cabot AGAIN

[sonic140]

starting new thread as case has changed

just got paperwork from Cabot. Pages and pages of blacked out info. Did find out its not S.B.-gutted. Checked old statements to confirm. Last payment FEB 2005. They have been charging 12% interest and the debt has gone from £6000 to over £9000. Can they do this ? Can I ask court to freeze interest. Also they say they sent me 10 letters but as I wasnt living at the address and my ex returned all my mail until my son opened court summons. (he has same name)They are charging for all letters too. any help much appreciated:idea:

 

(this is past alloc stage. Have sent cprs 31 and 18. and the above blacked out info is whats been sent by cabot)

Edited February 7, 2010 by sonic140
extra info

[debt4get]

cabot have added to my account as well, though they did back down when i pointed out to them i have no contract with them..reading your thread i take it that they have issued court papers? if so, you must defend..i am pretty sure these charges they have put on are rubbish and i dont believe them to be legal, the court would freeze the interest if they found in cabots favour, however, these scumbags must be stopped at the first hurdle..defend at all costs, if they have blacked out info why?

[new-me2010]

I'm wondering about the blacked out items too, perhaps its the info about how much they bought the debt for ?

[debt4get]

is the credit agreement enforceable? have you had it checked?

[sonic140]

dont know if its enforcable. how do i check? thanks for all your help:-D

[Bazooka Boo]

Scan it and post it on here using photobucket or similar, just make sure you remove all Id, names adresses, bar codes ref. numbers etc.

[sonic140]

ok will do. there are pages and pages of blacked out stuff. dont kno what thats about. scanner playing up but will try and find most relevant bits and put it on here.

 

Will i be able to claim charges from the this as it was a credit card?

[Bazooka Boo]

Was this in reply to a SAR? All the paper work?

 

Or simply a CCA request?

 

If it's the former then all you need to scan and load up is the Credit agreement, should have the T&C's and signature box, info about interest rates etc.

[sonic140]

cant find prevoius thread- cabot AGAIN.

Am at present at the stage where case with cabot has ben allocated to Fast track. Got paperwork from cabot. 50 pages mostly blacked out. got 6 months statements and a copy of an agreement I signed (its got signature form at top and is about one third the size of A4 and I can just make out something about cca1974 and another sheet with Financial and Regulated conditions as the title). Both are unreadable! The rest is just pages of stuff with marker pen thru it except at the end where they have left a bit saying they were going to attempt to get a charging order.

 

Dont know what to do. Should I try and agree to make payments (£60 pm is all I can afford) or will I have to go to court and they get a charging order.

Am getting really worried now. Any help appreciated:cry::cry:

[cerberusalert]

Merged with original thread.

[veryweary]

Post up a copy of the illegible agreement they've sent you, minus any personal details for the posters on your thread to check for you.

 

The more illegible the agreeement form is the better for you in your defence:).

[debt4get]

they cannot get a charging order until the following conditions have been met

they obtain a ccj in court

you are given by the court an amount you have to pay each week/month

you default on this

then and only then can they apply for a charge order

[sonic140]

How do i do that? Have scanned them but dont know how to put it on here. Sorry

[cerberusalert]

Scan the documents to a jpeg file & save to 'My Documents'. Go to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & left click 'Choose', another page will open listing folders in your computer. Double left click 'My Documents' & left click the file you want to upload. Left click 'Open', the box will close then left click 'Upload Now' on the webpage. The page will refresh giving a list of options, copy the URL & paste it back here. Left click 'Post Quick Reply' & voila your agreement will appear "just like that" as Tommy Cooper would say.

[sonic140]

Hi debt4get

RE Charging Order

I know what your saying but I have a charging order already from Natwest and they got it because the judge said the company needed to get their money. I was paying £70 pm on a £14000 debt Shoosmiths went straight for a CO as soon as the judgement and payment agreement was made. never sent DD or SO forms despite requests from me, never cashed chqs sent on time. Judge refused to listen to anything I had to say at court. Granted CO and told me Natwest were entitled to their money and I have to pay £300 pm !!

[sonic140]

cheers will do that now:smile:

[sonic140]

[/img]

[cerberusalert]

You've got to copy and paste the full URL.

[sonic140]

http://i47.tinypic.com/11bq7w9.jpg[/img]

Hope Ive done this properly!!

[sonic140]

Should I ask them for a legible version?

Edited February 26, 2010 by sonic140

[Huff&Puff]

Is that everything that they've sent?

[cerberusalert]

That isn't a CCA, it's part of the terms and conditions.

[Bazooka Boo]

What a joke! It might aswell be printed in Latin, send them the following, stop any payments, and hope they show this evidence to the courts..

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[sonic140]

They sent about 50 pgs of stuff. The first few were in response to my cpr31 and 18, then the two pgs I uploaded, 6 months of statements and then about 30 pgs of blacked out writing . then at the end a few pgs of 'history' ie were they sent me assignment (to old address) and were they are hoping to go for a CO etc.

will send of that letter.

Once again thanks to all for help and support. now have fewer sleepless nights:wink:

[Huff&Puff]

Well what they have sent you is completely unenforceable. Send the "in dispute" letter and stop making any payments, if you are doing so.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale