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    • 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. 
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    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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MBNA Virgin CC - Cabot CCA response


Fernigan
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For the record I am a resident in Scotland.

Virgin CC - default, sold to Cabot. They have previously offered to settle for 60% twice.

 

cabot sent me a letter saying they are still processing the request.

They've requested the information from the original lender.

Since they are unable to provide me the requested information they state the debt is unenforceable until they provide it.

They thank me for making payments towards the account and that I should continue to do so.

 

Am I right in thinking I should cancel my direct debit and not respond to this letter?

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They have 12+2 days to fulfil the request.

 

Once that expires, stop paying them.

 

Cabot know the rules, but theyre the lowest of the low and still try to bluff people into paying.

 

Mainly because they know 90% of debtors have no idea of the rules.

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

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  • 2 weeks later...

Cabot have replied saying they have been unable to obtain my agreement and should it surface in the future they will let me know although its unenforceable they will continue to chase payment etc...

 

While I know it's unenforceable at the moment is it worth trying to go for a low F+F as if like to put this debt to bed without the worry of the cca showing up further down the line?

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an F&F doesn't put it to bed and resets the SB clock

don't get taken in by some of the bad advice some sites peddle.

 

the CCA turning up is all cabot can do

and even then it wont be enforceable. I bet

 

please don't forget making people worry is ALL a DCA can do.

they are NOT BAILIFF

and have

ZERO legal powers.

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. no. no.

 

 

If they cant enforce it, you dont pay them a single penny. It is complete wasted money. You may think youre putting it to bed, but it already is. You may as well flush that money down the toilet. Literally.

 

Go spend it on something for yourself or family, and stop thinking a DCA can do anything to an unenforceable debt.

 

Cabot do not chase enforceable debts. They only deal with lemon debts and bluff and trick debtors into believing they have some kind of power. Please do not fall for it, simply because they MIGHT do this, or MIGHT do that, when it is extremely likely theyll NEVER do it.

 

Just keep hold of the letter that says its unenforceable incase another DCA comes calling when they sell it on.

 

Oh and dont think paying them will stop them selling it on. Theyll see youve paid, try and get more from you, then still sell the remainder telling the new DCA " here, this mug pays up easily. Try your luck".

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

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If cabot have it, then the debt is unenforceable. You just have to find out how. Please dont fall for their silly lies and tricks.

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

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  • 6 months later...

Evening all,

 

I sent Cabot a CCA request in November 2018 with regard to a virgin cc from 2016, they replied around January saying they could not find the agreement and therefore it was unenforceable. I stopped paying them.

 

Today I received a letter from Cabot stating that they have enclosed all of the relevant information following my request.

 

In the even that we have provided a reconstituted true copy of your credit agreement, for the avoidance of doubt this complies with the Consumer Credit (cancellation notices and copies of documents) Regulations 1983 and therefore complies with the obligations set out in section 77-78.

 

They consider the agreement is now enforceable and therefore we are entitled to obtain a County Court Judgement against you. However, we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.

 

It then goes on to tell me about the balance thats owed etc.

 

They have attached what they deem to be the agreement. It's then followed by some generic T&C's from Virgin followed by a statement of previous payments to Cabot prior to the CCA.

 

Whilst the name and address were correct on the agreement I find it very odd that it has a sentence saying I applied for the card through Uswitch Limited - I have NEVER used Uswitch to apply for a credit card (another site was used) - any advice on this?

 

It also doesn't appear to state whether it is a reconstituted agreement, it doesn't have a date the agreement was taken out, a credit limit or signature (not that it would since it was an online application).

 

Any advice on what one should do next?

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  • dx100uk changed the title to MBNA Virgin CC - Cabot CCA response

scan up the full return to ONE multipage PDF

read upload

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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total box roll

the 1st page contains not tick box or anything to show that you signed a compliant CCA agreement

its an application reply

 

the rest is just a pamphlet not naming you at all of T&C's that are generally available on the internet.

 

as for the statement

its on cabot letterhead for their system NOT from MBNA.

 

ignore them 

until/unless you get a letter of claim from a solicitor

 

 

 

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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It might be years before you hear from them again, just make sure you write to them with a change of address if you move house.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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So prior to getting sent that "agreement" I had previously offered to settle for around 5% in a bid to just be shot of it entirely. 

 

Shortly after that letter turned up in the post. Today I received a letter saying;

 

Thank you for your recent letter.

 

As per our letter dated xxxx we can confirm that your request under the section [77-78] of the consumer credit act 1974 as now been fulfilled. As such your account has been reviewed and unfortunately, we are unable to accept £xxxx in final settlement.

 

However we are pleased to confirm we will accept £xxxx *more than 3.5k on top of what I had offered however about £2k discount still applied*

 

Goes on to say how important it is I contact them prior to making any settlement etc. Am I correct in thinking something doesn't add up? Why offer such a large discount on a balance they day is enforceable 😕

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as post 11 

their CCA return is bogroll 

 

note carefully..they say..

As per our letter dated xxxx we can confirm that your request under the section [77-78] of the consumer credit act 1974 as now been fulfilled.

 

not that its enforceable.

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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yep PAP letter of claim from their pet solicitors

 

cant hurt to send a free SAR to MBNA.

 

 

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 mbna

 

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

its a branded credit card issued by MBNA

get reading up 

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...

30days 

no harm in ringing them.

 

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...

Morning, 

 

MBNA replied within the 30 days saying they were unable to locate an account with my details and to reply with any previous name and address. 

 

Card was taken out prior to moving however virgin would of had the new address for some time before the default. Given them the benefit of the doubt and provided the previous address. 

 

I assume they now have a further 30 days to provide the info? 

Edited by Fernigan
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you should of done that already

it says so in the guide.

 

pers i'd not worry about what time they have

cabot have gone radio silent so no rush..

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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