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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Cabot have ignored my CCA request and passed my file to solicitor- help!!


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Hi all,

 

Over 12 working days ago I sent off a standard CCA request and cheque to Cabot, requesting that they send me proof of their ownership of my debt etc etc (I think it was a letter scarletpimpernel provided).

 

Today I received a letter from 'Hodsons' solicitors, based in Rugby, saying that they are instructed by cabot financial Europe limited to administer the account on behalf of Cabot Financial UK limited.

 

The debt appears to have magically grown by about £800 as well, so they must be providing an excellent service :wink:

 

The letter threatens that if I fail to agree terms for repayment within 7 days from the date of the letter they may issue proceedings for recovery with no further notice and prompt enforcement of anny CCJ will be pursued.

 

I am feeling a bit wobbly about this-

 

I know Cabot received my recorded delivery letter as there is an electronic signature recorded, and technically I know this means that having not provided my information as requested, they and their cronies can whistle for it. I'm also vaguely aware that it may even be the case that only the original creditor can pursue court action (can anyone confirm?), but I'm just not sure that the shaved monkeys at the typewriters have realised this while bashing out their meisterworks.

 

Could someone (or several people) please offer some advice on where I go from here? I had expected Cabot to send me their standard 'we are not obliged etc etc' letter, so this has thrown me a bit. I seriously do not want to go to court, I work in the defence industry and this sort of thing can affect my level of security clearance.

 

Please guys and gals- what to do??!

 

:confused:

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Have you sent the account in dispute letter to Cabot? if not I suggest sending it pronto, plus also fire this one off to Hodgsons, both recorded delivery of course

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number:

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in now in dispute for non production of my Consumer Credit Act request for a copyof the agreement as is my legal right under s.78

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

.

As Cabot are now in default of my Consumer Credit Act request I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to Cabot for resolution of these defaults and breaches, as you cannot lawfully pursue any enforcement activities.

 

If Cabot chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

Live Life-Debt Free

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Dear Sir/Madam,

 

Your Ref : xxxxx

 

Your Client : XXXX

 

I refer to your letter of xx/xx/2008, which was received today.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by XX DCA XX on xx/xx. I can only assume therefore that they failed to inform you.

 

Should your client now persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by XXX DCA XX under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

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There is no need to worry about the Sols letter, these are usually actually sent directly by Cabot in Kingshill. 8-)

 

If you were to SAR them, this will be confirmed.

 

They are just barking at the moment.. This is far worse then their bite:lol:

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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yeah dont worry they are just trying it on send the letter and sit and wait, cabot are in dispute and have no right to send it on to their socalled solicitors, remember without the CCA they cannot legally enforce the debt

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Make sure in your letter that you let Cabot know that you are making a formal complaint. The timescale for being nice to them is therefore ticking down as per their own complaints procedure, after which time you will be able to make an official complaint to all and sundry INCLUDING the FOS. Rather than wait for them to send you a copy, I have reproduced it here...

 

Complain : Cabot Financial Blog

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