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jhall52

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About jhall52

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  1. I should add, the CCA request was sent to Cabot Financial and Halifax on 23rd December 2014. I suspect they will claim the requests were "lost during the Christmas post".
  2. Needless to say, I will not be providing anything with my signature on. I know, as do they, they haven't got the documents. They are after my signature to forge them. Happened a while back, as I posted on here. I forged Adolf Hitler's signature onto a letter - I then received a copy of a credit card application form (with the terms and conditions on the back dated 2 years after I took out the card) and was told by the bank "that's the CCA". It had Hitler's signature on it... Anyway, I went to the MoJ website and viewed the Civil Rules and Practice Directions, Part 31: nothing at all about needing a signature, and besides a signature made, which is not witnessed, is not proof of identity, and is meaningless in this case. I have until this Friday to submit my defence. Anyway, haven't heard a peep regarding the CCA request. The first sent off years ago was returned along with the postal order, with an admission they had no signed CCA. This one appears to simply be ignored. At any rate, according to the information they put in the claim, it was over six years with no movement.
  3. Update: Received a letter from the solicitor representing Cabot today (14/01/2015), dated 5th January 2015, envelope stamped 6th January by the Post Office/Royal Mail. Somehow it only arrived this morning. This is in reply to my CPR31.14 request letter of 19th December 2014. Dear sir, Cabot Financial (UK) Limited v. Mr Joel Hall Please find enclosed a draft letter which purports to come from you but which is unsigned. You will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response. Yours faithfully, Mr S Bray, Litigation Executive pp Resonts Solicitors Limitied Sneaky attempt to obtain my signature? After all, they shouldn't have anything to compare it to. At any rate, they have not asked for an extension within 14 days of my request and offered a new date for which to fulfil my request. Opinions?
  4. With any luck then, my CPR31.14 request should result in them dropping the claim (although I doubt it).
  5. Yes I've only have two addresses ever and both are showing (I only spent 11 months at the other address, never informed any banks of this or signed to the electoral register there), as well as my fiancee on my account as a linked person. Halifax is linked to my file it says, and my bank (Lloyds) made two checks on me this year which are showing. There are no records of any loans, credit cards, or anything else, and my "score" is 4/5.
  6. OK, I got a Noddle report and... it shows I have nothing! No credit cards, loans, etc, and only my bank has made a search on me. Surely this cannot be correct?
  7. Thanks. I already made a CCA request a few years ago, they claimed to not have one and returned my request and the postal order for the fee.
  8. OK, I have acknowledged receipt of the claim forms and sent a request for the documents to the solicitor named on the claim. What should I do next?
  9. Well, I now know it's not to use Equifax. My request didn't go through, but they have stil charged me, now want me to jump through hoops to get a £2 refund (I now have only 67p left in my account!)
  10. Name of the Claimant: Cabot Financial (UK) Limited Date of issue: 17th December 2014 Time to acknowledge: 5th January 2015 Time to defend: 19th January 2014 What is the claim for?: The Claimant claims payment of the overdue balance due from the Defendant(s)under a contract between the Defendant(s) and Halifax dated on or about Dec 05 2005 and assigned to the Claimant on Nov 28 2008 in the sum of 2226 PARTICULARS DATE: 28/11/2014 ITEM: Default Balance VALUE 2226 Post Refrl Cr: NIL TOTAL: 2226 What is the value of the claim? TOTAL AMOUNT: 2411 Is the claim for a current or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? Before. 5th December 2005 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. The debt purchaser, Cabot Ltd. Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I was only aware after receiving demands from Cabot Ltd. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No, not for any years. Why did you cease payments? I lost employment through ill-health, could not afford them, Halifax refused to stop charges and interest, and payment insurance refused my claim. What was the date of your last payment? Sometime in 2007. Was there a dispute with the original creditor that remains unresolved? Yes, regarding the total amount owed, which I had never borrowed. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, via telephone, which was declined. However I refused to discuss my personal income/outgoings, and only offered what I could afford at the time. re the CCA: I have done so, Halifax informed me it did not have a signed CCA, and returned my request and fee.
  11. Hey sorry for the delay. My former username was joelhall I believe, but it was some time ago, and I forgot my log in details. The offer I made was to Halifax bank, around 2006/2007. Right, so regarding the link, what specifically do I do with it?
  12. I am currently in the middle of replying online (they have tried various tricks in the past to get my signature, so I shall not be replying in writing nor sending anything to their solicitors but using money claim online), explaining my intention to defend under the Limitations Act and due to the lack of a CCA, as well as not acknowledging the debt or making any form of payment on it.
  13. Thanks for the reply. Does the fact they have admitted they do not have a copy of any contract with me (Halifax, as well as Cabot) mean they will be unable to push this matter? I made an offer to Halifax around 8 years ago (originally the claim is set 9 years ago according to the letter) and have never acknowledged debt to Cabot, Halifax or made any sort of payment towards it.
  14. I was a member of this forum several years ago, and have rejoined with a query relating to the same debt. I took out a credit card with Halifax... around 9/10 years ago. and haven't used it or made payments since I lost my job around 8 years ago due to ill health. Needless to say my insurance didn't want to know, and I am now lumbered with a debt I've made no movement on at all for around 8 years. This debt is now substantially more than it was. I have of course been threatened and harassed by Cabot over the years, and frankly my health couldn't stand it, so I ignored them. I made an application for a CCA to Halifax around... may have been 3, possibly as many as 5 years ago. They returned my request saying they didn't have one! I have just received a claim form from Northampton County Court, for the debt (plus court fees and solicitor's fees) which I am in no position to pay, and shall be defending completely. Needless to say, I have little intention of even paying the debt as: 1. I do not acknowledge the debt to Cabot. 2. I do not acknowledge the amount. 3. An payment plan offer I made years ago of £10 per month was rejected. 4. There is no CCA. 5. Harassment over the years has had a detrimental affect on my health. What are my options here?
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