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    • Yes, Hotpoint UK has been a subsidiary of Whirlpool for over 20 years. And unlike some domestic goods manufacturers you can buy from them direct and I believe they employ their own service engineers, Is that your situation? You bought direct from Hotpoint and Hotpoint sent out their own engineer?
    • It's Hotpoint (but I believe they're part of the Whirlpool group now?). The part was bought direct from them as a consumer.
    • Thanks BankFodder for your latest, I'm in complete agreement on the subject of mediation and will be choosing to decline mediation, the longer timeline is not an issue for me, I will happily let the going to court run it's course. I really appreciate the support from the Consumer Action Group. I'll post the email text I'm sending to Evri's small claims in answer to their recent defence response. Regards, J    email text I'm sending to Evri's small claims in answer to their recent defence response:  
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
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Cabot/Nolans SPC Claim - old LLoyds Loan ***Claim Abandoned***


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because no one has posted on it for the last 1687 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

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Start your own new thread

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

 

Thanks

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Tell us about the debt please

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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Sorry, it's a lloyds tsb loan £1100 opened in 2009 and the default is mid 2013.

 

Cabot only appear on my credit file 11 months ago. It was originally Moorcroft with letters late 2013 not sure what happened in between.

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Why did you cease payments?

How much are they trying to fleece you for?

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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Share on other sites

I had lost my job at the end of 2012, receiving JSA.

 

I had a few creditors all of which I was giving token payments too

then I started getting letters from debt agencies,

 

I ended up moving to another area for work and just sort of put it at the back of my mind... :(

 

The amount owed is 1100 (plus the threat of courts fees etc)

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Have you ever written to your creditors and told them you'd moved?

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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Share on other sites

Opps

So what you have is in fact a phishing letter

They are hoping you don't red

One then they'll serve it to your old address

 

Now, were all your runaway debts taken out whilst you were resident in Scotland first please

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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Share on other sites

They were yes, I'll still get wind of anything going to that address. I am on the electoral roll at this address and on my credit file due to a joint account with my wife.

 

I'm not really sure what I expected to happen, been most naive.

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No that's all OK

Court summons must be served in person up here unless there are exceptional circumstances

So they can't get a backdoor degree

 

Now

Does the letter actually say will anywhere?

I bet it don't

I intend to to go to old man o sky this fall

If I do is a totally diff matter

 

Just remember

A DCA or their fake/tame solicitor s are

NOT BAILIFFS

And have no more legal powers than you or i

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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Share on other sites

  • 1 year later...

No this is your thread

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

name the issuing court: inverness

 

Who Is The Claimant: Cabot

 

Who Are the Solicitors: Nolans

 

What type of action? (Simple/Ordinary): simple

 

What is the claim for –

 

on 10/11/2009 the respondent entered a fixed-sum loan agreement with Lloyds TSB BANK PLC under wich the respondent borrowed from them a sum of money repayable on demand.

 

The said agreement was an agreement regulated under the Consumer Credict Act 1974..

The Respondent failed to pay as agreed on demand and is in breach of contract with the said Lloyds TSB BANK PC.

the said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 24/06/2016 and the claimants have advised the respondent of the same.

the last payment was made to account on 12/02/2014 the said sum of £ 1109.69 is the sum sued for. The claimants have made frequent requests to the respondent to make payment of the sad sum but the respondent has refused or delayed to do so.

 

type out ALL the text [minus pers details] [D4 BOX SPR FORM]

 

Date of agreement 10/11/2009

 

Ref Number ****

Unpaid balance: £1109.69

 

Repayment on demand.

 

NOTE THE EXACT WORDING IS EXTREMELY IMPORTANT TO YOUR CASE SO GET IT RIGHT.

 

Last Date Of Service:- 14/12/2018

 

Last Date For Response:- 04/01/2019

 

What Documents are listed in Box E2:[or in your form requesting the same?]

 

1. agreement dated 10/11/2009

 

the debt is for a Loan

BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay to them the sum of £ 1109.69

 

from your knowledge: answer the following:

 

When did you enter into the original agreement before or after 2007? after

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Sold to Cabot

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I knew it had, don't recall any notice of assigment

 

Did you receive a Default Notice from the original creditor? not that I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so

When was you last payment:- i'm unsure late 2013

 

Why did you cease payments:- lost job

 

Was there a dispute with the original creditor that remains unresolved? no

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I had originally used stepchange for a while

Edited by dx100uk
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Go ring Lloyds and ask the last payment date please

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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Share on other sites

I've called lloyds and the automated system says my details are for TSB and gives me the number for them but the details aren't recognised there.

 

I guess i'll just need to find a better number, am I better speaking to a human on the Lloyds bank side or the TSB side. I'm not really sure how the split went.

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Can be a pain

Keep trying

Just remember the harder it is for you to findout..it will be double that aggro for cabot!!

 

Dx

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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Share on other sites

I have to go to work now, but i'll give it another shot on my break.

 

I had a look through my old statements and the last I can see I sent money to lloyds was FP 24/10/13 . I can see a payment to moorcroft 07/02/14 but I can't recall what that was for....

 

eek

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That in the ballpark then given say a few days to clear..

God why were you blindly paying moorcroft..they dont even buy debts just chase...

 

Dx

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... 

Link to post
Share on other sites

I had set these up while I was living with my parents, they were phoning at all hours and it was worrying them. So I just tried to stop it, I know better now sadly.

 

 

My dad would often email me the odd letter they sent and it seems moorcroft was for another Lloyds account. I'm still not having much luck contacting Lloyds.

 

I had an overdraft with them too and that's currently showing on my credit file as still being owned by Lloyds themselves. Will I be shooting myself in the foot contacting them?

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no cant reset anything

 

you don't have to do anything on this till after the new year

4th jan

 

however im conscious that as that's so close to the holiday period you might totally forget this!!

 

take your time

go get that info

you've even got time to send a free sar to various places like Lloyds

tsb etc etc

and still get the info back time to respond to the claim.

 

but whatever you do.

YOU DO NOT UNDER ANY CIRCUMSTANCES contact the fleecers or their dogs nolans.

 

be aware that you MUST take extra care with nolans in not revealing email or phone numbers to them in anything you send do or say.

nolans are masters at pulling crafty stunts like sending important docs purposefully late by email and claiming legal service by email is ok or even by phone

or even sending fake spoof letters goading you into believing what the court says or soes it wrong.

 

your best way to kill them dead is to prove this debt is statute bared

cabot always forget Scotland is 5yrs extinguished dead gone parrot.

 

read the numerous spc claimform threads here already in this Scottish forum

the more you read the stronger we become.

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... 

Link to post
Share on other sites

I eventually got through to someone who could help, seems i'm with TSB.

 

She said the last payment she could see was 06/06/13 but since it was "written off" she couldn't see anything after that advising that she would put me through to collections to see if they knew anymore, then of course the call died and i've been on hold for a while now.

 

I can see that I made that later payment in October though and digging through emails I seem to have had two different moorcroft numbers but I seemed to be making payments to only one. which one though, I don't know but I have a very bad feeling...

 

I will send off the SAR to TSB today and I have been reading similar threads for an idea of how this will work.

 

Just gotta keep positive!

 

I appreciate all your help

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well done keep digging.

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... 

Link to post
Share on other sites

I got through to collections who passed me onto recovery and as far as they can see the last payment was june 13 for £2 and the balance is zero so i'm sort of at a loss as to where to look now...

 

I know I did send another £2 after that, and it never got returned so that's a bit ominous. I can't really go ask moorcrap..

 

I guess the SAR will maybe shed more light, hopefully they respond quickly.

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