Sorry just back from holiday. I did do it and on coming back I have letter from sheriff court Clark saying I filled it in wrong and the steps I need to do for it to be correct Doing that tonight after work. But to date they have still not sent out the credit agreement or anything else so judge will throw it out.

I will remember that if I don’t hear anything back. I have set a reminder for the 4 weeks and will just do that

No he just put the case on pause to give shoosmiths time to proceed or abandon the case

Sorry was at court on Thursday, was marked as a time to pay hearing but I had objected to it. They failed to send out the CCA, and documents so judge has put the case on pause while they decide if they want to continue the case or drop it. The judge gave stern words to the lawyer who knew nothing about the CCA act. He told them to get a copy of my CCA out to me, at I right in saying again this has to be within 12+2 days?

Ah sorry. Lesson learned. Will get it sent off tomorrow

I have sent it by email. Should I send also by post as said about ? I just thought with email it is all good for paperwork? Sorry forgot to say I sent it too shoos and not Cabot. Is that correct?

Many thanks. Will look at the link and see and get back to you

I have never got one and I have never had to sign for a recorded delivery envelope or anything

No, I have stayed at the same home. I have another card with Newday and I am paying that one ok. I get my statements for that card but have had nothing regarding the one in debt.

i have had no contact fron newday. only when i got letters from cabot did i realise they had taken it further

Last Date Of Service:- 19/3/18 Last Date For Response:- 4/4/18 the claimants are a finance company that inter alia operates the business of debt purchasing. by virtue of the debt purchase agreement between the claimant and new day dated 21/08/17, the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the respondent to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. the said assignation was intimated to the respondent by way of written notice on or around 21/8/17. the agreement between the respondent and the original owner upon which this action is based was regulated under the consumer credit act 1974. What Documents are listed in Box E2:[or in your form requesting the same?] A COPY OF THE CREDIT AGREEMENT, STATEMENTS OF ACCOUNT AND NOTICE OF ASSIGNATION WILL BE PRODUCED IN ANY DEFENDED PROCESS TO FOLLOW HEREIN Is the claim for a Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt: CREDIT CARD BOX D5 what has the claimant stated: I WANT THE COURT TO ORDER THE RESPONDANT TO PAY ME THE SUM OF £4843.60 from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? 2016 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. PASSED TO CABOT FINANCIAL Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? When was you last payment:- 01/17 Why did you cease payments:- STOPPED WORK BECAUSE OF NO VEHICLE(TAXI DRIVER) WAS STOLEN BY GARAGE WHO SHOULD HAVE FIXED THE CAR Was there a dispute with the original creditor that remains unresolved? NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? NO

Hey. just received the court documents that shoosmiths are taking me to court for non payment on a 4k credit card debt. i know i owe this but just asking if there is anything i can do to try and stop the court action or even better get the action stopped. i was following a post about asking them for all different documents but the post has been deleted. any help would be great many thanks

Many thanks for this information. I shall make an official complaint to them I believe they will make their excuses I shall then take it to the financial ombudsman who should in theory find it my way and order them to correct their failings.

What does that mean? They have done it wrong and I have a claim? Or I am stuffed and liable for the payments ?

Short of halfway on term and short on halfway on payments. The police wanted them to make a complaint of fraud but they have refused to make the complaint. I just didn’t get the termination letter and have been in contact with them since April and have never mentioned it to me. they still want me to make monthly Payments as if the HP agreement still stood and getting the letters of sums of arrears and asking me to pay but there has been nothing of any debt recovery or that.

It went into a garage for repairs which the garage previously messed up. I went on holiday and he sent a false invoice to them and they cleared the HPI and allowed him to sell it.

Hi everyone. just a quick question. i defaulted payments in march this year. They claimed to me that they Terminated the Hire Purchase agreement in May 17. since then i have had calls and emails to contact them regarding payment. This morning a letter arrived of NOTICE OF SUMS OF ARREARS. from what i can gather from google this is sent out because the hire purchase agreement is still active. They have not sent any debt recovery letters but just always send letters under the HP agreement. Is it right they are still sending letters out when the HP agreement is terminated?? Many Thanks

brilliant, many thanks indeed. i will also do the sar to halifax.

The earliest is from 1st showing on the feb. I will contact Halifax and see what they have to say about it

sorry again. noodle stated default in may but it does not show the halifax account on it Alan

sorry. hope this one is better.

its not showing up as a default or settled, just the usual box's with 3 payments late up until april then it shows the not updated U in the boxes, then it has the amount in the default/ delinquent box. but then as i said the next entry down is from first credit with just the red D showing in Feb and a default

Many thanks for the reply. Yes the owner is halifax and on my credit file it is marked down as 3 late payments every month untill April 2010 then the next entryon my credit file is from 1st credit for the same debt but they have placed a default on the February 2010.

hi there. i am writing to ask if anyone can help with this question. my old bank (halifax) are showing 3 payments late untill April 2010 but underneath 1st credit ltd have defaulted the account in the feb 2010. Is this possible or should i be chasing this up as it should not be put on my credit file. Many thanks for any help