From Monument to.......Cabot

[BeauBrummie]

Hi I've gone to Cabot to see what they have!

 

Yes, so have I, but I thought it would be beneficial to see what happened on my account around the the time of the issuing of a DN, which Cabot seem to be ignoring seemingly now at their peril:wink:

 

Proving difficult to track down who actually holds the info now.

 

 

Beau

[cymruambyth]

Here's your CCA link Cy:

Results within Legislation - Statute Law Database

 

235 pages if anyone is interested!!!!!!

[citizenB]

235 pages if anyone is interested!!!!!!

 

[foolishgirl]

I don't think it's necessary to print it all out for your bundle Cy.

I would put the front index page in as reference & then copies of the clauses you will refer to in the hearing. If you can take a copy (either hard or on a laptop) with you to the hearing it may help you if the other side or DJ refer to clauses you didn't think were relevant.

[cymruambyth]

Thanks, I was thinking of putting the whole document in a ring binder for reference and yes I will print out relevant clauses. The thought of adding that to my postage costs......(even if I am going to get them back;))

[cymruambyth]

Well all information will be on a password protected CD ROM!

[cymruambyth]

A new court order from different DJ.

Claimantshall lodge indexed bundle of docs, numbered in a ring binder etc

A case summary not exceeding 500 word outlining issues and referring to relevant docs. to assist DJ.

Parties to agree contents of trial bundle and case summary

A trial timetable. In default of agreement, both parties fle own timetable atleast 7 days before....

Costs

[BeauBrummie]

Well all information will be on a password protected CD ROM!

 

Had my SAR data today on day 41!!

 

At first glance it does not reveal anything that I did not already know:mad: with the exception of one item that seems to show that when they bought my account the Balance was £xxxxxx in one column and then in the arrears column was the same balance - this cannot be true.

 

It would seem that Monument have given them the info saying that the arrears were due in full??

 

Beau

[cymruambyth]

I'm still awaiting with baited breath!

[foolishgirl]

A new court order from different DJ.

Claimantshall lodge indexed bundle of docs, numbered in a ring binder etc

A case summary not exceeding 500 word outlining issues and referring to relevant docs. to assist DJ.

Parties to agree contents of trial bundle and case summary

A trial timetable. In default of agreement, both parties fle own timetable atleast 7 days before....

Costs

 

There you go, you're ahead of the game!! :)

 

Just make sure your summary is concise & extra clear;).

 

Suggest you submit timetable, summary & index page of your bundle to Claimant 7 days ahead of filing date & ask for confirmation of their acceptance. If they don't respond (more than likely), file a note of that within your bundle.

[cymruambyth]

It was only the claimant who was asked to submit the bundle and case summary.

Are you suggesting we won't agree on everything?

[foolishgirl]

Sorry Cy, should get my specs on.

 

Interesting order though. Have you not been instructed to submit a bundle?

[cymruambyth]

No, 'the parties shall seek to agree the contents of the trial bundle & case summary'. Will PM exect wording later

[eagleforms]

Don't know if it is OK to post on this thread but I have sent subject access request to Cabot re. Monument (was Providan when I took it out).

Been sent something that looks like a cobbled together Credit Agreement merged with the application form. Also sent separate T & C's and statements. What should be my next move?

[BeauBrummie]

Don't know if it is OK to post on this thread but I have sent subject access request to Cabot re. Monument (was Providan when I took it out).

Been sent something that looks like a cobbled together Credit Agreement merged with the application form. Also sent separate T & C's and statements. What should be my next move?

 

There are quite a few of us who like to see what the credit agrrement looks like I would imagine!!!

 

Do you have your own thread for your case? if so whats the link? and could you post the agreement onto your thread removing all of the identifying info

 

Beau

[eagleforms]

Thanks Beau, I'll start a new thread and try to post "agreement" on it. haven't done it before and not sure how to do it!

[libra007]

similar case i have with cabots Can any move my thread to legal section now. and in the mean time anybody can help me file a defence. Thanks

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/117115-libra007-cabot-monument-2.html

[cymruambyth]

Hi Libra I have answered on your thread.

[cymruambyth]

Just going through paperwork again!

'Error during calculation ays since default notice, date of dfault notice is not known for this case, thus making the calculation invalid.'

2 points, surely if they don't have information on DN thye shouldn't have taken action and if they don't have this date then all their calculations for interest must be incorrect.

They did land reg check before court action and their proposed enforcement action is a charging order.

Finally, Reply form only has my signature and nothing from them.

Just talking aloud as I think through everything!

[foolishgirl]

Just going through paperwork again!

 

'Error during calculation ays since default notice, date of dfault notice is not known for this case, thus making the calculation invalid.'

 

2 points, surely if they don't have information on DN thye shouldn't have taken action and if they don't have this date then all their calculations for interest must be incorrect.

 

It would certainly make interesting questioning as to exactly how they calulated the sum for the POC!

They did land reg check before court action and their proposed enforcement action is a charging order.

 

What! Before obtaining a CCJ?? Naughty, naughty. OFT should smack their hands.

Finally, Reply form only has my signature and nothing from them.

 

Well, it wouldn't make a properly executed agreement would it? And as such, if there is no space for their signature, it can only be what it says it is - an applic. form! Simples.

 

 

FG

[cymruambyth]

Thank you FG, your coments have reinforced what I was thinking.

[sir fussalot]

Cym..

 

Your copy of their actions log didn't say, " Await CCJ", "Take note, CPC Claim with Charging Order as proposed action";

 

wouldn't have said the above like mine does, would it ??

 

 

sir fuss.

[Hadituptohere]

It probably does as it says that in mine too, along with the land registry check..

 

Hadituptohere

[cymruambyth]

Oh dear, maybe we should all start complainin to the FOS

[sir fussalot]

Well, well ,well............

 

No wonder Cabrot get P**d of when people start to fight back, and upset their routine. It must throw a tidy sized "spanner in the works".

 

After all, now they have to find ALL the paperwork that proves there is a legitimate debt.

 

AND, they have to get ALL the case properley documented for any court action.... ( well, in theory they do..).

 

What a FANTASTIC Business set up ! Buy cheap problem debt.

 

Dont bother to try to sort it out. go straight to court do not pass GO..

 

Bang on a Charging Order... WOW regular monthly income. FANTASTIC>>

 

 

Fussey..