Sorry for the delay. Happy New Year to one and all. Have just returned the Allocation Questinaire and the Fee. The total without court costs but with interest is £3800. No respone from Abbey yet except the usual crap that they intend to defend.

This matter has now (with my permission) been transferred to Kent Trading standards. Apparently there has been a few complaints about Cabot/kingshill or whatever they call themselves today, so the more the merrier. I have also threatened Cabot with court action with the intention of claiming from them all the excess interest that I have paid over the last few years due to their default registrations. This seem to have stopped any harrassment about giving them some money. I will have to wait however, until trading standards get back to me withe a definitive answer. However it is Great to have these LOW-LIFE morons (and that is being unfair to morons) off my back for the next few weeks. Happy Christmas everyone:D

Hey Brecken well done. Cannot belive that they tried the same sort of Crap with you as well. I have since filed in court against the Abbey and am hoping for a similar result, but for a lot more dosh. I still cannot beleive that all these "reputable" companies are still refusing to admit that they are wrong and just pay up when one of their customers complains. My only complaint with Forthright is that it did not end up in court. Am now considering trying the really hard line with the Abbey and see were it gets every one. Any way, ENJOY your money, remember that you have already paid it out so in effect it is FREE so have a LOVELY CHRISTMAS and a very Happy NEW Year.

If she has recieved your cheque then authorisation has been given to pay you, one way or the other. I would suggest that the next phone call should be advise them that the bailliffs are now being contacted as they are UNABLE to pay the LAWFUL debt that they owe to you and you feel that they are no longer financially sound. Keep us posted.

I would suggest that if your money has not arrived be very forceful and suggest a money transfer direct to your bank account. At the same time tell them that You have got THE JUDGEMENT against them, you are not the first and will not be the last so failure to pay NOW will result in the bailliffs being sent and the loss of yet another days earnings as time is needed off to attend to things. This attitude did work for me and I received the Cheque within a couple of days. Luck every body

Have recieved my Cheque on 10th November. Thanks for all your support and I will be contributing MONEY to this brilliant site when the cheque clears next week. Thanks now for the Abbey.

My 1st letter went out on 8th July, Cheque arrived on 10th November. I presume that you can enter Judgement but I went direct to the court and not through Money claim so I am not really sure.

Good NEWS. Recieved My cheque today for the full amount. Much as it would be nice to meet, hopefully under different circumstances. Check with the court though and see if any defence has been filed. If none has then you just have to wait for the court to pull their fingers out. Anyway, Luck to all. XX

Hi Brecken, They have 14 days to enter their defence from that Date. Crusty does seem to be right though. they do appear to play dumb untill somebody harrasses them. I had to nudge them and they said trhat they had never recieved anything. Even today I am getting BS from them that the cheque has been posted. Unfortunately I cannot afford the bailiff fee untill the end of the month so am still trying the threatening game. Personally though you should hope that they do file a defence as I think that they will have no legs left to stand on if it ever went to court. Just to reassure you though, If it did go to court I would come up to you and support you, I am only in Cheshire.. Anyway forget it now for the next week, then ring the court to see if they have filed. Bet you they dont. Anyway, Luck to all.

Have recieved the following letter fron Cheshire Trading Standards office. What do I need to do now? Date 31 October 2006 Your Ref: Re Cabot Financial / Consumer Credit Act 1974 I refer to your letter of 13 October. Only the creditor can commit the offences to which you refer. I would like some moreinformation before proceeding further, such as copies of all of the documents you havereceived from Cabot, and brief details of any other communication you have had withthem. The action this Service would take depends very much upon the circumstances. Once we have all the information, we will contact the Trading Standards Service (the ‘Home Authority’) in whose area the trader is based in order to find out the history of the company. For instance, whether they have been previously advised, warned, cautionedor prosecuted for offences of this type. If there have been no previous problems it is likely that the matter will be referred to the Home Authority so that the company can be advised. The Home Authority Principle (HAP) aims to provide consistent and coordinatedtrading standards enforcement services across the UK. The idea is that problems can be dealt with at source by advice and consultation, and businesses receive advice andinformation from one particular local authority. However, the Home Authority Principle does not remove the primary responsibility for enforcement from the local authority inwhose area an incident takes place, nor does it remove the onus on businesses for ensuring compliance with relevant legislation. I enclose a FREEPOST envelope for you to use. If you have any queries please contact me. Yours sincerely, I) 9? Paul Barrow Team Manager Regulatory Services (East) For County Manager, Safer & Stronger Communities Phone: 01260 285488 Email: paul.barrow~cheshire.govwk Fax: 01260 285494 If you have difficulty making contact ~%~1 of~ please phone 01244 602424 4~1 %~ ) Website: http://www.cheshireqov. uk ES 28435

No further response what so ever. They have not even paid the gesture of good will into my account. Am now going through the process of filling out and printing the court forms, hopefully get it filed by the end of the week.

No need to send the Bailiffs in YET. Gave them a friendly reminder that the clock was ticking and I wanted a reply by the end of today. Again was given the sob story that they had recieved no paper work:confused: and the 1st that they knew about it was me ringing on Friday. Reminded her that I had the Judgement and I expected a reply Today or I would be taking further action which would result in Bailiff costs and a days earnings that I would have lost by taking a day off to arrange it. Less than an hour later I recieved a phone call from them stating that the Cheque would be raised today and that I should recieve it by the end of the week.:grin: I said thankyou but non-receipt by Friday would see further action being instigated first thing Monday morning.

What a SURPRISE.:o Forthright have not recieved any papers from the court relating to my claim. The nice lady became very abrupt when I said that I had obtained Judgement and wanted my money. She gave me a number to ring at the legal liason dept and promptly hung up before I could confirm the number. Thankfully I had got it right and another nice lady seemed very Surprised that I had already got a Judgement against them as there was no record of it. She did ask nicely if I could Fax the judgement over to them and she would get back to me by Monday. I agreed on the principle that I would not be waiting any longer than Monday before getting the Bailiffs involved. Must say however, that it was very enjoyable upsetting the 1st Very nice lady as it was her kind that use to threaten me when a payment was late. They say that revenge is sweet. There will be more on Monday

Have some BAD news. Even though I have won the District Judge that has reviewed my application he has ruled that I need to make an, "Application on notice" for the following two points to be considered at a further £65 One was about the agrrement being unlawful the other was about getting Forthright to remove the default trhat they have registered against me. Will have a serious think and read some more before making the decision. Will contact Forthright tomorrow about my money.

Day 14 after asking for £2800 in charges to be refunded. Recieved a letter offering me £413???? as a gesture of goodwill. I will of course accept this kind offer but will be continuing to claim the full amount back. Today the LBA will be sent.

Hi all Read my thread. I WON

I Have WON:D :grin: Recieved judgement today dated 2/10 for tne full amount. Will be contacting Forthright in due course about their MISSING payment, that will be fun!!!.:grin: :grin: I will be donating 5% to this fantastic site. Without it I would not now be celebrating winning a case in the County Court about money. It is really nice to be the aggressor in court and not the worried hard working person that gets penalised when payments are late or missing. Thanks to every body that helps to run and keep this site running. I Will update this thread when I start to Harrass them (Next week I think) and when full and final payment is made.

Thanks for that. Will fire a letter off tommorrow. What if anything should I do about the **** of the earth?

I have recently contacted these Maggots about alleged debts that they have purchased from over 4 years ago. I requested the original signed documents on 5th August. I received no response within 30 days. I then demanded that they remove the defaults that they have registered on my account as they have broken the law. This is what they have replied with. Dear Flinty_1 Please confirm why you feel that Cabot Financial have broken the law. As we are not the originators of these accounts, the 30-day legal limit does not apply to us. The information may have been archived, therefore it could take some time to retrieve. BLAH BLAH BLAH. This letter is dated 30th September which is a long time after the 30 day limit. I am wondering if it is now worth taking this company to court as they are delibererately breaking the law and misleading people. Like most other people I did offer reasonable repayment terms to the companies involved and naturally they refused. They all relate to one missed payment that then escalated into HORRENDOUS charges levied that I could not pay at the time. The net result is now an uncredit worthy person who cannot now get a Mortgage.

Unfortunately received the paper work back today, I FORGOT TO TICK ONE BOX. When I wanted paying. I have rang the court and was told that Judgement will be made upon receipt of the correctly marked paper work. Will then start Demanding immediate payment from them just as they did with me when I WAS STRUGGLING TO MAKE PAYMENTS. One last point, trhe original payment that I wanted them to refund was Roughly £500. This has risen to £740 with costs and interest and my time. They should have paid earlier and been a lot politer on the phone. Luck every body.

Have finally pulled my finger out and calculated the amount that they owe me. £2800 estimated over the last 6 years. Have sent the letter asking for it back and will now wait and see. My apologies for the delay but have been obtaining Judgement:lol: against Forthright Finance, just waiting now for the paper work.:grin:

I filed incuding the 8% interest and there does not seem to be a problem, including 14p a day from the day I filed with the court. The court will guide you but please read the Particulars of claim on this site. There is a part that MUST be included in the wording in this section. I would also adviese you to record if Poss there phone calls. If you can they generally hang themselves there and then.

DO NOT SEND THE ORIGINAL!!!!!!!!!!!!!!!!!!!!!!! At best offer to take the original into a local office for verification but do not allow it out of your sight. Take photo copies with you but do not allow them to lose it. Just think about the Cabot situation. They are basically powerless without the original signed agreements. Just remember the original is the only proof that the courts recognise, anybody nowadays can forge a copy.

Sorry Yes there is news. As expected they have failed to file a defence. This is a shame as I really wanted them in court. However, the good news is hopefully the judge will just agree and the part about the agreement being unlawful as regards the charges might allow me to attempt to claim the whole amount paid to them over the term of the agreement but that will be another fight.

No thats the same address that I sent my letter to and received the usual 8 weeks bullsh*t letter eventually on day 28 of the 30 days. However, they still have not proved that this debt is mine and will be pursuing them to remove their ILLEGAL DEFAULTS in due course. If they refuse to sign for your letter then it is TOUGH SH*T on them. The courts deem that a letter/summons is served within (generally) 2 days of sending. Providing you can prove that the address you sent your letter to is correct then start counting after 2 days of posting.