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    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. 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. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
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Help with Cabot - Santander current account overdraft and credit card


jims45
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It depends what it is in their Privacy Notice. They will pass details onto Anti Fraud agencies... But there is a secret market you might not know about...

All the big CRAs have products available to lenders which stores application data and then that information is available to other companies accordingly.

 

I had this once with Experian... I applied for a Tesco Loan at the time and my info was given to Experian in one of their products.

A DCA then used this information that had been stored at Experian to start spamming me with RoboCalls.

The DCA admitted & fessed up to it. Experian complaint yielded no results and referred me to Tesco who then said its in our Privacy Policy that we share information with 3rd parties.

 

But whats gone on... Whats made you ask this?

 

We could do with some help from you.

 

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explain more jim 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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bank account varying balance is a give away but they cant see all that.

they cant see what you see

 

so why is this an issue?

are you worried because you have money that a dca might chase you?

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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Not yet but I have been reading up on DCA's and preparing myself for a battle with the nice folks at Cabot. They are currently leaving me alone so I have been doing some research, knowledge seems to be the key to avoiding the cash cow status:wink:

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ok

ive merged this with your existing cabot thread

better in one place then we don't have to ask q's already here again.

 

once you have the sar return.

things will be clearer

 

just because you might have money

makes no offs to a DCA

they couldn't careless

 

the automictic threat-o-pc will still spew out its garbage.

 

please never forget the golden rule...

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers.

 

if you really did owe that money

why didn't satans bank take yo to court?

why sell it on for 10p=£1? to a debt buyer....

 

think about it...…….

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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Thanks for your responses and apologies for posting in the wrong place. Santander have acknowledged my SAR request so I'm curious as to what that will show up. I see the point Santander would have tried to enforce the debt themselves if they thought worth pursuing:wink:

I'm starting to relax a little now:humble:

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Cabot have written to me stating the credit card debt is unenforceable also as the original lender does not have the relevant information:oops: They also state they cannot comply with my CCA request at this time.

I notice they have entered details of these debts on my credit file even though the debts are disputed I guess nothing can be done about that. I will be sitting tight and awaiting the SAR from Santander (if anything arrives).

Seems my Christmas will not be ruined after all:whoo:

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good another cash attempt thwarted.

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...
good another cash attempt thwarted.

 

Update on this: SAR from Santander has arrived most of which I don't understand however it does confirm Cabot bought the debts. There is a copy of an online bank account application with no signature and an illegible copy of a credit card agreement dated 2008 with a very poor signature that does not match the signature on my passport.

Both accounts show significant charges. Is the credit card agreement enforceable as there is confirmation it has been forwarded to Cabot.

Thanks and Merry Christmas to all:-D

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dunno have we seen it yet?

 

dx

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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bogroll

 

go enjoy the holiday period

nothing to see here..move along.

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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no they've no provided anything

what you got in your SAr you keep to yourself!

 

dx

  • Confused 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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  • 4 weeks later...

Had another letter from my friends at Cabot.

 

When I originally wrote to them I stated that I had no assets and various health problems.

 

I informed them that as Cabot were unknown to me they were causing me a lot of stress.

 

This has triggered an "investigation" and today I received a letter enclosing various print outs of CC statements and a copy of the previously uploaded illegible CCA agreement for the credit card (nothing related to the current account).

 

The enclosed letter informed me of the outcome of the "investigation" and requested I supply confidential medical reports from my GP to confirm my medical issues and that I fill out an income outgoings report. The letter also states that both accounts are unenforceable!

 

I intend to place these papers in my file marked Cabot and ignore them but as always advice is appreciated. Interestingly the CC statements all show PPI payments:roll:

Happy New Year to all:-D

Edited by dx100uk
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Debt buyers requesting personal medical records.....whatever next :oops:

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  • 5 months later...

Update, new tactic from Cabot??

After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking.

 

Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile).

 

Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect).

 

I deleted the message and blocked the sender but I am curious as to what this ploy is.

 

I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock.

 

Have any other Forum members experienced the secure message approach?

Thanks in advance.

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Doesnt count

ignore

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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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nope.covered by the original agreement you signed.

  • Like 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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