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    • Hi,  Here's my draft and please feel free to give me suggestion: ========== Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences.     I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name -----------------------------  
    • My wife dropped my daughter off at a kids party space on a trading estate and didn't think to look for signs as she parked outside the establishment. We got a £60 (reduced early payment) fine. Although now the signs are to be seen its a lot of money is this something we must now pay? Attached is the notice and the signs. Looks obvious now but when you are driving to a party warehouse on a trading estate and looking for the place itself its easy to miss this and especially when it seems logical to park there and walk in. My wife was there for 30 minutes. Thanks in advance Sam          A4.pdf
    • That's such a perverse judgment its almost unbelievable Looks like totally ignored everything and just gave judgement on something that's not compulsory as in name a driver or appeal did judge confuse having to name a driver in a motoring offence case like speeding with the civil?
    • The OH had letter from Resolvecall regarding a very old LTSB debt at the start of the month. Knowing it was SB, I sent off the SB letter to Intrum who owns the debt. They responded to the OH last week when I was away. They basically said speak to Resolvecall and the standard letter, we'll pop to your house malarkey.... Just ignore as Intrum own the debt and from the looks of it have ignored the SB letter? The OH gets twitchy with these things, thanks PM.
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Help required with Cabot

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My wife's Monument debt has been purchased by part of the Cabot group and she has now been issued with a County Court Claim. The claim has been issued by Cabot Financial (UK) Limited although the debt was purchased by Kings Hill (No 1) Ltd. The assignment confirms that as the Group's servicing company, Cabot Financial (Europe) Ltd are entitled to recive money on behalf of Kings Hill (No 1) Ltd. Is the fact that the claim has been issued by a company that does nor form part of the assignment, albeit part of the same group, grounds for a defence that the claimant is not entitled to payment?

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42man .... a transcript of the PoC is as follows:


"The claimant is part of the Cabot Financial Group and has purchase the debt(s) scheduled below. Despite requests for payment the defendant has failed to pay the sum of 6853.36 in relation to the Defendant's Monument Credit Card account mumber XXXXXXX and the Claimant claims: the sum of 7143.36 together with interest under section 60 of the County Courts ACt 1984 and costs."


That is it. There is no record of a default notice or letter before action. The Claimant on the form is recorded as Cabot Financial (UK) Ltd rather than who the debt was allegedly sold to Kings Hill (No 1) Ltd.


This is new to me so I am not sure what you mean by a CPR31.14 or a CPR18. I have however sent Cabot the following letter, cribbed from other parts of this excellent website. Can you advise what else I can do or how I can offer a defence?



I write under the authority previously provided on behalf of my wife and further to your County Court Claim Form issued on 31 March 2009 in the sum of £7,143.36.

I am disappointed that you have elected this route, rather than attempt resolution of the disputed amount by responding to my letter of 28 May 2007. I also note that the last correspondence received from you, dated 11 August 2008 advises that you were returning the account to your Collections Department and makes no other reference to any other intended course of action. Your letter does not fulfil the requirements of the pre-action conduct required by the Ministry of Justice’s Civil Procedure Rules. This latest letter also alleges a debt of £7,907.84, rather than the £6,853.36 claimed in your Claim Form referred to above. Can you please explain the difference between the two figures?

In respect of the Civil Procedure Rules protocols and I put forward that you have a requirement to provide the following:

1) A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signature, is required. I enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974, which should not be used for any other purpose and which should be returned if you are unable to comply with my request. I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

2) In addition, all records that you or Monument hold on my wife relevant to this case, including but not limited to

a. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account.

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations.

c. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by my wife with Monument. is required.

d. True copies of any notice of assignment sent to my wife, with a copy of any proof of postage that is held.

e. True copies of any default notice or enforcement notice sent to my wife, with a copy of any proof of postage that is held.

f. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

g. Details of any collection or other charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

h. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

i. A genuine copy of any notice of fair use of my wife’s data as required by the Data Protection Act 1998.

j. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

k. Copies of statements for the entire duration of the credit agreement.

I make this request to ensure that each party has equal footings which can allow action to proceed speedily fairly and without undue costs or waste of courts time.

To allow time to prepare my wife’s defence I will give you 10 days from the date of this letter to respond with the above, failure to comply will result in a complaint being made to the Court, in addition to the FOS for any breaches of OFT and CCA codes. This includes breaches as a result of initiating a County Court claim where failing to provide or produce documents make litigation improper.

Furthermore, I reserve my wife’s right to make a copy of this letter and other letters, available for inspection to the Court and Financial/Consumer regulators and use it as part of her defence should you fail to comply with this request.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

I await your response. In the meanwhile and for the avoidance of any doubt, there is and continues to be, no acknowledgement of the debt on the part of my wife or anyone else acting for her."

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Hi Arbo,


Cabot can be beaten.


My thread might help you:




It's a long thread but hopefully you'll see that patience pays off!


Good Luck!


BTW, they will most likely lie and intimidate and be arrogant in the extreme but if you keep a file of all coresspondence between you and send everything registered post or email, then you can beat them.


PV :-)

Edited by PossVox

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008


Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009


Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009




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