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    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • Hello   I wonder if someone might be able to clarify a problem for me.   I have an old problem raise its head again with cabot finance.   There were 2 bank debts that occurred at the same time that I was unaware off. My Ex wife continued to use a bank account and 2 the debts occurred.   I successfully defended a claim from cabot via MCOL regarding a SB debt 6 years ago. This debt had no previous recovery action on it and therefore SB defence was successful.   It looks like of their parent/sister company (Mortimer Clarke) company issued a CCJ for the other debt in 2011 but the court documents were sent to an address that I no longer lived at and had left 2 years previously so I was unaware of them until I checked my credit report and saw a CCJ on my file. The next time I checked back the CCJ was not showing. I did however manage to obtain a backdated report showing the CCJ recorded.   The CCJ is no longer on my file and no adverse information is showing.   I wrote to Cabot back in 2019 to say that I believed this debt to be statute barred and they wrote to say that as they had obtained a CCJ in 2011 that this was not the case.   The CCJ is no longer showing on my file and calculating that it would have dropped off around 2017 so is it in my interest to try and get this removed from old records? Is it a defence that the court proceedings were sent to an address that I had moved away from 2 years previously or would entering into any such action reignite the CCJ/debt.   I have looked at various comments on the Internet and from what I gather cabot may need to return and get permission to chase the debt ? Is this correct.   I no longer own any assets (other than a car) in the uk as  they are writing to my partners address as she still owns a property there.   Many thanks for reading my post, if anyone has any suggestions to point me in the right direction or confirm my thinking that they are just hoping that I will pay,it would be much appreciated.   do I just ignore them ?    Thanks Dave
    • Hi... well I was a idiot and got a log book loan from car cash point.... if only I knew how underhand and disgusting this company was I would never have done it.  They haven’t been very flexible considering it’s been a global pandemic and I’m a hairdresser so have been off 9 month more or less. So many things they have done must be illegal. They made a arrangement with me on the 20th December 2020 if I paid 300 and then my monthly 110 it would stop repossession, which I did, I had correspondence with them on the 11th say my full balance due on the 18th Feb was £1875.29 even though in earlier correspondence we had changed payment dates to 28th as that’s when I get paid . In the email on the 11th nothing is mentioned about a 3rd party or repossession. On 23rd Feb 2021 8”I get an alert through my insurance my car is moving, I’m in the house , nobody knocked nothing they took my car with all my possessions without the keys and didn’t let me know, if they had I would of been able to try get the funds. 2-3 days I have been arguing with them and the repossession company. They took my car over 40 mins away with my bankcard, shop keys everything in. I managed to borrow the 2000 pound as it had shot up to 2274.29 within days. I went to collect my vehicle yesterday which was another nightmare trying to tell me to wait another 24 hours which I wasn’t they had the money I wanted my car. On getting my vehicle on inspection they have damaged my car, it had a knock above the wheel arch I have proof of it before as I done it getting into work but they have took my paint work down to the metal.you can see it’s where they must of tied it to tow truck. I’m not letting this lie Everything they do is so corrupt me and my solicitor friend are going through everything with a fine tooth comb I’m going to ombudsman and I’ve also wrote to watchdog. I feel very strongly as this  company are nothing but criminals through legal loopholes. Has anyone had any similar experiences with this company and had damage to their vehicle? I think if enough people complain they will get investigated. I feel it was bully boy tactics as I said I would be able to pay hence the arrangement they made with me. 
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • and some possible future problems with the O/AZ approach to vaccines should; as seems almost certain; ongoing booster shots be required - vaccine vector immunity particularly with the body developing immunity to adenovirus vectors   https://www.reuters.com/article/us-health-coronavirus-vector-immunity-fo/astrazeneca-sputnik-vaccines-face-hurdles-if-covid-shots-become-annual-affair-idUSKBN2AQ0VX   "Most vector-vaccine developers have opted to use an adenovirus, a harmless class of common-cold viruses.”The experience with adenoviruses has been for many years that vectors can be intercepted by the immune system after repeat injections,” said Bodo Plachter, deputy director of the Institute of Virology at Mainz University’s teaching hospital."   My lay expectation is that its not an immediate problem.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Today sent my first letter to HSBC - Despite being a newbie!

Please note that this topic has not had any new posts for the last 724 days.

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Thanks Bankfodder, useful to know :)


Well it's the 16th, and the post's arrived, almost unsurprisingly there's nothing from HSBC. I'll wait and see if anything turns up tomorrow that they may send today, but I won't be suprised if nothing turns up, I'm sure it'd only be a generic response... and we all know how it costs the bank £25+ a time to send out a generic letter! :lol::wink:


9 days left to enter a defence... :twisted:

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Do I understand that you have put in a claim for an indeterminate amount and that they have not complied with your DPA request, but that the clock is still ticking on the DPA?

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I managed to get all my statements online and work out the total charges, less any that have been previously refunded, and therefore the amount I am claiming is accurate... although I have all my statements via online banking I did request statements under the DPA which so far I have heard nothing about, by Monday 20th the 40 days will have expired.


Just to note, my DPA request was done under the old style letter which requested a refund of all the charges or to be sent all my statements (under the DPA). I do feel this was still a clear request under the DPA which they should have at least acknowledged!

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Dear Dave


They do not like bad publicity. I got the deeds to my garage back £116,000 wrote off and an offer of another hundred thousand which I have turned down. Becauise it is not enough for what as happened to my wife.


Type the name of the Chief Executive into your search engine. Type >>> Dyfrig John HSBC BANK. See how I advertise their product.





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What on earth has that got to do with this thread? :?


recieved a letter this morning dated 16th March saying they would contact me again by 6th April 2006 and expect to be able to give me a full response then, they currenly have 5 days remaining to enter their defence and i've recieved no information on statements relating back to my DPA request...

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Hi Richard,


I've been following your 'diary' and if my calculations are correct their DPA deadline expired yesterday. Did you hear from them regarding that (a legally required deadline)?


If not, the Dave/BankFodder seem almost overzealous that the bank should be reported - I know that I will absolutely certainly report them (the bank that is) when my deadline is one second overdue...


Hope the next part goes well for you...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.


All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm eager to know how you are getting on Richard? :D I'm very new to this site as well as forums but I'm very determined to get my bank charges back. Going to be requesting my DPA details on Friday from both HSBC and Capital One!


I hope you get the result you are looking for. As I'm quite confident you will... :wink:

Life is a comedy to those who THINK and a tragedy to those who FEEL!


Consumer Action Group = Best Website in the WORLD.

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well HSBC still have 3 days to enter their defence or at least acknowledge the claim... Saturday is the day of judgement, the day by which they must enter their defence or acknowledge the claim, I will then apply for a judgement to be made.


I've been incredibly busy over the past few days with work (doing 14 hour days) so haven't had a chance to enter a complaint regarding their failure to comply with my DPA request. Though rest assured I fully intend to.

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well.... seemingly no defence entered so far (well status on moneyclaim online hasn't changed at all)


but having tried numerous times since midnight to apply for a judgement i'm being given the error message


You cannot request a Judgment by Default at this time.


The Defendant is allowed 14 days from the date they were served with the claim to defend or admit your claim before you can request a Judgment by Default.


If the Defendant files an Acknowledgement of Service within 14 days of receiving the claim form, they will be entitled to 28 days from the date they were served with the claim form to file a defence or admission of your claim. If the Defendent does not file a defence or admission within the 28 days you can request a Judgment by Default.


If you have not requested judgment, the defendant may still file a defence to your claim after the 14 days or 28 days have elapsed. The claim will then be transferred to your local court for a hearing to be arranged.


Argh! Will try again in the morning, not too sure what the hold up is though?

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Have been on the phone to the MCOL Helpdesk who have told me that although 14days has passed, because the 14th day was on a weekend I cannot request judgement until the end of today (end of the first working day after the deadline). So submitting my claim on a Saturday has given HSBC an extra 2 days to file an acknowledgement or defence! Fingers double crossed they won't though, I could really do with some money ASAP! lol.

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  • 3 weeks later...

Any news on this case?? I am due to start MCOL next Wednesday so really interested with how you got on.

HSBC - Default Judgement - £4892

HSBC, PA 29/3/06 LBA 12/04/06

HSBC, Court Claim Filed - 26/04/06

Lloyds - Claim - £625

Lloyds PA sent 16/05/06

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  • 12 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please note that this topic has not had any new posts for the last 724 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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