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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • 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.

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Cabot/Morgan Solicitors-Court Action (ex Goldfish account)


barns66
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Hi

i got 2 letters in the same envelope that was posted 2nd class from Cabot Financial 2 days ago,

 

 

1 letter from cabot informing me that i had to get in touch with them to arrange payments to them,

 

 

along with a letter from goldfish stating that they had sold the debt on to cabot,

 

 

I was under the impression that goldfish should have informed me before they sold the debt on,

 

 

I would appreciate it if someone can advice me on this matter.

 

 

Thanks in advance for any replies.

 

barns66

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Yep, I think you are in the right place. Just bumping your thread so some one with more experience will see it and pop in. :)

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Hi Barns66.

 

Yes, you should be informed but people don't always play fair.

 

Just to help others advise, can you give any further info:

 

I'm assuming the debt is a credit card?

 

How old is it?

 

Are there any charges?

 

I would also seriously consider sending a request to Cabot for a copy of the agreement. If Cabot do not have this agreement, they have no legal right to harrass you for payment.

 

Use letter N from the link below, with a £1 postal order. Send recorded or special delivery, keeping all receipts and a copy of the letter you send. Don't sign your letter just print your name.

 

CLICK!

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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My husband has been receiving phone calls from 1st Credit regarding his Goldfish account (he won't speak to them, just listens to the messages).These started before Goldfish informed him. In the letter from Goldfish it says that they have assigned his account to 1st Credit.not sure if thats another word for 'sold':) . So I am going to send a cca request off this weekend to 1st Credit and see what they come up with.

 

Shazza

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Hi Shazza. If you start your own thread post up a link here so we can follow it.

 

Good luck :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi

Thanks Hopeful + shazza for your replies,the credit card i have had for about 7 years.

Hopeful do you mean late payment chargers or chargers that cabot have added.I will get the letter for the cca this weekend.

 

barns66

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ANY charges - all can be reclaimed.

 

Start with the CCA though and when they respond we can take it from them. When you get chance keep reading around the forum to see what experiences others have had. It's amazing how much info you can learn :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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:) Have a read of this article. According to this, the whole sale isn't due to complete until the end of May.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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It probably has been rumbling on for a while, but it will take time for a new company to get to grips with everything.

 

The main thing now is to tackle Cabot.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Letter in post tomorrow and will let you know what they have to say.Thanks Hopeful for your help.

 

barns66

 

You're welcome :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 1 month later...

Hi just a quick update,i had a letter from cabot last week stating that the original lender is experiencing a delay in obtaining my information from their archives,got another one this morning it says that although 24 days have passed since your request,we hope to be able to send the information to you shortly.We shall remind the original lender that your information remains outstanding and should processed as a matter of urgency.We aplogise for any inconvenience you may have experienced as a result of this delay.The status of your account,your account shall remain on hold until further notice. barns66

Edited by barns66
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Hi just a quick update,i had a letter from cabot last week stating that the original lender is experiencing a delay in obtaining my information from their archives,got another one this morning it says that although 24 days have passed since your request,we hope to be able to send the information to you shortly.We shall remind the original lender that your information remains outstanding and should processed as a matter of urgency.We aplogise for any inconvenience you may have experienced as a result of this delay.The status of your account,your account shall remain on hold until further notice. barns66

 

Geez - an apology??!! I'd frame that :p

 

If / when they send anything scan it up for us all to have a look to see whether or not it's enforceable.

 

Well done so far :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Brilliant - file that very safely!

 

The ball is now in your court. Without an agreement they cannot chase you for this debt.

 

What's your plan of action now?

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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The best bit in my book is that you don't have to deal with the DCA :p

 

Now it is up to you how you go forward. By law you do not have to make any payments, as without the credit agreement the debt is unenforceable. It does not, however, mean the debt does not exist. If an agreement turns up at a later date, the debt could be enforced via court.

 

Alternatively, you could decide whether to make a full and final settlement offer. Obviously this depends on your financial circumstances.

 

You could make payments that you can afford.

 

If you choose 1 of the last 2 options, you should also reclaim your charges.

 

With all my charges claims, i have had all monies refunded to me in a cheque regardless of whether or not there was an outstanding balance.

 

:)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 4 months later...

Hi

Further update,received this from Cabot,they have sent me what they call the agreement this is not even signed it's just initialed and a letter on Goldfish headed paper saying that the debt as been assigned to Cabot but i had one of these in April stating that they had bought the debt,how can they buy it again see attached photos.

http://i169.photobucket.com/albums/u230/barns66/APPLICATION.jpg

http://i169.photobucket.com/albums/u230/barns66/assign2.jpg

http://i169.photobucket.com/albums/u230/barns66/assign1.jpg

 

They all say sent me what they say are T & C but i can't make out what it says.

http://i169.photobucket.com/albums/u230/barns66/TERMS1.jpg

http://i169.photobucket.com/albums/u230/barns66/10-19-2008023603PM1.jpg

http://i169.photobucket.com/albums/u230/barns66/10-19-2008023745PM2.jpg

 

Does this look right or is there something wrong with it.

 

barns66

Edited by barns66
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Hi

I had a thread in the general debt section about this,sorry if i should not have posted here,i have been dealing with Cabot after Goldfish credit sold the debt onto them, i sent cca to them and eventually received back a letter from them in late April or May stating that they could not locate my agreement and would put it on hold but keeping searching for it.Last Friday Cabot sent me what they call the agreement it's not even signed by them just initialed and a letter on Goldfish headed paper saying the debt as been assigned to Cabot,i had one of these in April saying the same thing, see attached photos.

http://i169.photobucket.com/albums/u...PPLICATION.jpg

http://i169.photobucket.com/albums/u...66/assign2.jpg

http://i169.photobucket.com/albums/u...66/assign1.jpg

 

They all say sent me what they say are T & C but i can't make out what it says.

http://i169.photobucket.com/albums/u...s66/TERMS1.jpg

http://i169.photobucket.com/albums/u...8023603PM1.jpg

http://i169.photobucket.com/albums/u...8023745PM2.jpg

 

Does this look right or is there something wrong with it.

 

barns66

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I cant read it but it looks like the usual unenforceable rubbish from goldfish,

 

Also interesting that the purported NoA from goldfish has the same font as cabot always use:rolleyes:

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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