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cabot/hassall claimform - CAp1 Card 'debt'***Settled by ADR/Mediation***


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You tell med srv that

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They will ask if you are in receipt of all the paperwork

When you inform them that you are not, mediation will not proceed

and the case will be passed back to the courts for directions to progress the case

Witness statements , disclosure and date of hearing etc

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Mediation is not in connection with disclosure of documents...that follows later in the procedure.Mediation is an attempt to narrow the differences with regards to the disputed debt.

 

Andy

We could do with some help from you.

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Mediation is not in connection with disclosure of documents...that follows later in the procedure.Mediation is an attempt to narrow the differences with regards to the disputed debt.

 

Andy

 

So mediation, in this case, is just a hoop to jump through in order to satisfy the court that an attempt has been made to "narrow the differences". Therefore informing the claimant that they have no legal grounds due to no paperwork or compliance?

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So mediation, in this case, is just a hoop to jump through in order to satisfy the court that an attempt has been made to "narrow the differences". Therefore informing the claimant that they have no legal grounds due to no paperwork or compliance?

 

:thumb: It ticks the boxes

We could do with some help from you.

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  • 2 weeks later...

Letter from Hassall giving me a copy of their filled in "Directions Questionnaire".

They have left the hearing venue unfilled but have agreed to "mediation".

 

Another letter from Cabot stating that

they do no have the information under sections 77-79 of the CC Act 1974.

"Your credit agreement is currently unenforecable,

which means we are not permitted to obtain a judgment or decree agains you in Court."

".. you are still obliged to repay ..."

 

Does this mean no further action will be taken?

 

Also shouldn't Cabot tell this to Hassall and stop this silly court nonsense?

Or will Hassall continue to harrass me with letters and threaten further court action?

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If they dont have the paperwork then expect the claim to be discontinued. Sadly with these bottom rate DCA's and their rent a sols, they dont even check if they have the paperwork before they go to court. They hope you are uneducated so they can lie and cheat to get a judgement

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 1 month later...

Using the mediation service, Hassall claims to have all the required paperwork and that Cabot shouldn't have sent that letter out, so they agreed to my offer to settle at a ridiculously reduced amount of money, (must be at a loss for Cabot) so my CC report will be updated to viewed as "partially satisfied". Better that, than the risk of a CCJ for six years. So its all good

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Well done ...again PC...still a victory.

 

Thread title amended to reflect the outcome.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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