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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Cabot threatening me with bankruptcy


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Hi everyone

 

I too have recently had one if these letters.

 

Mine relates to a debt Cabot got from a store card.

There is nothing showing on my credit file as the original default is over 6 years old but I'm not sure if I have acknowledged the debt or made a token payment of any kind in the meantime.

 

What should I do now, can anyone advise please as I'm obviously keen to avoid anything further from happening.

 

The debt shown is just over £2,000.

Thanks in advance to anyone who can help us out with these letters.

 

Sheffielder30

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Ok so first question is, when was the store card taken out and have you sent a CCA request

 

You mention BR, have they actually issued a statutory demand or is it one of the options they have mentioned in the letter i.e we may do xyz and we may bring the fires of hell down on your head?

Any opinion I give is from personal experience .

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Thanks for sorting that honeybee.

 

And thanks for the reply fletch. The card would have been taken out itself around 10-11 years ago I reckon and was defaulted more than 6 years ago.

 

I'm not really up on the legal terms but no I've not done anything as yet.

The letter they have sent is a we may do this or that etc and we could do this is by issuing a statutory demand as one of their options.

 

Hope that helps??

 

Thanks

Sheffielder30

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So a standard threatogram that is automated and meaningless.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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It is a pretty standard letter however I would be sending a CCA request off

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974.

 

This will not class as an acknowledgement .

 

Do not sign it ( I always use a fancy differnt coloured font from the pc) and if you are sending a cheque then use someone elses (again lots of people will get the other half to sign it) or send a oostal orde for the £1 fee. Send it by royal mail signed for.

 

Cabot will either write and send a copy of the agreement terms etc (might take them a while as they will have to go to the original creditor) or write back saying we don't have one.

Once that happens the next step can be decided (all you are asking for is the information to help you determine your position)

 

It might be that any agreement they send is not legally enforceable or as i said they might not have one

 

If they send a good agreement you may then want to send a SAR to the original creditor to find out when the last payment was made and if there are any PPI etc you can try to reclaim

Any opinion I give is from personal experience .

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That's great, thanks for the replies.

 

I was hoping it was just some kind of last chance saloon for them that I may call and offer something.

 

I know you say I'm not acknowledging the debt by sending a request for data but would this not show to them that I am at least worried and encourage them to keep rattling the cage so to speak?

 

Thanks for all your help

 

Sheffielder30

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Hi

With every letter I used to send to Cabot, I always headed them with:

 

"I acknowledge no debt to you nor any company you claim to represent."

 

That is telling them straight.

 

I can't actually remember any threads on CAG where Cabot have gone for bankruptcy (could be wrong of course) They mainly go for CCJ's (unless they are starting to follow Lowells tricks)

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The letter is of course designed to make you pay up and to scare you a little as well. I have more of those than I care to think about. Everytime a new DCA comes on the scene I get the same sort of letter. I am surprised there is any more red ink left in the world with the letters I have had from Wescot.

 

Ignoring it will in all likelihood will not make it go away especially if you have a job or assets. In fact ignoring it may IMO make it more likely they will go for some sort of judgement as they may think you will not bother to defend.

 

I am not sure if you have said...when did you last make payment on or acknowledge the debt in writing ( I know you said it was defaulted more than 6 years ago) ...0h I see you are not sure.

 

I do think the CCA request is the way forward as it will a) let you know if they have an enforceable agreement and b) let them know that you know something of your rights.

 

If the CCA comes back enforceable then it would be SAR time to find out when the last payment was. I suspect that the CCA will not come back as enforceable due to its age

Any opinion I give is from personal experience .

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That's great thanks for everyone's help.

 

I'm sorry to be a little slow but is the CCA request the one where they have to prove they have the credit agreement signed by me??

 

I'll have a good look round for the template letters etc and see how I get on.

 

Everyone's been a massive help, can't thank you enough!

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That's great thanks a lot.

Once again, amazing help from you guys on here!!

 

Where fletch states they suspect it won't be enforceable, does this mean they can't provide it to me or is there anything else I should look out for to check if it's enforceable or not?

 

Thanks again for everyone's help!

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Wait and see if they respond first......

 

 

Regards

 

Andy

We could do with some help from you.

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Depends on the age of the debt...if they really want to enforce they could re create an agreement...try not to think too far ahead wait for a response...consider and then plan.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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As Andy says wait and see. It was probably unfair of me to say I suspect as I have no proof of that.

 

Get that request off , wait until it comes back. I have just had one back after 18 months which I now need to deal with...so if they don't reply straight away do not worry

Any opinion I give is from personal experience .

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