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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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CABOT 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

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

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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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