Hi DD.thank you for the copy of the Litigation Privilege Notice,just a couple quick questions,should i just copy and paste it in a a message on this thread and am i alright in doing this,i do not want to get in trouble with the site team. barns66

Hi DD,thank you for all your help. barns66

Hi DD,thank you for telling me that i would have most likely put the date,if i had posted earlier. barns66

Hi Satterthwaite,yes near the end of next month July. barns66

Hi DonkeyB,i never thought about that,i will get a letter sent to Barclays,asking them to clasrify what they have or have not got.I will also send a letter to Cabot/Morgans to let them know i am doing this along with asking them to clarify about the agreement..Once again thank you DonkeyB barns666

Hi Shadow.i know on mine they are claiming the full amount plus interest.although i have got a default notice from Goldfish.I am at a big disadvantage now as when i sent my SAR to Barclays/Goldfish they could not supply me with any documents as they said there was no account with that number or any in my name or any at that address. barns66

Hi,it does sound as they can play it both ways and get away with it then. barns66

Hi,no problem,it does look though as they can have there cake and eat it.I can not see see how Barclays.Goldfish can produce documents for Cabot/Mrgans but when i SAR them they can find no accounts for my name or address. barns66

Good morning.Hadituptohere,thank you once again for your help on this matter.I will include in the bundle i send for the judge to read over the 7 days before the case regarding the copy of the application form with the white sticker. I will also send a copy of the letters once again about the reply from Barclays/Goldfish to my Sar barns66

Gaood morning DD,i will write to Morgans again to ask them to confirm or deny what i asked for. It does is very weird how Barclays/Goldfish could not produce any documnts after i sent a SAR to them.Once againDD thanks for your help. barns66

Hi DD thank you once again for your good advice.When i sent Mogans a letter to deny or confim they had a proper executed credit agreement they just sent me a another witness statement. I had a look on my credit file at Experian,there is nothing there about a Barclay card as there is on Equifax,the Cabot one is there. I can not understand when i send a SAR to Barclays/Goldfish they could not supply me with anything as they had nothing for any accounts under my name and address. barns66

Hi,i have looked through all the raw data sheets they have sent me and i can not any reference to a default there. I notice on my credit file that Barclays have a file on there that is marked satisfied,with no default recorded. Cabot have a default recorded on there file,using a Cabot credit card number not the original Goldfish number. When i asked Cabot/Morgans to supply all the documents they hold on me including original CCA,default notice and termination notice,they replied they did not have to as the account was not terminated although most most letters i get from them say the account is in default. I am almost certain they where messing with my credit file on equifax on the 31st March 2011 I also received from them i think in early February 2010 when they sent me the documents again when asked,they had stuck a white sticker in the box under where the application number is on the right side of the copy of the application form they sent me whene asked for documents again at that time. now why would they do that. barns66

Hi Sarrerthwaite,thank you for the info.regarding defaults.I hope you have more success with Cabot/Morgans with getting any documents or even sense out of them.I am sure the default notice i received from Goldfish in October 2007 was not in the correct format,this is an amended paticulars of claim,they tried last Augusrt and it was sent back to them for not having enough information in it,I found they do not complie to court dates,it took me from August 2007 to January to receive the new claim,it seems to me all they have done is change the account number on the claim,i still do not know if that was the account number when the account was opened.Good luck to you with Cabot/Morgans. barns66

Hi Satterthwaite,Cabot have never sent me a default notice as they say that they are not required to,as they are only collecting the arrears and not terminating the agreement.I have SAR cd from Cabot that shows the default notice from Goldfish but i have never been sent a copy of that.I have my own default notice from Goldfish dated 2nd October 2007 giving me 28 days from the date of the letter to rectify the default,I have looked on my credit file and Cabot have a default on there dated 30th or 31st October 2007,i presume that Goldfish must have put it there as Cabot did not own the debt then.I hope that helps and thank you very much for your interest in my thread. barns66

Hi cups,thanks for your best wishs.I think they do not read what they are asked for.I might sent them some more good reading material and see if they send me a third witness statement thats nothing to do with what i send them. barn66

Hi Volvo,thanks fpr your best wishs.Will be good reading when you can post how they where beaten. barns66

Shadow,i agree that the extra witness statement is a waste of paper as you say it's not surprising that one is not going to back the other up.Thank you again Shadow for your interest in my thread. barns66

Hi Gallhad,it looks very much like they can not confirm that they have a proper executed credit agreement.Thankyou very much for your input to this thread. barns66

Hi Shadow,thank you once again. barns66

Hi I had a reply from Morgans this morning in reply to my request for a copy of the actual agreement,asking them to confirm whether Goldfish or them selfs currently hold or ever held a properly excuted Consumer Cedit Agreement pertining to myself .If they did not have the documents they where obliged to tell me. What received was a Supplementary Witness Statement from another Litigation Associate in the employ of Cabot,say in that (1) I am a Litigation Associate in the employ of Cabot Financial (Europe) Limited ("Cabot Europe"). I have the conduct of this particular account on Cabot Europe's behalf and i am duly authorised by Cabot Finacial (UK) Limited ("Cabot UK")and Caabot Europe to make this Witness Statement on Cabot UK's behalf.The facts which i give in this Witness Statement are from my knowledge of the facts of the matter and from documentation obtained fromm the Assignors of the debt together with information obtained from records held by Cabot Europe relating to the collection procedures adopted in this particular case. (2) This is the second witness statement made in this matter The first Witness statement ("the first statement") was made my **** **** and dated **April 2011 and is duly filed and served. Mr.**** is otherwise engaged in ****** County Court and is unable to attend and give eveidence at the hearing of this claim on ** July 2011. (3 )I have personally investigated the matters raised in this claim having perused all documents produced and satisfied myself of their sources and considered the statements by and on behalf of both parties and confirm i am competent to make this statement. (4) I fully adopt the statements of fact made in thre first statement the being from my knowledge of the matter and from documentation obtained from the Assignors of the debt together with information obtained from the records held by Cabot Europe relating to the collection procedures adopted in this case and i rely on thr said first statement. I believe that the facts stated in this Supplementary Witness Statement are true andi am duly autorised to sign this Statement of Truth. I take it they are going to still rely on the documents i.e application forms and the redacted deed of asssignment signed on the 30th November 2007 more that 4 months before the debt was supposed tio have been assigned to them. barns66

Hi Shadow,thank you very much for your help.i sent my witness statement to court on time,i send disclosure documents to Morgans and court on time,i will put everything i have in my bundle that you suggested i should send to court for the judge to read before the trial. barns66

Hi Hadituptohere,i have sent my disclosure documents to Morgons in April and to the court in my witness statement. barns66

Hi ,thank you Shadow and Hadituptohere fpr the information.I have a copy of the assingment with pages blacked out.I see the deed of assingment is dated 30th November 2007,i was not informed untill Aoril 2008 in a letter from Cabot that the debt had been assingned to them.I also know that i paid Goldfish a payment in early 2008.along with letters from Apex wanting to collect the arrears in January 2008 0n behave of Goldfish.Once again thank you for your kind help. barns66

Hi,can i ask a couple of quick questions as i want to be fully prepared to defend this.Firstlly should i have been notified straight from Goldfish that they had sold the debt on to Cabot,the second question is can i ask Cabot how much they paid for the debt or get them to reveal to the judge how much they paid for it. barns 66

Hi cymruambyth,thanks you for your welcome suggestion,i will do what you suggest.I will point out the date on the date cCabot send me the letter saying it was assigned to them and the date on the deed of the assignement,might make no difference. but will never know if i do not point it out.Along with other things i think are wrong.Thank you once again. barns66