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    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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fire service - moving blocking cars to access - where is it written down


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pub quiz thingy.

 

the resident 'expert' came out with a load of twaddle regarding 'what' the fire service can and cannot do to cars blocking their way in an emergency.....

 

i know they can move them and what they can do etc... he was convinced they can 'bounce' but not drag!

 

but where is it written down in terms of laws or statute please...

 

ta

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It is an interesting question. I honestly do not know, but I believe thay have no legal right at all to touch any car. However, in an emergency situation it is unlikely they would actually be prosecuted for criminal damage even if they did scuff your alloys etc. Their insurers would (I presume) cover any claims for the purpose. Clearly it is a cse of priorities, someones life has to be more relevant and important than a replaceable car, but as far as legislation is concerned I would imaging it may be more along the lines of excemption in a similar way to police and red lights. No actual right to go through, but won't be prosecuted if an emergency etc.

 

Only my opinion I must emphasise. Interesting question though.

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no

they can bounce ,

drag

and even turn your car on its side to gain access

i know that

 

but where is it written?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no

they can bounce ,

drag

and even turn your car on its side to gain access

i know that

 

but where is it written?

 

dx

 

They can do all of the above, but they can call the police to do it in an emergency, I assume Police are covered?

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no......they don't have to get/wait for the police either......

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Here is what my partner emailed me from the Fire Service

 

"I have asked around and the consensus is that we no not have any legal right to move vehicles. If the vehicles were parked on the premises of where the fire is and were preventing the crews reaching the fire, it is believed we would be legally covered to move them. However, if they were legally parked and we moved them, the FRS would be legally responsible for any damage caused.

The only legal thing we can do is break into a property or an adjoining property if a fire is suspected."

So the simple answer is that there is no legislation covering this

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s.44, Fire & Rescue Services Act 2004 seems to cover it:

 

(1)An employee of a fire and rescue authority who is authorised in writing by the authority for the purposes of this section may do anything he reasonably believes to be necessary—

(a)if he reasonably believes a fire to have broken out or to be about to break out, for the purpose of extinguishing or preventing the fire or protecting life or property;

(b)if he reasonably believes a road traffic accident to have occurred, for the purpose of rescuing people or protecting them from serious harm;

©if he reasonably believes an emergency of another kind to have occurred, for the purpose of discharging any function conferred on the fire and rescue authority in relation to the emergency;

(d)for the purpose of preventing or limiting damage to property resulting from action taken as mentioned in paragraph (a), (b) or ©.

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thanks guys

 

just what i wanted.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The 2006 Act gives ALL of the Emergency Services considerable powers to ensure they can fulfill their task(s)

 

Emergency Workers (Obstruction) Act. 2006. 2006 CHAPTER 39. An Act to make it an offence to obstruct or hinder persons who provide emergency services

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The 2006 Act gives ALL of the Emergency Services considerable powers to ensure they can fulfill their task(s)

 

Emergency Workers (Obstruction) Act. 2006. 2006 CHAPTER 39. An Act to make it an offence to obstruct or hinder persons who provide emergency services

 

Would this then cover emergency gas repairs

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Sorry guys just found this one, as a member of the F&R service we often come across vehicles blocking our way to emergency jobs, by emergency I say were life is at risk.

If we cannot get through sometimes we have squeeze through causing damage to the parked vehicles which I assume our insurance will cover. At the time I was thinking off, the cops actually gave tickets to the cars we damaged for obstruction and got a statement off our driver.

I also do not know what legislation covers such action but think if there is a life in danger the cars can get fixed latter.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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s.44, Fire & Rescue Services Act 2004 seems to cover it:

 

(1)An employee of a fire and rescue authority who is authorised in writing by the authority for the purposes of this section may do anything he reasonably believes to be necessary—

(a)if he reasonably believes a fire to have broken out or to be about to break out, for the purpose of extinguishing or preventing the fire or protecting life or property;

(b)if he reasonably believes a road traffic accident to have occurred, for the purpose of rescuing people or protecting them from serious harm;

©if he reasonably believes an emergency of another kind to have occurred, for the purpose of discharging any function conferred on the fire and rescue authority in relation to the emergency;

(d)for the purpose of preventing or limiting damage to property resulting from action taken as mentioned in paragraph (a), (b) or ©.

 

Thanks for this Raykay I have printed it off and stuck it on our notice board, our driver reckons he wont be so careful next time and wants bull bars fitted to the front now!!!

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Just because they can legally do something it does not remove liability for damage it just removes any criminal charge such as criminal damage.

 

Correct.

 

As for a civil claim for damages it would depend on how the vehicle was blocking access. If it was obvious to any reasonable person that an emergency vehicle would have access problems then I suspect that the claimant would be considered the author of his own misfortune & contrib neg of 100%

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HI

 

As an operational manager for the FRS i come across this nearly everyday, the Fire & Rescue Act 2004 covers us for all things we believe hinder us. if the vehicle is parked illegally then sorry if we have to put it on its roof to move it then so be it , especially of is illegally park. However, our insurance covers any damage caused during operations , but from experience any car i've moved has been ticketed by the police and even towed on occasions

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pub quiz thingy.

 

the resident 'expert' came out with a load of twaddle regarding 'what' the fire service can and cannot do to cars blocking their way in an emergency.....

 

i know they can move them and what they can do etc... he was convinced they can 'bounce' but not drag!

 

but where is it written down in terms of laws or statute please...

 

ta

 

dx

 

 

 

 

 

 

:lol: I would not like to take part in your pub quiz dx :lol:

 

 

I Pity the poor quizmaster :lol:

 

 

 

:)

 

 

 

dk

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silly question to ask when he had not 'actually' researched the answers.............

just went on what cleverdick had already told him which i knew was wrong.

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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