Marc Gander - The Consumer Survival Handbook


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

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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.

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  1. #41

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    OC's original number
    but don't send the CCA until you've that response form ready to go.

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  2. #42
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    I'm doing the form now, struggling to get all the text into the D1 section so i've made it a separate file that I will attach. I assume the court will be happy to receive it via e-mail?

    Shall I just include the CCA and postal order with a copy of my response to nolans?

    I was going to post and respond tomorrow as the last date is the 4th


  3. #43

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    No royal mail

    Read the guide

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  4. #44

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    Email to court is ok yes
    CCA to Cabot!!
    1st class with free proof of posting from any p.o. counter

    Do not email nolans copy reply form use as above

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  5. #45
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    Got everything printed out today, will check it all over before I post it later.

    Thanks for your help.

    Received a reply from TSB this morning, they have contacted the departments again for a thorough check and they came back empty handed. Suggest I send a SARicon to Lloyds, which I already have done. They ain't got anything either.


    Just seems strange, clearly my information got passed on. Why isn't there any record...


  6. #46

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    ok well you've done your best

    look at it this way...
    in your reply form you are disputing the balance..
    if you cant get the info
    then nolans wont be able too either!!

    so if all else fails, which I doubt
    they will have to explain when and how payments wee made esp as you are disputing the balance.??

    - - - Updated - - -

    what bank account did you pay the loan from?

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  7. #47
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    They were paid from a bank account held with them too. I've got the statements there, I had sent some token payments from an RBSicon account after.

    The information I have from the SARicon had loan statements up until mid 2013 where it just ends with the line passed to Lloyds tsb recoveries and that's that.


  8. #48

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    the SARicon should hold all your BANK statements too
    its not just limited to the loan
    its ALL dealing with the group
    so do you have the bank statements?

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  9. #49
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    Sorry, I'm not explaining it well.

    The SARicon contained bank statements for all my accounts, a separate section labelled information from our internal systems and a section from the loan department.

    The part I'm querying is the last loan statement ends sent to recoveries but I don't have any information from that department.

    As far as I can see everything else is correct.


  10. #50

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    you were trying to confirm last payment
    your bank statements should do that....

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  11. #51
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    Yeah and it is the date they confirmed on the phone but I know I had sent a token payment later that I can see from my RBSicon statements. It's the moorcraft payment in Feb 2014 that's the problem.

    I'm sorry, I've just confused all of this.


  12. #52
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    So I've posted what needed posted.


    It's just a waiting game now, apologies for the last few posts was just getting worried I had messed things up and confused myself but i think it's all in order now.

    Thanks for the help so far, it's greatly appreciated.


  13. #53
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    I received this today from the court.

    I have just checked the tracking for my CCA return and it hasn't updated since the post office...

    Should I resend it? I fail to see how it couldn't have gotten there.

    Attached Files Attached Files

  14. #54

    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    nothing for you to do.
    signed for is never done by cabot.
    stop sweating read other spc cases here so you know what to do/say.

    if the claimant has not sent you ALL the required docs by the date the sheriff has ordered
    get on the phone to the clerks office and tell them you want the claim dismissed and an absolvitor issued
    read this too

    https://cse.google.co.uk/cse?cx=part...&sa=Search+CAG

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  15. #55
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    Default Re: Nolans/Cabot SPC Claim - old LLoyds Loan

    Hi!

    I received the standard cabot CCA reply today, don't have info on file so will request info etc. update in 12 days.

    Also received a lettericon for nolans saying they have asked the court for it to be paused. I have attached.

    seems bad form considering they stated they had the credit agreement.

    Attached Files Attached Files

  16. #56

    Default Re:  Nolans/Cabot SPC Claim - old LLoyds Loan

    pers i'd object
    they've had this debt since july 2017 knowing then they had NO PAPERWORK.
    they lied on the summons that they HAD the agreement.


    and if it were not for the summons the debt would be statute barredicon winthin a few weeks
    all they have done is issued a speculative claim to halt the statute barred clock.
    very unfair and underhand

    courts should not be used as a debt collectionicon tool

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