Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder Kellyj2 Novitiate



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    Default Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Dear All
    Almost two years ago received a claim from Restons for 2,500 but with no details.
    Filed defence requesting details of claim and made a CCA Requesticon.

    Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment.

    Have to see if it is genuine.

    I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important?

    Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which is the name they've used on the claim formicon.
    Does this mean that the claim is not valid and they have to reapply?

    Also, over half of the amount they are claiming consists of bank charges.

    Not sure if Default or Termination notices are relevant if they have bought any debts.

    Please help


  2. #2
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    you'll never get to see the deed
    you mean assignment.

    they'll be covered by the group licence

    but anyway
    is the claim not stayed
    so if they want to pay the fee and gamble?

    can you scan up to ONE PDFicon what they've sent
    follow the uploadicon <<clickme guide
    yes they'll need the default notice

    what type of credit was the debt?

    dx

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  3. #3
    Basic Account Holder Kellyj2 Novitiate



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    Default Told to withdraw my Defence

    Dear All
    Two years ago made CCA Requesticon. Firm Debt Purchaser, didn't come back until last week.

    received a lettericon from their solicitor saying, withdraw Defence or we'll obtain Summary Judgment.

    They have not provided copy of proof of Assignment or Default notice/Termination etc.

    Has anyone had similar experience?


  4. #4
    Basic Account Holder Kellyj2 Novitiate



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    Default Not FCA Authorised. How can a firm still issue a claim?

    Dear All
    Can an unauthorised firm, issue a claim and/or enforce a claim?
    Please does anyone know?
    Thank you


  5. #5
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    3 threads merged
    please keep to one thread.
    cabot are covered by their group licence
    so forget all that

    so what restons have sent a willy waving letter?
    I bet if you read it properly it offering a discount!!

    you need to scan up the CCA return to ONE multipage PDFicon please
    follow the uploadicon<<clickme guide

    can you also complete this please:
    http://www.consumeractiongroup.co.uk...**UPDATED-2016**

    and post up a copy of the defence you files too

    dx

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  6. #6
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Quote Originally Posted by Kellyj2 View Post
    Dear All
    Two years ago made CCA Requesticon. Firm Debt Purchaser, didn't come back until last week.

    received a lettericon from their solicitor saying, withdraw Defence or we'll obtain Summary Judgment.

    They have not provided copy of proof of Assignment or Default notice/Termination etc.

    Has anyone had similar experience?
    Restons normal mantra Im afraid...they normally do make application to lift the stay and request strike out or summary judgment...so sooner we have the details of the debt and claim the sooner we can advise on how to deal with this thread...if/should it happen.


    Andy

    We could do with some help from you

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  7. #7
    Basic Account Holder Kellyj2 Novitiate



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Dear Caggers
    Would be very grateful for any advice.
    I need to respond to Cabot/Restons.
    Are Default and Termination Notices relevant regarding claims concerning Credit cards please?
    Can these be requested from a debt purchaser like Cabot?
    Has anyone been successful in establishing whether a firm is able to issue a claim when their FCA authorisation has lapsed?
    Please help


  8. #8
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Hello Kelly.

    Is this to do with your other thread please?

    http://www.consumeractiongroup.co.uk...50#post5051550

    If it is, it's better to post on the same thread rather than starting a new one every time have have another question. It keeps all the information together and you'll get more complete advice.

    HB

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  9. #9
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Please stop making new threads on the same issues
    Keep to one thread

    Your questions have already been answered
    Read from post one again

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  10. #10
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    I need to respond to Cabot/Restons.

    Who said???

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  11. #11
    Royalties Account Holder Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo's Avatar



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Just because Rectums & Cabrot have told you to respond by a specific momentin time, does NOT mean you have to!

    You'll only give them delusions of grandeur, and mark yourself as ''Mug awaits fleecing''.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  12. #12
    Basic Account Holder Kellyj2 Novitiate



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Dear Bazooka Boo
    Thank you for your reply.
    I've been reading related threads and Asifh in 2015 has a similar case. He reported back that Cabot in being asked to provide certain docs, had subsequently come back with Notice of Discontinuance?


  13. #13
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    possibly


    can you not scan up this letter to PDFicon please
    click uploadicon

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  14. #14
    Basic Account Holder Kellyj2 Novitiate



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Dear All
    Is it possible to uploadicon docs from a phone please?


  15. #15
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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    Photograph it, and ENSURE you blank out ALL identifiers, bar codes, your name, silly squiggly boxes, your address, and any reference numbers, BEFORE you post it up.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  16. #16
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Cabot/Restons claimform - Credit Card debt -2yrs stayed claim now threat to lift with SJ

    read the uploadicon guide
    theres a program in there


    dx

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