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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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British Credit Trust - now Cabot hassling from a loan they bought


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My boyfriend has finally pulled his head out of the sand with his debts following a divorce from his ex 2 years ago.

 

When BF and his ex were still married they took out a joint loan to get some new windows from British Credit Trust.

 

Payments were made until after his ex left when he could no longer cope with paying all the debts she left behind.

 

His ex hasn't paid anything towards the mortgage or secured loan (from Welcome Finance) since she left in 2009.

He stopped paying the BCT loan in early 2010 as he had nothing left to live on.

 

A few DCA's have popped their heads up but quickly vanished when they could not provide paperwork.

 

Early last year a 'bailiff' turned up at the door demanding payment from my BF's 18 year old son.

BF phoned the 'bailiff' and made an immediate payment over the phone.

I think he was spoofed by some DCA just trying to get money.

 

All went quiet until November 2013 when Cabot started phoning non stop.

I fired off a letter telling them to put everything in writing and sent them a CCA Request.

 

They have replied saying they will provide everything in writing from now on and they have managed to provide a copy of the CCA along with statements.

I can scan these and post them up if it helps.

 

A few questions though.

 

Since the loan was joint is the ex not liable for half of the loan?

 

There was PPI added to the loan is there any way of reclaiming this with interest at their rate?

 

On the statements they have added 'repossession fees' of £114 as well as letter charges of £25 a time (total of £450)

and late payment surcharges of £42.41

 

is there any way of having these removed from the amount owed?

 

Any help will be very much appreciated.

:cool::cool: Blondmusic :cool::cool:
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all the PENALTY fees at their int rate

as well as the repo fee.

 

using the cisheet

 

as for the PPI

 

link 1 below

 

sadly he will owe the whole lot regardless to it being joint.

if they cant fid the ex.

 

however. i'd no pay them a penny till reclaiming is done.

 

you mention welcome..

they'll have spoofed him with 'compulsory' insurances

look out for MIF too.

 

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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Not sure if this helps but you should read this (I know that this is regarding First Plus but you may also have such a clause in your contract)

 

Ruling AGAINST First Plus Interest Rate Changes

HTH (Hope This Helps) RDM2006

 

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This is from Jan 2006, is that before the regs changed?

 

The signature is on page 2 with T&Cs on pages 3 & 4.

 

Enforceability might apply here, although that isn't a guarantee, it might give some leverage.

 

If it becomes difficult to collect from your BF, they might go after his ex instead ...

 

There's nothing wrong with your BF telling them where his ex lives, if he starts paying, they will most likely come after him for the lot.

 

Take a look at the link in post 5 - it might apply

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as a side note

 

there is PPI to reclaim there

and all those PENALTY charges

and repo fees

 

I bet that'll wipe out the debt anyhow

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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PS how the heck can you have repo fees on flippin double glazing!!

 

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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am I being thick here?

 

Total amount of credit £5357.97 (total loan £5357.97) payable by 119 instalments of £99 plus 1 of £144- certainly not £5357.97

 

now opening statement balance £11925,

 

agreement seems to fall way short of the 1983 regs Schedule 1,

 

must show amount of credit plus int and other charges as THE TOTAL PAYABLE

 

- am I missing something?

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British Credit Trust were Thames Credit

they were renown for these tricks.

 

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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well to me your ag is totally flawed and in breach of s60/61 cca1974 and improperly executed.

 

The total amount of credit is wrong, which makes the early settlement figs a nonsense ( which they refer to as within the period of HIRE)

and secondly as a restricted use debtor creditor supplier agreement

there must be a description of the goods,

there is none

  • Confused 1

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thats great. Thank you. So I will send Cabot a letter saying the Agreement is wrong and unenforceable.

 

About the PPI though.

 

We tried reclaiming off BCT but they told us to take it up with the broker, a company named Pinnacle Finance.

 

Unfortunately they no longer exist as they were bought out by a company called U Quote Us.

 

Despite several letters all sent recorded delivery we have not received a reply.

:cool::cool: Blondmusic :cool::cool:
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yea 2 words in it.

 

dx

  • Confused 1

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

TOR

can't see your calcs are correct sadly

 

total loan 5357.97

total int £6522.03 11.880+45 acceptance = 11925

 

99*119-11881

 

the first £144 makes it 11925

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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BM fill this in for the PENALTY charges [late payment surcharges/letter/repo fees]

put their int rate in cell d15

CISheet v101.xls

 

for the PPI: 708.97/5357.97*100=13.23%

 

so for EVERY payment you made

 

workout what 13.23% of it was

 

and enter that figure in on the day of EACH payment.

 

StatIntSheet v101.xls

 

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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Right I have done both of them.

 

The charges with the interest come to over £1600 and the PPI comes to nearly £1000 so thats £2600 in total. Cabot are chasing for nearly £7500!!!

Edited by Blondmusic
:cool::cool: Blondmusic :cool::cool:
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attach them please

 

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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go advance/manage attachments bottom right button

 

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

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