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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
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Cabot's Licence


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You are absolutely right that we shouldn't just talk. I have written a letter with a copy to the FSA and Prime Minister. If we all did the same - it doesn't take long - then they will maybe start to get the message that the system for ensuring fair trading in the murky debt collection industry is totally unfit for purpose.

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Guest HeftyHippo

I think its important to recognise that cabot are not unlicenced - their licence status is current because the OFT are allowing their previous licence to continue past its expiry because they submitted an renewal application before their old one expired. The complaint is that the OFT are not running an efficient licensing system properly.

 

A decision on a licence sould be made within a reasonable time of the application being made. It is not desirable and it shouldn't be permissible for a licence to be extended a significant time because the renewal application hasn't been considered. To do so makes an expiry date on a licence pointless.

 

The present situation gives rise to all sorts of suggestions of corruption as I said earlier (and pinky), eg that the OFT are scared of a DCA taking legal action should the licence renewal be refused, so they delay a decision until the DCA have fixed their failings, then the OFT will grant a licence.

 

Environemnetal health deartments use that system when a food outlet has hygiene problems. The difference is that the EH explain precisely what the outlet needs to improve, and by what time. If they don't meet those requirements, they can be closed down and/or prosescuted. The EH certainly do not allow months for an outlet to come up to scratch! Similar systems exist in most of licencing systems.. Here, we have cabot who haven't been examined and are flea ridden, being allowed to trade indefinately.

 

Perhaps opposition MPs would be interested in such failings by a Government department? With all the fuss about MPs expenses last year, they may be glad of teh chance to make some capital when the highest paid civil servant runs a department that screwed up teh court case last year and which doesn't run a proper license system. They couldn't be a coincidence could they?

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Also, the OFT's attitude that what goes on behind closed doors is none of the consumers business only adds to suspicion. What is it they are trying to hide - and why? It makes a mockery of the new government's mantra of transparency. It is time the OFT stopped treating consumers as if they didn't matter in any of this. It is consumers the OFT's decisions affect and we have a right to know why decisions are made as they are and the policy behind them.

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You are absolutely right that we shouldn't just talk. I have written a letter with a copy to the FSA and Prime Minister. If we all did the same - it doesn't take long - then they will maybe start to get the message that the system for ensuring fair trading in the murky debt collection industry is totally unfit for purpose.

 

[Emphasis]: Write (sensible) letter(s) of complaint about the OFT, to:

David Cameron;

Nick Clegg and;

Vince Cabel...

 

Many, mouths maketh, a Choir!

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You are absolutely right that we shouldn't just talk. I have written a letter with a copy to the FSA and Prime Minister. If we all did the same - it doesn't take long - then they will maybe start to get the message that the system for ensuring fair trading in the murky debt collection industry is totally unfit for purpose.

 

Pinky if you have an effective line of communication with the OFT I think it might be worth threatening them with a Judicial Review over their practice of allowing DCAs to operate without a licence pending renewal. Tell them there are plenty of CAGers ready to fight this corner!

 

See http://www.judiciary.gov.uk/judgment_guidance/judicial_review/index.htm

Edited by payingonlyencouragesthem

"Why CCJ when you can CCA!"

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FIRE is and always has been an offshoot of Cabot. It is based in the same place as thier in house solicitors.

My thoughts on this are, firstly, for anyone involved in litigation with them use the court protocols to obtain a copy of the sales document by which they assign the original debt from creditor to Cabot.

 

My second thought is to anyone who has had experience of Cabot and it's activities to complain to the following: OFT, FSA, your MP, Watchdog and the Govt Department responsible for consumer affairs. You only need to send the same letter to all of them.

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FIRE is and always has been an offshoot of Cabot. It is based in the same place as thier in house solicitors.

My thoughts on this are, firstly, for anyone involved in litigation with them use the court protocols to obtain a copy of the sales document by which they assign the original debt from creditor to Cabot.

 

My second thought is to anyone who has had experience of Cabot and it's activities to complain to the following: OFT, FSA, your MP, Watchdog and the Govt Department responsible for consumer affairs. You only need to send the same letter to all of them.

 

by Rhia:

...anyone who has had experience of Cabot and it's activities to complain to the following: OFT, FSA, your MP, Watchdog and the Govt Department responsible for consumer affairs. You only need to send the same letter to all of them

 

And copy in:

David Cameron;

Nick Clegg and;

Vince Cable!

 

In order, to make any sort of impact, at least 50 plus letters need to be fired off.

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My thoughts on this are, firstly, for anyone involved in litigation with them use the court protocols to obtain a copy of the sales document by which they assign the original debt from creditor to Cabot.

I have a copy of the account sale agreement.

It's between Cabot Financial (UK) Ltd (the buyer) and Barclays Bank plc (the seller)

Buyer's servicer means Cabot Financial (Europe) Ltd

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by Rhia:

...for anyone involved in litigation with them use the court protocols to obtain a copy of the sales document by which they assign the original debt from creditor to Cabot.

 

Cabot Financial (Europe) Limited: Eire.

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by Rhia:

...for anyone involved in litigation with them use the court protocols to obtain a copy of the sales document by which they assign the original debt from creditor to Cabot.

 

Cabot Financial (Europe) Limited: Eire.

 

In my agreement from 2007 it shows Cabot Europe having a different company number but the same address as Cabot UK

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I have a case with Cabot and I am just about to write a newer defence,,wil write at the end that they no longer hold a licence on my defence,,see where that gets with the court?

 

Worth a laugh,,at their expense

 

Cups

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They will simply reply that their licence is current, which, according to S29 of the CCA 1974, it is. What this debate is about is should the OFT be allowed to use S29 to postpone renewal indefinitely when there is sufficient evidence not to renew a licence at all and use that postponement to give a repeat offender like Cabot time to give undertakings about compliance everyone knows they won't keep. It makes a mockery of the licence system, which is there to regulate licence holders, not to give them indefinite leave to continue holding a licence when they have proven themselves not fit to have one. The OFT don't tell you anything - so much for David Cameron's new transparency - but that is what is going on in the background. They are trying to find a way to renew Cabot's licence in the light of all the complaints they have had about them, which they cannot ignore. I personally wouldn't raise it in a court case. It might go against you as irrelevant to your case.

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Securitization;

Amortization;

back to the, Oozlum Bird...!

 

Ahh, my late father's favorite bird!

 

The whole OFT/DCA etc thing just screams of the Old Boys Network... I shall be adding my voice to the choir of letters being sent - if there is supposed to be clarity then they need to start setting their various houses in order and stop doing deals "under the table" - as has been said, if they have nothing to hide, why all the cloak and dagger?!?

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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by Pinky:

I personally wouldn't raise it in a court case. It might go against you as irrelevant to your case.

 

Agree!

 

Yep, raise the issue in correspondence with them and complain like mad to the OFT, MPs etc but don't use it as part of your defence. I have a suspicion that if a court grabbed hold of the issue it could spiral the case out of the small claims track.

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There still seems to be a number of people who suffer with problems from Cabot despite their assertions they are the ethical collectors and doing all things according to the laws of the land. Well that's not exactly true quite yet and there is still a long way to go before their reputation is set in stone as being as they describe.

 

To help them on their way perhaps people could refresh their knowledge of what they are, who they are and how they deal with things but going on a refresher course with some of these threads of old where a considerable amount of work went in to assisting Cabot personnel identify how things ought to be done.

 

 

 

 

Take a browse, post 2 directs people to a number of examples too...

 

..

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html enjoy! :D

.

.

.

Edited by andrew1
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Someone told me delays of this sort can be for a number of reasons such as financial issues of the relative company. They did post a massive lost last year so it may be to establish they are on firmer footing in this financial year.

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Guest HeftyHippo

I don't think the reasons why the situation exists are important Rhia. What is important is the integrity of the licensing system. When a licence has an expiry date, a new licence should be issued when the old one expires if the holder is fit. Any 'period grace' should be kept to the minimum and only be allowed in strict circumstances. To do otherwise is unfair to the other licence holders. That's the case with all licence schemes. As it is, 7 months is more than enough time to consider an application and make a decision, and the lack of a decision allows the situation to be interpreted that the OFT is scared to remove the licence or has been persuaded not to remove it and thus brings not only the licensing situation into disrepute but the OFT. The OFT badly let consumers down last year, and here it is again failing us but not regulating the industry properly and allowing a bad company to continue in business.

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Yes I agree with both your posts and the OFT should really make a decision but from what I have heard I suspect they are struggling again so that will pile the pressure on..

 

I also read another thread here last night about a court case that Cabot lost involving defamation but when I looked just now it has gone! Anyway it seems yet another nail but yes the OFT should act - either they are fit to operate or they aren't and seven months is a heck of a long time and unacceptable for the consumer.

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