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jonlawton

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About jonlawton

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  1. Hi all Thank you for responding. I will be able to find the last payment when I get home but it was definitely in the last 6 years, probably about 3 years ago. The original DCA was with Direct Legal and they have now passed on to Moorcroft or Moorhouse. I will get as much info together and re-post so thank you all so far for the advice. The letter they sent was actually quite polite considering so you are right I smell a rat with them being so nice! Thanks again J
  2. Hi, I am looking for some advice. I have a CCJ issued in 2008 for an old credit card for around £7000. I was paying £50 a month as that was agreed and what the judgement was issued for. After 3 years I suddenly started to have payments returned to my bank account from the DCA so I just stopped paying it. Last week they sent me a letter saying they want to work with me to pay the debt off and noted that there was still a CCJ to enforce if i didn't pay. They want me to fill in I & E forms but my question is can I just offer them the £50 again and refuse the I & E as
  3. Default Howard Cohen, Robinson Way and H2H AGAIN! Hi all I have been scanning this forum and see that plenty of people have had the standard pending legal action letter from HC. I have just received one chasing a Santander overdraft for £1700. Not paid anything since 2009 but defaulted in Jan 2010 so not sb yet. They are obviously chasing because they have less than 12 months before it is sb. I saw a really helpful post by another member on another forum which he had really good advice from the guys on there. I was just about to post the template on there to
  4. I'll check out the charges on the statements but I didn't have PPI taken out on it. Thanks Jon
  5. No I haven't got any of the original documents as it was nearly 7 years ago and I was terrible for keeping stuff like that. I have since learnt! Let's see what Cabot come up with if anything. Thanks for all your advice, much appreciated. If I hear anything in the meantime I will repost. J
  6. Sorry to keep reporting the same message. Not sure how I'm doing that. I think you are right, I may as well wait to see if Cabot come up with any documents. The last payment was made by the CCCA in August 2009 2 years after the default which I am gutted about or else it would have been stature barred. Not sure if Cabot would even have a record of the payment so that might be worth pursuing. Nonetheless if they do come up with arguable grounds then I will enter a negotiation with them for a payment plan. J
  7. It was taken out September 2005. It does not indicate my credit limit and says that will be determined but doesn't describe how. It appears to cover repayments, apr and actual interest and I have signed it. The only thing I think is dubious is the lack of credit limit but reading on the forums this appears to be acceptable under the CCA. Also the rest of the t & c's are not on the same document that I signed. You are right, as yet Cabot haven't come up with the copy yet but I am guessing if HBOS have readily got it for me it's only a matter of time before Cabot receive their copy f
  8. It was taken out September 2005. It does not indicate my credit limit and says that will be determined but doesn't describe how. It appears to cover repayments, apr and actual interest and I have signed it. The only thing I think is dubious is the lack of credit limit but reading on the forums this appears to be acceptable under the CCA. Also the rest of the t & c's are not on the same document that I signed. You are right, as yet Cabot haven't come up with the copy yet but I am guessing if HBOS have readily got it for me it's only a matter of time before Cabot receive their copy f
  9. The Halifax sent about a ream of paper most of it reconstituted statements. They did enclose a copy of the t & c's at the time the account was opened but this is nothing more than a printed copy and isn't photocopied like the CCA. The CCA has been reconstituted within the t & c document but does not contain any signatures. I could scan this in if it would help but it's quite a number if pages. The only signature is mine in the photocopied CCA. Thanks Jon
  10. The Halifax sent about a ream of paper most of it reconstituted statements. They did enclose a copy of the t & c's at the time the account was opened but this is nothing more than a printed copy and isn't photocopied like the CCA. The CCA has been reconstituted within the t & c document but does not contain any signatures. I could scan this in if it would help but it's quite a number if pages. The only signature is mine in the photocopied CCA. Thanks Jon
  11. Hi, This was a Halifax credit card started in September 2005 and defaulted in 2007. I received the usual debt collection letters and subsequently started a CCCA debt management plan which I only made 1 payment through them to all my creditors in 2008. I believe a nominal amount of about £11 would have gone to this account to whoever was the DCA at the time (Fire I think). Has various letters over the years but ignored them until a letter first from Marlin saying they were acting on behalf of Cabot, then after about a week a letter from Restons solicitors
  12. Hi Nearly 2 months ago, I had a letter from Restons threatening court action over a 6 year old debt. The reference has since been removed from my file but 5 years ago, I know the CCCA paid a small amount so I don't think I can get away with statute barred (even though I haven't yet challenged this). I asked Cabot for a copy of the CCA which they were unable to provide....yet! At the same time I sent a SAR to halifax and last week received a copy of the original CCA which I am not sure contains all the prescribed terms so wondered if someone could check it ou
  13. Hi all Well, I have just received this today from Cabot after asking for CCA I guess does this mean I sit and wait what they come up with? I have also SARd the info myself direct from Halifax so will be interesting if they come up with the same agreement. I am really hoping the agreement doesn't have the prescribed terms (credit card agreement taken out in 2004). What should I do if Reston's escalate or successfully get court order in the meantime? Do I challenge it? Thanks
  14. I have never made a payment to Cabot (when it was FIRE or at anytime) but that's what I am assuming the CCCS did on my behalf back in 2009 albeit for £13. Just posted SAR and CCA letters off recorded 1st class so we shall see. I will hit Restons with the SB letter tomorrow. J
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