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pmhcfc

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pmhcfc last won the day on June 12 2009

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  1. their WS my WS+ exhibits They also have the NOA and Default notice . I spoke about the NOA in my WS and the default notice looks ok Here's the rest CAGfile.pdf cag4.pdf cag3.pdf cag2.pdf
  2. Had a very understanding judge today. He has given me a week to get a proper (and correct) WS in to the court and the other party. I am way too tired to get this done tonight but I'll be back on over the next couple of days to work on it, post it here and see what you think. Their WS, I notice, contains some untruths and even spelling errors...Think I can tear it apart, if just a little bit Thanks again
  3. Thanks so much for your time- I wont waste any more of it.....Cant do these PDFs and I'm not sure of my WS...so looks like a win for them.....thanks again
  4. Yeah, I'm sorry about all this- so disorganised it must wind you up something chronic... I will try and sort these PDFs, if I cant do it in the next 15 mins then I'll just have to call it quits and go to court with what I can... Just one thing I notice as I try to do this.. .On their court documents they say this: On and with effect from 21 June 2016 the assignor assigned to Asset Collections & Investigations (Assignee) all its rights, title, interest and benefits in and to the Assigned Documents and the Debt. yet on the original Emails , it says this.... On and with effect from 23rd August 2016 the Lending Stream LLC assigned to Asset Collection & investigation limited all its rights, title, interest and benefits in and to the Assigned Documents and the Debt. confused....
  5. I'll see if I can do just that but I can't seem to find my WS ? Very confused...I think I've gone about this in a rather naive way and I fear for myself... I'll see if I can upload now Regards
  6. I'm afraid I have got my dates mixed up. For some reason in my mind I was going to court 16/11/17.. .I got the month wrong and it's actually tomorrow...Jesus H.... I've been going through all the old stuff I have and it's interesting that on the 2nd April 2013 they send me an email saying they happy to waive interest etc and would accept £10 per month til it's paid (they'd reduced it to less than £200 - original amount borrowed was £110), I agreed on the basis that they answer my complaint re irresponsible lending yet 6 days later they sent me another Email saying they couldn't collect the [original] amount due so they had no choice but to give the debt to Muck Hall... .I wrote to them again about this, they ignored and after telling Muck Hall til I was blue in face about it, next thing I know it's with Asset and it's going to court for an amount of nearly £350.
  7. Sorry Have not been able to get back here until now. Yes,I did enter a defence. I have said all along to them that there was a complaint in against the original lenders re irresponsible lending. That got ignored and with this lot I've told them the same and also asked them several times to produce the proof that the correct credit checks were carried out....nada I will tell and show all the above to the judge and make a point that I've bothered to turn up, unlike them.... Unless there's something more I can go with?
  8. Hi Been a while since I posted after being very active here once upon a time.. .about 6 years ago I got a few pay day loans (marriage split at the time, living away) At the time none of these places were doing the correct checks to see if you could afford the repayments. Wonga have previously written off £900 with me for the same reason... One or two others haven't bothered. Lending Stream sold this particular one to Asset and they've been chasing ever for a while... They have now taken me to court, despite my repeated requests for proof that the correct credit checks were carried out (I couldn't afford to repay the debts at the time as had too many going on) P , they simple ignored all my requests and I now have court date. As you can see from below,p they aren't bothering to send anyone as the debt is such a small amount (as they say). My argument here is still that they haven't proved the correct checks were carried out.. .Is this going to be ok to go to the judge with? Also going to say that loan might be small in their eyes but it isn't in mine and I have taken a day off work to attend... This is their letter to the judge ... They have (what they say) is the original agreement - was online so not sure how I can prove otherwise. I write in regard to above case and the hearing that has been listed for the ****** The Claimant respectfully begs your Honour to excuse the Claimant’s non-attendance in person and kindly ask your Honour to accept this letter as written notice of non-attendance in accordance with CPR Rule 27.9 1(a). We hasten to add that no disrespvectfulness is intended by our non-attendance, but we wish to save costs having particular regard to the fact that the claim is small. We ask the court in accordance with CPR 27.9 (1) © to deal with this application in our absence. We wish to ask your Honour to consider the reasons set out within our Witness Statement attached as to why the Claimant does not agree with the Defendants defence. In light of this the Claimant humbly asks your Honour to dismiss the Defendants defence and enter Judgment for full balance immediately. We also add that we have not received any documentation from the Defendant in support of his defence for the hearing. Please also be advised that a copy if this Witness Statement and Evidence has been sent to the Defendant via email. We thank you for your time in this matter and look forward to hearing from you in due course. With regards,
  9. Thanks Stig and I will do all that but I did escalate the complaint re irresponsible lending, it was Nat West who stopped communicating about it. Cabot can 'do one' as far as I am concerned. Like you said, there's a CCA request, a SAR request and all manner of other issues to go through before anything else happens. Wonder what's happened to old Ken Maynard these days.
  10. Well, it's been a while when I was very heavily involved on this site for a number of years and especially with Cabot - not sure how many people remember the CFC (Cabot Fan Club)....anyway, I digress Some five years ago I got into some bother with Nat West (Credit Card) as they just kept upping my credit limit without agreeing amount first, doing any checking if I could afford it or anything like that. I had a complaint running with them re irresponsible lending.. They promised to look into it, to sort it and to resolve my complaint ...they never did so I have just left it - cue Cabot and their first letter a couple of months ago. I find it hard to believe that this pile of dung still operate in the same unlawful / illegal way they did ten years ago. From sending me a Nat West letter in the same envelope as their own letter, to ringing me at home (even though they were 'banned' from doing so).. .oh + a load of other nonsense that I won't go into - suffice to say they still spout as much now as they always did. That said- I just need to reconnect re where I stand with this. It's five years since I made any sort of payment. I'm still to request signed copy of agreements and all that other stuff I may have to do but, shall I just simply tell Cabot that, as far as I'm concerned, the matter is still with Nat West as they have failed to resolve my initial complaint and that the alleged debt is subject to iressposible lending? In the meantime, I shall go and read some other posts re Cabot and see what they are up to after all this time... Thanks for any help
  11. I was dumb enough to join madbid a couple of years ago and even dumber to deposit £10...(Money that they will not refund even if you don't spend it in bids) The same night I left many a message on social media warning people what a con it all is - I can't see them staying in business too long, once people finally realise what a dodgy ruse it all is.
  12. But then again, if these customers had been honest with the insurance company in the first place (ie tell them about penaly points or a previous claim etc ) or they bother to actually send in their Proof of No Claims bonus then the insurance company/ies would not cancel their insurance policy. It is not done without warning either.
  13. It doesn't have to be two years necessarily to claim for unfair dismissal tough does it, I've been on the ACAS web site.
  14. It is less than two years, yes and I am not a member of the union. There are no notes from any meeting, there are no witness statememnts, there are no warnings (prior to this) that this action would come about. All I have is a letter stating to Attend a Disciplinary Hearing where my employment is at risk. They say they haven't made their minds up yet (well my manager who is also chairing the disciplinary said that) but I was chatting to a different manager just before I left work on Friday and he casually said "Oh I hear there's a parting of the waves with you and us" ... hmmm
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