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 Cabot PAP Letter BOS Credit Card taken out in Scotland

    ok post 13 then
    dx

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    DX
    RIP Martin3030

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  2. #22

    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    dx - ok great many thanks for your help


  3. #23

    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    I had to get someone to print this off die to my printer not recognising the ink cartridges, sigh.

    What should my reason be when i tick box D to dispute the debt?

    'box D tick - I dispute this debt because..recommended reason as advised from your thread'


  4. #24

    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    gotta be something vague
    when did you take this card out?
    what is the defaulted date from your credit fill summary page

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    DX
    RIP Martin3030

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  5. #25

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    taken out in Nov 2008 and defaulted on Dec 2010..

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  6. #26

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    if the debt was defaulted dec 2010 it should not be even showing on your credit file

    did you complete the DAS?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  7. #27

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    Quote Originally Posted by dx100uk View Post
    if the debt was defaulted dec 2010 it should not be even showing on your credit file

    did you complete the DAS?
    I kept a note of the amounts and default dates, the debt does not show up on my credit file.

    I did not complete the DAS due to unemployment, after more than one payment break they cancelled the DAS. Thats when it got handed to step-change to deal with.


  8. #28

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    if I were to be honest here things could get sticky
    you cant dispute you don't know about the debt
    you cant dispute you don't owe anything
    you cant really dispute the claimed figure
    and , TBH its a 2008 sign up so a recon agreement will the bill
    so hoping their paperwork is crap enough to be deemed unenforceable might be a tall order.

    I think you are just going to have to put ...because..i do not remember the exact details .

    theres enough here at present to run with the fact that the DAS provider pre 2010? and stepchange handles everything and 10yrs say is a bit long to remember exactly what it os all about and what has/has not been paid or not.

    lets keep it vague at present.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  9. #29

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    dx - many thanks for your reply. Ill write what you have suggested and get this posted asap. Thanks again


  10. #30

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    It looks like i left it a bit late to send off my CCA Requesticon and my letter. I received a lettericon for them taking me to court. What do you guys suggest i do now? I have attached the PDFicon.

    Attachments Pending Approval Attachments Pending Approval

  11. #31

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    no look at it carefully
    its not from them its from northants bulkicon.

    anyway
    easy done
    next time do not ignore a pap letter and always let your creditor know a change of address

    I've moved you to the legal forum and amended your thread title

    please complete this:

    https://www.consumeractiongroup.co.u...-Viewing)-nbsp

    and I#'ve hidden that uploadicon
    you've left pers info and the password showing
    but we don't need to see it so don't worry

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  12. #32

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    dx thanks for your reply.

    The issue date on the claim formicon is 28th Nov.
    I received the letter late because of it being sent to my old address and it being redirected.
    Today is the 18th Dec does it look like i have failed to respond within 19 days?


  13. #33

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    Log into MCOL now and see if you can acknowledge service.

    We could do with some help from you

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



    If you want advice on your thread please PM me a link to your thread
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  14. #34

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    andy thanks for your reply - i was able to do the acknowledgment of service and choose to defend all of the claim.


  15. #35

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    Name of the Claimant ? - CABOT FINANCIAL (UK) LIMITED

    Date of issue – . - 28th Nov 2018

    Particulars of Claim -

    1. By an agreement between Bank Of Scotland and the defendant on or around 28/11/2008 ('the agreement') Bank of Scotland agreed to issue the defendant with a credit card.

    2, The defendant failed to make the minimum payments due and the agreement was terminated.

    3.The agreement was assigned to the claimant.

    THE CLAIMANT THEREFORE CLAIMS 1961.62
    2. Costs.


    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (pre action protocolicon) ? Yes i think that was the PAP letter i received.

    What is the total value of the claim? 2146.62 (including courts fees)

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

    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...) ? - no

    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. - debt purchaser

    Were you aware the account had been assigned – did you receive a Notice of Assignment? - yes

    Did you receive a Default Notice from the original creditor? - yes

    Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - i dont know

    Why did you cease payments? - advised on this forum the debt might not be legally enforceable so i choose not to pay.

    What was the date of your last payment? - i was making token payments through step-change so my last payment of £1 was in Aug 2016.

    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 planicon? - yes i was in a DAS and also making payments through step-change.

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  16. #36

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    Quote Originally Posted by mystic_bertie View Post
    andy thanks for your reply - i was able to do the acknowledgment of service and choose to defend all of the claim.
    That was lucky....Defence due Friday 28th Dec by 4.00pm

    We could do with some help from you

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



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  17. #37

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    cheers andy

    do i also need to send off the CPR 31.14 Request for credit cards?

    To be honest this is getting complicated for me.


  18. #38

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    pop up on the MCOL website detailed on the claimformicon.
    .
    register as an individual
    note the long gateway number given
    then log in
    .
    select respond to a claim and select the start AOS box.
    .
    then using the details required from the claimform
    .
    defend all
    leave jurisdiction unticked.
    click thru to the end
    confirm and exit MCOL.
    .
    get a CCA Requesticon running to the claimant
    leave the £1PO blank and uncrossed
    .
    get a CPR 31:14icon request running to the solicitors
    .
    type your name ONLY

    no need to sign anything
    .
    you DO NOT await the return of paperwork.
    you MUST file a defenceicon regardless by day 33 from the date on the claimform [1 in the count]

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  19. #39

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    Happy new year

    dx many thanks for your reply, i got the CCA Requesticon sent off and the CPR 31.14 sent off about 10 days ago.

    I just received a lettericon from the solicitors. It refers to my letter dated the 5th Dec so that must be the CCA i sent to them earlier in the month. They are saying they dont have the necessary documents that i have requested and so they have asked their client to provide then. They said they have put the matter on hold for now. SHould i post a copy of the letter?


  20. #40

    Default Re: Cabot/mortimer claimform - old HBOS Credit Card debt

    Urm you have filed your def on 28th?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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