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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Baines & Ernst now CCCS - many debts


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I am 43 years old and currently on a DMP WITH CCCS for the past 6 years, Bad times..:sad:.

But i have got a £40.000 debt down to £11.000 and not long left ..Good times:-) :-)

At first I was with BAINES & ERNST but left them as they were taking a fee each month for there services .

 

 

My first bank acount was with the HALIFAX and B&E suggested i change accounts to make life easier as i owed £750 overdraft with them.

i joined LLOYDS TSB for 2 years but left them and finally settled with the NatWest.

What i would like to know is could i repay the balance i have left owing the HALIFAX with the charges that i know i have paid to them over the years i was with them. Unfortunatley i think it is past the official 6 year limit.

I owe them £240.00 so could i get them to consider settling this overdraft ..!!

 

 

:( 

 

I am not best pleased with myself for almost bankrupting my family 7years ago had it not been for my calming and loving wife. It all started when i got a job that at the time paid 3X more than i was on so all the credit and debit offers came flooding in and like a kid in a sweetshop we wanted it all without thinking it through. Reality struck home way down the financial ladder when we was taken to court and issued with a CCJ and told that we almost qualified for financial ruin .I never thought that i would break down the way i did...:sad:

We started using Baines and Ernst to help setup a monthly budget and for a few years we carried on maintaining the monthly payments until one day i came across a site that on second look did not charge any fee they were CCCS. So straight away we changed to the free service. We have been with them now for 3 years and pay £459 through them to our creditors pro rata.

7 years is a long time to pay and I cannot find all agreements from the creditors we owe what should we do next!

Thanks

Spuddly[/font]

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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:( :( []

 

 

 

I am not best pleased with myself for almost bankrupting my family 7years ago had it not been for my calming and loving wife. It all started when i got a job that at the time paid 3X more than i was on so all the credit and debit offers came flooding in and like a kid in a sweetshop we wanted it all without thinking it through. Reality struck home way down the financial ladder when we was taken to court and issued with a CCJ and told that we almost qualified for financial ruin .I never thought that i would break down the way i did...:sad:

We started using Baines and Ernst to help setup a monthly budget and for a few years we carried on maintaining the monthly payments until one day i came across a site that on second look did not charge any fee they were CCCS. So straight away we changed to the free service. We have been with them now for 3 years and pay £459 through them to our creditors pro rata.

7 years is a long time to pay and I cannot find all agreements from the creditors we owe what should we do next!

Thanks

Spuddly[/font]

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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  • 1 month later...

Hi All,

i sent five letters out on 14th march by recorded delivery requesting an original copy of my credit agreement from each of the companies and so far only 1 has replied .. Cabot financial.

Here is a copy of the letter...

 

 

Card type : associates credit card

Card number:XXXXXXXXXXXXXX

 

Dear mr XXXXXXXXXX

Further to your previous communication regarding the above referenced account

We have today contacted Associates to investigate your query, and hope to resolve this matter swiftly.

Although we anticipate a reply within the next 21 days, it can take up to 8-10 weeks if the information we require has been archived, and we therefore request your understanding in this matter.

 

Yours sincerley

 

emma roberts

customer relations department.

 

 

end

 

 

So a reply to one ...!! what about the others...? any help would be appreciated

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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This isn't an acceptable response. The 12-working day limit to comply isn't set by you or Cabot but by statute. The clock is ticking and Cabot are well aware of that and hope you are unaware of your rights.

 

If they default, as they surely will given this response, wait for them to commit the criminal offence (that's a calendar month after the 12 day limit expires) and report them to OFT.

 

You should not receive letters/calls demanding money because the Cabot letter, useless as it is, acknowledges the matter is in dispute. If you do receive letters file them - keep the envelopes too. If you receive calls tell them the matter is in dispute, ask the caler for their name and position within the company and make a note.

 

Complain to Cabot and ask them for details of their complaints procedure. Under the new Financial Services Ombudsman (FOS) regime, which comes into frce next Tuesday, they must provide you with this. If they don't report them to the FOS outlining what you have done, what they have done and, of course, what they haven't done. If the FOS decides to investigate that's £400 from Cabot straight away whatever happens. If the FOS finds in your favour he could impose financial sanctions on Cabot of up to £100,000.

 

You should do the same with the other scoundrels chasing you.

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Good advice there. Definately don't help any of the DCAs out, it's their job to prove the debt, not yours.

 

Cabot have their own little sub-forum here which makes VERY interesting reading. It might be worth cutting and pasting your thread into it, there's a group of dedicated Cabbites who would be most interested in reading it :)

  • Haha 1

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Good advice there. Definately don't help any of the DCAs out, it's their job to prove the debt, not yours.

 

Cabot have their own little sub-forum here which makes VERY interesting reading. It might be worth cutting and pasting your thread into it, there's a group of dedicated Cabbites who would be most interested in reading it :)

 

Yep great shout DJ....Spuddly-- Start a seperate thread for your Cabot Fiancial stuff in the Cabot thread...THere's quite a few of us that will help you over there with your Cabot 'problem'!! :D

Just hate every DCA out there

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I will put this thread in the section dealing with cabot and THANK YOU ..to everyone for your support:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi All,

i sent five letters out on 14th march by recorded delivery requesting an original copy of my credit agreement from each of the companies and so far only 1 has replied .. Cabot financial.

Here is a copy of the letter...

 

 

Card type : associates credit card

Card number:XXXXXXXXXXXXXX

 

Dear mr XXXXXXXXXX

Further to your previous communication regarding the above referenced account

We have today contacted Associates to investigate your query, and hope to resolve this matter swiftly.

Although we anticipate a reply within the next 21 days, it can take up to 8-10 weeks if the information we require has been archived, and we therefore request your understanding in this matter.

 

Yours sincerley

 

emma roberts

customer relations department.

 

 

end

 

 

So a reply to one ...!! what about the others...? any help would be appreciated.

I have started this thread in general debt section but suggested i move it here. i was not sure how to move the entire post.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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And Presto!!! As if by magic, tis done. :)

 

Thanks, Anon o Mod.

 

So, it could take up to 10 weeks, eh? Silly Cabot. You KNOW you don't have that long. Why aren't you getting ALL the docs in your big bundles of misery that you buy. You know you should really, but you don't. Even though you KNOW by now that the chances are high that you'll be asked for them. Oh, but of course. The CCA doesn't apply to you, does it?

 

OR SO YOU THINK!!!!

 

I guess my ranting means, don't let them fob you off ,Spuddly me old china. They do only have 12 working days, etc etc from when they got your CCA. Let us know how you get on. :)

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Hi, i sent a cca request to Cabot on the 28th February 2007, and I received this letter, it must be a standard one, I still have not heard a thing off them, and will not be reminding them of the Legal Commitment .

I would just sit and wait for the calender month from the 12 days to run out as you have already been advised,

Happy waiting,

Regards,

Rinydinkydoo:)

 

 

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  • 3 weeks later...

Hi all,

 

I havent had any communication from cabot since first letter 26th march 07 so i can only assume they dont have my credit agreement as i requested and are taking money from me unlawfully so i will be sendng them this Thanks to Diskmandave

Like this

 

Dear sir

 

I refer to my letter dated 17/03/2007 which was delivered via Recorded Delivery to your offices on20/03/2007.

 

You have failed to supply the requested documents. The documents I requested should be readily available as proof of your legal right to collect this account.

 

In my letter of the 14/03/2007 I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment. In addition a full statement of my account should have been sent to me detailing all debits and credits to the account from the time Cabot purchased this account, along with any other documents mentioned in the credit agreement.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, as defined under Section 189 of the CCA 1974.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, your company commit an offence. These time limits expired on 04/04/2007 and 04/05/2007 respectively.

 

As you are no doubt aware, Section 78(6) states:

 

If the creditor under an agreement fails to comply with subsection (1) -

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore on 04/05/2007 this account became unenforceable at law and no further payment will be made by myself to the account, as you have failed to comply with a request for a true signed copy of the said agreement, and other relevant documents mentioned in it, and failed to send a full statement of the account and failed to provide a true copy of the Deed of Assignment, under the relevant sections of the Consumer Credit Act 1974. Further, i do not acknowledge any debt to Cabot.

 

I require the following action from Cabot :

 

1. All payments made to date to Cabot for this account should be refunded in full, including interest at the rate of 8% per annum.

 

2. Removal of all defaults entered by Cabot. Note this is to be a complete deletion and not merely an amendment.

 

3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years.

 

4. After a full refund of all payments with interest and compensation are received by myself, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.

 

If you do not respond positively to my request, court action may be taken under Section 14 of the Data Protection Act 1998 to force Cabot or any other company within the group to comply with the refund of all monies paid, removal of all defaults maintained and compensation for damage and distress as a result of unlawful data processing. I may also pass the matter to the relevant enforcement authorities including, but not limited to, the OFT, the Information Commissioners Office, Trading Standards, the CSA, the FOS and my local MP.

 

I look forward to your reply within 14 days to resolve the matter amicably.

(final date before action 25/05/07)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi all,

 

I have requested the credit agreements for 5 separate companies that i currently paying on DMP and have gotten only one copy of an actual agreement the other four i am sending trading standard letters to letting them know i no longer acknowledge the debt as they have not provided me with copys of my agreement.

My question is:

should i also report each one in turn to the Financial ombudsman service

as well as sending letters.

 

The guilty partys are :

cabot

citifinancial

2 X paragon financial

 

Thanks

Spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Sounds worthwhile, report them to anyone tha will take notice

 

More to the point, how far over are they on your requests?

 

Past 12 workings days + 1 calendar month?

 

If so I'd be looking at writing and asking for the money youve paid via DMP back, plus all your data being removed from 3 rd parties (Equifax, Experian, CC etc) with immediate effect (in the case of cabot the data request would also go to the original creditor)

 

Anyone else agree with this stance?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thanks they are

past 12 days and 30 days up on 04/05/2007

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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sent trading standards letters to citifinancial, CABOT and one ofthe PARAGON accounts the other PARAGON account are playing for time ( see PARAGONS UNDERHAND TACTICS post)

 

 

will report each one to FSO also i

will contact D M P after bank holiday to cancel payments .

 

spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi all, i have been reading around this site and come across this sticky posted on 17th april 07 by gizmo111

 

 

A debt becomes unenforceable under the CCA if a creditor does not supply a true copy of the signed credit agreement within 12 working days of it being requested, after a further month the creditor has committed an offence. This offence can be reported to the Trading Standards Authority (in the creditors area, not your local one), or the FSA.

 

The debt remains unenforceable for as long as the creditor fails to produce the signed credit agreement – this means if they produce the agreement some months down the line, they are quite within their rights to enforce it. They do not need to take any further action to enforce the debt. A debtor cannot take any action against the creditor for failing to produce the signed credit agreement within the prescribed time, because that is up to the agencies that the offence has been reported to. Any sanctions that may be imposed are at the discretion of these agencies, and it is not a matter that the debtor can take to the civil court.

 

If a CCJ has already been entered against a debt, then there is no point in requesting the agreement under the CCA, if your intention is to argue that the debt is unenforceable, since the debt has already been enforced. You can however request a true copy of the original signed credit agreement if you wish to check original terms and conditions etc. If they do not supply it then your only recourse is to report them to the aforementioned agencies. It would be very difficult to prove that they didn’t have the agreement at the time judgment was entered.

 

It is imperative that you continue to pay any debt under the terms of a CCJ.

 

Issuing a court claim for non-compliance of a CCA request in all probability achieves nothing to benefit to the debtor, as a court claim is likely to spur a detailed search which could well end up with them producing a perfectly acceptable original signed agreement in court – which would result in the debtor losing the case, and being made liable for the creditor’s costs.

 

If after requesting a true copy of a signed credit agreement the creditor fails to produce it, it does not mean that the debt does not exist, because at the end of the day the debtor spent the money and therefore they owe it and need to pay it back The debtor may now however be in a good position to make a full and final offer to clear the debt.

__________________

 

 

i thought the whole process of sending CCa and Trading standards letters would resolve the situation of no credit agreement between myself and the creditors thus allowing the debt to be written off and any funds paid by me returned as they have committed a criminal act by not complying to my earlier dated and recorded letters of request.

 

Have i gotten the whole process wrong !!

should i have bothered anyway....!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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i thought the whole process of sending CCa and Trading standards letters would resolve the situation of no credit agreement between myself and the creditors thus allowing the debt to be written off and any funds paid by me returned as they have committed a criminal act by not complying to my earlier dated and recorded letters of request.

 

Have i gotten the whole process wrong !!

should i have bothered anyway....!!

 

No CCA makes a debt unenforceable. It still exists... but it can't be enforced. Basically, if they can't produce an Agreement, it's as good as written off because they are unable to pursue it by law.... and after 6 years from last contact, it becomes statute-barred anyway.

 

:)

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Hi priorityone,

Thanks for the quick reply,

as you may know at the moment I am on a DMP with CCCS i have had no response after sending approppiate letters and waiting 12 and 30 days so on tuesday 08/05/07 i am stopping payments to these 4 grabbing bstdos would you agree on this course of action .....regards spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi priorityone,

Thanks for the quick reply,

as you may know at the moment I am on a DMP with CCCS i have had no response after sending approppiate letters and waiting 12 and 30 days so on tuesday 08/05/07 i am stopping payments to these 4 grabbing bstdos would you agree on this course of action .....regards spuddly

 

I would agree with your actions :) However if the do ever come up with a CA (Unlikely I know) remember that they can enforce it via the courts

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Hi priorityone,

Thanks for the quick reply,

as you may know at the moment I am on a DMP with CCCS i have had no response after sending approppiate letters and waiting 12 and 30 days so on tuesday 08/05/07 i am stopping payments to these 4 grabbing bstdos would you agree on this course of action .....regards spuddly

 

Definately ! :)

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Thanks for the positive feedback, after all is said and done with these leeches all i was after in feb was a CCA for £1 as i had no previous experience in these matters i now feel much more confident in dealing with this subject.

spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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finally getting my house in order

Telephoned CCCS today and canceled three off my list

1...citifinancial

sent CCA 17/03/07 recieved 20/03/07

reply 24/04/07 no agreement

sent failed to comply letter 01/05/07

sent S.A.R - (Subject Access Request) 08/05/07

sent FOS complaint 08/05/07

WON.......http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

 

 

2...CABOT

sent CCA 17/03/07 recieved 20/03/07

reply 26/03/07 they will investigate(miss marple!!)

sent failed to comply letter 08/05/07

sent S.A.R - (Subject Access Request) 08/05/07

 

link to thread

http://www.consumeractiongroup.co.uk/forum/cabot/78350-cabot-financial-response.html

 

 

3...paragon (ref48)

sent CCA 17/03/07 recieved 20/03/07

reply NONE!!

sent failed to comply letter 08/05/07

sent SAR 08/05/07

 

this one is awkward...

PARAGON (ref140)

( R D SHELTON)

sent 15/03/07 forgot to add £1 cheque but recieved by them on 16/03/07

sent second letter+£1 cheque 17/03/07 sent back "GONE AWAY"??

Contacted for confirmation of address then sent 3rd letter to HELEN DAVID...no reply to that letter either

sent 4th letter 01/05/07 SPECIAL DELIVERY finally recieved 02/05/07

sent SAR 08/05/07

 

link

http://www.consumeractiongroup.co.uk/forum/general-debt/89866-originally-10k-now-paid.html

 

These two i think i wll save for later (not too long though)

sent SAR halifax 01/05/07

sent CCA barclaycard 01/05/07

 

link

http://www.consumeractiongroup.co.uk/forum/barclaycard/99562-sent-cca-barclaycard-01-a.html

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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