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About AvengingAngel

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  1. 'you are the only one getting confused' - yes, I know, but that comment comes across quite harsh. The problem I have is that in the last year I had an accident and became disabled with a spinal injury, on lots of pain meds, so my brain can be quite foggy sometimes. I think I need an accountant to do the calculation working from the FOS Decision. I just did it using CISheet 101 which is compound interest, only to look at the Decision and it says 8% simple. Ah, but the 'alleged' debt is all PPI, and the reconstitution is far in excess of it.
  2. The claimant on the court form is Cabot Financial (UK). It's very confusing. Either they purchased the debt or they didn't. AA xx Redoing my calculations on up to date PPI calculator.
  3. Hi, I have been reading the Act on OPSI. ‘The Limitation Act 1980 (Extract) c. 58 Part 1: Time limit for actions for sums recoverable by statute. (1) An action to recover any sum recoverable by virtue of any enactment shall not be brought after the expiration of six years from the date on which the cause of action accrued (ie, the last payment into the account). (2) Subsection (1) above shall not affect any action to which section 10 of this Act applies. 5. Time limit for actions founded on simple contract. An action founded on simple contract shall
  4. Yes thank you. My partner has done the AOS for 33 days. I will do the CCA and CPR tomorrow. At least it's statute barred. AAxx
  5. Name of the Claimant: Cabot Financial (UK) Date of issue: 15.09.2017 Date to submit Defence = 17.10.2017 Particulars of Claim 1.The Claimant’s claim is for the sum of £495.00 under an agreement regulated by the Consumer Credit Act 1974, between the Defendant and Capital One Account Number XXXXXXXX and assigned to the Claimant on (date given), notice of which has been provided to the Defendant. 2. The Defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. 3. And the Claimant cl
  6. Hello Everybody, This debt to Cap One became statute barred in August 2016. The Ombudsman's Decision was in my partner's favour and Cap One did not comply with it. The account was still in dispute while Cap One sold it to Cabot. My partner has now received an N1 claim form from Claimant Cabot, address for documents Drydens, claiming, 'a sum of money under an agreement between my partner and Cap One. Defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. And the Claimant claims the sums of
  7. It read, Dear Sir Our Client: then my partner's name (so they got that wrong) Account no: Outstanding amount: Original Creditor: Cap One. There was no title, ah, yes, it did not say LBA.
  8. Hi, Drydens sent a letter, attached as a PDF, with bits cut out. It arrived today. Thanks x Ltr 21.06.17 AA DF.pdf
  9. Hi, Letter states, 'our instructions are to continue with collections activity in this case. Then says to contact their office by 19 June with income and expenditure information to discuss a repayment arrangement. Then states, 'If we do not hear from you we will issue a letter before action prior to the issue of a County Court Claim against you.' I know the debt was sold on and this is not Cap One. It is Cabot. But would that template letter I sent you deal with this? I thought it came from your site. If not, how do I knock this on the head please? AA
  10. Hi there, You've got a good memory. Yes, it is. I found that template letter somewhere and I was going to send it to DDFF. The Ombudsman ordered that the PPI be refunded and that Cap One should reconstitute the account and send us a copy. While the debt was in dispute and under the Ombudsman for investigation, Cap One sold the debt to Cabot Financial (UK) Ltd. The reconstitution they did was inaccurate and they refused to amend it. I contacted the Ombudsman who was no help. Meanwhile the debt passed into 'statute barred'. So really, I would
  11. Hello Everybody, I trust you are all well. Here's a little ditty, Cap One's Ddff have written, chasing for a debt against someone I know (not me). The last payment was well over six years ago and is statute barred. Below is a template letter. Is this one of yours? [ template removed - dx]
  12. Woohoo! I sent your letter to O2 at Northampton. They told me that they had forwarded it to their Credit File Referrals Team, Credit File Referrals, Telefonica UK ltd, Arlington Business Centre, Millshaw Park Lane, Leeds, West Yorkshire, LS11 0NE. Within one week, without any communication from Arlington BC, the entry was deleted from my credit record which has gone up to 8 points off the top score. Another success for your team. Thank you, thank you, thank you. Mwah xxxxx
  13. Hello again fkofilee, dx100uk and Martin2006, Thank you all for replying so quickly. Yes, the O2 amount was included in the BR. Sensible advice, fkofilee, but I want to get my credit score right back up and just this one account is stopping me. I may be applying for a new mortgage early next year and I don't want to leave anything to chance, so thank you, dx100uk - one letter winging its way to O2 in the post. I'll let you know the outcome. Thanks All, AvengingAngel
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