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sugg1

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  1. Hi I can`t find a letter regarding default notice but i might have had a letter at some point from cabot with a default on i I found a letter from cabot saying that cabot has recently brought the account i held with citifinancial ,the actully date is not showing but they have used a stamp saying "representation of a letter to customer created on (then hand written) 20/06/2011 Also found at letter dated 28th August 2008 saying "cabot purchased the account on the 26th April 2006. What about the PPI on the card and default charges is that the same as late payment charges,what do i do about that?
  2. no found nothing ,but then again its not an agreement its just page upon page of T&C
  3. Please can someone give me advice about what to do next like i say ,i have got to sent in my defence to the court today ,or can i do it online. Either way need advice
  4. we lost the PPI case but the judge refused to allow blackhorse repossion of the house or for us to pay the £4,000 court fees that BH wanted us to pay with 28 days and referred us back to the district judge. we went back to the district judge and said about the unsigned agreement and the first time blackhorse wanted payment of £50 amonth the judge refused this because of the unsigned agreement and BL were told to come back a later date ,so went back again a couple of months later and the BL solictor was a diffrent one and said he knew nothing of the unsigned agreement ,so again was told to come back at a later date ,well this time BL never turned up so the judge said he would write to them and say they had to a certian date to reply with there defence or the case would be thrown out,well they never replied to the court so it was thrown out and now when we contact them via letter they either don`t reply or if they do its only about PPI and not the agreement its self ,no payments are being made and no interest being added. There was never any mention of the PPI being paid back to us.
  5. another update ,a couple of weeks ago we had a letter from Blackhorse offering us back our PPI money from the account which they took us to court for. We have not accepted it as we still have the problem with the unsigned agreement and we feel that if we accepted the money we would then be bound by the T&C of the unsigned agreement. We have also had a letter from them going on about the PPI and again not anything about the agreement ,they will just not mention in their letters about the agreement full stop.
  6. Can anyone help i need to get the paper work sent off today
  7. Yes i requested what you mentioned above. In the paper work recieved there is a letter dated 13th April 2010 and it says we enclose true copies of the debtors original and FINAL agreements with citifinancial. so is that Notice of termination of account
  8. I can`t find a letter regarding default notice but i might have had a letter at some point from cabot with a default on it No dont seem to have a termination of account Yes there was PPI on the card and default charges is that the same as late payment charges A letter from cabot saying that cabot has recently brought the account i held with citifinancial ,the actully date is not showing but the have used a stamp saying "representation of a letter to customer created on (then had written) 20/06/2011 Also found at letter dated 28th August 2008 saying "cabot purchased the account on the 26th April 2006.
  9. I Recieved the paper work back and i took the card out in 2002-2005 and cabot took on the debt in 2006 ,it seems we paid them threw a 3rd party from May 2006 till May 2008 when my husband was medically retired from his job. since the cabot has charged me £19 amonth interest. Also the credit agreement was just a huge budle of papaer with T&C and no signed agreement. I need to put in my court papers in a few days time so what do i need to put as my defence ,that both me and my husband are disabled are income is low and also do i contest their interest charges.
  10. As i have said i got the card 2002 and was only able to pay for 1-2 years as i lost my job so that would make it 2003-2004. I now will SAR citicard and do i SAR cabot as well i have been on to acknowledge the claim online so how do i know i have got the extra 14 days and also what if the SAR takes longer then the 14 days. Also anyone know where i send the SAR for citicard.
  11. ok came across a old credit file and it shows the citi card started in 2002 and i know i paid for 1-2 years at the very most then lost job ect it shows that citi card defaulted me in 31/03/ 2006 the default notice balance was £2,445 and currant balance was £1,890 Then seems cabot took over and on my credit file cabot had all the same details as citicard had start date ect all the same but company name was now theirs and not citicard and the default balance was £2,445 and currant balance had gone up to £2,776 also default date as 31/03/2006 the same as citi card had put but updated by cabot 06/07/2008 the court order says in a box on the left hand side: the claiment is the assignee of a debt from citifinancial citi classic card ref****** notice of assignmenthaving been giving to the defendant in writing.despite demand for payment of £3,133.67!!!!! remains due.the claimant claims £3,298.67 and interest under s.69county courts act 1984 and cost. I have letters from cabot dated 14th july 2008 -owe 1870.85 11th sep 2008-1870.85 4th august 2008-2439.85 1st september 2008-1870.85 why it went up in august then back down a month later i do not know. But the figure of £1,870 i remember being right with citicard The figure i owed citicard was £1,870 and cabot want £3,298.67 thats increase of £1,428.67 I will be contacting the court online and extending the time and do the SAR to citicard. And to dx100uk yea regards to blackhorse ,don`t even mention them they seem to be doing everything not to go back to court and not show us a signed agreement. Me and my husband are both disabled and can`t afford to pay to take them back to court
  12. I recieved a court summons from Northhampton court for a debt from citicard and was passed to cabot years ago. But the debt is status barred at about 10 years and we have never knowledged are debt with cabot. what do we do from here with the court papers ect. We have 14 days to reply.
  13. yes this is what i was thinking that it could be benefit fraud ,but the thing is i don`t know if she informed the council at the time or in the forms they filled out that she was moving in with her boyfriend and his family or just told them it was friends
  14. Hi,Just wondering if someone can answer this question. My daughter walked out and moved in with her boyfriend and his family 2 weeks ago. she informed me today that she has put in a claim for HB while living with boyfriend and his family ,i asked if she do could this as she is sharing her boyfriends bedroom so living as a couple and she said yes her boyfriends mum and herself filled out the forms,i asked how much the rent was and she said she is paying £100 amonth the same as boyfriend does ,but the HB will be for £240 amonth. she then told me in a few months time they are hopefully having their loft made in to another bedroom so she will have her own room/space so it won`t be a problem. but is`nt she committing benefit fraud until such time as she has her own room?
  15. thank you citzenB ,still going threw SAR and might have more interesting info will let you know later
  16. OMG this morning we were looking threw the SAR from blackhorse and we came across some paperwork from a law cost firm that blackhorse used and this law cost firm told them 5 months before the court case regarding repossion that we would claim for mis-sold ppi and for a defective orginal credit agreement ,blackhorse were told to cut us a deal and drop the case. How the hell this company knew 5 months in advance is beyond us ,we had never mentioned mis-sold ppi before the case and never even brought up about the unsigned agreement untill a year later. it does seem to look as if this law cost firm and blackhorse knew that there was things wrong with the ppi and the credit agreement,also we realised today that we recieved the SAR end of oct 2010 and then in November they don`t show up in court and there is paperwork in the SAR to show they knew about the November court date/time ,don`t reply to the court in January and totally ignore the two letters we have sent them this year, makes you wonder why they are now hiding now we have the SAR.
  17. I think we are going to take a trip to the CAB ,we went to a solictor last year about the unsigned agreement and all he was interested in was explaining about what a repo was, cost us nearly 1000 pound money which we never had as we are both disabled and unable to work and that has put us off solictors. omg yes there has been loads of returned dd,late payment charges ect added to the account ..couldd you let me know what steps i need to take to get that happening ,as Blackhorse have completey ignored are last 2 letters to them this year, well completey ignoring us FULL STOP. Yes we beleive that they are worried about something as well as we don`t understand why they never turned up to last court date or replied and defended there case to the judge. blackhorse did`nt sign the agreement like you say untill 2-3 years after the loan was started as i metioned the friday before the court case ,but they put the day we were in the local office,but in the court hearing the head of the local office who said she took us for the loan on the day (who we had not met before) said she did`nt know whos signature it was as they were not signed in front of the customer or in the local office anymore ,but sent to their edinburgh ,but again we found out in the court hearing that the paper work was not sent from the local office until 10pm that night so it could not have been signed on that day. The fos even said they knew it was not signed on that day but could not tell when it had been signed
  18. Ok so its safer not to go down the court road so to speak and because Blackhorse have not come back to us leave it. You mention about charges can we claim for them still ,not sure. It just make me mad that Blackhorse will still get all monies back as this loan is secured on the house and if we sell they get paid off either way and like i have read in "order for the contract to be legally binding,it must be signed by both parties" so it just seems to be they can get away with anything
  19. so your saying just to leave it as it is ? so not to keep writing to them or take them back to court ,they know there is a unsigned agreement. what do you think would happen if we did take them back to court would you think we would have a chance of having the debt wiped out and getting any money we have paid back ect
  20. I asked hubby and he said 2007-2008 was the last time payment was made. I am not at home till later today so will double check paper work ,but hubby is pretty good on remembering roughtly so yea about 2007-begining 2008
  21. I don`t why the last post repeated 6 times. Also just to confirm CitzenB everything you metion in your last post was correct
  22. We lost the PPI case as we had signed a demands and needs form at the time of taking the newest loan ,but if i remember correctly (will need to pull out paper work) they had hubby and mine ages around the wrong way. Yes your correct in respect to the enforceabilty of the loan in that Blackhorse have failed twice to appear in court and now the case has been struck out. Yes we want to know where we stand in regard to Blackhorse coming back at a later date for monies. We are not making any payments and have`nt since some time i beleive in 2005 or 2006 (will need to check with hubby and also check paperwork) ]
  23. We lost the PPI case as we had signed a demands and needs form at the time of taking the newest loan ,but if i remember correctly (will need to pull out paper work) they had hubby and mine ages around the wrong way. Yes your correct in respect to the enforceabilty of the loan in that Blackhorse have failed twice to appear in court and now the case has been struck out. Yes we want to know where we stand in regard to Blackhorse coming back at a later date for monies. We are not making any payments and have`nt since some time in 2007 or 2008 (will need to check with hubby and also check paperwork)
  24. In order for a contract to be legally binding, it must be signed by both you and the creditor. In this case it is`nt
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