Jump to content


  • Tweets

  • Posts

    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
    • and more immediate issues WT* is the UK doing. Ukraine needs these funds and weapons NOW Lets sincerely hope this isnt another Tory VIPal skimming issue.   MoD accused of ‘go-slow’ with half of £900m Ukraine fund unused | Defence policy | The Guardian WWW.THEGUARDIAN.COM Delays mean just £404m of the money donated by nine countries has been committed or spent  
  • 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/restons claimform - Next store card debt


linz17
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1933 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

The letter from Restons & says re: Debt Managers v yourself

It says it is .a Pre Action Protocol and amongst the mounds of included paperwork

Item 6' says Am I entitled to see a copy of the actual agreement

 

Answer NO The letter of claim explains that your liability is for money outstanding under a credit facility arising from a written agreement.........

However you are now not entitled to see a copy of any actual agreement you signed ie the agreement with your signature on it.

 

A creditor when requested can provide a reconstituted copy ie a template of the original, so please do expect to see your sgnature'

 

Now I know that they do not have a signed copy or otherwise because at the time of the debt (Next) they said they had never had a signature from me & if they sent me an agreement would I sign & return????? of course I did not but it was only verbal with the person on my 'case'

Link to post
Share on other sites

  • Replies 83
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

IS it definitely next they're bleating on about??

 

How long ago was it?

 

Have you checked your credit files?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Definitely Next, debt 1,150.00, Date of assignment says JUne 2016 & last payment March 2013, also they say 1991 first taken out Next Directory store card which is years out, 2006 at latest. I do not understand how these companies can buy a debt at reduced price then try and claim an amount that is higher/ I know for a certainty that I never signed anything.

Link to post
Share on other sites

Yes the next debt and the pap letter is the most pressing

 

Start a new thread in the financial legal issues 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... 

Link to post
Share on other sites

Not sure how to do that but will try!

 

shall I send a letter to Restons ( as detailed on this site reply to a PAP letter?)

I honestly do not know what they hope to achieve (apart from money paid at a low rate)

 

I am a pensioner with a disabled husband and am not interested in my credit rating as we do not require any.

If I go to court I know that I have not signed an agreement and Next know this also as I have said.

Should I send the letter & await their response?

Link to post
Share on other sites

I have received a letter from Restons re: Debt Management Services v Yourself

It is a Pre Action Protocol letter and requests immediate payment of a debt last payment in 2013.

 

In the letter it says credit facility agreement on or around July 29 1991 (which is a blatant lie, it was 2006.

 

I am informed that I do not have the right to request a CCA and that the debt was obtained on or about July 9 2016 by Debt Managers (in fact it had already been passed around agencies because NO CCA was ever signed.)

 

I know this for a fact, as when I had difficulties with repayment, the rep. at NeXt told me they had never had a signed CCA & if she sent one out to me would I sign & return (which i DID NOT)

 

. It was a store card & I have been advised by a cag member to open a thread in legal matters.

 

Any help greatly appreciated, the debt is about 1.3k

Edited by dx100uk
Spacing
Link to post
Share on other sites

Good well done

 

Can you scan up this letter where by restons say you cannot use a cca request please

 

Read upload

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

Pdf please read the guide

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

Point 6

 

Thats been in Restons PAP letter since Oct 2017...they have decided of their own accord to rewrite the CCA1974 and inform all their debtors that only reconstituted versions of credit agreements are available should they decide to comply to a section 77/78/79 request....but your not necessarily entitled to ask for it. :-)

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

Link to post
Share on other sites

Good ole Rectums, making it and winging it as they go along, silly fools, Also you've left identifiers on that document which need to be redacted.

 

I'd take that as their final opinion, and therefore ignore them from now on, send a copy of that silly missive to the FCA along with a complaint of their continued exploitation of a debtors lack of knowledge.

 

An agreement from 1991 WILL require an original agreement to be enforceable in court, they haven't got one, so no more correspondence need be entered into, log all of their harassment for future reference, and don't pay them a bean!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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

Thank you all so much for your help!

 

I am feeling better about this now, it was the no cca that frightened me, because I know it does not exist and the date 1991 which is totally incorrect.

 

Also I knew I am a bit thick but how do I redact the doc?

Link to post
Share on other sites

Read upload

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 month later...

Help again please!

I sent a CCa request to Restons - I know that a CCA does not exist.

No response except for a County Court Business Centre Claim against me.

 

I have tried to enter a defence but the 'password' given is incorrect.

Am I being exceptionally distrustful in thinking that Restons have sent me these forms as a threat?

 

When I entered the http://www.moneyclaim.gov.uk details it appears to be only a form of repayment centre! C

 

So I have no CCA, it is over 7 years old and under £1700.

 

Need I be as worried as I am?

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

Hello, After reading a thread I was directed to (cannot download it IT not brilliant)

 

I have sent a copy of my request to Restons for CCA,

attached a defence list,

age of debt/no CCa etc etc and

 

am posting this am tracked delivery,

 

on the claim form they submitted it vaguely says 'between 1991 & 2013' which is a total lie.

 

Have backed this up by my retirement dates and general time wasting facts

 

, I just cannot fathom how they can ignore requests for CCA & blithely, without docs & facts send it to a Business Court for recovery!!!!

Fingers crossed for me please!

Link to post
Share on other sites

Have you actually received a court claim for this from Northampton...difficult to determine from your postings what you are actually referring to ?

 

 

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

Link to post
Share on other sites

Prefer our Users to use the on line portal and respond through MCOL....far more secure and free.

 

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

Link to post
Share on other sites

The document is headed'Claim Form

' then box stating it is in the County Court Business Centre

 

then claim number issue date etc N1SDT claim form 04.14.

 

Then the form that I have is sent in .

 

I tried to register online but the password that was included would not take,

 

Strangely it went to Restons then dropped out !

 

I am assuming that it is a Court Paper???

Link to post
Share on other sites

So n1 claim from northants bulk court then..not restons

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

Sorry, this thread you mention is a different case &, how do I fill it in please?

 

Sorry to be so useless but ????

 

Also, will Restons have contacted this Court for the hearing, or is it just a financial transaction site?

It is shown as such, with payment arrangements.

 

Will I be 'judged in my absence' and it puzzles me that it is a Business Court & not small claims.

 

There is no CCA so how can Restons pursue it.

 

I apologise in advance for being stupid.

Link to post
Share on other sites

sorry wrong link

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**

 

its not a business court

its northants bulk issuing court

their 'business' is to issue bulk claims

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...