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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

trolley

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Everything posted by trolley

  1. trolley
    How long do i give Cabot? I sent the letter on the 09/02/16 If they don't reply what are my options? thank you
  2. trolley
    Perfect, i knew it would be that simple but didn't want to assume Thank you again So now I wait for the CCA? While keeping an eye on the clock
  3. trolley
    Thank you Ford Sorry, Do I also want to contest jurisdiction?
  4. trolley
    Also if i 'Acknowledgement of service' and then they produce the documents they need to, can i then pay the outstanding balance and avoid a CCJ?
  5. trolley
    Just in the process of doing it now I have sent the CCA to Cabot and tomorrow will send of the CPR 31.14 tomorrow. With regard to the CPR 31.14, The particulars on the claim don't mention any of the following, 1: the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2: the assignment* 3: the default notice* 4: the termination notice* 5: statement of account* So should i remove them all? Sorry if it sounds a stupid question.
  6. trolley
    Name of the Claimant Cabot Financial (uk) Limited Date of issue – 05 FEB 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? The claimant claims payment of the overdue balance from the Defendant(s) under a contract between the Defendant(s) and Capital One dated on or about May 26 2010 and assigned to the claimant on Sep 28 2015. Particulars a/c no ****** Date 15/01/2016 Item Default Balance Value 328.70 What is the value of the claim? £329 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After (2010) 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? No letter but Noddle showed the change Did you receive a Default Notice from the original creditor? Not that i remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Lost my job and buried my head What was the date of your last payment? Mid 2011 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 plan? No
  7. trolley
    Hi, I have received A County Court claim form with regards to an old Capital One card, now owned by Cabot & the hunting pack is Restons. I will send a CCA Request to Cabot today with a £1 postal order & also reply to the claim with the Acknowledgment of service. Does that sound correct? Thank you I'm assuming this is a proper Court claim form and not a Restons special.
  8. trolley
    I thought a default had to be issue 7 days after the breach?
  9. trolley
    This has now been corrected on my credit file. Thank you for the help. I'm now going to try and claim back fees.
  10. trolley
    How did you get on with this OP?
  11. trolley
    Received my SAR finally. Quick question, can I claim late fess and penalties even if the loan became sb?
  12. trolley
    Still haven't received my SAR from Welcome. The default has been removed though.
  13. trolley
    Yeah I guess so, just though it might get removed quicker if I contact them. But what' a few months when it's been so many years. Thank you for your time today. Will keep this post updated.
  14. trolley
    Because it's showing incorrectly on on my credit file, it's showing as defaulting in 2010 when it should be 2008. It should be SB
  15. trolley
    It defaulted long before 2010, MKDP have registered a default from then. Would've been late 2007 early 2008 at the latest. I'm sending the SAR tomorrow to get exact dates. I've never had a NoA. Sending CCA shouldn't cause a problem as it's SB? Thank you
  16. trolley
    Hi All, I took out an unsecured loan in March 2007, i made payments for 4-5 months and then lost my job. I buried my head in the sand and ignored all contact from Welcome Finance. I have a letter date 17/11/2007 saying i need to contact them within 5 days of the letter or they will consider legal proceedings. This letter and my original credit agreement are the only things I have. the date of default should be end of 2007 or early 2008 at the latest. I see nothing of Welcome Finance on my Noddle report but MKDP have a default from October 2010. I believe this is when they purchased the debt. I know this is wrong, i have reported it on Noddle but it won't change on other CRA's will it? Is the 1st move a SAR to Welcome to get the exact date? And also CCA to MKDP? Thank you in advance
  17. trolley
    Do you mind if i use this too Brigadier? I defaulted early 2008 (I don't have the actual date - Should I send an SAR?) Sorry to hijack a thread
  18. trolley
    you can also email your schedule to them. the email addy is on the site
  19. trolley
    I didn't add the court costs to my claim, was i supposed to?
  20. trolley
    Its been a while since i started cos i had a few personal probs but my oneyclaim has gone in and they have 13 days left:D
  21. trolley
    Recieved my bog standard letter telling me that they're not paying me. LBA goes 2moro
  22. trolley
    it in my sig i'm gonna take action with burtons & barcalays too
  23. trolley
    Update Received my SAR today and have sent prelim letter off!
  24. trolley
    Prelim letter sent today. Wish me luck
  25. trolley
    cheers

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