 30 2017

 

Paticulars a/c xxxxxxxxxxxxxxxx

 

DATE 29/01/2018 DEFAULT BALANCE 330.18 POST REFRI NIL

TOTAL 330.18

 

Then on the other side

 

Amount claimed 330.18

court fee 35.00

Legal representatives costs 50.00

Total amount 415.18

 

Defence

1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is noted. I have in the past had financial dealings with [original creditor]. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.

 

3. Paragraph 2 is denied. I do not recall receiving any Notice of Assignment from either assignor or assignee pursuant to the Law of Property Act 1925.

 

4. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has declined to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show and evidence that a Default Notice was issued pursuant to sec87.1 CCA1974;

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have declined to comply to my section 78 request and remain in default and with regards to my CPR 31.14 request. Therefore the claimant in their none compliance to my requests have frustrated my attempts to clarify their claim and against pre action protocol should be considered when the question of costs arise.

 

6. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.

 

8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief

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https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=The+claimant+claims+payment+of+the+overdue+balance+from+the+defendant(s)+under+a+contract+between+the+defendant(S)+and+vanquis+dated+on+or+about+aug+27+2015+and+assigned+to+the+claimant+on+&sa=Search+CAG#gsc.tab=0&gsc.q=The%20claimant%20claims%20payment%20of%20the%20overdue%20balance%20from%20the%20defendant(s)%20under%20a%20contract%20between%20the%20defendant(S)%20and%20vanquis%20dated%20on%20or%20about%20aug%2027%202015%20and%20assigned%20to%20the%20claimant%20on%20&gsc.page=1

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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  • 3 weeks later...

You go read like threads...

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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ideally like everyother user here you post up your proposed defence

we check it and you file it..

 

however you seem to be operating upon the assumption that ...i'll do this..then i'll tell you ...then you'll help me.......urm....

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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  • 3 weeks later...

I read the threads what you asked me to,forgot to post here beforehand,id already looked a dimwit asking what to do!

 

Restons since my defence being filed have responded in a letter,

 

They state in the letter regarding the credit agreement with Vanquis. Noting i would of been sent statements of accounts, i failed to keep up the monthly payment. In brief!

 

The final part says "In view of the information set out in this letter, we do not believe your defence has any real prospect of success and we will therefore recommend to our client that an application be made to strike out the defence and enter a judgement against you for the full amount claimed together with legal fees and costs. Should you wish to avoid these further costs being incurred then we invite you to withdraw your defence by completing the enclosed Form N9A and returning it to this office in 14 days"

 

"Alternatively our client is prepared to consider any reasonable settlement proposals you may wish to put forward to resolve this matter amicably and avoid continuation of this litigation, Please contact this office in the next 14 days if this is of interest to you"

 

They sent me the 31.14, However i still have nothing from Cabot regarding the cca i sent them

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yea old std begging/discount letter

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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we normally hope by this stage of a claim and a month into it starting - users had exercised the right to self help and know what to do by now by reading like threads rather than making an assumption...

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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Okay this is my current thought after reading threads.

The last entry on Mcol is defence recieved. No aknowledgement.

 

From what i have read i do nothing until Restons decide to proceed or not.

28 days after the defence is recieved if im right.

So for the time being i will not contact restons.

 

Can i clarify something, If no CCA from Cabot arrives in that timeframe.

Does that make impact to what restons will then attempt to do with regards to pushing further.

 

Their cpr they sent back looks exactly like a few other threads ive read besides the address!

Surely all requested documents need to be back before they can proceed?

Edited by dx100uk
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once you file your defence they have 28 days to do 'something' else the claim gets auto stayed

and it will cost them more fees to progress things.

 

and unless they produce slam dunk enforceable everything you don't ever respond to anything they send.

 

if the claim does move forward it will be by an N180 from THE COURT to YOU

 

yes ofcourse they will need to produce all of the required paperwork you requested

at disclosure stage [witness statement] IF IF IF they go that far.

 

with the letter you have

that's what I used to call willy waving [to frighten you and make you blink first] but i'm not supposed to use that saying so I've yet to think of a new one so apt....: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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Last hope hotel for a term or looking for the unicorn's horn DX? A letter offering a discount at a late stage could be either of those.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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From Cabot today

 

"We're still processing your request, we have contacted the original lender for the relevant information, as we havent yet been able to provide you with the information you have requested, your credit agreement is unenforceable until we are able to reply to your request. This means we are not permitted to obtain a judgement or decree against you in court"

 

The rest is basically " while we cant take legal action against you we ask you to repay this amount and yu will still recieve calls and letters. offer a payment plan, affecting credit rating etc etc

 

So thats a good thing? unless however vanquis holds it

 

Edited-The cca request, apologies should of put what id asked for

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