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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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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.

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      This is good ethical practice.

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

       

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djdave vs Cabot


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If an approach from the OFT makes a trader change its behaviour and treat consumers fairly in future, this is preferable to putting a trader out of business.

 

Look, Ken. It's easy. Take this subtle hint and GET YOUR ACT TOGETHER!!!!!!!

 

Maybe then, you'll have HAPPY customers. There now, it's not so difficult after all. :)

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Look, Ken. It's easy. Take this subtle hint and GET YOUR ACT TOGETHER!!!!!!!

 

Maybe then, you'll have HAPPY customers. There now, it's not so difficult after all. :)

It is if you are a greedy moneygrabbing supercillious twit

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  • 3 weeks later...

I've just got back from a weekend up north to find the M25 gridlocked, my lawn infested with slugs, and the weather awful.

 

But to cheer me up, the Financial Ombudsman Service have written saying that my complaint has been passed to their casework support area awaiting allocation to an investigation team. Thanks guys :D

  • 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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Wouldn't it be great if salt also made DCA's disappear!

 

Naa, we have CCA requests that do the same job ;-)

Strange that they cannot cope when the law is used against them. They are the people who are going to bankrupt you, get a charge on your house, sell your goods. Suddenly you inform them of your rights and quicker than you can say ''By the way the Law of Property Act does not apply'' they pass it on down the food chain.:D

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  • 3 weeks later...

Nearly two months after asking Cabot to clarify some points, I've finally received a reply. Apologies for any typos, I scanned it rather than typing it all out!

 

My comments are in red:

 

CABOT REFERENCE xxxxxx - VENDOR BARCLAYCARD

 

Thank you for your letter, which was received in our office on 31st August 2007. May I apologise for the delay in responding to you.

 

I regret that you have felt the need to contact Cabot Financial (Europe) Limited ("Cabot") to express your dissatisfaction about our service.

 

I note from your letter that you have raised various points and I will respond to them in the order, which you have raised them.

 

Firstly, Cabot supplied you with a copy of the credit agreement (you mean you supplied an application form, missing pretty much all the prescribed terms, damned near illegible, and not signed by Barclaycard) , which you agreed and consented to with Barciaycard. We also enclose a copy statement of your account since your account was assigned to the Cabot Financial Group of Companies and we are to receive the statements of your account from Barclaycard shortly, upon which the same wiil be forwarded to you.

 

It is clear that you have signed the credit agreement (application form, but I'll let that go for the moment). You will note that this is a regulated credit agreement for the purposes of the Consumer Credit Act 1974, which is supported by your signature in acceptance. Furthermore, in consideration of your acceptance of the agreement, you received the availability of credit from Barclaycard by way of a credit card, which you have clearly used. Please be advised that the credit agreement, which you signed, proves that you signed and entered into an agreement. The statement of your account, which we will receive from Barclaycard, will prove that there was an outstanding debt at the time of the assignment of your account. Once we have provided the statement of account it is enough to satisfy that the debt exists. (really?)

 

Secondly, regarding your query relating to the company registration numbers, I can clarify that this debt was assigned to Cabot Financial (UK) Limited by Barclaycard and Cabot Financial (Europe) Limited act as servicing company for the Cabot Financial Group of Companies. In order to save any confusion, we collectively defined the companies concerned as the Cabot Financial Group in previous correspondence. Please note that defining the above companies to the Cabot Financial Group was not intended to confuse or mislead the situation (now call me cynical, but I believe that's exactly why there are so many "Cabots"). Cabot Financial (Europe) Limited and Cabot Financial (UK) Limited are part of the Cabot Financial Group of Companies. For the sake of clarity, we will forthwith refer to the individual companies concerned in full.

 

Thirdly, I note from your letter that you would like Cabot Financial (Europe) Limited to confirm if the Notice of Assignment sent to you on 16th April 2007 is a genuine copy of a document supplied to Cabot Financial (Europe) Limited by Barciaycard. I can clarify that the Notice of Assignment we sent to you is a reproduction copy of the Notice of Assignment that Barciaycard provided to Cabot Financial (Europe) Limited. (Strange this. I have it in writing from Barclaycard's data protection manager that no such document exists. I think Cabot forgot the word "conjectured")

 

Fourthly, In relation to your concern regarding the processing of your data, Cabot Financial (Europe) Limited is legally entitled and obligated under the original credit agreement and under the Data Protection Act to process information and also to report to the credit reference agencies. We disclose information to credit reference agencies about customers' conduct of their accounts because that disclosure is necessary for the purposes of legitimate interests pursued by us, other members of the credit industry and the credit reference agencies. Credit reference agencies hold such data and disclose it to prospective lenders because that is, similarly, necessary for the purposes of the same legitimate interests. Furthermore, under the original terms of the credit agreement, which you signed with the creditor, you consented to information being disclosed to third parties and credit reference agencies (I dispute this, but the application form is so hard to read that I honestly couldn't say. But then, as it's only an application form, and missing prescribed terms, surely I've never given my consent). Accordingly, the Data Protection Act, section 4, Schedule 1 and Schedule 2 of the Act, in particular paragraph 6 of Schedule 2, permits disclosure of such information to and by credit reference agencies without the customers' consent. The credit reference agencies that we have reported your data to are Experian, Equifax and Callcredit. We have also sent your personal data to our debt recovery agents, which are Logic (Eos) and Scotcall for the recovery of the outstanding balance due under the agreement. You would have agreed to pass on your data regarding this issue when you signed the agreement (application form! How many more times?), which would have been included in the terms and conditions applicable at that time.

 

Lastly, regarding your subject notice under section 10 of the Data Protection Act 1998 ("Data Protection Act"), we have previously set out our position regarding this issue. Section 10(1) of the Data Protection Act states:

"Subject to subsection (2), an individual is entitled at any time by notice in writing to a data controller to require the data controller at the end of such period as is reasonable in the circumstances to cease, or not to begin, processing, or processing for a specified purpose or in a specified manner, any personal data in respect of which he is the data subject, on the ground, for specified reason -

(a) the processing of those data or their processing for that purpose or in that manner is causing or is likely to cause substantial damage or substantial distress to him or to another, and

(b) that damage or distress is or would be unwarranted."

Section 10(2) of the DPA states:

"Subsection (1) does not apply

(a) in a case where any ofthe conditions in paragraphs 1 to 4 of Schedule 2 is met, or (b) in such other cases as may be prescribed by the Secretary of State by order."

I refer your attention to paragraphs 1 to 4 of Schedule 2 of the DPA, which states:

"Conditions Relevant for purposes of the First Principle: Processing of any Personal Data

The data subject has given his consent to the processing. 2. The processing is necessary

For the performance of a contract to which the data subject is a party, or

For the taking of steps at the request of the data subject with a view to entering into a contract

The processing is necessary for compliance with any legal obligation to which the data controller is subject, other than an obligation imposed by contract.

The processing in order to protect the vital interests of the data subject. "

 

You shall note that section 10(2)(a) of the OPA the words "any of the conditions" and paragraph 1 and 2 of Schedule 2 of the OPA are entirely relevant to your case. As you signed a credit agreement which has been assigned to Cabot Financial (UK) Limited, of which the terms we are entitled to enforce, section 10(1) of the OPA does not apply to your circumstances.

 

Cabot Financial (Europe) Limited and the Cabot Financial Group of Companies have at all times acted appropriately and in accordance with all laws, regulations, codes of practice and guidance applicable to its industry. (Apart from failing to respond to a CCA request within the statutory timescale [and even then only with an application form], failing to reply to a Data Subject Notice within the statutory timescale, unlawfully processing and sharing my data)

 

I can confirm that the outstanding balance on your account is £xxxx and that interest has been accruing on this account. I can also confirm that we have received correspondence from the Financial Ombudsman Service who have duly notified us that your concerns do not fall within their jurisdiction as these were raised in February 2007, therefore prior to 6th April 2007.(and this, ladies and gentlemen, is why the CSA / DBSG can proudly boast about how few complaints the FOS has handled, and therefore claim that DCAs are lovely as nobody ever moans about them!)

 

In light of this, I would respectfully recommend you contact our Collections Team on 0845 0700 116, within 14 days, in order to discuss repayment of the above account. If no contact is made within these 14 days, Cabot reserves the right to return your account to our Collections process.

 

We trust this adequately resolves your concerns. In the meantime, please do not hesitate to contact us on 01732 524723 if you have any further queries. The Customer Assurance department is open from 9am to 5pm Monday to Friday.

 

Laura Jolliffe

Customer Assurance Adviser

 

So in a nutshell, Cabot are saying that they've done nothing wrong and please give us some money. Seeing as all I've ever had from them is a totally unenforcable application form, and seeing as how the FOS don't want to get involved, I'm wondering what my next move should be.

 

I'm tempted to just sit back and let them try Court action. I'd be interested to see how their application form photocopy goes down with a judge.

 

Worst case scenario, I'm on long-term incapacity benefit so even if I lost in Court I can't see a judge ordering particularly massive payments.

 

Any advice, please? :)

  • 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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Really Dave you have F all to lose. I would be sorely tempted to invite them to take you to court. There is plenty of case law to beat them over the head with and in my opinion if they were so sure of their facts then they would have taken you to court long ago. They are the so called professionals paying big bucks to legal advisors. They have winged it before with application forms and got away with it because the 'Rogue Debtor' did not query them. However the law is quite clear about what is acceptable as an executed CCA. They obviously read your threads with great interest at Cabot Towers so they know you will not be put off by meaningless doublespeak and downright untruths. Its probably time M'learned friends hit them where it hurts.

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As an aside, I suspect that Laura didn't write this. The language, and particularly the rather odd 'you shall note' suggests that it was written by someone for whom English is not their first language - a Belgian, for example.

 

There are two other things that strike me about the letter. Firstly, the way in which the writer continually refers to the application form as an agreement, in the hope that you will think it to be the truth. A subscriber to Goebbels' maxim that if you tell a big enough lie, and tell it often enough, people will come to believe it, perhaps? Secondly, the use of a psychological device (the 'dripping tap'), whereby they continually refer to the signing of the 'agreement', again used to try to convince the reader that it must be true.

 

The glossing over of their own wrongdoings by a single sentence denial shows their arrogance. Sadly, one of the reasons they can do this is that the regulators have failed to grasp the nettle and show these creatures who is in charge.

 

I think that in Dave's position, I'd tell them to put up or shut up. It might be interesting to subpoena Laura Jollife, and see if she's able to put Cabot's case as fluently and (un)convincingly as she seems to do in writing...

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They obviously read your threads with great interest at Cabot Towers...

That would not surprise me one iota. I'm sure they worked out long ago who that mysterious djdave is! :p

 

As an aside, I suspect that Laura didn't write this. The language, and particularly the rather odd 'you shall note' suggests that it was written by someone for whom English is not their first language - a Belgian, for example.

WWell wwell wwell! ;)

  • 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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As an aside, I suspect that Laura didn't write this. The language, and particularly the rather odd 'you shall note' suggests that it was written by someone for whom English is not their first language - a Belgian, for example....
Wonder if this is the same Laura Joliffe who had such a crap holiday in Kavos

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It is clear that you have signed the credit agreement (application form, but I'll let that go for the moment). You will note that this is a regulated credit agreement for the purposes of the Consumer Credit Act 1974, which is supported by your signature in acceptance. Furthermore, in consideration of your acceptance of the agreement, you received the availability of credit from Barclaycard by way of a credit card, which you have clearly used. Please be advised that the credit agreement, which you signed, proves that you signed and entered into an agreement. The statement of your account, which we will receive from Barclaycard, will prove that there was an outstanding debt at the time of the assignment of your account. Once we have provided the statement of account it is enough to satisfy that the debt exists. (really?)

Actually it is true, it proves the debt exists. It does not however, prove you were not subject to ID theft, or the debt is legally enforceable.

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Here's a question. Going back to the original application form (link below), section 10 refers to "Personal Data" but the box isn't ticked.

 

Sadly I cannot read the text, so don't know whether it's an opt-in or an opt-out.

 

Does anybody have a more legible copy of a Barclaycard application form from the same sort of date (1996) which would contain the same text?

 

Here's the linky:

http://i152.photobucket.com/albums/s185/djdave2007/cabotapp.jpg

 

:)

  • 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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It's not exactly the same form as mine, but my box was to be ticked if I DID consent to my data being shared. Which I didn't.

 

Barclaycard have sent me a nice letter telling me they are investigating. I think I shall respond by telling them they are selling debts which, being unenforcable by virtue of the fact that no credit agreement exists, and therefore carries no benefit but rather a burden, their actions might very well be construed as fraud. In other words, why are they stitching up Cabot by selling them debts they have no hope of collecting?

 

;)

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In other words, why are they stitching up Cabot by selling them debts they have no hope of collecting?

 

;)

You almost sound as if you care about Cabot be saddled with a load of unenforceable debts:eek:

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Well, I've been thinking. There IS a need for companies such as Cabot. And my only real gripe with them is is the way the operate. But really, if the lenders hadn't been so short sighted and thought they could get away with shorcutting the CCA, none of this would be an issue.

 

So really, the fault mostly lies with the OCs. IMVHO. And if Cabot would just put up their hands when challenged, I'd have no problem with them at all. Unfortunately, they continue to put their fingers in their ears and go LA, LA, LA. So losing any respect or credibility that they might otherwise have enjoyed.

 

OTHER DCA's operate lawfully and ethically. Why can't Cabot?

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Well I've sent them a letter which is far too long and dull to bother you with here, but can be summarised thus:

 

Dear Feckers,

Put up or shut up.

Yours sincerly etc

:)

  • 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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Well I've sent them a letter which is far too long and dull to bother you with here, but can be summarised thus:

 

Dear Feckers,

 

Put up or shut up.

 

Yours sincerly etc

 

:)

To be honest that would probably have been a response that they may have actually understood better;)

  • Haha 1

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It is clear that you have signed the credit agreement (application form, but I'll let that go for the moment). You will note that this is a regulated credit agreement for the purposes of the Consumer Credit Act 1974, which is supported by your signature in acceptance. Furthermore, in consideration of your acceptance of the agreement, you received the availability of credit from Barclaycard by way of a credit card, which you have clearly used. Please be advised that the credit agreement, which you signed, proves that you signed and entered into an agreement. The statement of your account, which we will receive from Barclaycard, will prove that there was an outstanding debt at the time of the assignment of your account. Once we have provided the statement of account it is enough to satisfy that the debt exists. (really?)

 

Actually it is true, it proves the debt exists. It does not however, prove you were not subject to ID theft, or the debt is legally enforceable.

 

It certainly does not prove the debt exists. You could say to them, "yes that is my application form, but it was turned down and I never had an account with them".

They would then have to show you the 'signed' agreement.

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It certainly does not prove the debt exists. You could say to them, "yes that is my application form, but it was turned down and I never had an account with them".

They would then have to show you the 'signed' agreement.

Good point, BUT

 

If you were turned down why did you continue to make monthly payments.

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