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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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CABOT chasing ex littlewoods barclaycard debt


mysticpols06
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I have a photobucket how to as well as the pm i sent you if you need it.

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Ok kinda hopin this works - if not will try again lol

 

woohoo! Fox i lurves ya!!!! Cheers hunny xx

Edited by mysticpols06

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

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I was going to wind you up with a "you're stuffed" but I wouldn't do that to you :grin:

 

As far as I can tell with that pile of pants, it's UNenforcable. No prescribed terms.

Others will come along and probably tell you the same (I hope)

 

fox

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Cheers cym as well - ok - now i know how to do it will upload the other bits they sent as well yay! thanks xx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Ok thats it other than some copy statements & 'representations' of notice of assignments. didnt know if need to upload those for peeps to see as well? Thanks sooo much for patience with the photobucket thingy ha ha...Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Can't quite see if the T's & C's relate to the "agreement" as there is nothing to link them together. What are the scale of charges on the t's & c's.

Is there any dates on the other papers. as you signed the agreement in 03, the T's & C's should be either 02 or 03. Any later than that then they do not comply.

 

By the way, you said last night that your scanner was having a hissy fit. Did you perhaps have a senior moment and forget you had a camera? :D

 

fox

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Just read it.

I'm off too. gotta go shopping:(

 

later mpols

 

fox

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Hi - Just bumping to see if any1 can pls have a look at the form i was sent in post #80 & give me some much appreciated opinions please? Many thanks as always, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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that looks like an application form to me and the T&C's posted later look like the standard ones that B/C sent me. I had a battle with B/C and then Mercers (who I ignored so they sent it back to B/C), they kept insisting it was an agreement, but it was an application form and the T&C's were of the wrong date, they did eventually send me another set of T&C's and give me a refund of interest and charges when they admitted they had sent the wrong things through, I still argued that they hadn't complied, this went on for months, eventually they accepted a F&F of about 40% of the outstanding balance. I presume yours is being dealt with by the lovely Cabot, who I have, sadly, also had dealings with! However they sent my Goldfish account back to Goldfish as nobody could provide a copy of anything other that statements.

 

I would argue and argue that what you've received is an application form and tell them to clear off.

 

Good luck :)

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Cheers Duf' It seems like an application form i agree but can't be sure as is 1st one anyone has sent me back if you know what i mean. Am not sure really what to send em next etc. Anyways, thanxs for your post hun. Take care, Mpolsx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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You should just write and say that they have not complied with your request and the account is (or remains) in dispute until such time as they send you the proper paperwork, I must admit that Barclaycard continued to add interest and charges throughout my dispute with them however the F&F they accepted was still a lot lower than what the original balance was before I got into money difficulties, they were the only ones who accepted my F&F though, the rest farmed the accounts out to DCA's.

 

Stick to your guns, good luck :)

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Evening all Thanks Duffers for prompt comment earlier! :)

 

- Is there any1 else that can support Duffers advice above or offer any other opinions please on the form i received (post #80) & the other paperwork in posts #83,84 & 85 please?

 

Many thanks as always, Mpols x

Edited by mysticpols06

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Have just been reading through a few more threads & very handy sticky and have come to conclusion that this is not enforceable as it appears to defo be an application form not an actual agreement. It doesn't seem to include on the sheet that i signed and of the prescribed terms regarding running credit. Would be extremely grateful if any1 else with more savvy could offer their opinion pls & also as to what to do next. Is Duffers comment above the best option? Many thanks as always, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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As I've yet to be put in this position, I can't know how you are feeling at this moment but you've done your research so be confident in what you believe.

If your first page doesn't link to any of the other pages, how can anyone say they are part of the same agreement

What are the scale of charges on the paperwork. If they are the newer charges (£12) then it's the wrong t's & c's. Even with my brilliant eyesight :-|

I couldn't read them clearly.

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Could someone with a bit more experience have a look at the above "agreement" for Mpols please

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Good afternoon everyone, Received another letter from cabot (has been a cabot day lol) stating;

"Repaying your acc: The cabot group has recently bought the acc you held with Barclaycard littlewoods and we've tried to contact you previously. It's now vital that you contact us urgently to discuss your acc. Choice of payments..blah blah...If we don't hear fom you - If you don't contact us to agree a suitable replayment plan we'll have to move your acc to the next stage of our collections process. Contact cabot...blah blah. Signed Peter Anderson."

 

I haven't yet sent anything in response to the duff paperwork i received (above & other thread - Soz, not sure how to merge 'em), as wasn't 100% sure which template to send & have been unwell the last few days so not had head on straight (Shouldn't be an excuse i know) and now they have sent me this telling me they have bought the acc that they already bought Oct 07, apparently & which is presumably now in dispute considering they have not actually sent through the proper paperwork in response to cca yet. Any advice please as to which response i should give or whether to ignore them a while until they start chasing for payment again? Many thanks as always, Mpolsx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Evening all - Hope you all settled in comfy chair as have a bedtime story for you all to read :D Nah not really, is just my response just finished drafting to our friends at Cabot. Is one of the first that i have attempted to put together myself incl' quotes etc based on other threads templates etc seen online so would really really apreciate any and all comments/advice if there is anything wrongly worded, missed out or not necessary to include! Many many thanks for your time, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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16th January 2009

 

CABOT FINANCIAL (EUROPE) LIMITED

PO BOX NO. 241

WEST MALLING

KENT

ME19 4NA

I do not acknowledge any debt to your company

ATTN: Steve Perring

Dear Sir,

 

Re:− Account/Reference Number

This letter is further to recent communications from yourselves dated xx/xx/2008, xx/xx/2009 and xx/xx/2009. I would like to bring to your attention certain points of relevance found within these letters, the contents of which are duly noted.

In your letter dated xx/xx/2008, which was your response to my OFFICIAL COMPLAINT OF ACCOUNT IN DISPUTE, (Para: 5) you state that you had “unfortunately not received documentation”. This contradicts (Para: 8) in which you also state that “As you (myself) signed a credit agreement which has been assigned to Cabot Financial (UK) Limited, of which the terms we are entitled to enforce, Section 10 (1) of the DPA does not apply to your circumstances.” – I’m sure you can agree that it is misleading and presumptuous to include such a contradiction. Either you have the agreement that I have apparently signed giving you the right to process my data in which case, I require an explanation as to why has it not been sent to me within the timeframe allotted, or you do not have the documentation as previously stated by yourself in which case you have no right to continue, or begin processing my data as stated in the S10 notice in my previous correspondence. Your final paragraph states “I trust I have set out our position clearly”. Am I to assume that this is your final response to my complaint please?

The second letter that I wish to discuss (dated xx/xx/09) states in (Para: 2) “Cabot and the original lender have now completed the relevant obligations under the CCA.” This is in fact not true as what you have sent me is a pre-contractual application form, nigh on readily illegible and not containing the prescribed terms necessary to conform with the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). Without production of the said agreement I am unable to assess if I am indeed liable for any alleged debt to you, nor does it give me any chance to evaluate whether any original agreement was ‘properly executed’. I also have to point out that both “Representations of Notice of Assignments” which were included in the pack of relevant information were in my opinion misrepresentations due to a number of differences, including (but not limited to), incorrect dates & contact information.

The third letter I wish to discuss (dated xx/xx/09) is arguably the most amusing, forgive my impropriety, however, to receive another ‘template’ from yourselves stating that you had “recently bought the account”, fourteen months after receiving an almost identical version and three months after telling me that my “agreement has been terminated” – An agreement I must point out, which has yet to be seen, has prompted me to assume that this most recent note is simply because your systems are not sufficiently up to date with our current stage of communications.

 

I note that to date you have not complied satisfactorily, with my initial request for a copy of the credit agreement for the debt which you are pursuing.

 

For the avoidance of any doubt I have included section 78(1) of the Consumer Credit Act 1974, which states…

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(2) …….

(3)….….

(4) ………

(4A)……

(5) ………

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

(7) This section does not apply to a non-commercial agreement, and subsections [(4) to (5)] do not apply to a small agreement.

 

Clearly the agreement which was supplied to me does not comply with the requirements of the Consumer Credit Act 1974 and I now draw your attention to section 78 subsection 6 which states: “If the creditor under an agreement fails to comply with subsection (1) he is not entitled, while the default continues, to enforce the agreement;”

 

This is now a situation as described in s78(6) Consumer Credit Act 1974 and the debt is unenforceable at this time. In addition, I draw your attention to section 127 (3) Consumer Credit Act 1974 which states:

 

”127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).”

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

To clarify s61(1) states

 

(1)A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

 

(b) the document embodies all the terms of the agreement, other than implied terms, and

 

© The document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible

 

In addition the prescribed terms referred to in section 60 CCA1974 are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following—

 

1.Number of repayments;

2.Amount of repayments;

3.Frequency and timing of repayments;

4.Dates of repayments;

5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Therefore based upon the Consumer Credit Act 1974 this debt as it stands is unenforceable and should this proceed to litigation, a court is precluded from making an enforcement order under section 127(3) unless a true copy of the signed agreement is produced. I will re-iterate that this is clearly not a true copy of the executed agreement between Barclaycard Littlewoods and me.

 

As this account is currently unenforceable and until such time as it is deemed enforceable either by way of Barclaycard Littlewoods fully complying with my original request, or by way of court order, I must insist that: All charges be removed from the account and further charges/interest cease to be added and all collection activities by your company are to stop with immediate effect.

I would also like to draw your attention to the OFT guidance on debt collection (issued July 2003 and updated December 2006) and in particular point 2.6 (h) which states; “Examples of unfair practice are as follows: h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demand for payment”.

Clearly this account is in dispute. I believe it is only right to inform you that copies of all correspondence, dating from the xx/xx received from your company will now be enclosed within an official complaint letter and forwarded to all regulatory authorities including (but not limited to), Trading standards, The OFT, The FOS and my local mp. I shall of course forward you any relevant details pertaining to the investigations which you may be privy to.

To conclude, I still require a copy of the executed agreement and all relevant documents required by the CCA 1974. Please note that if you are unable to provide this documentation in its correct form for any reason then I require you to confirm as such in writing please.

I expect that you comply with my request within 7 days of the date of this letter enclosing, if possible, appropriate and clear responses to the issues raised. All other correspondence will be duly recorded and forwarded with the aforementioned complaints.

 

I trust this clarifies my position.

Yours Truly,

Mpols x

 

 

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WAY TO GO!!!!

 

 

 

16th January 2009

 

CABOT FINANCIAL (EUROPE) LIMITED

POBOX NO. 241

WEST MALLING

KENT

ME19 4NA

I do not acknowledge any debt to your company

ATTN: Steve Perring

Dear Sir,

 

Re:− Account/Reference Number

 

This letter is further to recent communications from yourselves dated xx/xx/2008, xx/xx/2009 and xx/xx/2009. I would like to bring to your attention certain points of relevance found within these letters, the contents of which are duly noted.

 

In your letter dated xx/xx/2008, which was your response to my OFFICIAL COMPLAINT OF ACCOUNT IN DISPUTE, (Para: 5) you state that you had “unfortunately not received documentation”. This contradicts (Para: 8) in which you also state that “As you (myself) signed a credit agreement which has been assigned to Cabot Financial (UK) Limited, of which the terms we are entitled to enforce, Section 10 (1) of the Data Protection Act does not apply to your circumstances.” – I’m sure you can agree that it is misleading and presumptuous to include such a contradiction. Either you have the agreement that I have apparently signed giving you the right to process my data in which case, I require an explanation as to why has it not been sent to me within the timeframe allotted, or you do not have the documentation as previously stated by yourself in which case you have no right to continue, or begin processing my data as stated in the S10 notice in my previous correspondence. Your final paragraph states “I trust I have set out our position clearly”. Am I to assume that this is your final response to my complaint please? Please! IMHO get rid of that word

 

The second letter that I wish to discuss (dated xx/xx/09) states in (Para: 2) “Cabot and the original lender have now completed the relevant obligations under the CCA.” This is in fact not true as what you have sent me is a pre-contractual application form, nigh on readily illegible and not containing the prescribed terms necessary to conform with the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). Without production of the said agreement I am unable to assess if I am indeed liable for any alleged debt to you, nor does it give me any chance to evaluate whether any original agreement was ‘properly executed’. I also have to point out that both “Representations of Notice of Assignments” which were included in the pack of relevant information were in my opinion misrepresentations due to a number of differences, including (but not limited to), incorrect dates & contact information.

 

The third letter I wish to discuss (dated xx/xx/09) is arguably the most amusing, forgive my impropriety, however, to receive another ‘template’ from yourselves stating that you had “recently bought the account”, fourteen months after receiving an almost identical version and three months after telling me that my “agreement has been terminated” – An agreement I must point out, which has yet to be seen, has prompted me to assume that this most recent note is simply because your systems are not sufficiently up to date with our current stage of communications.

 

I note that to date you have not complied satisfactorily, with my initial request for a copy of the credit agreement for the debt which you are pursuing.

 

For the avoidance of any doubt I have included section 78(1) of the Consumer Credit Act 1974, which states…

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(2) …….

(3)….….

(4) ………

(4A)……

(5) ………

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

(7) This section does not apply to a non-commercial agreement, and subsections [(4) to (5)] do not apply to a small agreement.

 

Clearly the agreement which was supplied to me does not comply with the requirements of the Consumer Credit Act 1974 and I now draw your attention to section 78 subsection 6 which states: “If the creditor under an agreement fails to comply with subsection (1) he is not entitled, while the default continues, to enforce the agreement;”

 

This is now a situation as described in s78(6) Consumer Credit Act 1974 and the debt is unenforceable at this time. In addition, I draw your attention to section 127 (3) Consumer Credit Act 1974 which states:

 

”127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).”

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

To clarify s61(1) states

 

(1)A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

 

(b) the document embodies all the terms of the agreement, other than implied terms, and

 

© The document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible

 

In addition the prescribed terms referred to in section 60 CCA1974 are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following—

 

1.Number of repayments;

2.Amount of repayments;

3.Frequency and timing of repayments;

4.Dates of repayments;

5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Therefore based upon the Consumer Credit Act 1974 this debt as it stands is unenforceable and should this proceed to litigation, a court is precluded from making an enforcement order under section 127(3) unless a true copy of the signed agreement is produced. I will re-iterate that this is clearly not a true copy of the executed agreement between Barclaycard Littlewoods and me.(myself?)

 

As this account is currently unenforceable and until such time as it is deemed enforceable either by way of Barclaycard Littlewoods fully complying with my original request, or by way of court order, I must insist that: All charges be removed from the account and further charges/interest cease to be added and all collection activities by your company are to stop with immediate effect.

 

I would also like to draw your attention to the OFT guidance on debt collection (issued July 2003 and updated December 2006) and in particular point 2.6 (h) which states; “Examples of unfair practice are as follows: h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demand for payment”.

 

Clearly this account is in dispute. I believe it is only right to inform you that copies of all correspondence, dating from the xx/xx received from your company will now be enclosed within an official complaint letter and forwarded to all regulatory authorities including (but not limited to), Trading standards, The OFT, The FOS and my local mp. I shall of course forward you any relevant details pertaining to the investigations which you may be privy to.

To conclude, I still require a copy of the executed agreement and all relevant documents required by the CCA 1974. Please note that if you are unable to provide this documentation in its correct form for any reason then I require you to confirm as such in writing please.

 

I expect that you comply with my request within 7 days of the date of this letter enclosing, if possible, appropriate and clear responses to the issues raised. All other correspondence will be duly recorded and forwarded with the aforementioned complaints.

 

I trust this clarifies my position.

 

Yours Truly,

 

 

 

Mpols x

 

 

 

Would you be my official letter writer? pretty please:D:D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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