Yes the claim against me is stayed... and now they have judgment against my EX wife is that it dealt with?? can they come after me??

Hadituptohere

HIUTH, for their accounting purposes, some of the companies don't have a specific slot to put the SAR and CCA payments, so they do take it off the account. However, in a situation where they would attempt to claim that this was a payment made by you to the account, this can be challenged.

 

So they can pretty much do what they want with those legal fees, except claim that it was a payment made by you

lol This dropped through my door, not a good day for post.

Hadituptohere

robbersway.pdf

Hi all,

just received this from ME 111 ltd,

ive had a quick search and ME are marlins in another name,

I had a letter from Cabot with a total outstanding of £12000+ the other day notifying me of assignment from marlins to ME 111 ltd.

I checked with Northampton CC as this case was defended by myself but was in joint names with my ex,

they told me that my case was stayed

but they managed to get a CCJ against my ex for £9500+ S69 interest

and payments of £25.00pm were being paid but left a shortfall,

the interest on top of the payments being made have created a £500.00 increase over 6 months.

Now ME 111 ltd are chasing me for payment???

Any help appreciated, plz

Hadituptohere

marlins assignment.pdf

Thankyou again

Hadituptohere

Thanks dx... dont know how to edit the attachment or remove it.

hadituptohere

All of a sudden the amount is halved, and the £2655.00 was half previously... and there is the suggestion of legal action. still awaiting SAR

Hadituptohere

Crucially, a DCA can't start court action on a government debt - only the government itself can do that. And the usual rules concerning Statute Barred debt apply to benefit overpayments that were not the result of fraud, which this obviously was not. So it would appear that this is not recoverable in that way, but HMRC can make deductions from future benefits, including the State Retirement Pension, at any time in the future.

Just received this today

Hadituptohere

lcs child credits.pdf

never had any luck with the FOS and if it dint go in my favor wouldnt that give Barclays ammunition if it went to court???

ive seen the mortgage rate and we paid approx 1.5% over high street lenders fixed for three years then 2% over barclays base rate after the fixed period.

Hadituptohere

yes definately affected my mortgage application... I will have my son go into the loft when he comes home from his mothers on thurs ive got it all up there.

Hadituptohere

Cabot entered defaults on 04/06/03

Hadituptohere

Not as im aware.. I didnt apply/request the default removing

hadituptohere

 

The first Default the case brought by Cabot was struck out of court and now the admission letter from Barclays regarding the second default.

 

would the case struck out of court be enough evidence that the default was unlawful?

 

Hadituptohere

im sure it will...

is the quote above significant grounds to class unlawful defaults??

Hadituptohere

I am aware that the two defaults were the only factor that we stopped us using high street lenders at the time of applying for the mortgage.

I note what you are saying about it falling out of the realms of Small Claims . Quite a daunting thought.

Ill have a look at the comparison figures in the mean time

.

Hadituptohere

Im really interested in this matter, as said theres thousands of pounds, approximately £300.00 per month more than a high street lender paid and the mortgage is now 10 years old.

The first Default the case brought by Cabot was struck out of court and now the admission letter from Barclays regarding the second default.

would the case struck out of court be enough evidence that the default was unlawful?

Hadituptohere

One would have thought that you could now go back and claim the consequential losses and/or costs you incurred at that time. Incorrect Defaults and the effect that has had thereafter. So long as you can provide the back-up - 'in detail'- of those effects so there is no question this caused them, then I wouldn't leave it at that.

 

Well done anyway, I'm sure there are a number of people this happened to.

Has anyone any knowledge or know of any ongoing threads were someone has or is going through this process plz, not being lazy..Ill do a search now on this

Hadituptohere

Haha and what a 10 years its been, 10 years wiser I hope

Hadituptohere

Hi andrew1

Nice to see the Cabot Fan Club here again after such a lenthy time regarding this thread

I have all my papers stored neatly in a box in the loft, Credit reports from that time and Broker offers of only subprime lending due to the 2 cabot Defaults

Many thanks for looking in and your advise, I know your busy and much appreciated.

Hadituptohere

Hadituptohere

Heres the PPI breakdown amount:

barclays ppi 2.pdf

Hadituptohere

citizenB

THANK YOU for all your help over the years, deeply saddened to hear your stepping down and wish you all the best in your future..

Hadituptohere

Hi all

Sorry to drag this thread out of the archives but just received this letter from barclays

barclaycard ppi.pdf

Only 5 years from my Claim against them refused and 6+ years before I claimed.

The figures dont add up only £120.00 Late payment charges allowed when it was 490.00

That was the only 2 Defaults recorded on my Credit file at the time that led to my Sub Prime mortgage being taken up with GE Money and now they wouldnt have been there if they had of cleared this matter prior to my mortgage application!!!!!

Totally Stinks!!

Hadituptohere

I acknowledge that the DCA is powerless but can they pass information to CRA's ??

We aren't on speaking terms unfortunately everything has to go through our solicitors (her choice not mine) and split in 2010 and was divorced in 2011.

So any payment was on her behalf and without my knowledge as per the overpayment papers they apparently sent.

The SAR has been applied for online..

Thanks for all your advice and reassuring words

Hadituptohere

I will await the SAR but ive definitley not moved from the matrimonial home as I have the children

Charges? Dcas can't do anything anyway on a government debt

In what whay cant they do anything??? please

Hadituptohere

Apparently Payments have been made on this overpayment back in 2012 when we had seperated and been divorced at £40.00 per week

but then stopped and that wasnt by myself so must have been by my Ex wife,

it seems funny that my ex was aware of the debt

but it was me who was the continuous claimant for Tax Credits

and nothing had been brough to my attention?

Hadituptohere

thats good to hear and thankyou renegadeimp

Ive just completed the online SAR that unclebulgaria has pointed me towards.

Hadituptohere