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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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      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.

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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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