Jump to content


  • Tweets

  • Posts

    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • 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

Major Help needed with Cabot and CCJ**WON** Case dismissed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5023 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 263
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yes, it would be advisable for him to have a 'defence' with him to refer to. and a copy for the judge and the other side if they show up..

 

This is a copy of a defence I intended to use at my hearing..

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt-15.html#post2381656

 

Fortunately, the other side backed down and I didn't have to use it.. but you may be able to edit it to suit your case.

 

Spam.:)

  • Haha 1

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

The plot gets better and better.

He has had a letter today from Morgan Solicitors - Cabot, with an application for a final charging order :mad: dated 10 days after I sent them A letter asking for all the info, the hearing is on the 7th October.

I take it they have carried on regardless with the judgement they have :(

Any advice on this would be great.

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

Youve sent everything recorded delivery?

Looks like they are trying to push this before you can slap em down.

That application of theirs needs to be blown out of the water.

You need to file for a strike out.

Get as much detail as possible on this account also, if there are charges or fees, then that will be a counterclaim.

If there is a hearing date set for the Final CO, then you really must attend and point out the timing of their application is vexacious

Link to post
Share on other sites

Thanks Bazaar,

Everything sent to Cabot and there solicitors has been sent special Delivery sign for :)

I have requested all the information on the Account but all they could send me was a statement of the account which shows them adding 12% pa per month to the account. A statement of cost (solicitors fee's). A list of every time they did something to the account, i.e. telephone call by auto dialer. A witness statement from someone who works at Cabot and a copy of a case Akram vs Adam 2004. This is all they were able to send me from my request CPR 18 - REQUEST FOR INFORMATION letter. I have sent a SAR to Argos and MBNA but nothing back as yet. Do i need to send anything else to them,

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

The plot gets better and better.

He has had a letter today from Morgan Solicitors - Cabot, with an application for a final charging order :mad: dated 10 days after I sent them A letter asking for all the info, the hearing is on the 7th October.

I take it they have carried on regardless with the judgement they have :(

Any advice on this would be great.

 

Is the date of the application for a final charging order before or after the date of your dads set aside application?? Could the applications have crossed or does it look as if your dads application has 'spurred them on' to do something.

 

Also, where have Cabot applied for the final CO, is it at Northampton bulk centre or your dads local court?

 

If your dads application to set aside is being heard on 16th September, then it is before the hearing of their application on 7th October and if the CCJ is set aside they won't be able to get a CO...:-|

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Just to add,

 

I googled Akram v Adam and came up with this..

 

PART 13 - SETTING ASIDE OR VARYING DEFAULT JUDGMENT - Ministry of Justice

 

It seems this is what they will be using to justify opposing your dads Set aside.

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

It Does seem the same Spam :) well spotted and it even says under 13.3 the defendant has a real prospect of successfully defending the claim it will be set aside, they cant produce any paperwork is a good start by what I have read.

As for the CO i sent them a letter on the 20/08 and signed for on the 21/08, the interim CO is stamped as received on the 17/08 :( and they then sent it to him on the 1/09, It is from them and not the Court, I will contact the court on Monday to confirm this.

Forgot to say They have applied for the Charging order in Blackpool

Edited by gazhodge1981

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

Good idea to contact the court... it looks as though they've squeezed your dads set aside hearing in before the CO one so that it can be sorted out first so you need to get a nice strong case together to prove your dad has a good defence up his sleeve.;)

 

You mention the Particulars of claim in post 8... Can you be more specific in what it says..?

 

Just type it out with identifying details removed and then we can take each point and make sure your dads defence covers it.

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

The Particulars were the one's I put forward to set aside the judgement.

* The Summons was never received.

* without knowing about the Claim he was unable to file a Defence.

I will Scan and put on here the all the paperwork I have been able to get from the Court.

As for there Particulars they used the only thing I have is from the Bulk center.

It says :- The Claimant is part of the Cabot Financial Group and has purchased the debt(s) scheduled below. Despite requests for payment the defendant has failed to pay the sum of 5***.50 in relation to the defendant's ARG card, MBNA card, and the claimant claims: the sum of 5***.50 together with interest under section 69 of the county courts act 1984 and costs.

All of the above is all I have regarding what they used to get the judgement.

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

Briefly, that POC can be torn apart... no mention of Assignment, default notices, how they reached the figures... arrears...agreement and is it relating to two agreements or is it that MBNA were servicing the Argos Card?

Also they would not be able to claim interest after judgement if the claim relates to a regulated consumer agreement...

 

Spam.:)

Edited by Spamalot
Spelling..

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

They have not been able to produce any of the above on request. It looks like 2 cards to me as they have separate ref numbers for MBNA and Argos.

To date Argos has not responded to the SAR request but they do have 25 days left :(

I will scan what I have and pop it on :)

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

On first sight it looks as though they are trying to rush this through the courts because their paperwork is definitely not 'up to snuff'..

 

I have never dealt with Cabot before and I don't know if you are aware of the way they work but it may be worth researching a few threads involving them to see what their 'claims' are like and how others have dealt with them in the past..

 

It seems strange that they are making one claim for two seperate agreements so that's something that definitely bears scrutiny... get as much info from your dad as possible cause you really need to get a nice 'belt and braces' defence so that if they wriggle out with one thing you can get them with something else..

 

I haven't too much time today, but I'll have a scout around when I can and see what I can dig up.

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

That really is a rubbish POC!!... They've purchased some debts... hm... where does it say that it relates to anything your dad has signed and when???

Oh...and who did they purchase the debt from....and when were they assigned absolute???

 

Oh and when did they default your dad and for how much??

 

No wonder they're trying to tie this up with a charging order... seems like they haven't a leg to stand on... so unless your dad gets a judge with his wig on back to front he should be ok to get this set aside without too much trouble..

 

Make sure he has all the points covered with regards to why he is asking for the set aside.. I.e papers not served etc. as that is just as important as the defence..

 

Then I'll give you a hand later in picking out the relevant bits for his defence... which at the moment, without docs is leaning towards 'embarrased'.

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

He doesnt have a default notice that I can see but i would think it must come with the SAR requests from MBNA and Argos.

Looking at the paperwork sent from cabot on a CPR request it says MBNA was purchased on 8th may 2008 and notice of assignment on 14th may 2008 for £3578.95

Argos - purchased on 2nd November 2007 and notice of assignment on 15th November 2007 for £1207.02.

That is what they have said but no proof provided of any of it.

I dont know when he was defaulted but will try to find out :(

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

The POC should really state all this info, and by neglecting to put it in Cabot have not played very fairly..

 

It should have something like by an agreement dated XX.XX.XX between MBNA and DAD... Dad defaulted on the agreement... a default notice was sent XX.XX.XX Dad failed to remedy the default... agreement terminated..

MBNA assigned agreement to CABOT on XX.XX.XX NOA sent to dad...XX.XX.XX... LBA....XX.XX.XX and so on... and in whatever order it happened... depends who terminated the agreement and when..

 

Without a valid default the agreement was terminated unlawfully and therefore should never have reached the stage of Court...also without a valid NOA Cabot would have no legal right to take the matter to litigation..therefore there are oodles of things that they have done wrong and not adhered to the rules.

 

If a default notice was sent, they have to prove that your dad received it, and that he was given sufficient time to remedy, and that the figures were correct. If there were unlawful charges included in the figures then that would render it invalid..

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Just a small point here, have they produced any agreement? My earlier post wasnt that clear sorry. Also, you say youve SAR'd them and CPR requested. Is this for both accounts? The SAR should have gone to original claimant I think. But CPR they should provide you with what you asked for. Spam has pointed out a hell of a lot thats potentially wrong with their claim and they are definitely trying to push it through rather quickly to make it harder for you.

One biggy I can see is that theyve lumped 2 accounts together, I'm not too sure, but Ive read here somewhere that that isnt allowed.

They also obviously didnt produce any agreements at the first stage which IMHO the Judge should have picked up on, so its worth pressing this point as well.

Link to post
Share on other sites

I have sent SAR to the original creditors and the CPR to Cabot. As to date I have had nothing back apart from what I have listed above :(

Spam has pointed out loads and it does seem they are missing alot.

It's interesting regarding the two accounts being put together, I will try and find that out as that is a big one.

It makes you wonder what they did produce to get the judgement:p

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

Link to post
Share on other sites

It makes you wonder what they did produce to get the judgement:p

 

When a claim is put through Northampton CCBC they don't have to produce any documents.. thats why so many cases get as far as judgement which under normal circumstances would fall at the first hurdle.

 

Unfortunately there are too many people around who don't realise this and thats how the Likes of Cabot get their money.

 

Don't worry if you don't get sight of any of the documents you've asked for before the set aside hearing because your dad can ask the judge for an order to produce them..and if they haven't got them they'll just have to squirm..:p

 

If the debts have been assigned absolute, then Cabot should have everything relating to the accounts.

 

Your dad will also need to ask for the DEED of assignment to be produced to prove ownership of the agreeement/s if they ever turn up.... Cabot won't like producing this because they've probably only paid a few pence in the pound for the debts..:roll:

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...