Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • 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

Cabot Claimform - old Welcome secured loan - now applied for SJ & Lift the stay ***Claim DIscontinued***


amac31
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1692 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

  • Replies 99
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 9 months later...

Thanks unclebulgaria67,

 

Ascent legal have applied to lift the stay and there is a hearing on the 24th of September.

 

In our original defence we requested that we be allowed to submit a new defence should they produce the documents relied upon for the case.

 

They produced the dubious documents several months later so how do we go about submitting a new defence based on the fact that the alleged documents are not in any way shape or form true representations of the originals and have been created/doctored to suit the needs of this case?

Link to post
Share on other sites

Received a letter from them this morning in response to a letter I sent them outlining our situation financially, physically and mentally.

 

They have said that "their client is keen to resolve the matter without further recourse to litigation" and can we fill out an income and expenditure form with proposals of payment for their consideration. If we can agree suitable repayment terms the client ( Cabot ) would look to vacating/cancelling the hearing.

 

The whole point of this is the fact that we cannot afford to live at the moment.

I have a long term progressive illness that means I cannot works again and my wife works for just above the minimum wage and sometimes can only work part time due to my hospital visits/stays and having to care for our children.

 

We as a family of 4 rely on her wage and tax credits to survive.

 

Is there any point in trying to negotiate with them when we can realistically not afford to offer anything towards their claim of over 11k or should we just take our chance with the judge at the hearing? 

Link to post
Share on other sites

can you scan up what they have sent to ONE multipage PDF

read upload

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... 

Link to post
Share on other sites

what are they litigating over?

its a secured loan ?

so they are going for a CCJ?

 

please also complete this:

 

 

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... 

Link to post
Share on other sites

Do you want the letter sent today or everything prior? there is probably over 30 pages.

 

It was a secured loan that was later rewritten.

They issued proceedings in February 2017 but the case was stayed because they could not produce the paperwork.

 

They sent out the dubious paperwork in November last year

then we received the court papers a few weeks ago to say that they were applying to have the stay lifted on the grounds that our defence was no longer valid as they had produced the paperwork.

 

We would also like to know why they are going for a CCJ when the loan is secured but the problem lies with the legal charge.

The copy they sent us in the paperwork contains my wife's married name and so does the alleged credit agreement sent to us.

 

Both have her married name handwritten on them but both are signed by her in her maiden name because the loan was took out 2 years before we were married.

 

We have obtained the original legal charge from land registry and it is correctly in my wife's maiden name.

It looks like the documents sent have been altered/doctored to suit the needs of the case.

The legal charge has an account number crossed out and our account number written in.

 

Our defence is that these cannot be true copies of our agreement as she was not known by that name at the time and we have typed documents from the original loan ( before the rewrite ) in which her name is correct and typed in not hand written in both the loan agreement and the Legal charge.

Link to post
Share on other sites

reading back the thread to 2014

you state you still had the original documents?

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... 

Link to post
Share on other sites

get scanning what they have sent please.

one multipage PDF only

read upload.

 

and get that Q&A link done and post up the org defence you filed 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... 

Link to post
Share on other sites

[if there are more than one defendant listed - tell us]

2 defendants, me and my wife ( not wife at the time of loan )

 

Name of the Claimant ? Cabot Financial Ltd

 

Date of issue – 08/02/2017

 

 

Particulars of Claim

 

What is the claim for –

 

1.By agreement(s) entered into by the claimant and the defendant. The defendant has failed to pay the sum of 11k+ .

 

2.The claimant has requested payment but the defendant has failed to pay the sum demanded.

 

3.The claimant claims the sum of 11k+ and interest under s.69 of the County Courts Act 1984 at a rate of 8% per annum from 7/02/2017 until judgement or sooner payment.

 

4.Costs.

 

5.The claim does not include issues under the Human Rights Act1998. The claimant has complied with sections III and IV of Practice Direction Pre Action Conduct of the Civil Procedure Rules.

 

What is the total value of the claim? 11k+

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

 

Did you inform the claimant of your change of address? N/A

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Secured Loan

 

When did you enter into the original agreement before or after April 2007 ? After

 

Do you recall how you entered into the agreement...On line /In branch/By post ? In branch

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned/ Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? Yes but mine is dated 2 years before my wife's

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? We were in financial difficulty and we lodged a complaint about being harassed for arrears at work etc.

 

What was the date of your last payment? July 2012

 

Was there a dispute with the original creditor that remains unresolved? Yes

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes but no DMP.

 

Scanning now

 

Do I send docs by pm or do I need to delete all personal details?

If I do this then you will not see the basis of my defence.

Link to post
Share on other sites

read UPLOAD carefully

 

yes we need to see your defence suitably redacted of pers info mind.

 

that POC is woefully bare

notice it says agreement

did they list any numbers 1 or 2.

 

as this is a re-write, then both must ne provided.

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Cabot Claimform - old Welcome secured loan - now applied for SJ & Lift the stay

I have wrote them exactly as they are on the original form, there is no mention of numbers 1 or 2.

I have scanned all documents I just need to remove information after the school run. The documents are scanned as best 

I can, the original quality of what I have been sent is not great.

Link to post
Share on other sites

then read upload carefully

and use the PDF reducer websites as recommended

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... 

Link to post
Share on other sites

using a a4 scanner @150dpi or using a phone/picture of each page?

 

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... 

Link to post
Share on other sites

No need for 600 dpi

read the upload guide

thats why we say @150dpi

else your files will be huge .jpg files

 

 

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... 

Link to post
Share on other sites

then i'm wondering if it was correct then....

 

use address A or B

or person A or b then.

but don't ID yourself no.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...