Jump to content


  • Tweets

  • Posts

    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
  • 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
  • Recommended Topics

Cabot/Mortimer claimform - old Cap1 card 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2879 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

Good Morning

just received a load of paper work from these solicitors not sure if I have been on here about this before

the letter says we have reviewed the file following the issue of our clients claim

you filed a defence

 

In order our client could provide you with the documentation

we were ordered to place your account on hold and take no further action in relation to the proceeding's

until we received the requested documentation from our client

 

it then says please find attached

 

Credit agreement

credit card statements

our clients statement of account

Your Defence

In your defence you deny all knowledge of this matter.

We enclose a copy of our previous correspondence providing background of the claim

 

Our clients position is that the enclosed documents clearly evidence the debt

The credit agreement bears your signature

 

The way forward

It is not clear what your defence to this agreement is

we as that you set out the precise legal basis of any defence within 14 days

 

Alternatively our client would like to settle matters without the need for further court proceedings

We therefore we ask you put forward repayment proposal's to address the outstanding balance

 

The next page then offers a 40% discount

 

then there's a letter explain the background

saying it relates to a credit card agreement for capital one entered on the 11/2011 terminated 05/09

the debt and agreement has been assigned to Cabot financial (UK) ltd

 

sorry so long winded but wanted to give as much info that I have received as I could

 

Many Thanks

Link to post
Share on other sites

might bear signature BUT is it a compliant CCA1974 , i..e. were all T&Cs present at inception?? other parts seems they are begging you to pay up as they may have no case?? seems we need lot more info from you as the peeps can give you advice via a full picture of the situation taken out when etc etc etcf

:mad2::-x:jaw::sad:
Link to post
Share on other sites

so when did you get the claimform

and on what date did you file your defence.

 

its quite usual for this lot to find the paperwork

or what they think is enforceable paperwork

 

after the claim has been stayed for years down the line

offer a discount

in the hope you'll fall for it.

if the claim is stayed

then if they are serious next move is theirs

pay the fee and lift the stay

rarely happens.

 

 

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

When you sent off your defence

did you ask for all the relevant information to prove you owed the money

or did you also include £1 and a CCA request?

If the latter then they are a tad short of the legal requirements.

 

 

You have to be wary of "signatures" since it is quite easy to reconstruct the original agreement

using a new blank form filling it in and lifting your signature from a letter of yours for example.

 

The dates relating to the opening and closing of the credit appear to be the wrong way round.

Could you please confirm that the last payment MADE BY YOU

[sometimes companies pay in a small sum to an account to extend the time of it being barred] was 11/2011.

Shame you don't live in Scotland as it would already be statute barred.

 

However the fact that they are offering a 40% discount instead of getting 100% in Court

would suggest that they are not sure that they have a strong case.

 

 

For instance once you are in arrears the creditor must send you annual statements.

If they haven't done so they are not allowed to enforce the debt as per the Consumer Credit Act 2006.

Link to post
Share on other sites

So theyve issued a claim.

 

Then you called their bluff, and they didnt have the right paperwork.

 

Now they are supplyign what they said is the right paperwork, but now theyre offering a huge discount despite the claim being ongoing?

 

Make sur eyou stick to those court timelines, Theyre pulling a fast one on you AND abusing the court process too.

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

:D

Link to post
Share on other sites

the court claim form was sent to me on the 15th Jan 2015

acknowledge by court on 27th Jan 2015

 

 

last letter from Mortimer Clark on 04/02/2015 saying they have received my defence

then saying it relates to capital one credit card entered into on the 05/11/2002 to 22/05/2009

the debt as been assigned to our client cabot financial

we have requested documentation from our client we shall forward this to you on upon receipt

in the meantime the matter is put on hold

Link to post
Share on other sites

then ignore them as post 4

I guessed right.

 

 

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

Thank you for confirming the dates of your credit card Dillon. As you have paid nothing since 2009 the debt is now statute barred. This means that you can no longer be taken to Court as the

debt is way too old. The creditor can still ask you for the money but you are under no obligation to pay.

 

I know dx100uk says to ignore and normally that would be my reaction. However in this instance you have, I imagine, been put under a lot of stress and worry over the threat of a Court case

that would never even get as far as a Hearing since the Court would throw it out if Cabot were stupid enough to try. It is the sheer bare faced effrontery of Mortimer Clarke to ask you what your defence is to the fact that they have sent you apparently your original contract knowing full well that the account has been statute barred for almost 7 years.

 

It is up to you of course but I would be raising merry hell if I had been put through all that when Cabot and their solicitors are fully aware that what they did is an unfair business practice.

Indeed the OFT in their Guidance on Debt pamphlet which states that a business trying to recover a statute barred debt in the way that they did with you could be considered as using an unfair or improper practice calling their credit licence into question.

 

These days debt collection is undertaken by the Financial Ombudsman Service but I have no doubt that they too would take a poor view of Cabot using your lack of knowledge of statute barred debt to trick into paying by threatening Court action that they knew they could not undertake.

Link to post
Share on other sites

Thank you so much guys

so helpful if the court would not enforce this

why did I get a claim form from them on the 15th Jan 2015

 

Also they are saying I have 14 days to reply

and if I agree to a settlement figure they are instructed to send me a Tomlin order

So if I just leave it they can't do nothing is this correct ??

Link to post
Share on other sites

They're bluffing you and misusing the court.

They don't care if it's sb.

They will still lie, cheat and anything else to extract money from you.

It's how their business model works

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

:D

Link to post
Share on other sites

Thread moved to Financial Legal Issues

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

Link to post
Share on other sites

So it's sb and they have no paperwork, yet they're still bluffing you and trying to use a tomlin order to get you to fall for it? I'd be inclined to tell them two words...

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

:D

Link to post
Share on other sites

Thank you so much guys

so helpful if the court would not enforce this

why did I get a claim form from them on the 15th Jan 2015

 

Also they are saying I have 14 days to reply

and if I agree to a settlement figure they are instructed to send me a Tomlin order

So if I just leave it they can't do nothing is this correct ??

 

 

its what called a speculative claim...

hoping for a default, rubberstamped uncontested judgement.

you defended and called their bluff.

 

 

end of the matter now

unless they want to pay and lift the stay.

 

 

for a 2002 card an unsigned CCA is no good in court

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...