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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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cabot and mens clothing catalogue debt


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Just received a letter from a DCA claiming ownership of an alleged debt and also in the same letter is another letter from the original creditor claiming to have sold the debt to the DCA, however the letter has obviously been produced at the same place as it has markings from the printer or computer that match identically with the DCA.

 

Also on the DCA letter it states the amount owing etc but next to it it states annual interest 12%. Now forgive me if i'm wrong is that them intending to charge interest on the amount owing?

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The letters are proper notices of assignment,

as to the interest it could be but would depend

what the original contract allows for.

Who is the DCA and what is the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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But Cabot are pussycats by comparison.

 

Cabot are allowed to send an NOA on behalf of the OC, as Brig says. Was this a debt covered by the CCA, ie. is it a credit account? Did you sign anything, or sign up online?

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Not signed anything, although iirc a couple of years back i recieved a CCA signed by them as proof of debt validity. I'm sure i got the account online though a few years prior.

 

Was a credit account with a limit etc , each month a balance is worked out and a figure payable produced.

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moved to the cat forum..

 

check your cra too, see below

 

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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if it shos

 

get an sar off to the OC

 

and get reclaiming

unless you already have all the statements

 

have a read of a few threads here for info

 

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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  • 2 years later...

Hi, I have several debts that I owe,

 

one of which is being chased by cabot financial.

 

Cabot have now instructed solicitors to chase me up via a Bankruptcy warning letter

 

giving me 14 days or they will issue a bankruptcy petition against me.

 

the debt is £2500,

 

can they do that?.

 

I thought I would go to County Court?

 

Any advice or help please?

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you mean a statutory demand?

 

sounds like a threat-o-gram

 

tell us about the debt please

 

is this on your credit file?

 

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 idea if its on my file I gave up years ago bothering with that.

 

Debt is originally JDwilliams.

It is around £2500.

 

Debt being chased by Cabot who have handed it to WrightHassall solicitors.

 

Solicitors sent me a letter saying they have been instructed by their clients to review my case

with a view to serving me with a bankruptcy petition and obtaining a bankruptcy order.

 

The letter ends with I have 14 days to contact or they will issue a Statutory Demand.

 

Taken me back a bit to be honest,

 

I am tackling my debts but one or two at a time,

 

mostly when at court so its fixed in stone.

 

Bit worried I could lose everything now :-(

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well you are no stranger to court nor being fleeced by DCA's.

 

send JDW an SAR

 

a CCA request to WHS

 

most cat debts are 90% PENALTY charges anyway.

 

bet the letter does not say WILL anywhere.

 

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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they'll have to get a statutory Demand first mind (debt must be +£750)

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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Please remember that IF they do issue a SD it does not just magically vanish . You have to put work in to get it set aside.

 

The CCA request is very important IMO as it will give you something to fight any SD with (hopefully)

 

When was the account opened and can you remember if it was done on the phone, online , or by filling a form out

Any opinion I give is from personal experience .

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I know . Can you remember when it was opened ?

 

If it is genuine then they will probably take a repayment plan and there will probably be a lot of charges you can reclaim back ( Dx is pretty good at that) .

 

If it was taken out before 2005 they will need an actually signature

Any opinion I give is from personal experience .

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Ok

Well I think the CCA request and the SAR are important.

If you have a lump sum available you may want to consider a full and final offer, if not maybe a payment arrangement.

A lot depends on your circumstances, do you have assets and/or a half decent income. I have neither so would happily say make me BR but it is quite serious as you say

 

 

When was the last payment and default?

 

DX is the man for reclaiming I believe

Any opinion I give is from personal experience .

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I have a reasonable income.

 

not much spare cash but just beginning to have a little spare each month.

 

I am happy to pay back the debt but not at the ridiculous levels they usually demand but what I feel is affordable.

 

No lump sum available.

 

I have been in debt for a number of years and have been to court etc.

 

still settling debts and still have several outstanding.

 

Never been threatened with bankruptcy before though.

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Ok Well it's hard to advise but as they probably paid a pittance for the debt try to negotiate a low payment.

 

This is quite useful at working out what is allowed https://nedcab.cabmoney.org.uk/quickfs.asp.

 

All i can say is that for example, my real food bill is much less than suggested but when I am working it out of course it is near the limit,

 

I really do suggest looking at reclaiming fees etc

Any opinion I give is from personal experience .

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Thanks Fletch.

 

I have had a look and if it is the debt I believe it is (although no details link to the original debt like account numbers etc) ,

 

when Cabot first took it on it was only for £2083

but now their solicitors are claiming £2500 something.

 

The Cabot letter originally stated a 12% interest,

 

can DCA claim interest too?.

 

If I CCA the soliciotrs or Cabot and SAR the original creditor maybe, will that hold up the threat of them starting bankruptcy stuff?.

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