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    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
    • Hello, I am wondering if someone can advise. I sold some goods via an online platform who essentially middelmans and authenticates luxury goods.  I have sold over 100 times with them in the past without issue but a while ago I had a sale go wrong, whereby they claim they never received the shoes in the parcel and instead received empty boxes. They wont show any photos of what they received. I considered whether to pursue them or the courier, and decided to pursue them because the UPS tracking indicates no issues at all, but also because they are the ones that contracted with UPS.  I sent them a PAPLOC which they claim was "lengthy and pre written" which is true because I simply adapted a previous one. They rejected any resolution so I issued a claim using an adapated thread from this forum from before against i believe evri. Anyway they filed a defence which essentially says that they think I shipped empty boxes and never shipped the shoes and am commiting fraud. However, I have weight records of every parcel I ship (and have done since 2019) and they have provided no evidence to support their claims. They also failed to comply with CPR request for inspection of certain documents within their defence, such as a report by their authenticator who they claim emptied the box (Although I know this is false because they have had literal job offers for "Warehouse staff" with the job description of opening and sorting incoming orders (OWTTE) so I also think here that I have a ground that they are trying to mislead the court, which once again is likely to obstruct the just disposal of proceedings. The amount is just over £1,000 I'm now wondering whether I should apply to strike out their defence / apply for SJ on the grounds that the defence is totally without merit and will obstruct the just disposal of proceedings by making me wait months for a trial that they are bound to lose and upon them having absolutely no proof to support their claims, and me having weight records, as well as the fact they failed to comply. I am aware the fee for this would be £303 but the trial fee would be £123 itself so the difference is £180. Any advice please?
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Cabot/Morgans going to court with copy/illegible CCA


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When you go tomorrow, just tell them you have the Cabot Fan Club behind you - they are going to have to better than that to get this one passed the judge would they like to settle before going into court or wait for the slaughter?

 

" but did one more search last night and find one CRA has defaults listed in Cabots name and the original creditor?"

 

Are you saying you have 2 defaults registered for the same debt? That's a big No-No....!!

 

YES! OC default dated 22/11/7 and Cabot default dated 1/11/7 is shown on CRA. Claim was only made in Jan this year though and Cabot have sent a representation of a DN dated 23rd Dec 09. Im confused?

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As Rhia and Andrew say, the double entry on the defaults is a dead give away.

 

But do bear in mind that the registering of a default with the CRAs is NOT the same as the issue of a DN!

 

OK Donkey thanks for pointing that out because I was making that link, does the fact that the OC state the account ended in 31/10/09 make a link to it being terminated though?

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Hi Shaarn,

If they have not issued a DN and it is not terminated, which is what they seem to be saying, that means that the account must still be live. If this is the case, they should have been sending regular statements of account.

How prepared are you?

Very best of luck.

 

No regular statements recieved since Sept 09 when the balance appears to have been zero-ed!

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Hi Shaarn,

Another thing, I read on a similar thread that the defendant gave the "agreement" to the oppo solicitor and asked him to read (a particular illegible part) of it. This should prove the point.

 

Great Idea!

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If the OC has registered a default that's OK but if they assign the debt to a DCA the original default has to come off before Cabot can start to regsister it. In other words you can't have two defaults for one debt.

 

And yes pabrmu agree check if it's live or not.

 

How can I check it is live? (is this a stupid question)

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Hi Shaarn,

If you have not been receiving monthly statements, then I don't think that it can be a live agreement.Someone better qualified than me will tell you the part of CCA 1974 that says this.

If it is not live, then it must have been terminated, in which case you should have received the DN and termination Notice.

Another error that they normally make is not sending the Notice of Assignment by registered/recorded delivery.

Have you acknowledged receipt of the NOA?

If not, and they do not have proof of posting, they cannot prove that they own the debt.

The law governing the correct serving of the NOA is the Law of Property Act 1925, Sect.196:

196.--

 

(1) Any notice required or authorised to be served or given by this Act shall be in writing.

 

(2) Any notice required or authorisd by this Act to be served on a lessee or mortgagor

 

(3) Any notice required or authorised by this Act to be served shall be sufficiently served if it is left at the last-known place of abode or business in the United Kingdom of the lessee, lessor, mortgagee, mortgagor, or other person to be served, or, in case of a notice required or authorised to be served on a lessee or mortgagor, is affixed or left for him on the land or any house or building comprised in the lease or mortgage, or, in case of a mining lease, is left for the lessee at the office or counting-house of the mine.

 

(4) Any notice required or authorised by this Act to be served shall also be sufficiently served, if it is sent by post in a registered letter addressed to the lessee, lessor, mortgagee, mortgagor, or other person to be served, by name, at the aforesaid place of abode or business, office, or counting-house, and if that letter is not returned through the post-office undelivered; and that service shall be deemed to be made at the time at which the registered letter would in the ordinary course be delivered

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Lets just keep this simple for a minute and clear the complexities first:

 

Cabot do not act as a debt collection 'agency' they buy debt en-bloc...If they were an agency then they get 10% +/- based upon the value of the outstanding debt they are collecting against, they do not get ownership of the rights to the debt or anything like it, they just take a commission on the debt itself - or more spefically in this case - The Arrears which are due.

 

When Cabot buy debt the debt is Assigned to them and when a debt is assigned then the account as far as the OC is concerned and the LOP is closed. The Default would have happened earlier and when sold removed from the CRA and Cabot register their DN when they take the debt on. If the OC left their Default then they need to remedy that fast or suffer the fact that your credit history may be wrongfully affected. The Deed of Assignment has to be sent to you by both the OC and Cabot, check this thoroughly. These cannot be called ' Arrears unless Cabot are continuing to carry out the functions of the original contract, the rights, duties and all contractual obligations under the original contract - which they don't, so this cannot be referred to as arrears, they bought the account in toto so if they are asking for all the monies then they are pulling a fast one and need reminding they are... Geez, do they never learn?

 

Have they begun charging you their 12% interest rates yet? Let me know if they have and that is a part of their claim.

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Lets just keep this simple for a minute and clear the complexities first:

 

Cabot do not act as a debt collection 'agency' they buy debt en-bloc...If they were an agency then they get 10% +/- based upon the value of the outstanding debt they are collecting against, they do not get ownership of the rights to the debt or anything like it, they just take a commission on the debt itself - or more spefically in this case - The Arrears which are due.

 

When Cabot buy debt the debt is Assigned to them and when a debt is assigned then the account as far as the OC is concerned and the LOP is closed. The Default would have happened earlier and when sold removed from the CRA and Cabot register their DN when they take the debt on. If the OC left their Default then they need to remedy that fast or suffer the fact that your credit history may be wrongfully affected. The Deed of Assignment - NO , Not the DEED the NOTICE of Assignment, sorry!....has to be sent to you by both the OC and Cabot, check this thoroughly. These cannot be called ' Arrears unless Cabot are continuing to carry out the functions of the original contract, the rights, duties and all contractual obligations under the original contract - which they don't, so this cannot be referred to as arrears, they bought the account in toto so if they are asking for all the monies then they are pulling a fast one and need reminding they are... Geez, do they never learn?

 

Have they begun charging you their 12% interest rates yet? Let me know if they have and that is a part of their claim.

Edited by andrew1
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Lets just keep this simple for a minute and clear the complexities first:

 

Cabot do not act as a debt collection 'agency' they buy debt en-bloc...If they were an agency then they get 10% +/- based upon the value of the outstanding debt they are collecting against, they do not get ownership of the rights to the debt or anything like it, they just take a commission on the debt itself - or more spefically in this case - The Arrears which are due.

 

When Cabot buy debt the debt is Assigned to them and when a debt is assigned then the account as far as the OC is concerned and the LOP is closed. The Default would have happened earlier and when sold removed from the CRA and Cabot register their DN when they take the debt on. If the OC left their Default then they need to remedy that fast or suffer the fact that your credit history may be wrongfully affected. The Deed of Assignment has to be sent to you by both the OC and Cabot, check this thoroughly. These cannot be called ' Arrears unless Cabot are continuing to carry out the functions of the original contract, the rights, duties and all contractual obligations under the original contract - which they don't, so this cannot be referred to as arrears, they bought the account in toto so if they are asking for all the monies then they are pulling a fast one and need reminding they are... Geez, do they never learn?

 

Have they begun charging you their 12% interest rates yet? Let me know if they have and that is a part of their claim.

 

Yes 12% interest is being applied.

 

There has been no statements from Cabot as part of the duties of the lender and the first statement only came during disclosure.

 

S

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THanks for all your help given folks it definately assisted in court today. However the matter has been adjourned until January due to defence and disclosure issues.

 

I will keep you all informed how I get on.

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Id say....not another I hope

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Sometimes manchesteruni posters are not what they appear to be and Cabot and other DCAs regularly monitor these forums and pretend to be genuine seekers of advice. However, the Fan Club has all its antennae twitching and can spot 'em a mile off.

 

They are often trying to trap you into giving details away or posing with a similar case to one that's at a vital stage to see if you can give them some idea of the argument. We're onto them. And Shaaan here may or may not be one such and we are very happy to be proven wrong which is why DonkeyB has asked "what are the issues"?

 

Their modus operandus is to post details of supposed cases, asking for help. Sometimes they even add the odd document but, let's be honest anyone can add a document with personal details edited out (or redacted as we all now like to say) and pretend to be that person.

 

The Cabot Fan Club frequently gets PMs from such and we are happy to give them the same advice we would give anyone on open forums. However keep your wits about you as they're here, they're there, there every flipping where. So stay alert!

 

Shaaan please give us details of your case and we'll be happy to help you as much as we can.

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Hi Rhia,

I hope this is not what you suspect.

I will certainly be more careful with who I try to help, even with my limited ability.

However, thinking about it, I wouldn't put anything past these snakes.

Come on Shaarn, restore my faith in human nature.

Rhia, any chance of running your eye over my thread:

http://www.consumeractiongroup.co.uk/forum/showthread.php?280050-Help-with-Cabot-Set-aside-hearing.&highlight=pabrmu

Edited by pabrmu
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oh right. Have to say I can't see anything that suggest that. And surely if they were a 'plant' they would be saying they lost in order to discourage people trying it themselves ? Shaarn has another thread on here about the same case too with copies of the illegible agreement on which probably gives a bit more info.

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Well let's see shall we? The devil being in the detail and all. And Shaarn if you are indeed a real person then do accept my apologies and ask the site team to merge the numerous threads you have started.

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