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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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Cabot, Mortimer Claimform - cat JD Williams TA Marisota 'debt'


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Today I have received a claim form for a debt with Cabot for a catalogue debt

to JD Williams TA Marisota.

 

Its for Northampton county court dated 6th August.

 

How do I follow this up now with CCA requests etc?

 

I Have successfully defended 2 other claims with help from here

but it was about 6 years ago and

I can't remember what to do.

The amount is for £385.81 plus costs so totals £470.81.

 

I haven't paid anything on this account for about 4 - 5 years,

my hubby is no longer around and I lost my job so couldn't afford to pay.

 

Thanks for any help

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yes ack the claim

 

defend all on MCOL

 

get a CCA request to Cabot off

 

and a CPR to the sols.

 

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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pers I would.

 

CPR details are in the legal section of the library tab top left

 

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 weeks later...

Well Ive just received a reply from Mortimer...

 

'Further to your letter we are taking our clients instructions in relation to you request and will come back to you as soon as we can.

We confirm our client is willing to agree to the extension of 28 days for you to file your defence. Purusant to CPR 15.5(2) please notify the court in writing of the agreement.'

 

What is my next step now, I am going into hospital next Thursday for a major op and will be in for a few days and then have 8 weeks recovery time so want to make sure I sort things before I go in.

 

Thanks :)

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Can you answer the questions raised in this post here please

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

 

It will give the legal guys the information they need to go on.

 

If the date of issue is 6 August you have 33 days from then (including 6th August) to file your defence so you have time.

 

No need to rush to get the defence in at the moment.

 

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Thanks

 

Name of Claimant - Cabot Financial (UK) Limited

 

Date of issue - 6th August 2014

 

What is the claim for - By the agreement between J D Williams T/A Marisota ("Mari") & the defendant dated 18/09/2008 ("the agreement") Mari agreed to issue the defendant with a credit account upon the terms & conditions set out therein. In breach of the agreement the defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claimant on 13/01/2012. The claimant has complied with sections III & IV of practice direction - pre-action conduct. The claimant therefore claims 1. 385.81

 

Value of claim - £385.81 No interest shown added.

 

Claim is for a catalogue

 

Original agreement entered 2008

 

Debt purchaser has issued the claim

 

Yes I received a notice of assignment

 

Not sure if I received default notice from original creditor

 

Not been receiving statutory notices once a year

 

Ceased payments due to personal circumstances, hubby was no longer around and I lost my job.

 

No dispute with original creditor

 

Did not communicate any financial problems with original creditor due to the circumstances why hubby was not around.

 

Is this right? Not sure if I've answered evrything I need to.

 

Thanks again.

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We could do with some help from you.

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Thanks very much :)

 

Is this ok?

 

Particulars of Claim

 

1.By the agreement between J D Williams T/A Marisota ("Mari") & the defendant dated 18/09/2008 ("the agreement") Mari agreed to issue the defendant with a credit account upon the terms & conditions set out therein.

 

2. In breach of the agreement the defendant failed to make the minimum payments due & the agreement was terminated.

 

3. The agreement was assigned to the claimant on 13/01/2012. The claimant has complied with sections III & IV of practice direction - pre-action conduct. The claimant therefore claims 1. 385.81

 

 

 

Proposed Defence

 

 

 

a specific response has not been made.

 

1. Paragraph 1 is accepted. I have in the past held accounts with Simply B however I am unaware of any outstanding balances as alleged and it is therefore denied until such time the claimant can clarify and

comply with my request under section 78 of CCA1974.

 

2. Paragraph 2 is denied XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.

 

3. Paragraph 3 is denied and the Claimant is put to the strictest of proof on the same. The Defendant contends that no notice pursuant to s.136 & 196 has been served upon him by the Claimant as alleged or at all.

It is denied the claimant has complied with sections III & IV of practice direction - pre-action conduct.

 

Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement/contract with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim.

 

 

 

3. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

4. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of

 

the consumer crediticon Act 1974.

 

5. On the 11th August 2014 I made a legal request by way of a section 78 request to the Claimant. The Claimant has failed to comply and therefore is in default of this request and as such unable to request

 

any relief until compliance.

 

6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Edited by Andyorch
Particulars added for cross checking
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Particulars brought forward and defence tweaked...you will have to complete your point 2.

 

Regards

 

Andy

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

 

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Thanks again, I dont need to add the particulars of claim to my defence do I? Sorry just have brain drain since my op and can't think of what to write, saw this in the post you linked, would it be ok as stands true? Thanks :)

 

Paragraph 2 is denied and the Claimant is put to the strictest of proof on the same.

 

(a) show how the Defendant has entered into an agreement/contract with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim.

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No need to add the particulars...that is there just to draft and check your defence in that you are responding to each and every point that the claimant pleads.

 

So you now state that their paragraph 2 is denied ...you didnt miss any alleged payments and the agreement was not terminated?

 

Andy

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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Sorry, I read the wrong part. yes i missed payments, cont remember getting a letter of termination but the letter from Cabot saying they are asking for payment does this count as termination?

 

Can I just write paragraph 2 is accepted?

 

Thanks

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Sorry, I read the wrong part. yes i missed payments, cont remember getting a letter of termination but the letter from Cabot saying they are asking for payment does this count as termination?

 

Can I just write paragraph 2 is accepted?

 

Thanks

 

Better to state it is denied because you never received a default notice from Simply B...if that's the case?

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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Ah bum, I just filed as I needed to get to bed. I accepted I didnt make payments but never received any default notice. I know when you miss payments you are supposed to get one but I didn't. Probably messed it up now, so ill at the moment and haven't got the energy to do this so will just see what happens next.

 

Thanks for all your help.

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  • 1 month later...

I got a reply a couple of weeks ago saying - "We are taking our clients instructions in relation to your defence and will come back to you as soon as we can. We will place this matter on hold until we hear further from it."

 

In the meantime I have had another claim form from the same, Cabot/Mortimer but for a different debt.

 

 

I acknowledged the claim and sent off CCA and CPR requests.

 

 

Today I have received a response exactly the same as the above one but also a without predjudice letter offering me 40% off the debt

and a form to fill in for my financial position and saying if I agree they will send me a Tomlin order.

 

 

Why have they sent this for this debt and not the previous one and I plan on ignoring the offer. Is this the right thing to do?

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There is no right or wrong ER its your decision...I personally would sit tight and wait for both to be discontinued.

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

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if they are offering a discount there more to be had then they are offering 99/100

get an sar off to the OC

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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