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    • This happened approx 18 months - 2 years ago. I have not been out of pocket. eBay instantly paid the money to me and then investigated once the buyer claimed the item did not arrive. They favoured towards the buyer and therefore made my ebay account minus £9000. Subsequently the ebay account got suspended and I since cut ties with it and no longer have access to it.  
    • Regarding "No breach of contract" where they have used E instead of F and that incorrect post code has always been there in subsequent PCNs including the first one,  does that not make it a valid point? because contract shows different postcode then PCN,  also if valid can this be moved under different section such as "No Locus Standi"? Since there is no mention of EV charging bay or its abuse in contract,  can same fact in point 3.1 be used under "No breach of contract"?  does the grace period of 10 minutes needs to be mentioned in terms and conditions signage?  
    • I am looking to help my father who has received a court summons for a RTA S87 (1) offence for not having a licence when requested to produce it by the police in December 2023 At the time of the alleged contravention my father was in the process of having his licence renewed following him turning 79 years of age in September 2023 (the licence is due for renewal every 3 years as i understand it). On the renewal application my dad disclosed a medical condition (Sleep Apnoea) and naturally, this resulted in a lot of follow up between the DVLA and his doctor, however his Doctor was not aware of any medical reason why he should not drive, and he continued to drive under S88 of the RTA. At no point was his licence revoked by the DVLA, however the DVLA did write to him in December 2023 to advise that they have been advised of another potential medical issue and asked him to provide details within 14 days or his licence may be revoked- he replied with the information and within 6 weeks his new licence was issued (the issue was not current, and is not affecting him now)   The alleged offence took place while the DVLA were processing his renewal, and given my father knew that he was fit to drive, he continued to do so. I am in some ways surprised that this has even progressed to court, because surely the fact that his license was eventually renewed in Feb-24 validates his belief that he was always fit to drive- nothing changed in his medical condition between September 2023 and the licence eventually being renewed in Feb-24.  Does anyone have any advice for how to handle this one? I have written to his doctor with a SAR to request the details disclosed between them and the DVLA, and for any other information that will help his defence. I was considering writing to the court to ask if the case could be held local to my Father, as the alleged offence took place far from his home- is this something likely to be granted?  
    • We tend to square the circle here rather than go along with the general consensus and what the media would have you believe  
    • And incidentally, the fact that you sell things and it's not your main source of income is not so far as I understand it, the legal test of whether or not you are trading.
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      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.

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Partially settled with a zero balance

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Help and advice welcome.


To end my debt nightmare a family member has offered to help me pay off my debt.

I wrote to Cabot saying that a family member was offering to pay £800 for a full and final settlement.


The original debt was for £4000 and was a CC.

There are no charges that I can claim back,

I just want this sorted before I move house.


Cabot wrote back saying.

“I am happy to accept the £800 you have offered as a one off payment to close the account.

If you still wish to proceed with your offer,

once the payment has been received your account will be closed

and your credit file will be updated to show as partially settled with a zero balance.”


I am not interested in my credit file or obtaining credit in the future.


Are Cabot trying it on by showing the debt as partially satisfied?

Could the balance be sold to another DCA?


If the family member wrote to Cabot saying that his offer is only made on the basis

that the balance won’t be pursued by themselves or any other DCA, would that be any good.


Any help or advice is very welcome.

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No they have recorded the situation accurately that you paid a reduced sum to settle the debt. Partially satisfied is just a note to other creditors that you did not fully satisfy a debt. The balance is zero, so no there should be nothing to sell on.

We could do with some help from you.



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

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i would be careful on this.


Having any debt on your credit file marked as part settled and any amount left outstanding.


There will be nothing in the future Cabot making a further claim.

What you need is write back to Cabot and get them to confirm that paying the £800 will result in a:


"Full and Final" settlement of the liability and that they will not pursue you for any shortfall at a later date.

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why pay this at all?



I take it you've already sent cabot a CCA request

and its enforceable & signed by you?



F&F offers are 9/10 a total WASTE of money

you might as well burn it for all the good it will do.



all you simply do by paying a DCA an F&F sum

is to fund another 1000'000 letters to spoof others..






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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