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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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me been cabooted


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Yey I now become a Cabot fan club member.

 

got letter other week saying they taken over debt and included a dodgey looking letter from OC.

 

sent CCA, they wrote back returnin cheque as they will do this for free and they be in contact soon.

 

so far all they sent me was this:

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

 

:-) , you've done that yourself :D

Just hate every DCA out there

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and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

 

From what I can tell, it isn't even legible.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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lol. cover letter i got with that says statments to follow, so i'll wait for next contact plus few more threat letters so I can play wiv them a little. (only coz I luv DCA's) then i'll very politley (not) send letter to them for closure, i might even push to get default removed :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I'm very concerned at the way that Cabot keeps on not using the rights vs duties bawlarks. They seem to have realised that not providing credit agreements = annoyed judge.

 

It's a pity. Cases have always been so easy the second they start using that one. They tend to get struck out before the hearing.

 

It seems they've learnt some law:(

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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left hand side ok, 3 declaration you can only pick up few words. it printed on a4 sheet but form itself only measures 6x3 inches

 

only chance they got is when hell freezes over

AND I HOPE YOU VISIT THIS SITE CABOT

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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good, now thats what i like to hear

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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ok, I really do like Cabot now, not only sent the £1 CCA fee back saying we do this for free, they have now furneshed me with ALL statemnts, thats jolly nice as thats saved me payin £10 for S.A.R now.

and as a bouns I see some unlawful charges.

 

they done all this for me free of charge and they can't enforce it due to CCA only being an application form

 

Damn jolly nice of them I think.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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ok peeps. as cabot sent relevant info app form not actual cca i'm just waiting for the call to "arrange payments" so lets start preparing a letter, i dont wanna use templates so i wanna do something different that

 

"polite" but insulting,

"polite" but to the point,

"polite" but i wont take any cr@p

"polite" but lol run out now, so any good 1 liners ect......... please go 4 it, we all got our best bits to dca's so me wanna do letter with all the best bits in

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I'd start by deducting all the unlawful penalties that were ever applied to the account.

 

Then I'd deduct all the INTEREST that was ever applied to the account. Since there is clearly no interest rate mentioned in the so-called agreement, clearly there was never any agreement by you to pay any.

 

Then I'd start the negotiations with whatever figure is left, and perhaps offer that to them. Oh, dear. That might mean there is a negative balance, so the new owner of the account would perhaps owe YOU money. :D

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roflmao i like that 1, that about 70 odd % wiped off before i even started "sweet"

 

keep em comming peeps

 

better go through me "free" CCA/dpa requests now then. i don't mean more work for me I ment more work for them lol

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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PPI too ? Maybe room to look at reclaiming any PPI too - if there wasn't a relevant CCA in place and you'd paid into this PPI stuff there may be room to go after that too.

 

I can't see a tick box relating to this on the "CCA" you show here - but if you paid it - it will sho on statements.

 

Try and keep your argument simple and take it a stage at a time and see what throws up - the LoP stuff really isn't relevant until Cabots prove the CCA exists - so make them prove that CCA first.

 

We are all watching this LoP argument cleverly disguise and leap ahead of the CCA stages. Don't let Cabots do this - plan you argument and take it stage by stage then you'll get the truth of what is going on rather than their bluffing their way through this the way it suits them.

 

If they do come up with a relevant CCA - that's fine really - just move onto the next stage and work through it with a strategy - then you won't get bogged down and drown in papers. Keep it simple. :D

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yup i spotted that just now they call it "Repayment option plan" wat ever that is. i'm still waiting for them to phone (naturaly i wont speak to them)

this is too easy so gonna play it out a little and WAIT for any court letters and i'm watching my credit ref aswell

 

prob end up slam dunk, or hook line & sinker if i have my way, i want them to mention court and i'll give em some excuse to run with it, when I receive an LBA i go for the kill and not proper CCA form, tey aint got 1 I know, i only done app form which is up top of me post.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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even better then. harrasement and threat letters should go down well with non enforcable CCA

The 12=2 are up hopefully they won't start until closer to end of 30 days which ends on sept 19th

muhahahahahahahahahahahaha "Bring It On",

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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ok, I really do like Cabot now, not only sent the £1 CCA fee back saying we do this for free, they have now furneshed me with ALL statemnts, thats jolly nice as thats saved me payin £10 for S.A.R now.

and as a bouns I see some unlawful charges.

 

they done all this for me free of charge and they can't enforce it due to CCA only being an application form

 

Damn jolly nice of them I think.

 

Maybe they are starting to worry about the latest OFT guidance document under consultation. It does very clearly state reasons for removal/refusal of license, one such reason being "failed to comply with credit or other consumer legislation" Looks like that is all DCA's stuffed(think I prefer a traditional turkey this christmas though as it leaves a much more pleasant taste:rolleyes:)

 

Yes, there is a whole lot more failings (consumer complaints - well lots of them already!). Pity OFT have given them the chance to suggest their own version (oops sorry their polite words are more on the lines of "if you disagree the interpretation").

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I've just started a new thread in "General Debt" about CCA Vs Defaults. it a thing i am going to play with as I have a default on CRA and it "State" i have breached credit agreement. i only signed a Application form not a properly executed agreement, so I am trying to find out if they can legally enter info on CRA. plaes read new thread it does show I am not avoiding what i owe, this is an exercise I want to try for benefit of US ALL and i'm happy to chuck £30 down pan on court costs to see what the end result would be,

 

if it fails (as it should) then ok. if default get removed it will open a massive window for us all

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I've just started a new thread in "General Debt" about CCA Vs Defaults. it a thing i am going to play with as I have a default on CRA and it "State" i have breached credit agreement. i only signed a Application form not a properly executed agreement, so I am trying to find out if they can legally enter info on CRA. plaes read new thread it does show I am not avoiding what i owe, this is an exercise I want to try for benefit of US ALL and i'm happy to chuck £30 down pan on court costs to see what the end result would be,

 

if it fails (as it should) then ok. if default get removed it will open a massive window for us all

 

This is exactly my aim with my hubbies claim!! Hopefully it will give Cabots some trouble!! (no less than they deserve?)

 

Make them prove it and then if they can't make them remove ALL data from CRA's and sue them for damages, defamation of character, misrepresentation (I am sure there is a bundle to go at with them) Judges at the Courts aren't at all impressed by these illegible application forms that companies keep coming up with.

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it says in new thread in general debt, it not gettin DCA to remove default, it aimed @ OC. what right do they get to default you when all you have done is signed an application form, not an actual "proper credit agreement"

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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it says in new thread in general debt, it not gettin DCA to remove default, it aimed @ OC. what right do they get to default you when all you have done is signed an application form, not an actual "proper credit agreement"

 

 

They don't have the right to default anyone without a proper enforceable CCA agreement wuth all the prescribed terms and conditions in place.

 

Only having signed an application is your leverage for getting the default removed.

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that why i started new post, this is a test (i'm happy to through court cost down pan) so everyone who has near enough directly involved in this to post in general debt thread with experiance they had of which could be some use to compile info, or bad, i'm going to weigh all posts up and take it from there, they way i see it if you only signed application form for a credit card they dont have the right to "modify" your credit file. i'm prepard to do this for CAGers benefit to help with what CAGers have helped me with (returned favor if you like)

the more info the better

 

p.s still not heard from cabot yet :(

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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just been readin djdave thread and looked into my notice of assignment a little more,

pont 1 there is a CAB number directly above my address CAB=cabot?

 

point 2 theres 4 lines on bottm left side of notice. letter from cabot have 3 of the 4 lines in exactly same place.

 

point 3 the date of the "notice of assignemnt" (supposedly from OC) is 24 July 2007. the date of the letter from cabot is 24 July 2007

 

point 4 both leeter are exactly the same font and size. I bet that if I S.A.R OC there will be no notice of assignemnt and they are using a different font (OC i know use heavier font)

 

u really recon you process and send letters out in the SAME day cabot? yeah i know u ugly lot read this. anybody would think you are trying to obtailn money by deception.

 

Well have I got news for you, muhahahahahahahahahahahahaha

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I picked these letters apart some time ago and can safely say the 2 letters I received were printed from the same laser printer.

Type and Typography

He didn't come looking for trouble, but trouble came looking for him.

When the smoke clears, it just means he's reloading.

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