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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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HSBC/CABOT Help please


rh999
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There is an S10-12 letter in the template library you can use to stop people writing to CRA's etc.. just edit it to suit you etc.. http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html it will be here in the A-Z list.

 

Your SAR from Cabots will be interesting you'll see this is where the template letters show up (whwere they write pretending to be other companies) the land registry searches show up here too - from thios they can hazard a guess at whether you'd have equity in your home to cover a quicky loan etc..to pay them. read around some of the Cabot Fan Club threads in here and you'll see what shows up - Tberns stickey will interest you too.

 

Cabot do usually register a default when they purchase these accounts - and then they sit on them and add interest to the balances before they chase the accounts - your experian reports will show who is writing data etc..

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Hi all

 

Elizabeth,

the SAR is on HSBC not cabot. but HSBC have told there wont be much to give the account was so old. by the way we are only talking £100 here defaulted (from a £3k loan converted from charges).

 

a year ago i would have paid it without looking at it, but i am sure i have paid in full (charges or no charges). although cabot have not tried it on with me too much, seeing the way they have treated others on here has pushed me to take them to cleaners on this.

 

Seahorse your totally right. no contract, no default

 

as a separate issue i have a SAR outstanding on equifax, i have specified any inputs around june last year to them, so i will be interested to get a name at cabot.

 

to be honest i have enough on my plate with a claim on Lloyds TSB, where their collections department are threatening court for an unauthorised o/d, but cabot have pi**ed me off.

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  • 3 weeks later...

Hi all

 

update....

 

Cabot - still no CCA. have sent them a letter stating they have not complied with my request, and i believe they placed a default on my credit file in error. have instructed them to remove now, or face court action. no response, so LBA going to them now.

 

HSBC - now received all info they hold on me. transpires i had x3 accounts (did i?!??) x1 personal and x2 loan accounts.

 

one of the the loans was a "managed loan acct".

 

one glaring thing missing from this was any CCA's. nothing from either loan or the current acct.

 

so no contract!!

 

no statements either. so i cannot work out whether this "managed loan acct" was full of charges or not...

 

another interesting thing in this pack was a diary log from the collection company who took the money from me. some of the items in there was crap. phone calls and letters stating i was in arrears despite my bank statements from where the standing order came from showing regular monthly payments. complete fabrication of the truth.

 

can anyone tell me how to respond to this SAR? the lack of transactions really p*ss me off. cant i get this from anywhere?

 

thanks in advance

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  • 2 weeks later...

Hi All

 

quick update on this.

 

still no response from Cabot...

 

whilst doing this, i had sent SAR to equifax to get a feel of what was going on there.

 

received my pack from them today.

 

default has been removed from my credit file.

 

looks like either HSBC or Cabot have removed it as they do not have a CCA...

 

dont think i will hear from these guys again.

 

thanks all for their help in this saga.

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no Seahorse

 

nothing from then at all. not even a kiss my ar*se

 

might be a good idea to check mate.

 

i will be calling them to thank them for removing the default, just to wind them a little...

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So I take it they didn't inform you they were removing the default? Hmmm. Perhaps I'd better check my credit files to make sure I don't make a complete idiot of myself in court. :lol:

 

CRA'S now realise the implication of the deformation act and the "risk" involved

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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  • 1 month later...

This is very encouraging news for me. I'm not that far behind and all the responses I've had from Cabot are the 100% the same.

 

I now know what to do, as I was pondering going for the section 10 just as soon as they had their CCA+30 days. Think I will give it a go.

 

I particularly like

By definition, to have defaulted is to have done so on a contract.

 

No agreement, no contract, no default. Simple?

 

 

Well done.

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

--------------------------------------------

IF I HAVE HELPED PLEASE CLICK MY SCALES

 

Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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