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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Help with Cabot - Santander current account overdraft and credit card


jims45
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It depends what it is in their Privacy Notice. They will pass details onto Anti Fraud agencies... But there is a secret market you might not know about...

All the big CRAs have products available to lenders which stores application data and then that information is available to other companies accordingly.

 

I had this once with Experian... I applied for a Tesco Loan at the time and my info was given to Experian in one of their products.

A DCA then used this information that had been stored at Experian to start spamming me with RoboCalls.

The DCA admitted & fessed up to it. Experian complaint yielded no results and referred me to Tesco who then said its in our Privacy Policy that we share information with 3rd parties.

 

But whats gone on... Whats made you ask this?

 

We could do with some help from you.

 

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explain more jim please

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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bank account varying balance is a give away but they cant see all that.

they cant see what you see

 

so why is this an issue?

are you worried because you have money that a dca might chase you?

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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Not yet but I have been reading up on DCA's and preparing myself for a battle with the nice folks at Cabot. They are currently leaving me alone so I have been doing some research, knowledge seems to be the key to avoiding the cash cow status:wink:

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ok

ive merged this with your existing cabot thread

better in one place then we don't have to ask q's already here again.

 

once you have the sar return.

things will be clearer

 

just because you might have money

makes no offs to a DCA

they couldn't careless

 

the automictic threat-o-pc will still spew out its garbage.

 

please never forget the golden rule...

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers.

 

if you really did owe that money

why didn't satans bank take yo to court?

why sell it on for 10p=£1? to a debt buyer....

 

think about it...…….

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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Thanks for your responses and apologies for posting in the wrong place. Santander have acknowledged my SAR request so I'm curious as to what that will show up. I see the point Santander would have tried to enforce the debt themselves if they thought worth pursuing:wink:

I'm starting to relax a little now:humble:

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Cabot have written to me stating the credit card debt is unenforceable also as the original lender does not have the relevant information:oops: They also state they cannot comply with my CCA request at this time.

I notice they have entered details of these debts on my credit file even though the debts are disputed I guess nothing can be done about that. I will be sitting tight and awaiting the SAR from Santander (if anything arrives).

Seems my Christmas will not be ruined after all:whoo:

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good another cash attempt thwarted.

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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  • 3 weeks later...
good another cash attempt thwarted.

 

Update on this: SAR from Santander has arrived most of which I don't understand however it does confirm Cabot bought the debts. There is a copy of an online bank account application with no signature and an illegible copy of a credit card agreement dated 2008 with a very poor signature that does not match the signature on my passport.

Both accounts show significant charges. Is the credit card agreement enforceable as there is confirmation it has been forwarded to Cabot.

Thanks and Merry Christmas to all:-D

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dunno have we seen it yet?

 

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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bogroll

 

go enjoy the holiday period

nothing to see here..move along.

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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no they've no provided anything

what you got in your SAr you keep to yourself!

 

dx

  • Confused 1

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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  • 4 weeks later...

Had another letter from my friends at Cabot.

 

When I originally wrote to them I stated that I had no assets and various health problems.

 

I informed them that as Cabot were unknown to me they were causing me a lot of stress.

 

This has triggered an "investigation" and today I received a letter enclosing various print outs of CC statements and a copy of the previously uploaded illegible CCA agreement for the credit card (nothing related to the current account).

 

The enclosed letter informed me of the outcome of the "investigation" and requested I supply confidential medical reports from my GP to confirm my medical issues and that I fill out an income outgoings report. The letter also states that both accounts are unenforceable!

 

I intend to place these papers in my file marked Cabot and ignore them but as always advice is appreciated. Interestingly the CC statements all show PPI payments:roll:

Happy New Year to all:-D

Edited by dx100uk
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Debt buyers requesting personal medical records.....whatever next :oops:

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  • 5 months later...

Update, new tactic from Cabot??

After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking.

 

Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile).

 

Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect).

 

I deleted the message and blocked the sender but I am curious as to what this ploy is.

 

I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock.

 

Have any other Forum members experienced the secure message approach?

Thanks in advance.

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Doesnt count

ignore

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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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nope.covered by the original agreement you signed.

  • Like 1

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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