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    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received a Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 so I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.     Documents.pdf
    • Will the real criminals please stand   Biden 🤣GUILTY on all counts    Come September remember Americans don’t like tax dodgers 🤣
    • You of course ignore the fact that Farage actually helped raise £100,000 so that WW11 Veterans could actually attend the celebrations    Meanwhile oh to be in France 🤣  
    • Damn!  Wikipedia is out of date. Good idea though to see if one of the shops can give you the landowner's details.
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Help Please with Cabot & Lowell Portfolio


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Hello all,

 

I've had a good look over the site and it seems the advice given is to post up details of your specific issue and see what you guys recommend...

 

So here goes..

 

I have two default notices on my credit file - one from Cabot and one from Lowell portfolio.

 

I have sent the letter to both asking for a true copy of the original credit agreement. (hope this was the correct thing to do)

 

Cabot have responded saying they will contact the original lender to source, although they are not legally obligated to do so. Lowell have yet to respond (letter sent 2 weeks ago).

 

Any advice on next steps/how the hell I deal with these people would be much appreciated!

 

Many thanks.

 

WB.

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The creditors have 12+2 working days excluding holidays to respond, after that if they have not sent to you a proper and enforcable CCA, then you can stop payment, has Cabot put the account on hold ? if so then stop the payments. If Lowell do not reply after the time limit, then send them the follow up letter and stop paying them. If at any time they were to come up with a valid copy of a CCA then the account would become enforcable, that is if they have sent to you a letter of assignment when they purchased the debt.

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Thanks for that. If they cannot supply a valid CCA, is there a way I can remove the default notice?

Im not sure as ive never tried to remove a default, it should be possible, i would like to hear from other caggers on this one.

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  • 3 weeks later...

Well Cabot have now responded saying there is a delay in getting the required docs from their client and they have 'put my account on hold as a courtesy'

 

Very kind considering they have no proof of any debt!

 

Anybody know what my best next step is? Should I perhaps post this elsewhere?

 

Cheers!

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not much as this stage, give them a little more time to hang themselves,

 

in the meantime have a read over this re defaults

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

ida x

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  • 3 weeks later...

Well it seems they've got their house in order after all... Signed Credit agreement arrived today (albeit a long time after it was requested.)

 

Has anyone succesfully appealed a pre-2007 credit agreement?

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Well it seems they've got their house in order after all... Signed Credit agreement arrived today (albeit a long time after it was requested.)

 

Has anyone succesfully appealed a pre-2007 credit agreement?

Scan the agreement on here so we can look at it and see if it is enforcable or not.

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too small can you upload to photobucket or tiny pic and then repost?

 

ida x

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