Jump to content


Sainsbury loan CCJ - sold to Cabot


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 97 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys

Firstly i had a loan with sainsburys bank .

I lost my job and had to default .

 

I ended up in court and had a CCJ made against me and was ordered to pay £?? so much a month towards the debt

I had yearly statements from sainsburys showing the debt going down .

 

All of a sudden i get a letter from sainsburys saying that cabot had taken over my debt and i should now make payment to this company .

Here starts the nightmare again .

 

I have got a CCJ for this debt and followed the courts order to pay off the debt at my agreed payment ,

Enter Cabot .

They ask me for an offer to pay .

they want more .

well i am not in a postion to pay more and for the cost of the CCJ off sainsburys i am not going out of my way to clear this debt .

 

i was geting the freatening letters from cabot pay this amount etc .

i wrote them a letter explaining i needed their account details .

they replied with a letter telling me to go on their site and make a new offer of payment ?

Erm excuse me i have a ccj agreement to pay my amount each month ?

 

Now this cabot has given me a default notice even though i have never missed a payment since going to court with sainsburys ..

what can i do to stop this company ruining my hard work repairing my credit rating :(

 

Please help

Edited by dx100uk
spacing
Link to post
Share on other sites
  • Replies 79
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

The judgment is over 6 years old...so they would struggle to execute anyway...current or previous address.

If you get any further problems from the parking company post it up in the motoring section and we will help you get rid of them.

Don't let them grind you down 007, keep fighting them, NEVER GIVE UP.

Posted Images

Hello and Welcome, 007,

 

I've moved this thread to a more relevant Forum.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

This is not my first post here either .I have been a member since 2006 .i browse regular ,My posts have disapeared ???

 

Steve

Link to post
Share on other sites
This is not my first post here either .I have been a member since 2006 .i browse regular ,My posts have disapeared ???

 

Steve

 

Hi we have had a few issues with posts vanishing. bear with us

 

I'm no legal expert but what I do know is that if a debt is subject to a CCJ, either the old or the new owner should be contacting the courts to let them know. If that hasn't been done, you have no obligation to pay Cabot anything. I would write back and tell them that.

 

Once a CCJ is applied to your credit file no default should be added. If they have sent a default notice but not actually filed a default, that should also be included.

 

I bet Sainsbugs have conveniently forgotten to tell Cabot that this debt is subject to a CCJ

  • Confused 1

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

The CCJ order is paramount, unless the OC has sought leave of the court the payment schedule CANNOT be changed,

do so so without leave is contempt of court.

 

The court judgement will say '' That it is ORDERED that'' AAA pays £xxx per xxx.

That is set then in law.

Edited by dx100uk
merge
  • Confused 1

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:

Link to post
Share on other sites

The muffins are probably unaware that the a/c is subject to a CCJ. :lol:

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Let em spout off then report it to the manager of the issuing court, nice fines for contempt.

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:

Link to post
Share on other sites
Hi we have had a few issues with posts vanishing. bear with us

 

I'm no legal expert but what I do know is that if a debt is subject to a CCJ, either the old or the new owner should be contacting the courts to let them know. If that hasn't been done, you have no obligation to pay Cabot anything. I would write back and tell them that.

 

Once a CCJ is applied to your credit file no default should be added. If they have sent a default notice but not actually filed a default, that should also be included.

 

I bet Sainsbugs have conveniently forgotten to tell Cabot that this debt is subject to a CCJ

 

They have put a default on my credit report this month ?

Link to post
Share on other sites
The CCJ order is paramount, unless the OC has sought leave of the court the payment schedule CANNOT be changed,

do so so without leave is contempt of court.

 

Contempt on their behalf? How can i report them for this ?

Link to post
Share on other sites

Again the CCJ is paramount and supercedes all other matters, including defaults,

It's a shame to let them off but I believe you must inform them of the 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:

Link to post
Share on other sites

How old is this CCJ, is it still on your credit file?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

On my credit file instead of sainsburys bank loan it now states loan from cabot financial uk ltd ?

I have never borrowed from this company

 

The CCJ was made in 2008 and is on my report as such

Edited by dx100uk
merge
Link to post
Share on other sites

A default must be registered by the original creditor before it can be updated by the DCA. Cabot cannot register it themselves.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

It is a question that needs to be addressed that The OC has passed on a debt that is subject to a CCJ knowingly,

also there needs to be proof that Cabot was or was not informed of the status of the debt, if they were informed then

they are complicit to the contempt.

The first stage you need to go through is a Formal Complaint to the OC sent recorded this should be addressed to the compliance manager,

you may state a time limit for reply I suggest 14 days.

As you have not defaulted on the court order I would challenge the CRA holding the data, if a CCJ is on the file the default should not be.

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:

Link to post
Share on other sites

OC = Original creditor.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

you could see exactly what cabot know about this a/c by sending them this http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt if they respond and mention the CCJ you can then go directly to the ICO and make a complaint because they are processing data incorrectly.

  • Confused 1

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

THanks Cerbs I ve Lamb sounding desperate any help appreciated.

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:

Link to post
Share on other sites

I am sorry but i do not understand what an ICO is also

What should i do first then ?

Send a recorded letter to sainsbury's bank .

What about a letter to the manager of the courts?

Any advise is truelly appreciated

Link to post
Share on other sites

The ICO is the Data COMMISSIONERS OFFICE it regulates an enforces the DATA PROTECTION ACT,

the misuse of personal data is a serious matter the reporting of matters to credit reference agencies is covered by this.

RD to Sainsbury first, copy to Cabot, and to the court from my experience of similar cases, belt and braces is always best.

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:

Link to post
Share on other sites

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

The basic fact is the courts order for payment cannot be varied without the leave of a JUDGE.

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:

Link to post
Share on other sites

''DO I FIND YOU IN CONTEMPT CERBS:?::madgrin::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:

Link to post
Share on other sites

As I said it's highly likely they are not aware of the CCJ, this could be for several reasons but at the end of the day it is their responsibilty to process the correct data. By not doing so they are liable to both a fine and sanctions from the ICO and a financial claim from yourself for libel.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Just kidding,advice as good as ever,I just see things from ''the other side'' to much perhaps:!:

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:

Link to post
Share on other sites
  • dx100uk changed the title to Sainsbury loan CCJ - sold to Cabot
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...