Hi Crapbot have replied with another illegible copy of an application form, terms and conditions that are different again, statement of account that is only for 2007 - 2008, notes from their system and a notice of assignment, that I have never ever had. They also sent a copy of 'a letter before action' that I have not received either! They say that they have asked MSDW (now Goldfish) for a copy of the 'deed of assignment', surely they would have that already? They have completely ignored the DN that Goldfish have sent me, surely they must have wamted that from Goldfish if they were to take legal action. maybe they have ignored it because they know it is all crap? Have to do defence statement now:eek: Anybody got any thoughts on their behaviour?

Thank you very much for that, I will put it in my defence. The DN is completely wrong so they cannot go any further. They have not sent me any letter before action either, which I know is their new thing that makes it all okay for them to go to court. I am going to go through it all this w/end and type up a defence, there are lots of holes in their case. I don't not want to pay but do not want them to get enforcement. If they were reasonable at any step of the way then I would negotiate, which I think is most people's gripe with the DCA's. I will update thread with defence soon Cups;)

I am going to sit down and go through it all, they have dn'd me at 'Goldfish' when I asked for a copy of the agreement. The one they have sent is illegible (and took a year to find) and has a definite omission in a big bit that is 'just blanked out'. Cabot say they don't know what is there? All very strange Cups

Hi I have the DN and they have not sent me one in the bunch of docs that are shown as 'representations' of documents. They have also only sent me statements for a year or so. They also state that they 'have requested acopy of the deed of assignment from the original creditor' it is all very strange. Cups

Hi PO I am interested in this. I have for some years paid MSDW (now Goldfish). I CCA'd them (start of 2008) and then they ignored me and sold on to Crapbot. They did DN me prior to the sale. It is incorrect with no date etc and shows that in order to remedy the default I had to pay £0.00. It showed I owed them no money in arrears. The DN is headed 'Goldfish' bank and an account number that I worked out was the MSDW card. I never knew they had taken it over. Crapbot did after a year find an illegible and incomplete 'application form' but that is it, and have just started proceedings. I am about to submit a defence, but the DN is wrong, can Crapbot issue another, I thought they couldn't ? Appreciate your input on the whole DN issue. I have started a thread, but not really picking up any advice. Thanks Cups:confused:

Hi I have sent off a request under the CPR, sections 18 and 31 to Crapbot so they got it on the 24th December. i need to put in a defence before 18th Jan, are there any ideas about how long I should give them to respond? I doubt they will. Thanks Cups

Thanks Spamheed I have gone through the corries I have and the notice of assignment was sent by Cabot on a piece of Goldfish headed paper? There is no account number or anything on it, as it was originally a MSDW account this is just rubbish! Also Cabot have ignored my complaint I made in April this year and have made no contact with me since then. Any advice would be appreciated. Cups:)

Hi After hearing nothing for all this time I have received a county court claim from Crapbot's solicitors (Morgans). Particluars of claim are that I owe them **** and that is it. I have just been looking through their letters and reslised that Goldfish / MSDW have sold the debt to Crapbot after I CCA'd them. I sent a CCAt to Goldfish in February 2008 and they never responded, then sold it to Cabot in April 2008. Can they do that? Also the DN that Goldfish sent is dated 29/01/08 but just gives the date for remedy as '28 days from the date of this notice'. It also shows that the action that is required for remedy is payment of the total of the arrears £0.00. So in effect I had to pay nothing to remedy the problem. This doesn't make sense either? Also nowhere on there does it show that it is a Mrogan Stanley dean Witter card, I was supposed to work that out for myself, it just gave an account number. Any advice woulod be great Cups

Hi DD Been away for a while and just changed jobs. Not heard from them for a while, told them to get lost. I think now that I have written on here I will get a letter tmrw. They have already told me they could not enforce it in a court so maybe they will try to, you know what they are like. Cups

I think the phrase is 'what goes around comes around'. They are a shower of ~~~~~! I had a few calls from them months and months ago and told them to get lost, don't even know what they were calling about? I barred all of their numbers, sounded like they had the local youth club working for them anyway,

Hi I just got a tomlin Oorder as well with tesco and Cobbetts. The Judge did his best to negate the Solicitor's charges for me. Well done as you got what you wanted from it. Cups;)

Hi DD is right about AIC. You could always send them the do not phone me letter, and ask them to take your numbers off their records. I recently told them on the phone not to call me and I have heard not a bean from them. You have to be quite strong, but polite and they should get the message. I did not enter into any conversation with them, just note down the name of the person who you speak to when they call as well. Don't worry about it too much, let them get on with it, or not. Cups

Hi DD I am going to send one last letter. I have threatened to go to Kent Police, they know that there is a deliberate omission on the form but they choose to ignore it, they must know what it is! The form is also illegible, completely,,all very straange. See what they say about the police,, Cups

Hi They say I have no complaint and pay up or else,,this is rather stroppy on their behalf . They are going to get a letter and a half back. I think that the white box is probably PPI, and rather that pay that back to me they are trying to ignore it. Cups

Well I went to court today and sort of won and sort of lost. I turned up and admitted that i had the DN, termination letter and other corries, some of which were notes that the man at the Credit Dept for Tescos had told me not to worry about the issue of the Dn and to ignore it! The Judghe seemed to appreciate that I had found the letters but seemed unwilling to listen to my argument that the DN was invalid etc. I explained that I felt that Tesco had acted improperly etc in not keeping these documents but their barrister just argued 'that this is the way all companies act'. He seemed to think that it was acceptable. Anyway I went on to tell that Judge that since the DN had been issued that they had continnued to accept my payments, for over 5 years. He asked why I hadn't settled the debt, it seemed to elude him that I couldn't afford to do that. I then told him that if I got a CCJ I may lose my job and that seemed to make him think and he then suggested a 'Tomlin Order' was the way forward. I thrashed one out with them and have agreed to pay more to them. It is due for review in 6 months but the Judge said that was no problem and that as long as I continnued to pay then there would be no order. I have escaped a CCJ but have taken a hit for standing up to the banks. Intotal about £1100 in costs. I feel better for standing up for myself but I do feel that Judges need to wake up to the scams being pulled by the banks. Thanks for everyone's help and support. I have one more case on the go at the moment for court,,so I will see what that one brings. Cups:D

Hi I think to complain about the Judge is without doubt the best way to go as a first point. If he does hold these 'ideals' then all well and good but he has made a mistake to say it on tape during the hearing. The tape will get sent to their complaints dept. I have already said today that you could not get away with the tricks of these companies in a criminal court,,the lack of continuity and evidence is appalling. Good Luck Cups

Hi I am going to send that letter off tmrw. What seesm strange is that the print of their form is blurred to the point that it is totally unreadable, the print of my writing is legible and always has been which does not make sense. The 'white box' is definitely an omission that is deliberate, it is too square and straight edged to be anything other than deliberate! Will keep you posted. Cups x

Hi to you both, and congrats on standing up for yourself. I was at court today and had a partial win, but I think that you are right about Judges and not wanting to 'block up' the court system. Just because they have the CCJ does not mean that they will get the charging order. Please keep your chin up and write a book about the dreadful state of affairs whereby companies do not keep accuarte records. In a criminal case they would not get away with it. Cups xx

Also I have gone through all of the corries and I have anote on a letter saying that I spoke to ~~~ who works for Credit management Services and he told me to ignore the DN. I then wrote to the CAB a bit later on, a couple of weeks later, and updated them on what that person had said about the DN etc. I tried to update the solicitors today but they seem unconcerned that I had found the DN. The person responsible for the statement for the claimants is not going to court tmrw, an agent is being sent instead. Does anyone know if they have to get permission to do this? Any advice appreciated, Cups

Thank you for that, it seems to cover all of the points. I will send that off this week, the more I think about it the more it seems that they have pasted my details on to a form, my details are legible but the form is not which doesn't make sense, Cups

Thanks for that. I am going to write back and say leave me alone. I can see that some of it looks like my writing, which is legible but the actual form is completely illegible, even if it is enlarged it it impossible to read it. They are really trying to decieve me with the form, I gues that the blanked out area covers over a PPI section! Cups

Hi Had a response and they don't know what is under the white area of no text, the form is still unreadable,,they are idiots at Crapbot,, Anyone else had the same? Cups

Can someone tell me what they think,,I am going to go with the DN being invalid,,because of lack of time,,pre 2006,,it was sent in 2003 am I right in thinking 7 days because it is still invalid,, If Cobbetts hadn't gone for this quickie hearing I could have written to the court to telll them I had found the DN,,but I haven't had a chance so will bring it up on Weds,, Any advice would be great Thanks Cups

Hi Just had a quick read of this,,and see that someone else is looking at this like me, the two copies of the form seem to be different to me. I think that the type face is two different sorts. I would say the first is 'aerial' and the next something like 'new roman'. They seem to be the same font size but the actual type is different. This would lead me to believe that they are two seperate forms that they are trying to pass off as the same. Only my opinion. Cups.

DTF Thanks, i wprior to e 2006 date so it is 7 days, I think. I have just found this DN so have not had time to tell them about it. ShallI just wait til court on Weds or should I try and tell them on Tues? I feel an ambush coming on, I know that they have got away with the no DN kept argument before, luckily I have found mine. What is interesting is, is that the actual DN just has a date for the remedy on, which says before the 27/10/03,, but the date on the accompanying letter is 17/10/03. They haven't put a date on the D for the date of service whichI think is a deliberate ploy on their part. The 'copy' of their standard DN does have a place for the date, which I think is sneaky. Does anyone think I should call them on the Tues to let them know about the DN, they have not shown me any considertion at all so I am tempted to not shown them the slighttest bit! Cups