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    • OK, good. So click on  https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-dec-2021/ Scroll down to  Q2) How should I defend? There you will find the template defence. Change (6) to (7) and add a new (6). 6.  In a second abuse of process, the Claimant is claiming legal representative's costs even though they have no legal representative and in fact are representing themselves. When you want file the defence on MCOL. You can do it this evening if you want, but we generally say to do it a few days before the deadline (24 May) to ensure nothing goes wrong at the last minute but at the same time to show PE you're not scared of them and want them to sweat.
    • I hope I'm wrong but this seems to suggest you've been had. The site operator strikes a deal with the car park owner but then suddenly can't get hold of him/her.  Really?  In a whole year?  In a world of smartphones/SMS/WhatsApp/e-mail? Anyway, please comment on the points LFI & I have made. 
    • Just to check one thing before filing the defence. They have no legal representative - right? I'm referring to the two "boxes" on the top left-hand side of the claim form.  Both show Parking Eye, right?
    • Your case is not looking too good at this stage. Not helped by the car park not appearing on Google Street view.  Interesting that UKPC seem to think that Walcot Yard is off Walcot Road when it is off Walcot Street. Part of Walcot Yard has the postcode BA1 5DW which is a building called North Range. You would have to find out where in Bath they would know the specific post code for the car park there since if it were the 5DW ending you may be able to claim that you weren't in BA1 5BG Walcot yard, Walcot Road, but BA1 5DW Walcot yard, Walcot Street.  But probably the main help would come from the site manager. A  written statement from him explaining the informal situation with the land owner or better still  finding out who the land owner is  and contacting them might help. though getting UKPC to cancel at this late stage will be next to impossible. I see they are trying to scam you out of £70 or is £60? 1. £160 being the total of the PCN(s) and damages. Amount Claimed ~170 Either way in this case the Judge threw out the whole case-please read it and understand it as you may be questioned on   G4QZ465V EXCEL V WILKINSON. Also please write to UKPC asking if the £60  charge includes vat and if it does, does it include vat and why should you be paying their vat. And what are the damages you caused? There may be other arguments you can raise when you receive their WS though they are often sent late to make it difficult to add to your WS. Time is of the essence though for some of the items above. their is no speed limit, now will do. 🙂
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Cabot/wescot - Is this RBS credit card agreement enforceable.


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My wife has been paying £4 since 2011 towards a debt allegedly due to a RBS credit card from 2004.

 

She has recently retired so we were looking at all our outgoings and noticed this. We queried it with Westcot who sent the attached paperwork and interestingly said it covered two agreements we had been paying token amounts to them for.

 

Clearly that can't be true, but now the query has been passed back to Cabot who apparently 'own' the debt. They resent the identical paperwork and are of the opinion its a valid agreement.

 

I'm not sure it is as there are no references to an agreement or card number, credit limit, or in fact anything that could tie it to an actual agreement.

 

What should be my next step please?

 

RBS CC agreement 2001.pdf

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  • dx100uk changed the title to Cabot/wescot - Is this RBS credit card agreement enforceable.

thread tidied

sorry you got missed

is that one page all they sent?

if so its meaningless bogroll

stop payments if this is the case

and sit on your hands until or unless you ever get a letter of claim

then we'll deal with them properly.

 

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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Thanks for your reply DX, Yes, thats all they have other than a print out of another sheet tagged on with my wifes details.

Good job they had that otherwise they woudn't have a clue who's the agreement was, lol.

I had a nice chat with the lady at Cabot today after a series of letters to and fro where they maintained it was a legal agreement.

When I mentioned it had no name, address, agreement number or even the creditors address, she said they can reconstitute the agreement.

She tried to say also that it was valid because thats all the original  creditor had sent them.

My point was that the the original creditor had sent them an invalid legal document.

All ended with her agreeing to put the account on hold for 60 days whilst she looked into my point of view.

I could do with something to push in front of them to accurately indicate what "MUST' be contained within the document.

I did mention that i had a complete agreement for another card in my name that did contain all the correct info and if, as she was maintaining, it wasn't required, then why have it on there?

I concur, it appears to be worthless.

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Never ever ring a powerless DCA

They lie!!

And they make you give away your defence should they ever go to court 

Never ever do that again!!

Writing only 

You've now given them time to go away and fake documents up and counter your defence 

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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