Jump to content


  • Tweets

  • Posts

    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot : Has anyone ever tried this .....


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5313 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi good peeps:cool: I have been fortunate not to have dealt with Cabot (yet!) and got lead here through a link of a link!! Have enjoyed reading this thread and am now subbing. There are so many ideas/suggestions on here that I have thought of myself lately so will be watching with interest!:cool:

Link to post
Share on other sites

Now here's the thing. I have a much larger debt than this one which is also now in the hands of Cabot. This one originated with Cahoot and although I've SAR'd Cahoot, they have sent me just statements, 3 times. Cahoot defaulted me on this but never served a default notice. Up to now, I've accepted this agreement as enforceable and have been paying Cabot a regular amount. See this thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/144299-fred-bassett-cahoot.html

 

I think the time is right to take Cahoot to court with regard to my SAR. I've made the necessary complaints to the Information Commissioner, but as we all know, they are as much use as an ashtray on a motorbike.

 

As far as Cabot are concerned, I just wonder if the same approach could be used twice. I don't think I have much to lose by trying.

 

Regards.

 

Fred

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.

Link to post
Share on other sites

The ICO were the only people who successfully obtained my SAR from MBNA, albeit after 8 months, so am quite surprised at what you say. Surely though while you have got your claim in with the ICO, you at least have a ref no to present to them and therefore hold the account in dispute till they produce it:?

Link to post
Share on other sites

The ICO were the only people who successfully obtained my SAR from MBNA, albeit after 8 months, so am quite surprised at what you say. Surely though while you have got your claim in with the ICO, you at least have a ref no to present to them and therefore hold the account in dispute till they produce it:?

 

I don't think I have. The SAR went to Cahoot, but the account is now with Cabot. I need to get the information from Cahoot.

 

Fred

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.

Link to post
Share on other sites

Well then, I would report Cahoot to the ICO. It's quick and easy online and they responded very quickly to me, all done by email so print off hard copies.....;)

 

ps. who got the £10 ??

Edited by AA99
ps
Link to post
Share on other sites

An inspired quote Sunflower - dinged

 

Also I was considering the possibility that a judge may comment that the defendant is attempting to avoid payment by making use of a loophole. I am thinking along the lines of a response such as " Yes Sir, with respect, I am merely using the same tactics as those used by everyone in business and, in fact, in government. Are not the MOD trying to avoid making additional payments to service personnel injured whilst defending our country? Are the US government refusing to pay the Congestion Charge as they see it as a tax which diplomats do not pay? I am happy to ally myself with them in using the law as it is written.

 

I will, of course, be taking a book and my toothbrush!

 

GK

I think that the accepted response is:

 

I do not deny having made purchaces on this card or making regular payments. However I beleive that the agreement may be flawed and in fact I may have paid too much money to xyz. That is the reason why I need a true copy of my agreement and of course the law!

Link to post
Share on other sites

Well then, I would report Cahoot to the ICO. It's quick and easy online and they responded very quickly to me, all done by email so print off hard copies.....;)

 

ps. who got the £10 ??

 

Yep, think you'r right. To be honest, I thought I already had. The £10 went to Cahoot.

 

Fred

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

I just realised that I did make a complain to the ICO about Cahoot's lack of response to my SAR. That was back in February this year. I've also got an outstanding complaint with them regarding the Halifax. Not only that, but my first ever dealings with them were very unsatisfactory indeed.

 

As far as I'm concerned, the ICO are a bunch of useless to**ers. I've just sent them a rocket but I don't hold out too much hope. Cahoot are taking the mickey and they know it.

 

Fred

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.

Link to post
Share on other sites

I just realised that I did make a complain to the ICO about Cahoot's lack of response to my SAR. That was back in February this year. I've also got an outstanding complaint with them regarding the Halifax. Not only that, but my first ever dealings with them were very unsatisfactory indeed.

 

As far as I'm concerned, the ICO are a bunch of useless to**ers. I've just sent them a rocket but I don't hold out too much hope. Cahoot are taking the mickey and they know it.

 

Fred

 

 

How strange! Did you do it online? Did you get an email response? With a case number? If so, get back to them and remind them :eek:

Link to post
Share on other sites

How strange! Did you do it online? Did you get an email response? With a case number? If so, get back to them and remind them :eek:

 

Yes, yes and yes.

 

I don't see this as strange - to me it is par for the course. They're f*****g useless as far as I'm concerned. They still haven't even attempted to resolve a complaint I have with the Halifax and my first dealings with them were this: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/76626-lloyds-tsb-will-they.html#post919212

 

Regards.

 

Fred

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.

Link to post
Share on other sites

Iv just had my first reply from the ICO re HFC not supplying any info, but mainly they sold the debt 10yrs ago but still have my details on file. The ICO make no mention in the letter about my concerns over keeping my data for this long when I have had no dealings with them. In the letter it states they cant actually do anything just advise!

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites

Iv just had my first reply from the ICO re HFC not supplying any info, but mainly they sold the debt 10yrs ago but still have my details on file. The ICO make no mention in the letter about my concerns over keeping my data for this long when I have had no dealings with them. In the letter it states they cant actually do anything just advise!

Not the privacy protection that we were all led to beleive then!

Link to post
Share on other sites

  • 2 months later...
How strange! Did you do it online? Did you get an email response? With a case number? If so, get back to them and remind them :eek:

just going through your thread again FRED

i am of the opinion that could you possibly find an expert witness to go to the cabot offices to look at these agreements ive noticed their is someone on the threads who is a handwriting expert ?

just a thought fred...but i am sure an expert witness could show forged documents

Link to post
Share on other sites

also ive been waiting for the ico to respond to 4 request since 2004 and not one has looked at HFO,MOOREFEILDS,AND ANOTHER FIVE DCA'S ,so i have not yet had a call from cabot yet but i rellish the thought because i will not respond cept to say see you in court and then provide all documents like you zero balance ?

patrickq1

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...