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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Cabot/morgan Claimform Morgan stanley card debt **struck out**


Hadituptohere
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Congrats, another victory for "The little people" ;)

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.:)

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Terrific news hadit - well done!! Perseverance, tenacity & determination are great weapons in pursuit of a good cause.

 

Great news for you. :D

 

Here's a few more links on costs for you ...

... see also #271 above, and the linked post about using N260 for costs here.

 

As well as invoking Kpohraror and Durkin for general - and maybe special - damages, you also have Mitchell for indemnity costs (#241 above).

 

Cabot's attempted con should prove quite expensive for them!

Oh dear, why do these things always happen to me - I don't beli...

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As well as invoking Kpohraror and Durkin for general - and maybe special - damages,

 

You should look at this thread before you quote Durkin:

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/264189-default-damages-supreme-court.html

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Meldrew thank you sooo much for your words of advise, along with many others you have helped me get my thick head around alot of what has being going on with the laymans approach.. really appreciated everyone, still just a little uneasy

 

 

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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Thanks fg - didn't know Durkin had been overturned. Must say, really doesn't look right to me. Makes you wonder if any of the judges actually bothered to look at CCA 74!

 

Nevertheless, the appeal related only to special damages. As Durkin himself says in his #8, in the context of general damages for a creditor's failure to verify a default before reporting it to CRAs,

"I understand that people are using the original judgement to good effect, particularly with removing defaults. I'm very happy about that. This appeal judgement shouldn't affect that.
It confirms that £8K is still available for those that have "validly rescinded" their credit agreement
"
[my emphasis]
.

Also, Kpohraror still applies too for general damages (now ~£10k), and Mitchell for indemnity costs.

 

Don't be disheartened hadit - time to blow the dust off your legal expenses cover and check the small print!

Oh dear, why do these things always happen to me - I don't beli...

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Don't be disheartened hadit - time to blow the dust off your legal expenses cover and check the small print!

 

Im sat with a coffee and digesting it with a rye smile :D

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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Im sat with a coffee and digesting it with a rye smile :D

... toast, I s'pose - it's a bit early for whiskey!!

 

Thinks ... at the end of all this, you might even find Cabot paying off 'er indoors's Abbey/Santander car loan!

Oh dear, why do these things always happen to me - I don't beli...

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Thinks ... at the end of all this, you might even find Cabot paying off 'er indoors's Abbey/Santanderlink3.gif car loan!

 

Now that would be nice ;)

 

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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  • 3 weeks later...
Thanks again Meldrew, gladly Job called off till next weekend after a wasted trip, Just checked our home insurance and it states Family Legal Protection 50000.00

 

Hadituptohere

I also have Family Legal Protection 50000 Through Bradford & Bingley.When I phoned for any legal advise or to cover any legal expense, they said debt issues are excluded and no help whatsoever was offered.My case is as follows:Morgan Solicitors have said that Contractual Liabilities and Burdens have not been assigned to Cabot (UK)-was Cabot (Europe) before !!

I joined yesterday and not sure how to use the Forum.I would like to bring the followig new tactic used by Cabot to everybody's attention and look forward to receiving members views/advise/suggestions. Cabot have filed a case against me as assignee of debts from Providian & Barclaycard.I requested true signed copies of agreements under CCA 1974-paid £1 fee.They sent me one from Providian-acopy of a 'Reply Card' card saying 'Please reply by 15th Dec 2000'-it has my signaturelink3.gif and dated 29 Nov 2000.No terms & Conditions.Another separate copy headed 'Financial And Related Conditions' which may be copy from any year-no link between the two.Willing to provide (not obliged as they are assignee) Barclaycard Credit Agreement when a copy is provided by the Assignor.My cheque was returned and they have stated that.

'You will observe that section 77 and 78 CCA74 states that ''The Creditor under a regulated agreement...shall give the debtor'' cetain documents.The Claimant also submits that it is an assignee of the contractual benefits of the agreement.Accordingly Cabot Financial (UK) Ltd(''Cabot UK'') is not the Creditor for the purpose of the CCA74 as defined by Section 189 of the CCA74.

The CCA states that the Creditoris ''the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law,and in relation to a prospective consumer credit agreement,includes the prospective creditor'' The Claimant in this case is the Assignee of the contractual benefits of the Credit Agreement and the Judgement.The contractual liabilities and the burdens of the Credit Agreement have not been assigned.The Claimants position is that as a matter of contract law,an assignment transfer the rights or benefits but does not relieve the Assignor of duties or burdons of liabilities to the other contacting party or entitle that party to enforce such duties or burdens of liabilities against the assignne of the debt.In the House Of Lords case of Linden Gardens Trust Ltd v Lenesta Sludge Disposals Ltd (1994) 1 AC 85,Lord Brown-Wilkinson stated that ''It is trite law that it is, in any event, impossible to assign ''the contact'' as a whole,i.e.including both burden and benefit.The burden of a contract can never be assigned without the concent of the other party to the contract...''Therefore, it is submitted that the claimant is an assignee and has not been assigned the burden or the liability of the the Credit Agreement.Therefore the Claimant is not bound by Section 77 or 78 CCA74 requests.

As we the Claimant is not the Creditor for the purpose of the CCA74, we return your cheque to you.

I have filed my Defence saying that there is no valid agreement and no monies are due to Cabot.

1)The Claimant has not provided true copy of agreement fully compliant with all the regulations made under the provisions CCA 1974.Proof Required.

2)No Statement of Accounts

3)No Default Notice from Cabot

4)No Notice of Assignment etc total claim £20645.62

Allocation Questionnare to be filed by 18/7/10.

Any advise will be appreciated.

Thanks

Ohm

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I think that youve made your point....

 

theres something strange here im sure

 

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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PT this is OHM's main post here

http://www.consumeractiongroup.co.uk/forum/legal-issues/264876-lost-against-cabot-3.html

 

And you also answered this aspect on Georges thread which ishere in a minute when I cut and paste...

 

Ta da! http://www.consumeractiongroup.co.uk/forum/legal-issues/264876-lost-against-cabot.html

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I think that youve made your point....

 

theres something strange here im sure

 

Hadituptohere

 

One of which is this:

 

My case is as follows:Morgan Solicitors have said that Contractual Liabilities and Burdens have not been assigned to Cabot (UK)-was Cabot (Europe) before !!

 

Cabot UK was not Cabot Europe before. It was Kingshill No.1 Ltd. Europe has always been the servicing company for UK/Kingshill.

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Hahahaha does anyone else like a chuckle???

 

Received this... they must be really really really desperate....

 

morgansMSDWpreaction.jpg

 

 

 

Now wheres that bog of unless you can provide all the docs that conforms to CCA74 letter that nocking around the site???

 

Hadituptohere

Edited by 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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Hi pt this is a different card same old rubbish theres nearly 1000.00 in charges on this alledged account and cabot havent responded to my enquiry of who do I sue for the illegal charges which was sent back in 2008

 

Hadituptohere

Edited by citizenB
Title amended

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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I dont understand, if this account is not subject to a claim then why are they waffling on about Practice Directions and Pre action Protocols. ?

 

HIUTH.. it might be better for you to separate this latest letter from this thread or other caggers might assume that it is still to do with the claim that was struck out. :)

Edited by citizenB

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Hi citizen B

 

Looks like its going to need a new thread if morgans are really foolish enough to continue with this one, will do if it progresses.

 

Been in touch with the County Court today and apparently theres a letter in the post, which I should receive tomorrow regarding the costs for my cabot/providian case

 

Hadituptohere

Edited by 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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Now wheres that bog of unless you can provide all the docs that conforms to CCA74 letter that nocking around the site???

Well, as Morgans have decided to invoke the Pre-Action Conduct Protocol, you could start by tinkering around with this:

RECORDED DELIVERY

 

Request for copies of documents

(Civil Procedure Rules 1998: Pre-Action Protocols)

 

Dear Sirs

Account/Reference [1234 5678 8765 4321] (IN DISPUTE)

 

Your letter dated **DATE** (received **DATE**) indicates that your client might commence court proceedings against me without further notice or warning.

 

As you know, I have long since requested from your client, under both the Consumer Credit Act 1974 (“CCA 74”) and the Data Protection Act 1998, evidence of the agreement to which both you and your client allege I am a party. To date your client has failed to supply any such evidence, but instead tried to persuade me that providing a copy of an application form discharges your client from further obligations under section 78 of CCA 74. Conversely, I have explained that a copy of a mere application form is not a lawful substitute for a true copy of the executed agreement as required by CCA 74 s.78 and prescribed by Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (“CNCD 83”).

 

I remind you that CCA 74 s.78(6) provides that a creditor whilst in default of a request made under sub-section (1) may not enforce the alleged agreement.

 

Notwithstanding the above and your client's persistent, unexplained and wilful refusal to supply a copy of an executed agreement in accordance with its obligations (the permitted omissions under CNCD 83 Reg.3(2) excepted), you have made plain your client’s intention to begin legal proceedings against me. Consequently this matter is now subject to the Civil Procedure Rules and your letter appears to be intended as a “letter before claim”, despite not complying with the Pre-Action Conduct protocol.

 

Therefore take notice that, I request you supply to me within 14 days actual copies of the following documents:

  • the executed credit agreement incorporating prescribed notices, terms and conditions applicable at the time the agreement was executed, and
  • any further or subsequent notices, terms and conditions relied on.

If you are unable to supply these documents please confirm discontinuance of your client’s claim.

 

Take note that this request is not made under either CCA 74 or DPA 98. It is under Annex A paragraph 4.2(7) of the CPR Pre-Action Conduct protocol, for a copy of alleged documents which I believe are relevant but do not have.

 

Should you ignore this request or try to circumvent it, I shall in due course make another under CPR 27 or 31.15, as appropriate. If you fail to comply with that request, I will ask the court to strike out your client's claim as an abuse of process due to lack of reasonable grounds. The application will refer to this and previous document requests, and apply for costs.

 

FOR THE AVOIDANCE OF DOUBT, I DO NOT ADMIT THE EXISTENCE OR VALIDITY OF AN AGREEMENT WITH OR DEBT TO YOU OR ANYONE YOU CLAIM TO REPRESENT.

 

Yours faithfully

You'll need to adapt it to your own circumstances. Firstly review what's happened so far on this particular issue, then edit the the text accordingly, chopping or modifying any bits that don't apply in your case.

 

 

Edited by Meldrew
tautology; 2nd edit:formatting corrected after transfer to new thread
  • Haha 1

Oh dear, why do these things always happen to me - I don't beli...

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Hi everyone

 

Cabot have been foolish enough to pass their alledged account on to there litigation team (can you hear my knees knocking from there???)

 

 

 

Hadituptohere

Edited by citizenB
Title amended

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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Cym, I will be moving your post to the new thread so your post doesnt look odd :D

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/268157-hadituptohere-same-crowd-different.html

 

Link to Hadituptohere's latest saga....

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Thankyou Meldrew thats just what i was looking for

 

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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And many thanks to citizenB, your a star.

 

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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