Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot claimform - old Citi Card 'debt' **SETTLED BY TOMLIN**


gettingsorted
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3466 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

It would appear that I am one of many who have in the last couple of days have had a letter from Cabot relating to an old citi card debt.

 

 

Citi were chasing me for this in 2006 and I was awaiting a phone call from their collections dept to discuss the debt

then all of a sudden nothing more was heard !

 

 

I cannot afford to pay them this money now and they are charging 12% p a interest.

 

 

I am busy trying to clear my credit record and repaying several old debts and cannot afford for them to put this into default now.

 

A substantial part of this debt is charges.

 

 

What do I do now; and if so how; do I begin to reclaim the charges.

 

 

If I put the account into dispute can they default me.

 

Suggestions would be appreciated. about where I go from here . Thanks for reading

Link to post
Share on other sites

  • Replies 336
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

When was the last payment made on the account.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi,

Send them a CCA request and count up the charges.

 

I've pulled this from another cagger SeriouslyFedUp......

 

If the card was taken out Pre April 2007 then you are protected by s127(3) which prevents a court issuing an enforcement notice in the event there isnt a properly signed agreement with the prescribed terms on it. Note that it doesnt mean there is no agreement or that it will go away - ONLY that enforcement through court is a dead end for them.

Post 2007 (like the one I have got) doesnt attract that protection as 127 (3) was repealed by the 2006 Act. So while they might not have a properly signed agreement, its open to the court to issue an enforcement notice unless you an show you have been prejudiced by this failure- which is pretty difficult.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi

 

You can either ignore them completely, particularly if nothing on your credit file - the debt is probably unenforcable anyway. If it is just a letter, they are probably 'fishing'. They will probably send threats or offers of reduced payments, which you can consider. Contacting them could just confirm that they have the right person and lead to more harassment OR you can request the original credit agreement as suggested.

 

I have a DCA chasing an old alleged Citi Card, no Credit Agreement produced so I have put the 'account in dispute' with the DCA. The account in dispute letter states that the DCA is prevented from processing your data.

There are two entries on my credit file from the OC and the DCA which are identical and according to the CRA, the DCA can do this as they have bought it and 'my original credit agreement' allows them to. I have disputed this as there is no credit agreement.

IMO If there is nothing on your credit file now I doubt if Cabot can legitimately add anything as they would nornally use the original default and you can dispute this if there is no agreement.

If Cabot try to add something to your credit file particularly if they have not confirmed who you are OR the account is in dispute you can challenge this.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Have had a look at the statements I have and there are charges, etc but the balance they have given me as outstanding is 1600 more than the balance on the last statement and communication I have from them. This communication was back in 2006 when I began to have difficulties and had contacted them about it but of course did not receive any further communication from them.

 

What do I do now - do I CCA and SAR them (for the breakdown of the difference) and place the account in dispute ? or do I just ignore them ?

Thanks

Link to post
Share on other sites

Personally I would ignore them. I think they are 'fishing' and contacting them could lead to further harassment. If the OC did not register a default on your credit file, I don't think that the new owner can do it now particularly as you have never paid them anything and if they try this, you can challenge it. They probably do not have an enforcable agreement anyway. The tool of DCAs is harassment particularly if they get your phone number. If you contact them you are confirming they have got the right 'fish'.

I stress this is just my opinion and the decision is entirely up to you.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Hi

 

 

There are two entries on my credit file from the OC and the DCA which are identical and according to the CRA, the DCA can do this as they have bought it and 'my original credit agreement' allows them to. I have disputed this as there is no credit agreement.

 

I am fairly sure that this is incorrect, I have been told on numerous occasions that you can have only one Default registered for each seperate debt. When the OC sells the debt the DCA should take over this CRA entry as it is only ever the first default date that should be used. They are not permitted to enter their own default. I will try and find the relevant confirmation of this for you.

Link to post
Share on other sites

Harassed Senior is quite correct. Only one default per debt.

 

What should happen is that when a DCA BUYS the debt (as opposed to collecting on behalf of the creditor) they then replace the original creditors name with their own.

 

If two defaults appear for the same debt (even if the dates are the same) one needs removing. If two defaults appear with different dates then the newest needs removing

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Thanks for that guys I really appreciate it! I have an ongoing battle with Equifax about this and will use this as ammunition as I thought it was wrong.

 

As Gettingsorted has no defaults registered by the OC- luckily, I am assuming that the purchaser cannot now put a default on there retrospectively.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

From the ICO Default Guidlines

 

The ‘sale’ or assignment of debts on defaulted accounts

 

52 When the rights to a debt are sold to a third party, the lender has to make sure the records with the credit reference agency are accurate, up to date and adequate. If they want information about the debts to continue on the credit reference file they will need to come to an agreement with the purchaser about who is to be responsible for this.

 

53 If the purchaser agrees to take control of the record, the customer should be informed that the debt has been sold or assigned and to whom. The credit reference agency file should be changed to show the name of the purchaser and that the rights to the debt have been sold or assigned. The purchaser should then make sure the record is kept up to date including changes to the amount still owed. The purchase should not affect how long the record is kept. It should be removed six years after the default.

 

54 Where the purchaser of the debt does not agree to take control of the record, the original lender, and at least in part the credit reference agency, will remain responsible if the original record is kept on the file. When the debt is sold or assigned, the customer will no longer owe any money to the original lender. If the record is not removed, the sale or assignment should be recorded and the balance should be shown as zero. The customer should still be told who the debt has been sold or assigned to.

 

HTH

 

S.

Link to post
Share on other sites

  • 2 weeks later...

Well , I ignored them but have today received a letter from Fire Ltd demanding payment immediately and telling me to contact one of their agents by telephone.

 

Any suggestions what I do now - now starting to worry a bit !

 

The balance has gone up more than £50 in a fortnight !

 

Thanks

Link to post
Share on other sites

FIRE is Cabot, same printer, different letterhead.

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

You can either still ignore as they are still fishing or send the following with a £1 postal order. If they do not reply to this you can put the account in dispute then they cannot charge interest or conduct collection activities until they come up with an agreement. They have 12 plus 2 working days to reply. Send to the DCA chasing this.

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading
link3.gif
Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

I look forward to hearing from you.

 

Yours faithfully
**Edit to suit**

 

(Print do not sign signature
link3.gif
)

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Thanks for that - If I ignore what do you think the next move on their part would be ?

 

Have had paperwork from the credit agencies now and there is a default registered in the name of Citi about 12 mths after the last communication from them (2007) - I did not receive this default. I am assuming from previous posts that they cannot default me again but will try to chase the debt by threatening court, etc ?

Link to post
Share on other sites

If you ignore you may get more threats but I doubt if the debt has an enforcable agreement - my dispute with another DCA is a Citi card and I have not found any one here who has received an agreement yet. You can send the CCA request at any time if you feel threatened. There is an old thread that someone has just updated which may be of interest. link below:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?53926-Citi-Cards-Cabot(1-Viewing)-nbsp

Please support CAG and they will support you.

donate

Link to post
Share on other sites

  • 2 weeks later...

Well - the phone calls have started ! two so far - one which I refused to speak to them when they identified themselves and then my OH answered and said I wasn't in. I have begun to list the number of calls.

I therefore have decided to request the CCA; should I SAR as well so that I can see how the charges have totted up since my last statement.

Link to post
Share on other sites

Yes - CCA request as outlined above. If they are ringing there is a telephone harassment letter that you can send also - I will find the link. Don't engage in conversation with them, refuse to answer any security questions and just say in writing only, I will not discuss.

 

If it is anything like my Citi card agreement, you will be waiting a long time!

 

There is an account in dispute letter to send if no valid agreement sent within 12 plus 2 working days of posting.

Edited by coledog

Please support CAG and they will support you.

donate

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...