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. #21

    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    as said doesn't say will anything

    wheres the CCA return?

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  2. #22
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Hi
    I've just noticed that they have sent two different CCA's.
    One is between Aqua Newday ltd and myself and a second which is between progressive credit ltd and myself.
    They both contain my details but no dates etc.

    I'll edit and scan these CCA's and uploadicon them over the weekend.
    Once again very grateful for the support.


  3. #23
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Ive no knowledge of the second cca with progressive credit at all.

    Attached Files Attached Files

  4. #24

    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    progressive finance [welcome finance] - whats that all about?
    can you put everything in one multipage PDFicon please not single pages

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  5. #25
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    the PDFicon files are now multi pages

    Attached Files Attached Files

  6. #26
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    Default Cabots have issued proceedings

    Cabot have now issued proceedings via Restons

    They have not supplied documents requested on the The pre-action protocolicon sent to Restons mid July including,
    Copy of The assignment of the debt from the original creditor (They say I was sent a copy when it was originally issued) …
    (I have never received any such copy )
    The default notices
    A complete set of statements relating to the original debt is a credit card showing all payments interest and charges.
    A valid CCA

    A CCA (the CCA supplied is between myself and a company I’ve never heard of.
    Its never been seen by me and not signed either physically or digitally.

    As far as I’m concerned, the CCA sent is a forged instrument and therefore does this make Cabot guilty of conspiracy to defraud?

    Do they have to provide copies of proof of debt to the court? If so why not me.

    Do I respond to the court claim formicon with a defence based on they haven’t provided the docs requested under the protocol??

    Is the next step going to cost me a fortune I haven’t got?

    Any ideas on what to do next would be gratefully received

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  7. #27

    Default Re: Cabot/Restons PAP letter now claimform -of claim - old vanquis debt subject to FOS complaint

    threads merged
    please keep to one thread
    title updated
    moved to legal forum.

    please complete this:

    https://www.consumeractiongroup.co.u...UPDATED-2018**

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  8. #28
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    Default Re: Cabot/Restons PAP letter now claimform -of claim - old vanquis debt subject to FOS complaint

    Hoope I've put this in the correct thread this time.

    Name of the Claimant ? Cabot Financial UK ltd

    Date of issue – 29.10.2018

    Particulars of Claim

    What is the claim for –
    PARTICLARS-

    The claimant claims payment of the overdue balances (set out below) which the defendent(s) have failed to pay as required under contracts with the following particulars
    acc no **********
    acc no **********, between the defendant(s) and Vanquis and new day dated on or about Sep 18 2013 and March 19 2014 respectively. The contracts were assigned to the claimant on Jun 30 2017 and June 09 2017 respectively.

    17.04.2018 Default balance 1700
    22.06 2018 Default balance 1080
    Post refCr Nil
    Total: 2780.00


    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes

    What is the total value of the claim? 3040.00

    Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? X2 credit cards

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

    Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? yes showing as the debt buyer not the original creditor.

    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. The debt purchaser

    Were you aware the account had been assigned – did you receive a Notice of Assignment? No

    Did you receive a Default Notice from the original creditor? No

    Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

    Why did you cease payments? I tried without success to arrange a payment schedule with the original creditors but they refused

    What was the date of your last payment? 04.04.2012

    Was there a dispute with the original creditor that remains unresolved? yes

    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon ? yes

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  9. #29

    Default Re: Cabot/Restons PAP letter now claimform -of claim - old vanquis debt subject to FOS complaint

    is that ALL the particulars of claim box says??

    you say your last payment on either of these cards [two] was april 2012?

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  10. #30
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    Default Re: Cabot/Restons PAP letter now claimform -of claim - old vanquis debt subject to FOS complaint

    There was some missing from the claim box, I only typed the lower particualrs. The first part is as follows:

    The claimant claims payment of the overdue balances (set out below) which the defendent(s) have failed to pay as required under contracts with the following particulars
    acc no **********
    acc no **********, between the defendant(s) and Vanquis and new day dated on or about Sep 18 2013 and March 19 2014 respectively. The contracts were assigned to the claimant on Jun 30 2017 and June 09 2017 respectively.

    Also I got the date wrong for the last payment, it should have been april 2014


  11. #31

    Default Re: Cabot/Restons claimform - old vanquis+newday cards two debts

    Cheeky lumping 2 debts together in one claim

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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