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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


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cheers Fox - Knew there was something nagging but couldn't remember what! Will ave a think & draft something up over the weekend & post it for comments before send me thinks! Night hun Mpolsx

ps - Will pm you soon - sooooo need to catch up -My bro home from afghan by the way,( yay) but already training for next tour :-(

 

Anyhooo - Ta v much peeps! sweet dca-less dreams! 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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Another letter yest telling me if i don't take 'positive' action to settle balance with them immediately, acc will (either) be forwarded to external dca or legal action commenced if the acc "meets our litagation criteria" in the form of a ccj.

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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Morning peeps - Hope all well. Latest note i sending them. Regards, Mpols x

ATTN: Lindsay Thomas

Dear Madam,

Re: − Account/Reference Number

Thank you for your recent letter dated, 8th June 2009 and previous versions in which you have continually requested that I contact you with payment on this account, whilst also continually threatening that your company would either pass this account to an ‘External Debt Collection Agent’ or “Commence legal action to recover this debt’, if the account meets your ‘Litigation criteria’.

I would like to point out that regardless of the fact that the correct paperwork has never been produced, this account was passed to you approximately 18months ago, at which point, and after being hounded by unnecessary phone calls and letters I agreed a repayment plan with you. I adhered to that payment plan even when your company did not adhere to the terms that IT had agreed itself and I also, willingly provided regularly updated copies of my financial statements and pro-rata payments so that your company had full knowledge of my families circumstances. I have never been rude to one of your staff or petulant in the way that I speak to them. I have never threatened any of your staff or assumed an air of authority which was not rightly mine and I have certainly not deceived any of your staff or taken advantage of the fact that they may not be in a position of knowledge concerning relevant matters. In short, madam, my behaviour has been completely as requested and expected which, in itself, was an utter contrast to that of your supposed ‘professional’ staff.

October 2008 and although I had adhered to the re-payment plan completely, with behaviour as described above – Your company decided their patience had run out so to speak and demanded the full outstanding balance of this account, which understandably I could not provide – therefore this account was ‘Terminated’.

I immediately sought professional advice and was informed of my rights. Reassured that I had, in fact, NOT committed some horrendous offence, rather, that I had been humiliated and bullied for the financial difficulties that I found myself in due to family circumstances; I began written communications with a view to ascertaining YOUR rights. It transpires, seemingly, that you have none in relation to this account. You have acted with the same reverence that belies any moral individual. I have not been a ‘won’t pay’, rather a ‘can’t pay more than I have’.

Now to draw your attention to the blaringly obvious:

This account remains in dispute, indeed the paperwork and appropriate documentation itself is in dispute.

Without a copy of the executed credit agreement, itself containing all the prescribed terms, any action on your behalf would be fruitless.

It may also be construed as harassment and your actions as vexatious.

It would also be deemed as an unfair business practice to attempt any form of enforcement regarding this account and accordingly may affect your ability to hold a consumer credit license.

Please 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.

 

Your actions will now be reported to various bodies including but not limited to Trading standards, the OFT & my MP, as is my right to do so.

I am fully aware that the most response I can hope to receive is highly likely to consist of another templated impersonal letter, ignoring my comments above & threatening me with more ‘possible legal actions’ on your behalf, whilst simultaneously ‘urging’ me to contact one of your staff to arrange payment of this account – If I am considered lucky I may even receive another ‘one time only/valid for one month/30% off total balance reduction’!! In the current economic climate I, (and thousands of others) am in even less of a position to offer payment for an account to a company that can not –so far- prove they have the legal right to collect and, I do not own anything of any consequence that will have any bearing on your threat to ‘possibly instruct bailiffs’.

If you wish to see me in court with the illegible and inappropriate paperwork that you have thus far sent me copies of, as your defence, then I applaud your confidence whilst I despair at your eagerness to waste valuable resources and, I eagerly await your reply so that I too may prepare a suitable (and honest) defence. Madam, I do not dispute this debt and never have. I DO dispute the relevant documentation and manner in which your company has acted.

I repeatedly propose that this account be returned to the original lender so that they may bear suitable responsibility and insist that any further communication is in writing only.

Accordingly, I await your further comments.

 

Yours sincerely

 

'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,

 

"Madam, I do not dispute this debt and never have. I DO dispute the relevant documentation and manner in which your company has acted."

 

Apart from that bit, I think that is a bloody good letter. As they haven't provided sufficient proof of the debt, you do dispute it.

 

As I see it, if they did the ridiculous and took you to court, that is admission of a debt. I could be wrong of course (usually am :smile:)

 

If only you had the time, you could be a professional letter writer. Your use of the obvious to these muppets is second to none. Just a shame they won't understand it as you have used words of more than 2 syllables.

 

BTW This is my latest battle:

http://www.consumeractiongroup.co.uk/forum/citicards/202950-fox-citi-sar.html#post2209520

 

As Cabot have gone quiet, I decided to go to the horse and try and get an agreement.

 

I'll catch you later.

 

fox

xx

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 peeps. I see what you mean fox. Might just edit that last little bit a tad then & get in the post. Am getting kinda wearly with it all ya know? Anyhooo - Sun is out today lovlies so chin up all :-)

Laters! 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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If only you had the time, you could be a professional letter writer. Your use of the obvious to these muppets is second to none. Just a shame they won't understand it as you have used words of more than 2 syllables.

 

Ps - Thanks for the compliment :D

  • Haha 1

'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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  • 3 weeks later...

Morning folks - Hope everyone is smiling! Just a quickie to say not had any contact yet since last letter (above).

Take care all,

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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  • 2 weeks later...

"If I am considered lucky I may even receive another ‘one time only/valid for one month/30% off total balance reduction’!! " (post #154)

Ok so maybe i am a little psychic - or else they really really are very predictable - Yep, reply to my latest letter simply states i can clear account for approx 5 ton less than the balance currently stands at. Lucky me.

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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  • 4 weeks later...

Yay another letter - i'm getting popular again! This one stating:

 

"We've previously advised you that if you didn't repay your outstanding debt to Cabot we'd take further action. Therefore unless we hear from you immediately we'll instruct one of our debt recovery agents to call on you to collect the debt".

 

Question please to anyone in the know who has been following my thread - Can they do that considering the situation so far? Also i'm assumming their threat is meaning a bailiff? Is not something i'm looking forward to the prospect of especially whilst kiddies are all off school for the summer and very poss likely to open any doors /answer phones etc at the mo. I thought i had to have received a ccj or something before they could send someone round or am i getting REALLY confused? and finally any advice as to the next type of letter that would be best to send them please. I have not complained to anyone re this account yet - I have re cabot and cap one (see other thread) & not heard anything since but not this one but am really beginning to get a tad peed off with them now so am thinking i really should. They were the first ones i cca'd because they suddenly 'terminated' the account and it was actually that which prompted me to find the special caggers that have been such a great help and support but they just don't give up! Any advice very gratefully received peeps.

 

Thankyou muchly!

 

Mpols x

Edited by mysticpols06
fairies playing in my keyboard :-)

'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,

You are right in your assumption in that they need a CCJ before a bailiff can call. If anyone else turns up you are well within your rights to tell em to eff off.

Send them the home visit letter if you haven't done so and keep a copy by the door:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

 

Hope all else is good at the mo.

 

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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Hey fox - Thankyou hunny for your prompt reply - was just chasing that link now :p Thanks for confirming re ccj too - i know i haven't got one of those (yet??) so thats ok.

All else seems ok for now. Ditto!

Thanks again,

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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Ok have just done a quick edit of the template above - thanks for the help. Am gonna get it in the post tomorrow and also run off a few complaints as well. About time i reported them me thinks. Thanks again for your prompt advice fox, Mwah!

"Thankyou for your letter dated 4th August of which the content and breach of oft regulations are duly noted. Please be reminded that I will only communicate with you in writing.

Please be advised that should it be your intention to arrange a “doorstep call”, then as you are aware, under OFT rules, you can only visit me at my home if you make an appointment and I can state that I have no wish to make such an appointment with you.

 

As you should know, there is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384

. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and possibly harassment and action WILL be taken, including but not limited to, police attendance.

May I take this opportunity to again re-iterate the following:

This account remains in dispute, indeed the paperwork and appropriate documentation itself is in dispute.

Without a copy of the executed credit agreement, itself containing all the prescribed terms, any action on your behalf would be fruitless.

It may also be construed as harassment and your actions as vexatious.

It would also be deemed as an unfair business practice to attempt any form of enforcement regarding this account and accordingly may affect your ability to hold a consumer credit license.

Please 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 illegally pursuing.

Yours faithfully,"

Many thanks

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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  • 3 weeks later...

......And today our latest letter is a demand for payment in full from 'Fire' Financial investigations and Recoveries (europe) ltd.

"Failure to pay your debt will result in further recovery action. PAYMENT IN FULL IS REQUIRED IMMEDIATELY. You must now contact one of our agents on 0845 0700 381"

Envelope return address was ths same as cabot been using (handling centre, doncaster) so am i to assume these are inhouse or third party? Does anyone know please? Also any ideas on what to send them in reply other than the usual acc in dis letter?

Many many thanks, Mpols x

PS. Am complaining to the above as you advised Bazaar. Thanks for input hun!

'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, hope you're well

 

You are right in your assumption that FIRE are just another desk at Cabot

 

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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Morning all, Thanks Fox re above post - Another letter from Fire suggesting that we make a reasonable offer in full and final settlement of the account - either a one off payment or payment plan "provided contact is made with this office by 11 september 09".

Am drafting response this weekend to them will post when drafted for comments so can be sent tuesday hopefully. Complaints going tuesday as well to everyone of note.

Thanks for your support & 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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Morning everyone - re above post - pc playing up so have been held up this week :mad: - So, need to draft complaints to get sent tomoz & also A response to fire and Cabot (altho i realise they are pretty much the same) - Basically had letter from cabot stating:

" Cabot has previously responded to the issues you have raised and our position remains unchanged. I would with respect advise you that you have been misinformed in relation to the arguments you continue to raise and you have no grounds for your continued dispute and failure to repay your financial liabilities....

"As previously advised, The requirements of the consumer credit (agreement) regulations 1983/1553 concerning the form and content of the agreement are enforced by the primary legislation which is the consumer credit act 1974 ("cca"), more specifically section 60(1) which states: "The secretary of state shall make regulations as to the form and content of documents..."As a result, one is required to view the primary legislation together with the secondary legislation and therefore our explanation as set out on previous occassions that the terms of the agreement can be set out in another document is legally accurate.....

"On reviewing your acc, it is evident from correspondence that you are delaying repayment of this acc. However it is the case that you signed and agreed to the terms of the credit agreement in order to receive and utilisethe credit card. It is also clear from statements which you have received previously that you have had the benefit of the funds available to you and you have failed to repay this, In addition you have previously made payments to cablt which again is clear evidence that you acknowledge responsilbility of the above account....

"Cabot will not enter in to any further correspondence with you regarding this matter as we have continually responded to the issues you have raised. Please be advised that your account has now been referred to our agent FIRE to pursue collection on our behalf...

Amanda Chivers".

 

Ok - They have referred to three of the six letters i sent em even tho i have a response to each one here. Can anyone please explain to us what they are on about re the secretary of state comment? its all foreign language to us - sorry. I can't seem to make em realise that in theory its not the debt we are disputing but the paperwork! We are not people who just dont bother to pay, we were actually paying an agreed amount to them without problems for a year until they just decided without warning "times up we are terminating your account" which is what (thankfully) prompted us to get online and found cag then they have as we know got crappy with us since then. It's really starting to pee us off - we cant afford to take em to court - but now we know about our rights etc we cant just pretend its all ok and go along with them to keep the peace. aarghhhh!!

(and breathe) ANyway, sorry for the rant just a tad frustrating at the mo. Any ideas please on a suitable response to these plus the above posts from FIRE that we have had? Also i will attempt to get complaints done today re these. Thanks soooo much for your time. 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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  • 2 weeks later...

Good afternoon everyone - received today from 'FIRE' -

 

"Pre-visit notification No further notice or warning will be given. Your debt referred to us by cab, due to time debt been unpaid Immediate action now required. Contact them within 48hrs with full settlement or suitable repayment offer. If fail to respond then they instructed to continue with all available recovery methods which may result in either client (cab) commencing legal proceedings or doorstep agents calling upon you".

Fiona Reeves."

 

Advice or opinions please? This been going on so long now - surely if they knew the application they sent me & other docs etc were enforceable they woulda got me in court already? Am getting really peeved re threats etc now. Many many thanks as always, 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,

 

Not much you can do about the threat-o-grams apart from collect them for when the complaint goes in.

They would be daft to go to court so they are just hassling you to pay.

If you haven't done so, send the no home visit letter and keep a copy by the door just in case they do turn up.

I do recommend you thoroughly clean your doorstep though. You don't want them getting dirty hands do you :D

Hope you are otherwise well.

 

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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Mpols, you are quite right, if they had the correct documents then why not just give them to you and tell you to pay up. Simple answer is they dont, so they harrass you to pay . Send harrassment letter off straight away and report them.

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Hey Fox & Bazaar, How goes it? Thanks for comments gratefully received - Is there a copy of 'harrassment' letter floating d'ya know? Had an accident earlier this week & me brain is not working as it should so sorta need something i can pinch some phrases from if poss? Fox - sent the doorstep letter already to Cabot but then got their 'no further correspondence' letter in reply (post 170 above). I wanna SAR them but dunno whether to send to O'C, or cab & to be honest (as bad as it sounds) i truly can't spare the £10 fee for a while so dunno what else to do really cept try to keep ignoring them & see what happens. Have noticed on some other threads that cab are in process of trying to take some other peeps to court using the same kinda docs as they sent me - Ksara-sara i s'pose. Thanks again both. Mpols x

Ps. Evening guest! ;)

'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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