Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot/Morgan Solicitors-Court Action (ex Goldfish account)


barns66
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4060 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Satterthwaite

 

I read only the other day a thread where Cabot had produced a document which they claim is the Deed of Sale/Purchase, these documents arrive in their bundle and is 8 or 9 pages long But theres 8 and a half pages scrubbed out in black marker, Cabot claim this is case sensitive information and have a right to do this but in the case recently posted the DJ questioned this document and im pretty sure commented how that document proved no ownership. Mine contained my name and address and that they intended to purchase the debt nothing more.

 

Hadituptohere

 

Yes it should be noted that most deeds just state something like "all accounts held on data disk number 1" etc rather than list the full account/name details etc... they would need to produce the details from the disk#1 as well.

 

S.

Link to post
Share on other sites

  • Replies 631
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

very usefull :-) inclued that in your disclosure if you havent already

 

U can disclose further documents upon you discovering their relevance

 

Hadituptohere

 

Hi Hadituptohere,i have sent my disclosure documents to Morgons in April and to the court in my witness statement.

 

barns66

Link to post
Share on other sites

These companies always weave a tangled web... make sure your clear on your timelines and can produce the documents and add this to your bundle / witness statement in prep.

 

S.

 

Hi Shadow,thank you very much for your help.i sent my witness statement to court on time,i send disclosure documents to Morgans and court on time,i will put everything i have in my bundle that you suggested i should send to court for the judge to read before the trial.

 

 

barns66

Link to post
Share on other sites

Hi I had a reply from Morgans this morning in reply to my request for a copy of the actual agreement,asking them to confirm whether Goldfish or them selfs currently hold or ever held a properly excuted Consumer Cedit Agreement pertining to myself .If they did not have the documents they where obliged to tell me.

What received was a Supplementary Witness Statement from another Litigation Associate in the employ of Cabot,say in that

(1) I am a Litigation Associate in the employ of Cabot Financial (Europe) Limited ("Cabot Europe"). I have the conduct of this particular account on Cabot Europe's behalf and i am duly authorised by Cabot Finacial (UK) Limited ("Cabot UK")and Caabot Europe to make this Witness Statement on Cabot UK's behalf.The facts which i give in this Witness Statement are from my knowledge of the facts of the matter and from documentation obtained fromm the Assignors of the debt together with information obtained from records held by Cabot Europe relating to the collection procedures adopted in this particular case.

 

(2) This is the second witness statement made in this matter The first Witness statement ("the first statement") was made my **** **** and dated **April 2011 and is duly filed and served. Mr.**** is otherwise engaged in ****** County Court and is unable to attend and give eveidence at the hearing of this claim on ** July 2011.

 

(3 )I have personally investigated the matters raised in this claim having perused all documents produced and satisfied myself of their sources and considered the statements by and on behalf of both parties and confirm i am competent to make this statement.

 

(4) I fully adopt the statements of fact made in thre first statement the being from my knowledge of the matter and from documentation obtained from the Assignors of the debt together with information obtained from the records held by Cabot Europe relating to the collection procedures adopted in this case and i rely on thr said first statement.

 

I believe that the facts stated in this Supplementary Witness Statement are true andi am duly autorised to sign this Statement of Truth.

 

I take it they are going to still rely on the documents i.e application forms and the redacted deed of asssignment signed on the 30th November 2007 more that 4 months before the debt was supposed tio have been assigned to them.

 

barns66

Link to post
Share on other sites

What a waste of space that extra witness statement is... offers nothing new just that they back up the original witness statement, well hardly surprising there is it :)

 

so..yes.. they are relying on the info previously given you

 

S.

Link to post
Share on other sites

So in affect even in their witness statement they cannot confirm that they have a properly executed credit agreement, well there's a surprise.

G

 

Hi Gallhad,it looks very much like they can not confirm that they have a proper executed credit agreement.Thankyou very much for your input to this thread.

 

barns66

Link to post
Share on other sites

What a waste of space that extra witness statement is... offers nothing new just that they back up the original witness statement, well hardly surprising there is it :)

 

so..yes.. they are relying on the info previously given you

 

S.

 

Shadow,i agree that the extra witness statement is a waste of paper as you say it's not surprising that one is not going to back the other up.Thank you again Shadow for your interest in my thread.

 

barns66

Link to post
Share on other sites

Good Luck, with this Barns

 

Morgans/Cabot can be beaten

 

With you all the way, Recdently beaten them on 2 counts, will post up as soon as costs are finalised

 

VOLVO

Link to post
Share on other sites

Good Luck, with this Barns

 

Morgans/Cabot can be beaten

 

With you all the way, Recdently beaten them on 2 counts, will post up as soon as costs are finalised

 

VOLVO

 

Hi Volvo,thanks fpr your best wishs.Will be good reading when you can post how they where beaten.

 

barns66

Link to post
Share on other sites

They probably think if they write something down twice, click their heels together and turn around three times a credit agreement will appear!!

Good Luck

 

Hi cups,thanks for your best wishs.I think they do not read what they are asked for.I might sent them some more good reading material and see if they send me a third witness statement thats nothing to do with what i send them.

 

barn66

Link to post
Share on other sites

Barns,I have actually read all of this thread on and off over the last few months, to save me looking back have Cabot/Morgans produced a default notice? Is there a default by Goldfish on your credit file?Thanks

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

Link to post
Share on other sites

Barns,I have actually read all of this thread on and off over the last few months, to save me looking back have Cabot/Morgans produced a default notice? Is there a default by Goldfish on your credit file?Thanks

 

Hi Satterthwaite,Cabot have never sent me a default notice as they say that they are not required to,as they are only collecting the arrears and not terminating the agreement.I have SAR cd from Cabot that shows the default notice from Goldfish but i have never been sent a copy of that.I have my own default notice from Goldfish dated 2nd October 2007 giving me 28 days from the date of the letter to rectify the default,I have looked on my credit file and Cabot have a default on there dated 30th or 31st October 2007,i presume that Goldfish must have put it there as Cabot did not own the debt then.I hope that helps and thank you very much for your interest in my thread.

 

barns66

Link to post
Share on other sites

Hi Satterthwaite,Cabot have never sent me a default notice as they say that they are not required to,as they are only collecting the arrears and not terminating the agreement.I have SAR cd from Cabot that shows the default notice from Goldfish but i have never been sent a copy of that.I have my own default notice from Goldfish dated 2nd October 2007 giving me 28 days from the date of the letter to rectify the default,I have looked on my credit file and Cabot have a default on there dated 30th or 31st October 2007,i presume that Goldfish must have put it there as Cabot did not own the debt then.I hope that helps and thank you very much for your interest in my thread.

 

barns66

 

The reason I ask is i am in a similar situation with Cabot, if there is a default on your file does not that mean the agreement has been terminated?

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

Link to post
Share on other sites

Hi Sarrerthwaite,thank you for the info.regarding defaults.I hope you have more success with Cabot/Morgans with getting any documents or even sense out of them.I am sure the default notice i received from Goldfish in October 2007 was not in the correct format,this is an amended paticulars of claim,they tried last Augusrt and it was sent back to them for not having enough information in it,I found they do not complie to court dates,it took me from August 2007 to January to receive the new claim,it seems to me all they have done is change the account number on the claim,i still do not know if that was the account number when the account was opened.Good luck to you with Cabot/Morgans.

 

barns66

Edited by barns66
amending
Link to post
Share on other sites

I would love to know if there is a default on your file with Cabots name on it how they can claim it has not been terminated, have a good luck through the raw data if they have sent you any I have mine and it shows on there the update of the default.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

Link to post
Share on other sites

Whenever Cabot buy an account they register a default in addition to the one registered by the OC.

 

Yep, they did that to me... havent been bothered to check my file for months now but suspect the original creditors default is still on there :-) oh well more in my favour than theirs :)

 

S.

Link to post
Share on other sites

What they have done in my case is substitute their name on the original default.

Edited by Satterthwaite

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

Link to post
Share on other sites

I would love to know if there is a default on your file with Cabots name on it how they can claim it has not been terminated, have a good luck through the raw data if they have sent you any I have mine and it shows on there the update of the default.

 

Hi,i have looked through all the raw data sheets they have sent me and i can not any reference

to a default there.

 

I notice on my credit file that Barclays have a file on there that is marked satisfied,with no default recorded.

 

Cabot have a default recorded on there file,using a Cabot credit card number not the original Goldfish number.

 

 

When i asked Cabot/Morgans to supply all the documents they hold on me including original CCA,default notice and termination notice,they replied they did not have to as the account was not terminated

although most most letters i get from them say the account is in default.

 

I am almost certain they where messing with my credit file on equifax on the 31st March 2011

 

I also received from them i think in early February 2010 when they sent me the documents again when asked,they had stuck a white sticker in the box under where the application number is on the right side of the copy of the application form they sent me whene asked for documents again at that time.

now why would they do that.

 

barns66

Edited by barns66
amending
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...