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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Cabot/morgan Claimform Morgan stanley card debt **struck out**


Hadituptohere
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Congrats, another victory for "The little people" ;)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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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Terrific news hadit - well done!! Perseverance, tenacity & determination are great weapons in pursuit of a good cause.

 

Great news for you. :D

 

Here's a few more links on costs for you ...

... see also #271 above, and the linked post about using N260 for costs here.

 

As well as invoking Kpohraror and Durkin for general - and maybe special - damages, you also have Mitchell for indemnity costs (#241 above).

 

Cabot's attempted con should prove quite expensive for them!

Oh dear, why do these things always happen to me - I don't beli...

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As well as invoking Kpohraror and Durkin for general - and maybe special - damages,

 

You should look at this thread before you quote Durkin:

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/264189-default-damages-supreme-court.html

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Meldrew thank you sooo much for your words of advise, along with many others you have helped me get my thick head around alot of what has being going on with the laymans approach.. really appreciated everyone, still just a little uneasy

 

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Thanks fg - didn't know Durkin had been overturned. Must say, really doesn't look right to me. Makes you wonder if any of the judges actually bothered to look at CCA 74!

 

Nevertheless, the appeal related only to special damages. As Durkin himself says in his #8, in the context of general damages for a creditor's failure to verify a default before reporting it to CRAs,

"I understand that people are using the original judgement to good effect, particularly with removing defaults. I'm very happy about that. This appeal judgement shouldn't affect that.
It confirms that £8K is still available for those that have "validly rescinded" their credit agreement
"
[my emphasis]
.

Also, Kpohraror still applies too for general damages (now ~£10k), and Mitchell for indemnity costs.

 

Don't be disheartened hadit - time to blow the dust off your legal expenses cover and check the small print!

Oh dear, why do these things always happen to me - I don't beli...

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Don't be disheartened hadit - time to blow the dust off your legal expenses cover and check the small print!

 

Im sat with a coffee and digesting it with a rye smile :D

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Im sat with a coffee and digesting it with a rye smile :D

... toast, I s'pose - it's a bit early for whiskey!!

 

Thinks ... at the end of all this, you might even find Cabot paying off 'er indoors's Abbey/Santander car loan!

Oh dear, why do these things always happen to me - I don't beli...

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Thinks ... at the end of all this, you might even find Cabot paying off 'er indoors's Abbey/Santanderlink3.gif car loan!

 

Now that would be nice ;)

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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  • 3 weeks later...
Thanks again Meldrew, gladly Job called off till next weekend after a wasted trip, Just checked our home insurance and it states Family Legal Protection 50000.00

 

Hadituptohere

I also have Family Legal Protection 50000 Through Bradford & Bingley.When I phoned for any legal advise or to cover any legal expense, they said debt issues are excluded and no help whatsoever was offered.My case is as follows:Morgan Solicitors have said that Contractual Liabilities and Burdens have not been assigned to Cabot (UK)-was Cabot (Europe) before !!

I joined yesterday and not sure how to use the Forum.I would like to bring the followig new tactic used by Cabot to everybody's attention and look forward to receiving members views/advise/suggestions. Cabot have filed a case against me as assignee of debts from Providian & Barclaycard.I requested true signed copies of agreements under CCA 1974-paid £1 fee.They sent me one from Providian-acopy of a 'Reply Card' card saying 'Please reply by 15th Dec 2000'-it has my signaturelink3.gif and dated 29 Nov 2000.No terms & Conditions.Another separate copy headed 'Financial And Related Conditions' which may be copy from any year-no link between the two.Willing to provide (not obliged as they are assignee) Barclaycard Credit Agreement when a copy is provided by the Assignor.My cheque was returned and they have stated that.

'You will observe that section 77 and 78 CCA74 states that ''The Creditor under a regulated agreement...shall give the debtor'' cetain documents.The Claimant also submits that it is an assignee of the contractual benefits of the agreement.Accordingly Cabot Financial (UK) Ltd(''Cabot UK'') is not the Creditor for the purpose of the CCA74 as defined by Section 189 of the CCA74.

The CCA states that the Creditoris ''the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law,and in relation to a prospective consumer credit agreement,includes the prospective creditor'' The Claimant in this case is the Assignee of the contractual benefits of the Credit Agreement and the Judgement.The contractual liabilities and the burdens of the Credit Agreement have not been assigned.The Claimants position is that as a matter of contract law,an assignment transfer the rights or benefits but does not relieve the Assignor of duties or burdons of liabilities to the other contacting party or entitle that party to enforce such duties or burdens of liabilities against the assignne of the debt.In the House Of Lords case of Linden Gardens Trust Ltd v Lenesta Sludge Disposals Ltd (1994) 1 AC 85,Lord Brown-Wilkinson stated that ''It is trite law that it is, in any event, impossible to assign ''the contact'' as a whole,i.e.including both burden and benefit.The burden of a contract can never be assigned without the concent of the other party to the contract...''Therefore, it is submitted that the claimant is an assignee and has not been assigned the burden or the liability of the the Credit Agreement.Therefore the Claimant is not bound by Section 77 or 78 CCA74 requests.

As we the Claimant is not the Creditor for the purpose of the CCA74, we return your cheque to you.

I have filed my Defence saying that there is no valid agreement and no monies are due to Cabot.

1)The Claimant has not provided true copy of agreement fully compliant with all the regulations made under the provisions CCA 1974.Proof Required.

2)No Statement of Accounts

3)No Default Notice from Cabot

4)No Notice of Assignment etc total claim £20645.62

Allocation Questionnare to be filed by 18/7/10.

Any advise will be appreciated.

Thanks

Ohm

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I think that youve made your point....

 

theres something strange here im sure

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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PT this is OHM's main post here

http://www.consumeractiongroup.co.uk/forum/legal-issues/264876-lost-against-cabot-3.html

 

And you also answered this aspect on Georges thread which ishere in a minute when I cut and paste...

 

Ta da! http://www.consumeractiongroup.co.uk/forum/legal-issues/264876-lost-against-cabot.html

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I think that youve made your point....

 

theres something strange here im sure

 

Hadituptohere

 

One of which is this:

 

My case is as follows:Morgan Solicitors have said that Contractual Liabilities and Burdens have not been assigned to Cabot (UK)-was Cabot (Europe) before !!

 

Cabot UK was not Cabot Europe before. It was Kingshill No.1 Ltd. Europe has always been the servicing company for UK/Kingshill.

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Hahahaha does anyone else like a chuckle???

 

Received this... they must be really really really desperate....

 

morgansMSDWpreaction.jpg

 

 

 

Now wheres that bog of unless you can provide all the docs that conforms to CCA74 letter that nocking around the site???

 

Hadituptohere

Edited by Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi pt this is a different card same old rubbish theres nearly 1000.00 in charges on this alledged account and cabot havent responded to my enquiry of who do I sue for the illegal charges which was sent back in 2008

 

Hadituptohere

Edited by citizenB
Title amended

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I dont understand, if this account is not subject to a claim then why are they waffling on about Practice Directions and Pre action Protocols. ?

 

HIUTH.. it might be better for you to separate this latest letter from this thread or other caggers might assume that it is still to do with the claim that was struck out. :)

Edited by citizenB

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Hi citizen B

 

Looks like its going to need a new thread if morgans are really foolish enough to continue with this one, will do if it progresses.

 

Been in touch with the County Court today and apparently theres a letter in the post, which I should receive tomorrow regarding the costs for my cabot/providian case

 

Hadituptohere

Edited by Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Now wheres that bog of unless you can provide all the docs that conforms to CCA74 letter that nocking around the site???

Well, as Morgans have decided to invoke the Pre-Action Conduct Protocol, you could start by tinkering around with this:

RECORDED DELIVERY

 

Request for copies of documents

(Civil Procedure Rules 1998: Pre-Action Protocols)

 

Dear Sirs

Account/Reference [1234 5678 8765 4321] (IN DISPUTE)

 

Your letter dated **DATE** (received **DATE**) indicates that your client might commence court proceedings against me without further notice or warning.

 

As you know, I have long since requested from your client, under both the Consumer Credit Act 1974 (“CCA 74”) and the Data Protection Act 1998, evidence of the agreement to which both you and your client allege I am a party. To date your client has failed to supply any such evidence, but instead tried to persuade me that providing a copy of an application form discharges your client from further obligations under section 78 of CCA 74. Conversely, I have explained that a copy of a mere application form is not a lawful substitute for a true copy of the executed agreement as required by CCA 74 s.78 and prescribed by Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (“CNCD 83”).

 

I remind you that CCA 74 s.78(6) provides that a creditor whilst in default of a request made under sub-section (1) may not enforce the alleged agreement.

 

Notwithstanding the above and your client's persistent, unexplained and wilful refusal to supply a copy of an executed agreement in accordance with its obligations (the permitted omissions under CNCD 83 Reg.3(2) excepted), you have made plain your client’s intention to begin legal proceedings against me. Consequently this matter is now subject to the Civil Procedure Rules and your letter appears to be intended as a “letter before claim”, despite not complying with the Pre-Action Conduct protocol.

 

Therefore take notice that, I request you supply to me within 14 days actual copies of the following documents:

  • the executed credit agreement incorporating prescribed notices, terms and conditions applicable at the time the agreement was executed, and
  • any further or subsequent notices, terms and conditions relied on.

If you are unable to supply these documents please confirm discontinuance of your client’s claim.

 

Take note that this request is not made under either CCA 74 or DPA 98. It is under Annex A paragraph 4.2(7) of the CPR Pre-Action Conduct protocol, for a copy of alleged documents which I believe are relevant but do not have.

 

Should you ignore this request or try to circumvent it, I shall in due course make another under CPR 27 or 31.15, as appropriate. If you fail to comply with that request, I will ask the court to strike out your client's claim as an abuse of process due to lack of reasonable grounds. The application will refer to this and previous document requests, and apply for costs.

 

FOR THE AVOIDANCE OF DOUBT, I DO NOT ADMIT THE EXISTENCE OR VALIDITY OF AN AGREEMENT WITH OR DEBT TO YOU OR ANYONE YOU CLAIM TO REPRESENT.

 

Yours faithfully

You'll need to adapt it to your own circumstances. Firstly review what's happened so far on this particular issue, then edit the the text accordingly, chopping or modifying any bits that don't apply in your case.

 

 

Edited by Meldrew
tautology; 2nd edit:formatting corrected after transfer to new thread
  • Haha 1

Oh dear, why do these things always happen to me - I don't beli...

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Hi everyone

 

Cabot have been foolish enough to pass their alledged account on to there litigation team (can you hear my knees knocking from there???)

 

 

 

Hadituptohere

Edited by citizenB
Title amended

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Cym, I will be moving your post to the new thread so your post doesnt look odd :D

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/268157-hadituptohere-same-crowd-different.html

 

Link to Hadituptohere's latest saga....

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Thankyou Meldrew thats just what i was looking for

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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And many thanks to citizenB, your a star.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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