Jump to content


  • Tweets

  • Posts

    • 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.
  • 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/Morgan Solicitors-Court Action (ex Goldfish account)


barns66
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4070 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 Hadituptohere,thank you for all you help.i will keep looking through the site and try to understand all the legal points that are raised.I am a lost at the moment.Once again thank you.

Link to post
Share on other sites

  • Replies 631
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi,can anyone tell me if this of any significance,Cabot + Morgans state that the account the date the account

was purchased was the 11th April 2008 but as shown i received this document from showing a date of 30th

November 2007.Would the account not have been assigned on that date.I do not understand why suddenly

i get a notification about the change of name from Kings Hill (No 1) I have never dealt with them.It as come

to my attention that Kings Hill (No 1) accessed my credit file and amended something there are they allowed to do this

 

66.jpg

 

 

 

 

barns66

Edited by barns66
amendinng
Link to post
Share on other sites

You could say that it all depends on what the rest of the document says barns, they may have produced a document that legally binds them to purchase all bad debt accounts for the year???? this document is unlikley to tie in with your assignment and can be highlighted in your witness statement, kings hill was the name that cabot used seven years ago

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites

In my own case Cabot produced as part of their witness statement a document which covered their name change from Kings Hill to Cabot and at the time I wondered why they did this given that my account was way after their name change.

 

IMO it looks like they rely on such a blanket sale type document which does not offer any information on a specific account, in order to "prove" ownership of any accounts bought from whatever OC is involved.

Link to post
Share on other sites

In a press release today a high court judge in wales slated MBNA for torturring a defendant with incessant phone calls and wrote off a card balance of over £20,000 because they failed to supply terms and conditions at the time of signing. This at least proves the banks and government have not got control over all the judiciary yet.

G

Link to post
Share on other sites

Hi Hadituptohere,thanks for your reply,it was in the bundle they sent when i sent my CPR request for the assignment ,i will include it my witness statement,along with other documents i find.Once again thank you for your help.I would be lost without it.

 

barns66

Edited by barns66
adding
Link to post
Share on other sites

I also think that spam's hit the nail on the head re blanket sale type document that they try and pass for yours mine and mickey mouse's accounts.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites

Hi,thanks everyone that's posted on my thread,with excellent info.Have u to wait untill Cabot/Morgans send me there discloure list, before i can apply to them to see the orginal agreement and not the copies they keep sending.Once again guys thank you for all the help.

 

barns66

Edited by barns66
adding
Link to post
Share on other sites

You need to collect your disclosure together, dont worry it wouldnt be much, have a look through all the documents cabot have sent you over the years..

And yes you need to wait to see what they send then request to view the originals.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites

Hi Hadituptohere,thanks you for your help.i have been searching through the raw data they have sent me.I have found a few differences betweenn what they sent to court and me with the amended POC.I have received 2 different lots of t/c's neither very clear to read,on the same data sheets,it clearly shows they had been requesting t/c's for some time,they got a reply there where non avaliable,strange as they had sent me 2 lots.I have not yet spotted a account number they claim is in the same data.Once again thank you.

 

barns66

Link to post
Share on other sites

Hi.i need some advice,i had a phone call this afternoon from lady,she said she wanted to speak to using my name,i asked what she wanted to talk to the person (being me about) she said to talk about a finacial matter,i told her i did not talk on the phone about finacial matters,i asked who she was calling on behalf,she the began to get a bit flusted,i pressed her and asked who she was,she gave me her name and said she was mediator and want to arrange a meetingto discuss this.I can only think it can be Cabot or Morgans that she was acting on behalf.I told her i was busy at the moment and could she give me a number to call her back on tomorrow morning.If it is Cabots/Morgans,should i call her and arrange the meeting to see what it is all about.I know the court papers advice both parties to try and settle this matter.Thank u in advance for any adivice.

 

barns66

Link to post
Share on other sites

Hopefully someone with more experience on these matters will bob in and give their opinion :|

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites

Has the court ordered or recommended the use of a mediator, if so you will have had to give times of availablity, contact details etc.

Google the contact number given to see if you can find out who has phoned.

Take care about giving any information, it could be a fishing ecercise to find out the strength of your case etc.

Link to post
Share on other sites

Hi Cyrumu,thank you for the advice,it just says on the court papers that before the 15th March that both sides can attempt to settle the dispute,i have put a link on here to the document.i will find it out again and take another look, but no i do not think it mentions mediation.i will google the number,as she seemed flusted when i asked for any details.Ihave found the court papers and it reads " (1)The parties shall by Tuesday,15th March consider whether the claim is capable of being resolved by Alternative Dispute Resolution and (a)if either party considers that the claim is unsuitable for Alternative Dispute Resolution,that party shall,not less than 28 days before the date fixed for the trial,serve on the other party a witness statement giving the reasons upon which that party relies in saying the claim is unsuitable"

It then goes on about what happens then

 

barns66

Edited by barns66
Link to post
Share on other sites

Hi cymrua,i am very suspicious,i have checked to find the number,either i missed a number of the area code she gave me,or she did it on purpose,Morgans have called me before and always explained what they wanted,she seemed very flusted when i asked for details.Will check again in the morning.Once again thanks for your help.

 

barns66

Edited by barns66
adding
Link to post
Share on other sites

Hi,i have traced the phone number,it is a Hull number,i have no finacial dealings with any one or any company there.I think i am going to leave calling the number,she was far to evasive when asked for any details.I think that either Cabot or Morgans would have informed me that some one would call me.

 

barns66

Link to post
Share on other sites

Hull is Wescot-land

 

Hi cymrua,thanks for the information,i will wait to see if they send me anything,i can not see what for though.It's bit underhand them calling and trying to pass them selfs of arbitrators.If i do get anything from them,i will start a new thread.

 

barns66

 

barn66

Link to post
Share on other sites

Has the court ordered or recommended the use of a mediator, if so you will have had to give times of availablity, contact details etc.

Google the contact number given to see if you can find out who has phoned.

Take care about giving any information, it could be a fishing ecercise to find out the strength of your case etc.

 

Hi,ireceived a letter this morning from the lady that called last week. Mr,********** my name and address.re:Yourself V Caabot Finaacial UK

I am a mediator and have been asked by the National Mediation Helpline to mediate in the above matter which i undersatand is currently in the *************** County Court.

 

The reason for my call to you on 8th March was to ask if you would be prepared to try to settle the dispute through mediation.This involves an informal 'round the table' meeting betwen both parties and myself.My role would be as a neutral referee.There is a fee involved,If agreement is reached then potentially expensive court proceeedings would be halted and the meeting would conclude the matter.I intend to telephone you in a few days to see if you are interested in taking this route and i will answer any queries yu may have.I have sent a copy of this letter to Cabot Finances.

I do not understand if i have to go to mediation,have Cabot alerted the mediator and want to go there,i am ask this as it says she will send Cabot a copy of the letter.I am at a loss what to do and what the coct implications are likely to be.Any help would be appreciated.It looks with the letter ahead she is a genuine mediator.I will post a copy of the letter when i get scanner up and working.

 

barns66

Link to post
Share on other sites

Hi,i have not heard nothing back yet from the mediator or Cabot/Morgans.I will start to prepare my disclosure list.It is a amended POC,could anyone advice me what i should include in this and what documents i should ask for.I think i shoud ask then to make the agrrement and t + c they are relying on,plus the Assignment when it was signed and what type it was.Any advice would be appreciated.

 

barns66

Link to post
Share on other sites

Hi,

 

If she is suggesting a mediation meeting then she should advise you of the cost. It's usually based on a percentage of the amount in question.

 

If you are broke, and can prove it, you may qualify for free mediation through LawWorks.

 

You can check this lady out on www.nationalmediationhelpline.com I've just had a look and I cannot see any accredited members in Hull. There may be other mediators who are not members of this organization, but personally I would insist on someone who is accredited here if you want to go to mediation.

 

DD

Link to post
Share on other sites

Hi Daniella,thank you for your advice and link,i have checked on te site and can not find her name on there.her postal address is a village near to Beverley,thas close to to Hull.Once again thank you for your help.I think i will have to prepare my disclosure list,any help advicing me what i should include would be welcome,or do i just diclose what i did before.

 

 

barns66

Edited by barns66
amending
Link to post
Share on other sites

Hi,i have heard back from the mediator and been given the costs that would be incured,fee to be paid up front,they are going to get back to me on Monday to see what i want to do,i was told that the claiment is willing to go along with this.I wonder if anyone thats is experinced in the prosses can give me some advice,if it is a good idea before they call again on Monday.I have only had the documents fro the creditor that i have posted on this thread.I know from them that they have not yet found any t + c's for the account as yet..Thank you for any advice in advance.

barns66

barns66

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...