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. #61

    Default Re: cabot/restons claimform - Next store card debt

    That old missive letter,

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  2. #62

    Default Re: cabot/restons claimform - Next store card debt

    If you go read any reston claimformicon thread here
    Youll see the same type of letter re CPR 31:14icon
    Ignore

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  3. #63
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    Default Re: cabot/restons claimform - Next store card debt

    So do i just ignore it?

    I am so angry that they have the gall to ask me prove my medical history,

    Can I ask how much they paid for this debt & how much they make on it?

    I really am so angry about their attitude, shall I just ride it out?


  4. #64

    Default Re: cabot/restons claimform - Next store card debt

    You always were going to get angry?
    .you didnt read other threads and didnt research what rectum s do? And see this letter already?

    As post 62

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  5. #65
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    Default Re: cabot/restons claimform - Next store card debt

    I note it makes no more mention of Court proceedings, other than they are aware they received my defence in plenty of time.

    So it has taken Restons nearly a month to write what amounts to a 'threatening letter' who would ask for written medical proof?

    I am not about to share my numerous operation details with them!


  6. #66
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    Default Re: cabot/restons claimform - Next store card debt

    I did read what tenacious .....s they were, but I sent an honest & true account defence docs to the Court, these have been ignored by R's so I do not know now whether the Court is still involved or R's are just pushing it to see how far they can go..


  7. #67
    Site Team The Consumer Action Group Andyorch's Avatar



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    Default Re: cabot/restons claimform - Next store card debt

    The court has not viewed your defence as yet...that only happens if it gets to trial.

    There are 6 stages to a claim process.

    1.They issue claim
    2.You issue a defence.
    3. They consider defence and send out nonsensical computer generated templates to wind you up....and get you to converse with them so you can inform them of all the details of the debt....they only have an address an account number and value of debt...thats all they know at this stage.
    4.They either let the claim stay or in form the court thy wish to proceed...claim moves to allocation
    5 Claim is transferred to your local county courticon and directions are issued what each party must do in preparation for the hearing.
    6.The hearing and judge eventually sees details of the claim and your defence and then gives judgment.

    So yes the claim is still live and involved.....but its up to the claimant to move it to the next stage.

    Andy

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  8. #68
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    Default Re: cabot/restons claimform - Next store card debt

    Andy, thank you I am clear now. So I shall just wait & see & if it moves to county courticon,fine I will take all my paperwork and as I am retired with a disabled hubbie I'll offer 1.00 per month as all I can afford.!


  9. #69

    Default Re: cabot/restons claimform - Next store card debt

    They've gotta win 1st!!!

    Bit rare for rectums once CAGicon get involved

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  10. #70
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    Default Re: cabot/restons claimform - Next store card debt

    Hope so, thank you all for your help, what would we do without CAGicon? donationicon made for Martin RIP!!!!


  11. #71
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    Default Re: cabot/restons claimform - Next store card debt

    Restons seem to have passed the debt back to Cabot?

    I have sent no correspondence to Rest since their enquiry re producing proof of my health.

    Cbot are at present phoning every day and leaving a message on a/m which I refuse to respond to.
    I am assuming that Restons even tho' they love litigation are leaving this alone??


  12. #72

    Default Re: cabot/restons claimform - Next store card debt

    you can never tell
    they are both entitled to do things

    but safe to say you ignore them until unless they gather some docs then post them here
    or
    you get an N244icon from them that they are going to lift the stay and go for a Summary judgement

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  13. #73
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    Default Re: cabot/restons claimform - Next store card debt

    Another phone callicon from Cabot 10.00pm I have caller display and all their calls are logged on my phone, harassment!

    I am happy to go to court if it comes to that, I have all my docs re ill health & operations which I will produce at Court.

    I am NOT sharing my personal history with some two bit debt collectoricon who is trying their hardest to wear me down.
    I have submitted my defence, so no more for me to do (except pay them!!) I shall await their next move.


  14. #74

    Default Re: cabot/restons claimform - Next store card debt

    well you wont be doing that [paying them] anytime soon as they've failed as in post 72

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  15. #75
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    Default Re: cabot/restons claimform - Next store card debt

    Latest from Restons: Statement of goods purchased 20/8/12 incorrect, items I would never have purchased - cobbled together-
    Quote; Reconstituted Credit Agreement (no signature of course)
    Notice of Assignment 5/8/16 - never received
    Purpose of this letter is to give me the opportunity to withdraw my defence before an application made to lift the stay (formN9A)
    Alternatively our client is prepared to consider reasonable settlement proposals I may wish to put forward to resolve this matter amicably and avoid continuation of litigation.
    Unquote
    They are so determined that I am determined to ignore.


  16. #76

    Default Re: cabot/restons claimform - Next store card debt

    usual begging letter then...

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  17. #77
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    Default Re: cabot/restons claimform - Next store card debt

    Poor old rectums, desperation letter.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  18. #78
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    Default Re: cabot/restons claimform - Next store card debt

    Restons are so considerate! Today I received a lettericon offering me a discount of 500 if I paid at once, failing that if I put a monthly offer to their 'client'.
    I have now found more corres. that proves it is over 7 years old & the letter I wrote to Next stating the lack of CCA. So I am going to ignore these ***** from now on! thank you for all your help and advice, when you first open a county courticon Summons it is so scary, so thank you all again!


  19. #79

    Default Re: cabot/restons claimform - Next store card debt

    I can see a notice of discontinuance coming soon then.

    all these fake documents and statements..i wonder sometimes what the authorities might say about them...

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  20. #80
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    Default Re: cabot/restons claimform - Next store card debt

    Quote Originally Posted by dx100uk View Post
    all these fake documents and statements..i wonder sometimes what the authorities might say about them...
    Local MP?
    Media ?
    Watchdog ?


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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