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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are 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. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. 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 credit Act 1974. 9. 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Cabot/Nolan SPC OLD Captial One Credit Card Debt


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Hi.

I am currently on similar predicament,

https://www.consumeractiongroup.co.uk/forum/showthread.php?479254-Arrow-Shoos-SPC-Old-NewDay-Aqua-Credit-Card-Debt-***Claim-Dismissed-no-DN***/page5

after reviewing all the posts and efforts to divert this debt I am in the thinking that there is only 1 outcome and that is to repay the debt in some form.

 

Is it possible to phone the original debt collector and arrange some kind of repayment plan, or should I simply fill in the C2 on response form for time to pay and send to the sheriff.

 

Thanks for all the information provided between the posters, but I don’t think there is any avoidance in paying these small credit card debts with this new Simple Procedure Notice of claim.

 

I don’t like giving up, so please don’t think that of me.

Regards

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NO!!

please start a new thread

of your OWN 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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Hello my first time in these forums and looking for some help/advice with a

letter i received in my door post box.

 

Letter just had my name written on it with no stamp and several Simple Procedure Claim forms inside.

 

Letter is a form 6A Simple Procedure Notice of Claim with the following details about the case.

 

Sheriff court - My Local Court

claimant - Cabot Financial UK Limited

Respondent - My name

Case Reference number - Number Included.

 

Also attached was Nolans Solicitors Card, saying that all documents should be sent to the court, and that all all future payment and NON court communications in respect of this matter must be made to this office quoting a reference number.

 

Last Date for a response is 22/06/2018

 

 

Issue Date: 21/5/18

Amount approx: £951.35

Claimant: Cabot Financial UK Limited

Solicitor: Nolans Solicitors

Original Creditor: CAPITAL ONE

 

Particulars of Claim: On 29/06/2015 the Respondent entered a Credit Card Agreement with Capital One under which the Respondent borrowed from them a sum of money repayable on demand.

The said agreement was an agreement regulated under the Consumer Credit Act 1974.. The respondent failed to pay as agreed on demand and is in breach of contract with the said CAPITAL ONE.

 

The said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 03/04/2017 and the claimants have advised the Respondent of same. The said sum of £951.35 is the sum sued for. The claimants have made frequent requests to the Respondent to make payment of the said sum but the Respondent has refused or delayed to do so.

 

Is the debt statute barred? No or unsure?

List any letters you have sent: None Yet

 

I have tried to list as much detail as possible

Any Communication would be highly appreciated.

 

Thanks

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Easy to deal with

I see you've found the sticky already well done

 

Ring cap1 and ask now last payment

Was this taken out whilst resident in scotland?

 

Moved to scotland 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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Hi.

I had no idea there was an England and Scotland Forum

sorry about that.

 

Live in Scotland and debt was created here in scotland.

 

I never got around to repaying any of the debt, but original amount was closer to £750 .

 

Thanks for swift reply

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No bother ring cap1 now ask last payment date

 

Also run thru this

And insure all in post 1 answers all required

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?475116-You-have-received-a-SCOTTISH-Court-Claim-What-you-need-to-do.-**updated-April-2017**

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

name the issuing court: Airdrie Sheriff Court

 

Who Is The Claimant: Cabot Financial UK limited

 

Who Are the Solicitors: NOLANS Solicitors

 

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

 

What is the claim for – Particulars of Claim:

 

1.On 29/06/2015 the Respondent entered a Credit Card Agreement with Capital One under which the Respondent borrowed from them a sum of money repayable on demand.

The said agreement was an agreement regulated under the consumer crediticon Act 1974..

The respondent failed to pay as agreed on demand and is in breach of contract with the said CAPITAL ONE.

 

2.The said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 03/04/2017 and the claimants have advised the Respondent of same.

The said sum of £951.35 is the sum sued for.

The claimants have made frequent requests to the Respondent to make payment of the said sum but the Respondent has refused or delayed to do so.

 

Last Date Of Service:- 01/06/2018

 

Last Date For Response:- 22/06/2018

 

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

This is the information from box E2

1. No Defence - No evidence required.

 

2. No stateable Defence (Rule 4.4 breach) - No evidence required

 

3. Defence on Prescription - Copy statement of account only. (Agreement must be addmited to plead prescription. So agreement not required.)

 

4. Denial of Agreement - Copy Agreement dated 29/06/2015

 

Generic Rule 8 Orders should never be issued.

The facts of each individual case must be considered.

It should never be appropriate to have to plead evidence such as assignations or default notices until/unless specific Defences are led.

The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be pled due to Omnia Praesumunter Rite.

 

Acta Esse (Trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419, 420)

 

Is the claim for a Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt - Credit Card

 

 

BOX D5 what has the claimant stated:

 

 

The Claimants request that the court order the respondent to pay the sum of £ 951.35

 

from your knowledge: answer the following:

 

When did you enter into the original agreement before or after 2007? may 2016

 

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. Debt Purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes

 

When was you last payment:- Never

 

Why did you cease payments:- Personal Issues and Poor debt Management

 

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? No

 

 

Since this has now gone to a sheriff court am worried what about the possible outcomes.

If i do not respond will how will the court affect me.

 

If i do respond and ask for time to pay, will i need to go to court or will it be done with and i just arrange payments?

Will the debt collector consider an out of court settlement at a reduced balance?

Im not concerned about about Credit scores at the moment, just what the court can do .

 

Looking to respond before weeks end and put an end to this situation.

 

Thanks

cabot-nolan new 2018 E2.pdf

Edited by dx100uk
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Did you ring cap1 up yet??

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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I would not know what to say to Capital One since debt has been passed over, i never got around to paying any installments to this debt.

thanks

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simply ring and ask last payment date

if as you say there were none

ask them the date it was signed/taken out

the court case is nowt to do with them so no need to mention anything to them

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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Well no way sb'd then

For the minute you sit on your hand but go read all the spc claim threads here and get familiar

 

form says take out may 2015? you say may 2016 no odds really

 

these are what you should have a read through.

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=procedure+spc+card&sa=Search+CAG

 

do NOT respond or do anything whatsoever without checking here 1st

also NEVER EVER converse over the phone with any DCA or their wolves.

 

oh and i'll give you a free giggle...they've used the WRONG 3a Form

the one they've used is for Pers injury or family claims

which specifically states its not for consumer credit claims.

 

now I suspect they've 'accidentally' done this on purpose

because it makes it read DN/NOA are NOT required in CCA regulated cases..

 

CAG has spanked them +5 times now on their belief that default notices and assignment letters are NOT required to prove a case

THEY ARE!!!!

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

Send a CCA request anyway irrespective.

 

 

Andy

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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You need to fill in the reply form too and send that with the cca request

Ill point to filling out the form 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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https://www.consumeractiongroup.co.uk/forum/showthread.php?476735-What-To-Do-Simple-Prodedure-Rule-Claims-Scotland

Read the above sticky

What you need to put on the response form is at the end

 

DoNOT change anyrhing of our example bar any pers details

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

Thread tidied

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

Going to fill out my reply form now, but must i make a duplicate copy of this form and also send it to the claimant also?

 

Reason i am asking this, as it states it on the Last Date for a response. Just double checking that i should send duplicate copy to the claimant as well as the court.

 

 

I have sent a CCA Request also, just waiting on a reply from them as they have received it on 7/6/18

 

Many thanks

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Nolans

 

Well you dont want a reply think 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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nolans not the claimant

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

  • 2 weeks later...

Hi

Received a response from Cabot in regards to my CCA request

 

They have thanked me for my request for information under the 77-79 of the consumer credit act 1974.

But say Unfortunatley currently do not have the relevant information on file, so will be requesting a copy of the credit agreement and terms from original lender.

They’d say this may take some time, it will write back within next 12 days.

Letter was send on 14th June.

I sent CCA on 6/6/18 and they received it on the 7/6/18.

 

When I send my response form tomorrow, should I attach a copy of this letter as proof of not being able To produce the information.

Or just send my reply as you have pointed out .

 

Thanks

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Thats a Template response..its on every Cabot thread were a section 77/78 request has been made.

 

They are now in default and unable to enforce the agreement (12+2)

 

Simply state the same in your response..

 

Andy

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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where in box d2 our example says

To date the claimant has failed to comply & is in default of said request.

replace it with wot he says^^

They are now in default and unable to enforce the agreement (exceeded 12+2 working days limit)

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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