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Cornucopia

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About Cornucopia

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. Hi Manc, has your account been passed to Cabot or have you never had a reply from the original creditor to your CCA request? I am curious now about the whole thing. As I said in my post earlier today, I have been thinking about my GF situation recently simply because I haven't heard anything in such a long time and I am half expecting something to pop up now. Like Duffers Mum, I hope I am not tempting fate! The whole thing is really really odd. I may be wrong, but I suspect that there is no, or very little, remaining paperwork as somebody has been a bit slap happy with the shredder. I guess best to just wait and see what happens. Regards, Corn:roll:
  7. Well that's good news Duffers Mum! It is not statute barred is it? I have been thinking about it a lot lately but haven't done anything about anything for so long for various reasons that I am completely out of the loop with what's going on these days! I think sometimes just watching and waiting is the best approach! Regards, Corn:-)
  8. Goodness me! Could you expand? Did they have an agreement to produce? I am curious because agreements seem to have disappeared for many since the BC takeover. I am pleased to hear that the case was dismissed. Regards, Corn
  9. Funny, I was just thinking about this the other day. I haven't heard anything since October 09 when I last posted on this subject. So nearly 2 years. I have no idea what is happening and have just let sleeping dogs lie. Would be interested to hear if anybody else has any news. Regards, Corn
  10. Well this is an interesting turn of events! Having received the same letter as a few of you stating that they were treating the balance as irrecoverable as they could not provide an agreement (that was in May 2008), this morning I have received a letter enclosing a year's worth of statements from 2006/2007 and stating that this was "sufficient" evidence that the account exists and could I ring them to tell them how I am going to pay them back! They are obviously working down a list as evidenced by the posts here! I cannot see how they can enforce this without a signed agreement. They admit they are "still waiting" for a copy of the agreement from Goldfish. I am not sure how to deal with this, I feel I ought to write to them but think it should be along the lines of "no agreement - go away". Any comments? Kind regards, Corn x:)
  11. Manc, you already have a letter from Cabot stating the debt was not recoverable, so why would they then think that providing statements was evidence enough? Er, I don't think so! I wonder if this will be a new tactic because they can't collect on any of the debts they bought in relation to Goldfish? Quite unbelievable. Regards, Corn x:)
  12. Reggie, do you want the name of my barrister? Please do feel free to contact me if you do. It cost us around £2K for his input but we were dealing with a £16K debt which has, because of his input, now gone. Rhia has the same barrister for her case. Obviously I realise that not everybody has the money to do this and actually under ordinary circumstances we wouldn't have done either, we just happened to be a bit flush at the time because my husband had a lucrative work contract. However, without the barrister's input, we would have hopelessly lost. So, you need to think about it. Also, site helper Car2403, I think you were a bit harsh, if I were a new poster, you would have frightened me off, never to have returned again! Let me know if I can be of further help Reggie. Regards, Corn x
  13. Pedross, apologies for not replying to your original post to me more quickly! It seems that others have posted since and have answered as I would have done! This is the problem isn't it? Most debtors wouldn't have a clue about the intricacies of a default notice or termination notice and would probably just accept the re-issue and not bring that particular point of law to the attention of the presiding Judge. When I attended Rhia's court case, it was shocking to hear the Judge basically say "well we can't have this, we'll be inundated"!!!! So, I do think they often rely on the debtors lack of knowledge to just dispose of a case as quickly as possible and make sure the creditor gets something by way of payment. Thanks to sites like this, the tide is turning. This is why it is SO important for Reggie to appeal because the defective default notice is a screw up by the claimant, they have been caught on the hop by the new regulations and the Judge really ought to know better. I will be very interested to see how this pans out. Good luck Reggie. Regards, Corn x:)
  14. Right, if the default notice is invalid, this should be a full defence on its' own and I am very surprised that your DJ thought this was irrelevant, because that is simply not the case under current laws. The creditor can repair the paperwork ie : terminate the current claim, issue a new default notice and termination notice and start a new claim but there are pitfalls in them doing so. This would usually be seen as a complete abuse of process as they should have got it right in the first place. I don't know what your current circumstances are but would certainly recommend you seek legal advice. I retained a Barrister on a public access basis and if it were not for him, I would be in a very different position now. I know you have had a shocking day, but you have three weeks now in which to lodge an appeal and I would certainly concentrate on the invalid default notice as this really is your trump card. I concentrated far too much on the S.78 argument which actually became insignificant after it was revealed that the default notice was invalid (something I actually didn't notice myself despite working on my case for two years!). I wish you luck and will watch the thread with interest. Regards, Corn x:)
  15. That'll be me! Right, I haven't got time to read the whole thread but I am interested in this issue with the invalid default notice as that is significant. Are we 100% sure the default notice is invalid? I will need to refer to my Barrister's notes on this matter as it has been a long time since my case concluded. It may help with your appeal, which you MUST do! I have a school function to attend shortly, but will come back with the necessary quotes later. Regards, Corn x:)
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