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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Cabot/Nolans SPC Claim perth - Old JDW Cat Debt-


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My 2nd time here

 

last time was with Cabot a few years ago, and thanks to the sound advice from you guys it was satisfactorily done and dusted in my favour....
Although i have done this before, i thought id best drop by and just  go through the motions in case things have changed in the legal system or processes.

 

I thank you all again in advance for any help :) 

 

name the issuing court: Perth

 

Who Is The Claimant:  Cabot Financial UK Limited

 

Who Are the Solicitors: NoLans

 

What type of action? (Simple/Ordinary):  Simple

 

What is the claim for –

 

1.On or around 03 December 2017 the Respondent entered a Mail Order Agreement with J D WILLIAMS & COMPANY LIMITED under which the Respondent borrowed from them a sum of money repayable on demand. 

 

2.The said agreement was an agreement regulated under the Consumer Credit Act 1974. 

 

3.The Respondent failed to pay as agreed on demand and is in breach of contract with the said J D WILLIAMS & COMPANY LIMITED. 

 

4.The said supplier assigned all rights in the said debt to CABOT FINANCIAL LIMITED on 13 March 2019 and the Claimants have advised the Respondent of same. 

 

5.The said sum of £1,200.73 is the sum sued for. 

The claimants have made frequent requests to the Respondent to make payment of the said sum but the Respondent has refused or delayed to do so.

  

D4:

Date of Agreement – 03 December 2017 / Reference Number - #############/Unpaid balance - £1,200.73/Repayment on demand”

 

date of raised claim [or court stamp date from writ or date from ] :- 02/11/2020

 

Last Date Of Service [or from form 07]:- 25/11/2020

 

Last Date For Response [or from form 07]:- 16/12/2020

 

What Documents are listed in Box E2: No Documents Listed

 

Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- Catalogue

 

BOX D4 what has the claimant stated: IN FULL

 

Date of Agreement: – Yes
Reference Number: – is this the original creditors account number? unsure

how many digits does it have? 8 Digits
Unpaid balance: - yes £1,200.73

 

BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ]

 

The Claimants request that the court order the respondent to pay to them the sum of £1,200.73

 

from your knowledge: answer the following:

 

When did you enter into the original agreement before or after 2007? After

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- assigned to a DCA

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure

 

Did you receive a Default Notice from the original creditor?  Unsure

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure

 

When was you last payment:- Unsure

 

Why did you cease payments:- They just snowballed and I couldn’t afford to pay at the time

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

 

 

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  • dx100uk changed the title to Cabot/Nolans SPC Claim - Old JDW Cat Debt-
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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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  • 3 weeks later...

no-one else has reported this...

it should auto expand the box.

 

but read what is says above then

put it on a sep sheet!

 

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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In scotland from 1st December we can now use the online portal for response, so I ended up chopping up the response over the corresponding boxes online.  I've had a lot going on in my personal life and tbh haven't really given this the attention I should have.  I'll await and see what the courts say because I know tomorrow I won't get a chance to look at this

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which is why we always suggest using the written forms till they get their system sorted out.

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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typically if using the written form you do. the spc rules state you must.

but i'm unsure if filed via the new court web portal. go look.

 

you should NEVER be giving the fleecers nor their dogs an email address ever!

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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Haha, yeah I've read about giving up email addresses. If I did I'd use a temporary email address that self destructs after 24hours and state that all correspondence to myself must be sent explicitly via post.

 

As per I'm just counting on them not being able to produce any paperwork and the court dismissing the case.

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doubtful for such a recent agreement...

was this a BNPL item(s)?

 

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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Oh...😭...

 

It was a catalogue it I think it was like 0 interest for so long then after they upped the credit limit I got hit with interest and higher repayments if I recall.  I could be wrong though.  I just remember it snowballing and getting put to the wayside and forgotten about

Edited by Li4m79
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did you send the claimant a cca request?

 

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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Share on other sites

So received this today from the court just outlining the meeting in February which is gonna be a conference call but it's looking hopeful..

 

The  respondent  has  indicated  to  the  court  that  this  claim  wil  be  disputed. The  sheriff  has  considered  the  Claim  Form  and  the  Response  Form  and  has  given the  following orders:

1:    Case  management discussion The  sheriff  would  like  to  discuss  this  case  with  both  parties  before  ordering  a  formal  court  hearing.

2:  A case  management  discussion is  assigned  for  24 February 2021 by  conference  call,  time  to  be  confirmed.

 

The  Sheriff  has  given  the  following  orders/note:1)  Not  less  than  21  days  before,  the  claimant  is  to  reply  to  the  response,  in  particular  by  providing  evidence  of  the  alleged  debt,  any  contract  between the  respondent  and  the  original  creditor  and  copies  of  any  document  showing  or  tending  to  show  that  the  respondent's  lawful rights  as  a  consumer have  been  properly  discharged.

 

Everything else on the firm was relating to time place etc etc, but this bit stood out

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might be best to scan up the whole thing in case you have missed something.

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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Take note section point i.

is for you too!

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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proceed with what..it's not your court claim its theirs...

 

Case hearing...24 February 2021 by conference call, time to be confirmed.


The Sheriff has given the following orders/note:–
1) Not less than 21 days before, the claimant is to reply to the response, in particular by providing evidence of the alleged debt, any contract between the respondent and the original creditor and copies of any document showing or tending to show that the respondent's lawful rights as a consumer have been properly discharged.

 

...................

 

you need to then make an IA and send it .

 

Take note that:-
i. Not later than close of business two clear working days before the hearing, you must lodge intimation of your position, supported
by reasons, to the court and other parties;

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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thats ok Scotland and the words they use are strange.

intimation means tell for want of another word.

 

IA or incidental Application means you could pre empt this all by demanding the documentation by the use of one.., but the sheriff seems a smart cookie, though i dont like the use of the word tending

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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Ok so could I for example pit in a CCA request at the beginning of February for example and if Cabot don't adhere to the 12 days use that as an intimation of my position? Or am I way off the mark.

 

The way I understand the letter is they are wanting Cabot to produce the correct paperwork to continue?

 

But the last but that you have pointed out now is confusing me a little.

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i don't know why our response form sticky earlier has had the CCA request removed 

i've put it back 

send one to cabot now.

 

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 months later...

Just a quick update, I stupidly didn't post a CCA (a hell of a lot going on in my personal life just now) but that aside no evidence had been produced by Nolan's until I go check civil online today and they've posted up letter of assignation and a statement from Cabot with the figure due.  

 

I wouldn't have known this evidence was produced if I hadn't of checked online.  

 

I'm guessing I just have to hold my hands up now? Case meeting in tomorrow morning at 10am.

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