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    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
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CABOT chasing ex littlewoods barclaycard debt


mysticpols06
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:p Do you seriously think its ok hun? Am bit worried that ive gone and used something wrong or something - knowing my luck the bloomin' statutes etc will have changed like at school run time when i had to break from writing to get sprogs etc lol, i dunno. Hope it's ok - Have actually gotta work out who to complain to first now & how doh! Plus have to get on me other cabot horse and write to complain as they are ignoring that the acc is in dis with Cap one Double Doh! It's gotta be cuppa time [_]? Me brain hurts :D! Back in a sec hun x Ps - Fab news re: Will & our ole pals Lowells eh! ;)

'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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I do get a warm and fuzzy feeling when things go our way and knowing that we've been with lowwill(highwill) all the way makes it all the better.

 

I'm sure others will read that letter and make appropriate comments on it but to me it's bloody brilliant. Far better than I could ever attempt. I shall be stealing it and adapting it to my uses and of course passing it on.

As for the laws you stated, they all look relevant to me.

 

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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Bumping for general concensus please as to whether the above is ok to send? Many thanks all. 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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I'll give you a bump as well

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Here's another one.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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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 would remove 'if possible'.

 

The letter's fine but don't expect a meaningful response from Cabot. They will probably spout some hot air about "shall give the debtor a copy of the executed agreement (if any)" and try to state that that means it's okay to not have a compliant copy of the agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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What does Bump mean??
It just moves a thread back up to the top of the forum so that more people will see it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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When someone needs an opinion and none comes, they "bump" the post. This throws the thread up to the top of the new posts with the hope that some one will see it. By my answering your question also bumps it up which I'm sure Mpols will appreciate.

All she needs is for someone else to look at the letter she has written above and give their opinion.

 

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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Hi Fox, Bobby, Fred & Rory Thanks for the 'bumps' boys (bday not til april tho :-):p Irony's a wonderful thing folks - Was bumped good and proper yest to the extent of mild concussion! (Hence no being online) - Long story short, Dropped towel when getting littl'un from bath, Bent to pick it up & 'Bumped' or rather 'massively smacked' (doh) head on edge of basin - ow! (The polite version ha), Ended up with delayed shock & mild discussion (plus a still throbbing bloomin headache)! Anyways, Thanks Rory, To be honest hubby sent letter this morn (rec del) & i had already ommitted the 'if poss' plus edited a couple of sentances on Fox's advice also. Am not really expecting too much from them, as you said already re the standard response, but we shall see. Will be complaining re this acc the same as the other that you advised on (cap one passed on whilst in dis) so will post any reply they bother to send so that if any of you have a chance maybe to look, will be great and then i will think on next stage from there. Best wishes, Take care 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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Hi Mpols,

AWW poor you. Hope the head gets better soon.

 

It's now a case of wait and see what your letter brings.

 

As you know, I'll be around to look at what comes back and try and give you the wealth(!) of my experience :)

BTW, my b/days in April too

 

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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That sounds like the kind of clumsy thing I would do Mpols. Hope the heads better soon.

 

I used to have a friend who lived in an old house with low ceilings and wooden beams all over the place. I used to constantly come away with mild concussion.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I would remove 'if possible'.

 

The letter's fine but don't expect a meaningful response from Cabot. They will probably spout some hot air about "shall give the debtor a copy of the executed agreement (if any)" and try to state that that means it's okay to not have a compliant copy of the agreement.

 

 

:rolleyes:Blimey Rory you really ARE psychic - Had letter this morn (will put up this pm/eve - no time now) Basically spouting the quote above & some other bits just want checked - Also tho, went back over their photocopied T&C's that came through as well & other bits i missed last time (prob wouldn't have made a diff) like "If you sign the attached application form" and their calls info that are "current as oct '07" Yet the form they sent me is signed '03 etc. Anyways, Hope everyone ok - Talk soon, 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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Keep that letter nice and handy Mystic,

Thats a wonderful piece of doctored evidence that the Judge would most likely need to see.

I can see the conversation now.

Judge ' Have you seen the agreement Mystic??'

Mystic 'You mean this one that they are trying to confuse the Honourable Judge with ? Your honour?'

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This is page one of latest letter received - opinions/advice gratefully received as always - Many thanks mpols x

 

cabotagain1.jpg

'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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Morning Mpols,

Standard cr*p from Cabot. They are quite right to say they have complied with the request but would they rely on that in court? I think not.

 

I'd be giving them one last chance to comply by sending the cpr 31.16 letter and see if they can wriggle out of that.

I'm sure you've had a look but I'll post the link anyway:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Other than that I'm not sure. Personally I'm beliggerent enough to say that if that's all ya got, bring it on. See you in court. :)

 

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Cheers for prompt reponse hun - Will read up on that thread & link again as am not retaining the info very well at the mo & see if general concensus agrees with us. Lol! Hope u well. 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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to mysticpolso6, re cabot, that is the same letter from cabot that I was talking about on here yesterday that you are on about. Here is my solution, we each purchase each others debt for 10p in the pound then forget about it.

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I got reply through today saying they have temporaraly removed my wifes phone number from their records following my letter of complaint, this is a letter received the day after their first letter you know the standard waffle we are your mates, we want to help, this way to the showers ladies and gentlemen, you will be safely looked after and resettled in the east.

Just looks like they are trying to look like they are doing something useful whilst desperatly trying to see if they have any signed documents they think they can produce, and the tone of their letter has changed by saying we have a duty to pay what they say is owed.

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Hi fox & others, Hope everyone very well - am having a bit of a thought - Dunno really which way to turn with these now. Keep thinking yep - lisen to the advice & next stage maybe like you said fox the next letter then after that see them in court but whats it gonna achieve? They have my signature on an app form & statements etc that they sent me copies of so i can't really deny the debt is owed but at the same time the info that they DID send me is apparently unenforceable so would they really risk seeing me in court & afterall i can only be charged to pay what i can be judged to afford surely, with the poss of any charges etc removed first? Am certainly not in any position to save up & offer a reduced f&f (can't afford to save bug#er all at the mo :() Don't want to become a won't pay have always paid something until they decided all out of the blue that it wasn't enough and sent me a letter (pretty much a yr to the day of buying my acc) to tell me my agreement was terminated and asking for full balance which is what prompte me to get on here doh! Now, thanks to the wonderful fantastic support from fellow caggers i have taken bull by horns & cca'd almost all our OC/DCA's & so far had one file closed & not a single enforceable agreement received :eek: which is actually quite shocking to think why have i been putting up with the grief & rudery from them all this time & scrimping to pay as much as i can when so far they can't even prove to me they have the right to my cash regardless. So, I dunno hun - S'pose i'm just wondering whether would be better to offer them a £1 a month or something until they provide anything else & in the meantime complain to all & sundry about them & wait for them to pass me on or start chasing - at least then if THEY decided to see me in court i can show that i have been taking responsibility for the balance regardless of fact they not played ball. Aaaarghhhh! Have done nowt 'cept 2nd guess mesen the last couple days. Haven't got a spare tenner to do the sar thingy will have to wait a couple weeks to get that (sad or what). Am bit peeved i think, maybe & defo rambling so am gonna leave it at that & apologise now for the randomness of this post if it doesn't make sense and then prob delete it once have took a deep breath, made a cuppa & have read it back. Hmmmmm. 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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