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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Cabot trying their luck for a very old debt! Help required please


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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
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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... 

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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

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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... 

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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.

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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... 

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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
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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
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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

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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... 

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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

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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

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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... 

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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... 

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Share on other sites

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