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    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
    • DX, worth mentioning? I take it that you refer to after ,65 loan is written off clause. I thought that after the problems I had at deferment (/no proof of income satisfied them, and I could not afford an accountant) after they stopped pestering that they had decided that the age related clause  had kicked in. As I said, its time to hit back with SB letter.
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    • 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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CCA agreement received what now?


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Can anyone advise what to do now?

 

I cca'd Cabot for a Barclaycard debt and they received the request on 16/06/2008 they have just sent me a copy of the application form today 15/08/2008.

The application is singed by me, and carries the statement " This is a credit agreement regulated by the consumer credit act 1974. sign it only if you want to be legally bound by it terms". The terms and conditions are on a separate sheet of paper and are another photocopy. Because they did not get it to me within the time limits does that mean it would not stand up in court?

 

I have previously sent a S.A.R - (Subject Access Request) to Cabot which they complied with and also complained about telephone harassment.

 

I don't know what to do now, give up and pay them or fight on, any advice?

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Check the T&C's page to see what charges are stated for over limit, late payment etc. Alot of DCA's send out current versions that all state £12 and not the £20-£30 that would have been on the original agreement (assuming this account is from before the unlawful charges case) indicating they only have the front sheet of the agreement.

 

Did you get a notice of assignment from the DCA or are they working on behalf of B'Card?

 

Is there any charges on the account that you could claim back?

 

Did you get a default notice?

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Check the T&C's page to see what charges are stated for over limit, late payment etc. Alot of DCA's send out current versions that all state £12 and not the £20-£30 that would have been on the original agreement (assuming this account is from before the unlawful charges case) indicating they only have the front sheet of the agreement.

 

Did you get a notice of assignment from the DCA or are they working on behalf of B'Card?

 

Is there any charges on the account that you could claim back?

 

Did you get a default notice?

 

Hi there does not seem to be any mention of charges on the T&C's only that there is a £10 annual fee. The T&C's would appear to be a photo copy of the other side of the application form. I did not receive a notice of assignment from Cabot although in the pack they sent me for my S.A.R - (Subject Access Request) they said they sent one but the pack just contained representations of letters sent (the usual collection of templates). I did not receive a default notice and yes I think there are charges on this account.

Edited by Tricky_Dicky
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From what I can make out this is Unenforcable as the prescribed terms are not contained with the Main Document. This is an application form.

 

Yes it is a copy of the application form. Does that mean it's unenforcable and if so what should I do next in regard to Cabot's team of threat monkeys?

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Well it would make a good aeroplane, but as a credit agreement it sucks big time.

The T&C's are completely meaningless as all the prescribed terms MUST be within the signature document. A seperate T&C sheet is totally unacceptable, and they know it ;)

Be VERY careful whose advice you listen too

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The last payment made to Cabot was Jan 2007

I had been paying Cabot until Jan 2007 when I found my self out of work so I cancelled Direct Debit. The threats and harassment received from Cabot Towers became intolerable so I decided to fight back.

Checking through the SAR I can see I have already paid Cabot £990. The original amount they claimed when they first contacted me some time in 2001 was £1700 for a B'card debt from 1997.

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No worries.

in that case feel free to ignore this steaming missive from our "friends" as it is their normal Bovine Excrement.

Wait and see what they have to say next, if anything.

 

Also remember NEVER speak to them on the phone as they will say anything to secure payment. Keep everything in writing for the avoidance of doubt.

Be VERY careful whose advice you listen too

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  • 1 month later...

Congrats

but i believe it will end up going to someone else.

Make sure ya keep all the letters as im sure the merry-go-round

will commence again.

Have you checked your credit file to see if there still on it?

 

Well done though for sticking to your guns

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Congrats!

 

That's the EXACT same letter that I'm hoping to get!

 

Well done!

 

Power to The People.

 

;)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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