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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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    • We have finally managed to obtain the transcript of this case.

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Cabot - Halifax Credit Card - Cabot now started Court Action - Help Please ***SETTLED***


lamb909
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Yes take Donkey B with you complete with the ''HEAD'' just for frighteners:madgrin::madgrin:

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Yes take Donkey B with you complete with the ''HEAD'' just for frighteners:madgrin::madgrin:

 

:madgrin:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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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Lol I had the delight of sending in the baliffs to collect my costs to cabot's registered address and mr morgan managed to sweet talk the baliffs, but the cheque came through a couple of days later...hahaha

 

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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They have agreed to a Tomlin order of £10 per month, he is e-mailing it to me then I can print it off and sign it and scan it and send it back or just sign and send back. Asked if I could pay by DD, told them no, could only pay by SO, I asked for another extension due to needing sound advice due my MH issues (thanks Shadow) so have agreed another week after this Friday, will confirm this is e-mail also.

 

Can I post the Tomlin order on here for you guys to look at please, just to make sure its ok and everything (thats when I get it)

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Excellent Lamb what a relief this must be I am so pleased for you, please post it up but remember to

remove personal info, I've done a number of these for people and they are quite straight forward.

Binding on both parties, and best of all NO CCJ is recorded.

 

Best wishes

 

Brig.

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We write with regard to your telephone call to our office this afternoon.

 

You offered to make payments of £10.00 per month. We explained to you that we accept that offer.

 

We enclose herewith a Tomlin Order for your consideration which sets out the agreement.

 

Once legal proceedings have been commenced, any proposed settlement has to be formalised in an appropriate Order. A Tomlin Order constitutes such a formal agreement and must be approved by the Court who in turn seal the document and stay proceedings until such time as the sum agreed is discharged.

 

If you are in agreement with the terms detailed in this Order, you should sign the document where indicated, and return it to us, whereby upon receipt, we will forward the same to the Court together with the appropriate fee. Please do not date the Order.

 

If you are in any doubt as to the content of this Order, you should seek independent legal advice.

 

For the sake of clarification, we agreed that you have an extension until Friday 15th July 2011 to file a Defence or Admission or return the signed Tomlin Order to us. You must take one of these steps by that time or we will be entitled to Judgment in default of a Defence. You may, of course, return the Tomlin Order by post or by email as you wish.

 

We look forward to hearing from you.

 

Yours sincerely,

Morgan Solicitors

In-house Litigation Department for Cabot Financial (Europe) Limited

5 Mitchell Court

Castle Mound Way

Central Park

Rugby

CV23 0UY

Tel.: +44(0) 1788 556390

Fax.: +44(0) 1788 578130

DX 11678 RUGBY

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You feel better now Lamb?

 

If for any reason you would like me to check the order and schedule and put your mind further at peace, please post or PM me.

 

Regards

 

Andy

We could do with some help from you.

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Hi Lamb

 

This is a real result. Well done for sticking at it...I know its been difficult for you and you courage is admirable my friend. This is going to relieve a lot of stress I bet. I am so pleased for you.

 

And although this case was out of my area of experience I'd just like to say what a great bunch of Caggers you all are for helping Lamb get through this. If we were all in the pub I'd buy you all a drink or two.

 

Excellent stuff.

 

ims

 

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cant copy it so here goes

 

At the top it states "in the county court bulk centre c claim no

 

Between Cabot Financial Claimant

 

and

 

Lamb Defendant

 

THE CLAIMANT AND THE DEFENDANT HAVING AGREED TO THE TERMS SET OUT IN THE SCHEDULE HERETO. IT IS ORDERED THAT AND BY CONSENT ALL FURTHER PROCEEDINGS IN THIS CLAIM BE STAYED EXECPT FOR THE PURPOSE OF CARRYING SUCH ITEMS INTO EFFECT. LIBERTY TO APPLY AS TO CARRYING SUCH TERMS INTO EFFECT

 

SHEDCULE

 

THE DEFENDANT DO PAY THE CLAIMANT THE SUM OF XXXXXX INCLUDING INTEREST AND COSTS IN FULL AND FINAL SETTLEMENT OF THE CLAIMANTS CLAIM BY WAY OF 326 CONSECUTIVE MONTHLY INSTALLMENTS OF £10 AND ONE FINAL PAYMENT OF £9.41. THE FIRST PAYMENT SHALL BE RECEIVED BY THE CLAIMANT ON OR BEFORE 31 AUGUST 2011 AND EACH SUBSEQUENT PAYMENT SHALL BE RECEIVED BY THE CLAIMANT ON OR BEFORE THE LAST DAY OF EACH CONSECUTIVE MONTH THEREAFTER.

 

IF THE DEFENDANT DOES DEFAULT IN THE PAYMENTS AS DETAILED IN PARAGRAPH ONE ABOVE THE CLAIMANT BE AT LIBERTY TO ENTER JUDGEMENT FOR THE SUM OUTSTANDING

 

UPON PAYMENT OF THE SAID SUM THE DEFENDANT BE DISCHARGED FROM FURTHER LIABILITY IN RESPECT OF ALL CLAIMS MADE BY THE CLAIMANT IN THESE PROCEEDINGS

 

DATED THIS DAY OF...............................................2011

 

 

SIGNED

 

 

..................................... ..............................................

MORGANS NAME & ADDRESS MY NAME AND ADDRESS

on behalf of the Claimant

 

 

 

Please forgive any spelling mistakes

 

Is this ok?

Edited by lamb909
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You feel better now Lamb?

 

If for any reason you would like me to check the order and schedule and put your mind further at peace, please post or PM me.

 

Regards

 

Andy

 

 

Missed this, yes Andy, I am feeling much better, thanks for asking, have posted my typed up copy of the order below, would you mind taking a look?

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Hi Lamb

 

This is a real result. Well done for sticking at it...I know its been difficult for you and you courage is admirable my friend. This is going to relieve a lot of stress I bet. I am so pleased for you.

 

And although this case was out of my area of experience I'd just like to say what a great bunch of Caggers you all are for helping Lamb get through this. If we were all in the pub I'd buy you all a drink or two.

 

Excellent stuff.

 

ims

 

Thank you so much IMS, I am very pleased and yes, the stress will reduce a lot

Thank you for taking an interest in me

 

And yes, all the Caggers that have helped, including yourself and others that have just popped in to show support, are amazing, truly amazing and I shall be forever grateful and I would like to buy everyone a beer, as I dont have to pay the first payment this month, will £10 be enough to buy you all a drink ha ha, don't think so but I will be treating myself to a couple this evening

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That is just what I expected to see.

 

Excellent.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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cant copy it so here goes

 

At the top it states "in the county court bulk centre c claim no

 

Between Cabot Financial Claimant

 

and

 

Lamb Defendant

 

THE CLAIMANT AND THE DEFENDANT HAVING AGREED TO THE TERMS SET OUT IN THE SCHEDULE HERETO. IT IS ORDERED THAT AND BY CONSENT ALL FURTHER PROCEEDINGS IN THIS CLAIM BE STAYED EXECPT FOR THE PURPOSE OF CARRYING SUCH ITEMS INTO EFFECT. LIBERTY TO APPLY AS TO CARRYING SUCH TERMS INTO EFFECT

 

SHEDCULE

 

THE DEFENDANT DO PAY THE CLAIMANT THE SUM OF XXXXXX INCLUDING INTEREST AND COSTS IN FULL AND FINAL SETTLEMENT OF THE CLAIMANTS CLAIM BY WAY OF 326 CONSECUTIVE MONTHLY INSTALLMENTS OF £10 AND ONE FINAL PAYMENT OF £9.41. THE FIRST PAYMENT SHALL BE RECEIVED BY THE CLAIMANT ON OR BEFORE 31 AUGUST 2011 AND EACH SUBSEQUENT PAYMENT SHALL BE RECEIVED BY THE CLAIMANT ON OR BEFORE THE LAST DAY OF EACH CONSECUTIVE MONTH THEREAFTER.

 

IF THE DEFENDANT DOES DEFAULT IN THE PAYMENTS AS DETAILED IN PARAGRAPH ONE ABOVE THE CLAIMANT BE AT LIBERTY TO ENTER JUDGEMENT FOR THE SUM OUTSTANDING

 

UPON PAYMENT OF THE SAID SUM THE DEFENDANT BE DISCHARGED FROM FURTHER LIABILITY IN RESPECT OF ALL CLAIMS MADE BY THE CLAIMANT IN THESE PROCEEDINGS

 

DATED THIS DAY OF...............................................2011

 

 

SIGNED

 

 

..................................... ..............................................

MORGANS NAME & ADDRESS MY NAME AND ADDRESS

on behalf of the Claimant

 

 

 

Please forgive any spelling mistakes

 

Is this ok?

 

Thats fine Lamb, we could have got them to drop the Interest and costs also but I feel on this occasion you are just relieved with what has been furnished.

Wait for others to comment and then sign it and put this matter behind you.

 

Regards and very well done for handling this matter.

 

Andy

We could do with some help from you.

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That is just what I expected to see.

 

Excellent.

Brig.

 

 

Brig, what a true friend and stalwart you have been, words are just not enough at this time for you. I hope we continue to 'meet' whilst dealing with my other debts.

Your unwavering support and kindness have meant so much, always there, always behind me, ........................just don't have the words

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Thats fine Lamb, we could have got them to drop the Interest and costs also but I feel on this occasion you are just relieved with what has been furnished.

Wait for others to comment and then sign it and put this matter behind you.

 

Regards and very well done for handling this matter.

 

Andy

 

Thank you Andy

 

The amount stated on this order is just over a £100 more than my original debt was for, would that be the costs andinterest. If so, a small price to pay for not having a CCJ over me and the possibility of going to court.

 

I couldn't have handled it without the support, guidance and understanding from many fellow caggers who have got me through this, its been very much a learning curve and one I can only hope others could possibly learn from. From thinking I had a defense to realising I didn't then trying to stop court action has been a rollacoaster and at times it been crap, on the other hand I have got to "meet" people who post on here and I cannot say thank you to them all enough. I am just relived now and glad its at the end. Suprisingly, I feel now that I could possibly handle matters both debt and non debt related in a better way and that is all due to CAG.

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Always be here to help you Lamb, I hope!!

 

Enjoy that couple of drinks tonight, I''ll drink to your future:whoo:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Well done lamb, you've proved your no sheep when it comes to dealing with these people now. Order looks good to me and the fact they're not seeking judgement as well as the payment is a bonus. Ensure you set up a standing order for a few days earlier than it needs to be in by and yopu should be laughing. Have a good drink tonight. Sorry can't alter thread title as on hols + using the mobile.

 

S.

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Thank you Andy

 

The amount stated on this order is just over a £100 more than my original debt was for, would that be the costs andinterest. If so, a small price to pay for not having a CCJ over me and the possibility of going to court. Correct.

The forum is here to assist anytime not only with debt matters, so if you are ever feeling low just log on and join in.

Andy

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Aaaaahhhhhh Holidays

 

I remember them !

 

ims

 

Distant memories like mine, with a daughter getting married in two weeks!!!:jaw:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The best DB the last Tomlin I worked on was £5 for 460 months, the big benefit

to the debtor is no CCJ.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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