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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Cabot,3 claims in 1 claim form.


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I have received a claim form via Northampton from Cabot/Morgans. In the POC they are claiming for three different alleged debts.

One is for a Goldfish card which I have never had, the second is a loan from Egg that Egg have never proved I had and the third is an Egg card.

 

Is anyone aware if this is common for them to do this?

 

What I am concerned about is as this progresses through the court it will become very confusing.

 

I only have another day to put my defence in becasue I have been away and just come back to the find the claim form.

 

I will start by trying to find some threads on Cabot to find something similar in the meantime if anyone has first hand experience of this or can direct me to a thread it would be appreciated.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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Hi I don't think they can do this! Have you acknowledged service? Are your dates correct? From my total ignorance, I would suggest sending an embarrassed defence with the request that you can amend the defence if you get any documents through.

Have you sent off CPR requests for these documents (I'm guessing not if you have been away)?

You could also ping the triangle to ask the site team if they could give further advice.

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Thanks Cymru, I think they can, I have been doing a bit more digging and found examples of Cabot/Morgans doing this, I am reading through them then will decide my best plan of attack.

http://www.consumeractiongroup.co.uk/forum/showthread.php?250286-Please-help-Cabot-are-taking-me-to-court

http://www.consumeractiongroup.co.uk/forum/showthread.php?180858-VOLVO-v-CABOT-%28Bank-One%29-Help-needed-Court-Claim-received/page4

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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Any chance you can remove identifying/personal information and pop the POC up for us to have a look at :) Also, can we know the date of issue - top right hand corner under the claim number. That way we can keep on track with time line.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They really shouldn't be doing this - lumping them together in this way means that value of the claim is over inflated, therefore probably pushing it in to another track, not to mention complicating it for all concerned.

 

Firstly, you should contact them by phone to say that you've just received the claim form as you've been away, and ask them for more time to submit your defence - even if you acknowledge, now, you still wont have long to draw up 3 defences. Also ask if they intend on splitting the claims in to 3, as that will mean the whole process starts over again, from the beginning, and you should get 3 claim forms requiring 3 defences. Get something in writing, even by email, to verify what is agreed on the phone. Don't discuss the claim, or your possible defences, just focus on getting more time out of them. You can then write to the Court with the details, so they know what's going on.

 

It will be difficult sending CPR requests when the claim is in this state - even more so if they are going to split them, which it looks like they will need to do. Some CCA requests wouldn't go astray at this stage, though, as they are specific to those accounts, not the claim. See the template library, creditors letter.

 

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I am a little concerned that you havent acknowledged service in time ? Do phone Northampton up as well and explain the situation.

 

You can ask for more time under CPR15.5, but that needs to be agreed with the Opposition as Car2403 has already advised.

 

HTH

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Id disagree with Car on one vital point,

 

Pick up the phone yes, but do not rely upon that,

 

CPR 15.5 allows you to agree an extension of time for filing the defence, however, firstly you should back this up with a letter to the party confirming the contents of the telephone call, and secondly and most importantly, you MUST wrote to the court and advise them that you have agreed an extension of time,CPR15.5(2)

 

If you fail to advise the court you will get judgment against you,

 

but, this is why i said the importance of backing up the call in writing, as you then have an exhibit to put with your application to show you have attempted to discuss the matter with the other party.

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Id disagree with Car on one vital point,

 

Pick up the phone yes, but do not rely upon that,

 

 

Not sure you're disagreeing, really, when I said;

 

Firstly, you should contact them by phone to say that you've just received the claim form as you've been away, and ask them for more time to submit your defence

 

Then...

 

Get something in writing, even by email, to verify what is agreed on the phone. Don't discuss the claim, or your possible defences, just focus on getting more time out of them. You can then write to the Court with the details, so they know what's going on.

 

I love CAG because not everyone knows everything, but we all pull together and fill in the blanks. (Where there are some :whoo:)

 

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Thanks for the replies,

Citizen B, I am a little reluctant to copy the claim on here, even with with my details blanked out i still feel that to prying eyes it would be recognisable, paranoid? maybe, but I have dealt with Cabot before. Regarding time I managed to submit an Acknowledment of Service on the last day. The claim arrived at my house on the 24th August.

I have sent a CPR request to Morgans I used CPR 31.12, which in nutshell asks for want I want to see had their POC been particularised properly.

I will see what comes back from that.

 

CAR2403 "They really shouldn't be doing this - lumping them together in this way means that value of the claim is over inflated, therefore probably pushing it in to another track, not to mention complicating it for all concerned."

Thats what I am most concerned about, bit reluctant to phone but think I will have to.

 

Paul thanks for comments as well.

 

S

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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  • 2 weeks later...
  • 2 weeks later...

Morgan Solicitors have replied partly to my CPR request, although they claim to not have to,

 

"Please find enclosed........A copy of the signed credit agreement in relation to Goldfish account ref ..... and the full terms and conditions prevailing at the time of assignment"

 

What they have enclosed is not very legible.

 

The T&C's relate to Goldfish, I know I have never had a Goldfish account.

 

Do the T&C'c have to be what were in force at the time of opening the account or as Morgans say at the time of the assignment?

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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  • 2 weeks later...
Morgan Solicitors have replied partly to my CPR request, although they claim to not have to,

 

"Please find enclosed........A copy of the signed credit agreement in relation to Goldfish account ref ..... and the full terms and conditions prevailing at the time of assignment"

 

What they have enclosed is not very legible.

 

The T&C's relate to Goldfish, I know I have never had a Goldfish account.

 

Do the T&C'c have to be what were in force at the time of opening the account or as Morgans say at the time of the assignment?

 

 

 

In answer to your question, yes I think they do have to be from inception of the account. They need to show that provision was made within the original t&cs for the actions taken ie assignment of the account, and any variation of the t&cs.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have received Cabot/Morgans completed AQ, their estimate of costs is £6,800 yes that is six thousand eight hundred pounds!

 

I realise that this figure is to try and put me off, can anyone beat that? I have seen a few on here for £5000.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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Damn, that has made me feel like a mear minnow, i think I will through the towel in i cant risk paying those costs.

 

Hang on a minute just had a look for any evidence they may have produced, NOTHING!

 

Perhaps I will carry on after all.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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the basic principal is costs follow the event

 

Therefore, the loser pays the winners costs.

 

If you lose then you will face the costs of the losing party, there is a lot of misunderstanding about costs too, the Fast track has fixed trial costs, however, you will be liable for the reasonable costs incurred up to the trial, so while a standard fast track barristers fee is say £690 plus vat for under £10k claims, you could still face £35k costs in the lead to the trial

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  • 1 month later...

I have received a default notice dated a month after the issue of the court proceedings.

 

Also some statements that show late fees and charges which I did not know about.

 

Still very difficult to make any sense of it all, I have to write to the court soon to explain what attempts we have made to mediate/negotiate a settlement.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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Cabot have not shown to me they have any right to be collecting on these accounts.

 

The Judge has asked I enter into negotiation with them, surely I cant be critisied for not doing so?

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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  • 3 months later...

I have a Case Management Conference for this next week, does anybody have any experience of what I can expect?

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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