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    • Hi as this appears to be about a Parking Charge from a PPC,   I have moved your thread to the Private Land parking Forum, where you should get advice targeted to the situation   could you give some history about what the Invoice was for  and who the parking Contractor is  Did you appeal the charge, and it looks like you have had letters from the dreaded useless Gladstones demanding payment  Could you give the information asked for on this sticky and also post the  letter from gladstones to see if it is a Letter Before Claim/Action?    
    • it is also unlawful to change the ownership of a vehicle [or goods] to avoid enforcement action upon them. and this was done after you had already replied to the council regarding the outstanding ticket(s).   be careful upon pursuing a resolution arguing this point.   you could have quite easily changed ownership to gain a parking permit some months previously when getting the first windscreen ticket.              
    • I would start off by sending the bank an SAR. Which bank is it?
    • I agree with you DX100, but N/W don't want to play ball and send a copy of the agreement after 3 requests.  How will this stand if it goes to Court?
    • Sorry if this is in the wrong section as not sure where exactly its best suited.   So, we got the bank statement the other day & noticed 23 separate Xbox in game credit debits for Fortnite for £7.99 each over a 4 week period.  Now the daughter insists she didn't order anything.  And whilst most will say "of cause she would and just denying it etc" well, I'm not going to say I believe her even though I'm assuming using real cash to buy in game credit comes with a clear notification that your using real money (and stating the amount each time) to buy such in game credit.  And whilst I still need to check the Xbox security settings to see if as I think I did, I did set a security pin for purchases a few things are puzzling me on a legal footing and that mainly what I want to ask about.   As the bank statement indicates the card in question is an old card I had replaced and cancelled a while ago, about the time these transactions started.  When I ordered the new replacement I asked for the previous card to be cancelled.  2 weeks later I had to report the replacement card stolen\lost abroad and ordering another again asking for that card to be cancelled to prevent unauthorized use and money being taken from the bank account.   So, in the first instance I've already contacted the bank to enquire how and why they have allowed payments from an old debit card I had replaced and cancelled?.  They suggest that the card was never cancelled when the replacement was ordered and that the old card would remain valid until the expire date in a couple of years time!!!.  I asked them how on earth this can be the case as the replacement card has a completely different number and ordering the replacement should trigger (as per my request) cancellation and usage of said card.  The bank is suggesting otherwise as because the card was valid when setting up Xbox live that the card can always be used even if replaced regardless of reason it was replaced or if we cancelled the card.  They justified this action by saying the payments are continuous payments (similar to direct debit) and that's why they went through and referred me to Microsoft.   I pushed the issue and said they are not continuous payments but single individual 1 off payments that by nature (in game credit) and the number of payments (23 x £7.99) they could never claim them to have been continuous payments as a pre existing agreement for such payments for the game in question would have to exist and have existed when the card was valid which it doesn't.  And therefore these payments should not have been made because they are neither continuous payments and come from an old debit card that was replaced and cancelled.  The bank sort of agreed that these payments maybe are not continuous payments yet are now unsure where I stand.  So I have been referred to there disputes department.   Feeling I'm going to get the same run around on the rights over taking payments from an old replaced card that was supposed to be cancelled, I'm wanting to know what members think on a legal footing?.  As its like the bank saying I can use the same old & replaced debit card details to order items online because its still in date even if replaced & cancelled which I find highly unlikely!.
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B3rty

Cabot letter potential legal action.old MBNA debt

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Hi

 

I haven't been here for a while and therefore a little out of touch with current practice. Thanks to the help of CAG I managed to win my battles with DCAs quite a few years ago.

 

I have an old credit card debt which is off my credit file and owned by Cabot and for 6/7 years have paid them a nominal amount each month.

 

They send the odd letter asking me to up the payment but I never respond as these are computer generated and I prefer to let sleeping dogs lay.

 

Just had one threatening potential legal action if I don't contact them. I just wondered if they every follow through or if this is best ignored.

 

They don't stand a cat in hells chance of a CCJ as its an old CCA agreement without prescribed terms, however, I do acknowledged the debt and I am making payments.

 

Just interested to know if anyone's had one these and whether they do follow up?

 

Thanks

 

B.


Live Life-Debt Free

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What's the debt about


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Thread moved to the appropriate forum until such time an actual claim form is received.

 

Regards

 

Andy


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Hi Andy

 

Thanks, I'm not too fussed about the claim as I've dealt with them before, albeit a few years ago and it was just a feeler to see if these letters get followed up so i could prepare myself.

 

I had the letter a couple of weeks ago and they put a 14 day deadline on it. The debts under £2k so I feel it may be just blustering to get me to call and agree a higher monthly payment.

 

The irony is I'm not really much better off than when we agreed it 6/7 years ago, so I could call them and go through the rigmaroll of the income and expenditure, its just that i dont see why I should.

 

B


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So you are already paying then?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Yes, I am not a won't pay just a can't pay.


Live Life-Debt Free

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God b3aty this is like pulling teeth

So what's the debt all about?

Have you already a thread?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Sorry, I'm not being evasive.

 

It's an old MBNA CC debt that's now owned by Cabot, I have a copy of the original agreement which I obtained from MBNA about 10 years ago and there are no prescribed terms so it can't be enforced by the court.

 

I entered into an agreement to make payments and have made these for the last 6/7 years every month with out fail and ignore any correspondence from them to review, This letter is a little different because it gave me 14 days to call them or they would instruct a solicitor ( in-house paralegal I expect) to pursue the debt.

 

My question was to see if these letters lead anywhere or just fizzle out as most do. I am aware that once you reply or answer a call then it triggers you to the top of their " pester" list, however, if they push this across to their legal dept i may need help to compose a suitable letter.

 

B


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they can instruct a solicitor or they can instruct the firm's cat, it doesnt make a difference to the legality of it.

 

 

They are not threatening to take you to court at all but hope that you have read it as though they have and you fell for it.

leave things as they are

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if it cant be enforced in court why are you blindly paying them?

 

 

if you've not sent cabot a CCA request

do so

put them to strict proof.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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