I meant you in the above post but the little pointy man doesn't word here...

Hi .

I have received responses from both Cabot and the sheriff court.

Cabot say that the CCA request is still processing, and the line Unenforceable jumps out at me.

Sheriff says that i must attend a CMD meeting to discuss this matter.

I have attached all documents that i currently have.

What should i do now to prepare for this meeting on the 24th july.

Thanks in advance for any help given.

docs1.pdf

Not much you can prepare just make sure you have the Cabot response to your section 78 request and hi light the first paragraph.

Andy

Also read the linked threads in post 11

At a cmd you can ask for dismissal too

Quick update

Received letter from Nolan’s regarding the cmd ordered by the sheriff.

In the letter they go on to say about communicating ect, but I have no intention of communicating until the CMD itself.

I have a few concerns over the CMD.

As I have never attended one before.

All I really have document wise will be my CCA request letter and response letter.

Do i acknowledge the debt by the original creditor, but deny any credit agreement with Cabot finacial?

Also there doesn’t seem to be a list of documents that the claimant is required to produce, will I have To point out that out as it’s not a pers injury claim.

The CMD letter indicates that I acknowledge previous dealing between I and capital one, and should produce documents that purport to confirm that’s all debts have been repaid, this does not exist as debt was never repaid.

Just worrying a little about what will be asked of me and what I should actually be saying to the sheriff.

Thanks for any help in advance.

Scan up the letters and stuff you refer to above since the last upload post 27

Wording of nolan nonsense is vital

Hi

sorry for late reply.

this is a copy of the letter i received

19_07_2018 19_58 Office Lens (1).pdf

Had to hide that

Ref no showing

Is that all youve had since that other uploads in post 27?

Yes.

Received on documents that i have submitted.

Thnx

Go read about CMD in this thread again

https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt***Claim-Dismissed***

Yes.

Recieved on documents that i have submitted.

Thnx

sorry^^??

Typo

That is all the documents that i have received.

I have uploaded them.

I am just concerned over the lack of documents needed by the claiment.

Looking at that link, there was a list of documents needed to proceed.

At the CMD is will simply put forward that i have no knowen finacial or contracted dealings with said debt agency abbotts.

did you go read that thread I pointed too....?post 35?

hot being funny but unless you've done it whilst not logged in

you appear to have not bothered to read ANY like threads at all...

CAG is self help too..

but as its only a CMD that thread will tell you …

comeback after reading it with what you understand you do and don't do/say.

then we'll sort you out

its better you read it yourself rather than me repeat whats there.

Hi.

Yes i did read it, but perhaps not logged into account at the time.

Thnks

I will read over and over again

ok i'll be around all night just post

ok well you've not returned

don't allow any little chats before the hearing. smile tell them to...

I bet it wont be nolans rep anyway...

they have not replied to your CCA request …. what they have sent is not a compliant CCA return

tell the sheriff you want it dismissed..

don't allow more time...…………….

let the sheriff lead you

only speak when spoken too.

the claimant has failed to comply to my CCA request of date XXXXX

and has produced no documentation to prove their claim.

ie

Signed Consumer Credit agreement

notice of assignment that proves they own the debt and thus can bring any court claim in their own name.

no notice of default from the original creditor proving I defaulted on any credit agreement under section 87/88 of the consumer credit act.

no statement of account proving what the outstanding balance is made of.

good luck

Well?

Hi this is a copy of the response form that i sent to the sheriff and also nolans.

I should have put this up before sending it, to make sure it reads well.

I also made an additional D2 Letter but did not format it to PDF, so unsure if its acceptable to the court.

i think there is something wrong with the PDF files that i sent, they do not seem to open or read on mobile devices, but when i checked them on my PC and laptop they read just fine.

worried now that my response has not materialized correctly in digital format.

I have been reading those links that you provided DX, so thank you.

I read that they will approach me and ask to settle ect, or may not even show up at all which would be great.

Also that everyone is entitled to a per day solicitor or day duer at court for help and advice,

never had dealing with court so this is all new to me.

Required Evidence by claimant

DN - Default Notice

NOA -Notice of Assignment

CCA Request

All your help and advice is appreciated

Response form_4a (1).pdf

D1 EXTRA RESPONSE.pdf

So you sent a blank form 4a??

And didnt file all the correct defence in the link in post 16?

Hi DX

The form that i sent to both the court and Nolans has all my per's details and case reference number, i just removed those with xx-xx-xx when i uploaded the PDF file to this site.

Can i ask, are you able to the view my PDF files on your home computer or laptop, as that is the only way i can see any information, nothing appears on my phone or tablet oddly.

If the form that i sent was blank, would the court not ask me to resend it,

Also the fact that i was asked to attend a CMD means that the form must have had at least some information on it.

You need an app for mobiles and tablets for pdf

This thread here

https://www.consumeractiongroup.co.uk/forum/showthread.php?476735-What-To-Do-Simple-Prodedure-Rule-Claims-Scotland

Post 3..

Did you file that complete defence or just your extra pdf above?

No you are not entitled to free sols..and you dont need one..

But you must follow what we advise..not go off elsewhere and read fake info..

i have uploaded my response in single pdf files per page from my reply form, the most relevant pages.

I downloaded it from my sent emails, and then printed it out on the printer and have taken pix of it.

thanks

sent form 4a.pdf

ive merged your single PDF above

all ok there then your panic is over...

now go read and understand posts 41 & 42

that's all you need to do now..

Hi.

Arrived at court , was more of a room full of other people with simple procedure claims.

I was first up,

I was very nervous and didn’t get across everything I should have said correctly, but I don’t think the judge was interested in what I had to say and did not agree with what I did say.

No Nolan’s appeard, just a Sherriff rep i think stating that I had asked for a CCA, but have not yet received yet from capital one and Cabot.

Judge gave them 2 months to produce 4 documents, And if not produced case will be dismissed.

will upload the letter once I receive the document list.

I will assume that Nolan’s will indeed produce the list of documents required.

It felt very much geared towards the claimant in court.

Thanks