Jump to content


  • Tweets

  • Posts

    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Sainsbury loan CCJ - sold to Cabot


007
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 582 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys

Firstly i had a loan with sainsburys bank .

I lost my job and had to default .

 

I ended up in court and had a CCJ made against me and was ordered to pay £?? so much a month towards the debt

I had yearly statements from sainsburys showing the debt going down .

 

All of a sudden i get a letter from sainsburys saying that cabot had taken over my debt and i should now make payment to this company .

Here starts the nightmare again .

 

I have got a CCJ for this debt and followed the courts order to pay off the debt at my agreed payment ,

Enter Cabot .

They ask me for an offer to pay .

they want more .

well i am not in a postion to pay more and for the cost of the CCJ off sainsburys i am not going out of my way to clear this debt .

 

i was geting the freatening letters from cabot pay this amount etc .

i wrote them a letter explaining i needed their account details .

they replied with a letter telling me to go on their site and make a new offer of payment ?

Erm excuse me i have a ccj agreement to pay my amount each month ?

 

Now this cabot has given me a default notice even though i have never missed a payment since going to court with sainsburys ..

what can i do to stop this company ruining my hard work repairing my credit rating :(

 

Please help

Edited by dx100uk
spacing
Link to post
Share on other sites

Hello and Welcome, 007,

 

I've moved this thread to a more relevant Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

This is not my first post here either .I have been a member since 2006 .i browse regular ,My posts have disapeared ???

 

Steve

 

Hi we have had a few issues with posts vanishing. bear with us

 

I'm no legal expert but what I do know is that if a debt is subject to a CCJ, either the old or the new owner should be contacting the courts to let them know. If that hasn't been done, you have no obligation to pay Cabot anything. I would write back and tell them that.

 

Once a CCJ is applied to your credit file no default should be added. If they have sent a default notice but not actually filed a default, that should also be included.

 

I bet Sainsbugs have conveniently forgotten to tell Cabot that this debt is subject to a CCJ

  • Confused 1

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

The CCJ order is paramount, unless the OC has sought leave of the court the payment schedule CANNOT be changed,

do so so without leave is contempt of court.

 

The court judgement will say '' That it is ORDERED that'' AAA pays £xxx per xxx.

That is set then in law.

Edited by dx100uk
merge
  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Let em spout off then report it to the manager of the issuing court, nice fines for contempt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi we have had a few issues with posts vanishing. bear with us

 

I'm no legal expert but what I do know is that if a debt is subject to a CCJ, either the old or the new owner should be contacting the courts to let them know. If that hasn't been done, you have no obligation to pay Cabot anything. I would write back and tell them that.

 

Once a CCJ is applied to your credit file no default should be added. If they have sent a default notice but not actually filed a default, that should also be included.

 

I bet Sainsbugs have conveniently forgotten to tell Cabot that this debt is subject to a CCJ

 

They have put a default on my credit report this month ?

Link to post
Share on other sites

The CCJ order is paramount, unless the OC has sought leave of the court the payment schedule CANNOT be changed,

do so so without leave is contempt of court.

 

Contempt on their behalf? How can i report them for this ?

Link to post
Share on other sites

Again the CCJ is paramount and supercedes all other matters, including defaults,

It's a shame to let them off but I believe you must inform them of the CCJ.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

On my credit file instead of sainsburys bank loan it now states loan from cabot financial uk ltd ?

I have never borrowed from this company

 

The CCJ was made in 2008 and is on my report as such

Edited by dx100uk
merge
Link to post
Share on other sites

It is a question that needs to be addressed that The OC has passed on a debt that is subject to a CCJ knowingly,

also there needs to be proof that Cabot was or was not informed of the status of the debt, if they were informed then

they are complicit to the contempt.

The first stage you need to go through is a Formal Complaint to the OC sent recorded this should be addressed to the compliance manager,

you may state a time limit for reply I suggest 14 days.

As you have not defaulted on the court order I would challenge the CRA holding the data, if a CCJ is on the file the default should not be.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

you could see exactly what cabot know about this a/c by sending them this http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt if they respond and mention the CCJ you can then go directly to the ICO and make a complaint because they are processing data incorrectly.

  • Confused 1
Link to post
Share on other sites

THanks Cerbs I ve Lamb sounding desperate any help appreciated.

Brig

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I am sorry but i do not understand what an ICO is also

What should i do first then ?

Send a recorded letter to sainsbury's bank .

What about a letter to the manager of the courts?

Any advise is truelly appreciated

Link to post
Share on other sites

The ICO is the Data COMMISSIONERS OFFICE it regulates an enforces the DATA PROTECTION ACT,

the misuse of personal data is a serious matter the reporting of matters to credit reference agencies is covered by this.

RD to Sainsbury first, copy to Cabot, and to the court from my experience of similar cases, belt and braces is always best.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

The basic fact is the courts order for payment cannot be varied without the leave of a JUDGE.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

As I said it's highly likely they are not aware of the CCJ, this could be for several reasons but at the end of the day it is their responsibilty to process the correct data. By not doing so they are liable to both a fine and sanctions from the ICO and a financial claim from yourself for libel.

Link to post
Share on other sites

Just kidding,advice as good as ever,I just see things from ''the other side'' to much perhaps:!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...