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CL again - Dirty tricks in attempting to collect a nearly SB'd Debt


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HI all

after CL had written to a colleague of mine saying that the Debt couldn't be SB'ed because requesting a SAR implied that the debtor had admitted acknowlegement of the debt (re buffed thanks to CAG and reported to the various agencies too) another missive has popped up saying We don't accept that your request also for a CCA on this debt is anything other than a delaying tactic so we are going to FAST TRACK this and issue CCJ papers.


Surely the CCA is a LEGAL requirement that has to be produced -- and if they were stupid enough to attempt to issue a CCJ does this stop the clock for SB running or must the case have actually come to court and the creditor won the case before the SB date of debt.


There really is NO BOTTOM to the tricks these scumbags get up to and the trouble is they get away with them most of the time. Thanks to sites like CAG Joe public is getting better informed as to the ways of these bottom feeding slime.


Hopefully CL Finance will go the way of their DISGUSTING, ROBBIING now extinct main organisation CATTLES PLC.


I wish there were some CRIMINAL LAW we could chuck at either the directors or the company itself. Civil Case Law seems to protect them quite well it's - hard to prove even simple things like Malpractice when only a code of conduct or guidelines exist --Guidelines are NOT LAW unfortunately.




Edited by jimbo45
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If they do fast track it to a CCJ you can add the following to your defence


"ON xxx date a CCA request was sent to the creditors (exhibit yyy), their reply is shown as exhibit xxx (put their answer in the appendices)


This claim is therefore vexatious and litigatious and there is no cause for legal action until the CCA request has been granted and time allowed to investigate the validity of the creditors claim.


The creditor has also failed to send a Notice of Assignment to the alleged debtor and thus this case does not comply even at a basic level with the CPR rules."

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Yep read another htread on here yesterday where the OP had been informed that asking for the SAR restarted the limitation period, however the OP has this little missive in writing so is able to make the necessary complaints to the relevant organisations.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Well, they can issue what they like, but you have a defence as they refused to comply with your CCA request. Tell them to issue away, but you'll ask for costs (which you'll get as they have not complied with the CCA OR the CPR)

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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CL Finance are the ones staring down the barrel of the administrators when Cattles gets sold to anyone stupid enough to buy it, later thjis year.


Its understandable they get desperate to recover as much as possible, lets face it since they lost the lending arm the only bit of the business making money is recovery.


At the end of the day these are stupid tactics designed for a purpose which no longer works for this ****, anymore.


RIP Cattles good ridence

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