Jump to content


  • Tweets

  • Posts

    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
  • 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 trying their luck for a very old debt! Help required please


Maudymumfuzz
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2050 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

Hi all,

I have for the past few months been in dispute with Lowell regarding an old Studio account,

 

now because they now have confirmation of where I live

- they seem to have linked a really old account from Cabot (this was an old Barclays overdraft from over 10 years ago) which i'm sure we haven't made contact or payment on for well over 6

- however i can't be 100%. Is there a way of finding out for definite?

 

The first letter went along the lines of 'now we know where you live blah blah - you owe £***'.

 

Two weeks later another letter arrived saying we will accept £55 to clear the balance lol

- why would they do this?

 

is it because they know the debt is unenforceable and are out for any amount?

 

The debt doesn't show on any credit report.

.. what's the best course of action?

Thank you in advance

 

M

Edited by dx100uk
Spacing
Link to post
Share on other sites

You shouldn't be running away from debt

You run the risk of backdoor ccj'sif you dont update debt owners with your current address

 

Send them a cca request

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

Hi

Sorry I probably mislead there

– the letter read as if they now have confirmation of where I live…

we are certainly not running away from anything,

we have lived at our current address for a long time.

 

This is just an old debt, so old I can’t recall when we last made a payment and I just wanted to know where we stood legally

i.e. is it possible to find out when the last payment was made,

would a CCA request apply to a Barclays overdraft?

 

Thanks

M

Link to post
Share on other sites

no this is about a cat debt.

 

were you at this Address when you too it out?

have you sent any letters to them or the OC from where you live now

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 dx - this is the Barclays overdraft account, the original account was the cat debt (i was just explaining how the two are linked). We weren't at this address when we took it out but have communicated with them since we've lived at this address - it's just a long time ago.

Link to post
Share on other sites

you have written from that address?

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

I’d need to double check to be 100% but I’m fairly certain due to the length of time we’ve lived here.

 

Coincidentally I arrived home today to find a letter addressed to myself

- the initial one I mention here is in my partners name.

 

I also had a Barclays overdraft (was passed from the Woolwich - I never actually banked with Barclays!) and I’ve received a similar letter so it may just be coincidence.

 

Either way the debts are both originally Barclays now being chased by Cabot Financial, and both are extremely old.

 

The last time I recall paying is 2007 but I do remember communicating with them since then, it’s just been so long obviously and I didn’t expect to hear from them to be honest. I guess you should always expect the unexpected...

Edited by dx100uk
Spacing
Link to post
Share on other sites

Unless that communication was more recent than 2012 and an admission that you do indeed owe them the money it wont be relevant.

 

telling stories on behalf of other people as being in the first person then adding further stories that are about you does cause confusion so how about a proper timeline for the event, so I had an overdraft that I didnt pay off in 2007 or my partner had an overdraft......

 

then say in about 2010 I/he wrote to barclays...... on the xth of sept 2018 I/he got a letetr from caot stating....

 

if you have also had a letter about a different debt then keep that separate and create a timeline for that in a new paragraph

 

.By all means number them so we know that debt 1 is partners from catalogue , debt 2 is yours from barclays and so on.

 

They will all be slightly different even if Lowells are chasing them all

Edited by dx100uk
Spacing
Link to post
Share on other sites

Hi Ericsbrother

I'm so sorry - i really didn't mean to confuzzle anyone, it all seems to make total sense as i'm typing. I genuinely don't mean to annoy anyone - i so appreciate your time and advice even more.

 

So here goes - firstly:

#1 - this debt is in my partners name and the letter is from Cabot (I initially thought that they were linked to Lowell - and now i can't work out how to edit the thread title) this relates to a Barclays bank debt which was originally an overdraft on an account he no longer used after bank charge reclaim in 2007, he was trying to repay this initially but we relocated up country and hit hard times so unfortunately had to stop making payments.

 

#2 - this debt is in my own name and the letter is also from Cabot, also relating to a Barclays bank overdraft debt for an account which was no longer used after a bank charge reclaim in 2007. Repayments similarly had to stop when we hit hard times.

This evening I have actually found the original notice of assignment from Barclays which shows that they sold the debt to Cabot on 08/04/2011, I have the letter from Cabot to say they purchased it, and the debt amount is the same on the 2011 letter as it is on the 2018 letter which proves that no payments were made in that time as i suspected.

 

I can't however locate the same paperwork for my partners account but i'm pretty certain its the same scenario and that no payments were made either.

 

I'm also rather puzzled as to why they wrote to say they now have confirmation of our address - i found letters this evening dating back to 2013 so they have had our address all along!!

 

So where do i go from here? Are the debts too old for them to pursue?

 

Thank you again and sorry for the messy posts :-(

 

M

Link to post
Share on other sites

was this a joint account?

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 #1,when did he stop paying?

#2 statute barred so they can go whistle

what do the letters from 2013 say and which account do they relate to? If they acknowledge recipt of payments then that account is not SB Telling us about this under the heading of #1 or#2 would have made it clear rather than leaving us guessing what you are referring to again

Link to post
Share on other sites

Hi again,

 

In response to dx - no these are two completely separate accounts...

 

In response to Ericsbrother -

#1 - I can't be 100% certain but I am fairly sure he hasn't made payment for well over 8 years, I will have another dig for paperwork this evening but i am pretty sure because we wouldn't have been able to pay one without the other. The money we had from bank charge reclaim went on relocating so we didn't even benefit as such from that really.

 

#2 - The letters from 2013 are addressed to myself (sorry i didn't add the detail before :-( i'm not doing very well am I) - and oddly says ' Cabot has recently bought the account, etc, please contact us asap to arrange payment', I received 2 of those and heard nothing more until now.

 

Do i need to send a letter regarding it being Statute barred? I don't want them adding this to my credit record all of a sudden :-(

 

Please let me know if you need any more info and i'll try to be clearer.

 

M x

Link to post
Share on other sites

they cant add it

the OC defaulted the debts years ago and they have been removed

 

send them our SB letter from the debt collection section of our library then.

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

Cant hurt

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...