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    • No DWP is in denial, the Errol Graham case has caused much concern   https://www.disabilitynewsservice.com/errol-graham-coroner-pledges-to-press-dwp-on-safeguarding-review/   Something is amiss with the procedures, Capita and the PIP Assessments seem to go against what a claimant's doctors say quite often, as do the UC Work Capability Assessments
    • oh don't you just love fleecers out to make a buck out of people they think are just mugs..
    • Useful link, BN.   The article mentions that the National Audit Office said that the DWP isn't learning anything from its mistakes.   HB
    • 1.     The Claimant claims £9,240.52 for monies due from the Defendant.   2.     This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited.  Each agreement had an individual account number as follows: 01xxxxxxxx, 00xxxxxxx, 97xxxxxxx, 96xxxxxxx.   3.     The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated.   Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).   4.     The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant.   A new master reference number xxxxxxxxxxxxx was also applied upon assignment.   5.     The Claimant has complied with the Pre-Action Protocol for Debt Claims   DEFENCE ……………...   The Defendant contends that the particulars of claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.   1.     Paragraph 1 2 is noted and denied accepted . I have had financial dealings with The Student Loans company in the past.  I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2.     Paragraph 2 is noted and accepted.  I did take out 4 student loans with the Student Loans Company.   2.     Paragraph 3 is noted and denied.  The Defendant never agreed to make payments to the Claimant, terms of the original Student Loans Agreement have been adhered to and thus repayments of loans are not due.  The Claimant is put to strict proof that an agreement(s) to make payments was made and a breach of agreement(s) occurred.   Paragraph 3 is denied as The Defendant maintains that a default notices were never received. The Claimant is put to strict proof that default notices were issued to, and received by the Defendant    3. Paragraphs1 & 4 are denied.The annual income of the Defendant has never exceeded the published limits for deferral since graduating in XXXX. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant pursuant to the LoP Act 1925.   4.      On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant, to which both have failed to respond to,  It is therefore denied with regards to the Defendant owing any monies to the Claimant;  the Claimant has failed to provide any evidence of credit agreement/assignment/balance/breach requested by CPR 31.14, and remains in default of my section 77 CCA Request, therefore the Claimant is put to strict proof to: (a)   Show how the Defendant has entered into an agreement(s) (b)  Show how the Defendant is in breach of agreement(s) (c)   Show why the Claimant has terminated agreement(s) show the nature of breach and service of Default Notices and subsequent Notice of Sums in Arrears in accordance with the Consumer  Credit Act (d)  Show how the Claimant has reached the amount claimed for and (e)   Show how the Claimant has the legal right, either under statute or equity to issue a claim.     5. On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant,  for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77 requests and their solicitors, Drydens Limited, have refused my CPR 31.14 request.    6.     The Defendant has supplied the Claimant with a deferment letter and evidence every year that their income is below the threshold for repayments, by way of Royal Mail signed for and proof of postage has been kept. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.      7.     The Defendant has done everything required of them to qualify for deferment as per the original agreement(s) with The Student Loans company.  The Claimant has only once acknowledged a deferment letter on 16 September 2014 whereupon they granted their request to defer repayments for that year. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8.The Defendant therefore fails to see how they are in breach of any agreement(s) and deny the Claimant's claim of £9,240.52 or any other sum, or relief of any kind. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief        ……………………………...   delete the red add the blue.    
    • Is this better?   In the Bristol Civic Justice Centre   Claimant name and address xxxxxxxx xxxxxx xx xxxxxx xxxx xxxxxxxxxxx xxxxxxxxxxxxxx xxxx xxx   Defendants name and address Nissan Motor (GB) Limited, The Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, Hertfordshire, WD3 9YS.   Brief details of claim Damages   Value £225   Particulars of claim 1. The Defendant is a Data Controller within the meaning of the Data Protection Act 2018 and is responsible for the processing of data of which the Claimant is a Subject.     2. This claim is in relation to three breaches of the Data Protection Act (2018) by the Defendant. (a) Failure to comply with the statutory time limit. (b) The Defendants data disclosure was incomplete. (c) The Defendant sent the data to an address which was not the address of the      Claimant data Subject.    3. The Defendant has failed to comply with the statutory time limit and is therefore in breach of the Data Protection Act (2018). (a) On 09 January 2020, the Claimant made a request for to the Defendant for a statutory data disclosure.  The statutory timeframe for compliance was 10 February 2020.    4. The Defendants data disclosure is incomplete.  (a) The Defendant has provided data disclosure on 25 February 2020.  However, the data disclosure that has been provided by the Defendant is incomplete.    5. The Defendant sent the disclosure to an address that was not the Claimant’s. (a) The Claimant provided the Defendant with the correct address to send the Subject Access Request to on 10 January 2020 and again on 19 February 2020.      6. The Claimant has made a complaint to the Information Commissioner’s Office (ICO) asking for a statutory assessment to be carried out.  The ICO has offered a preliminary view that the Defendant has breached their statutory duty in failing to comply with the statutory time limit.    7. By virtue of the Defendant’s failure to comply with the Subject Access Request the Claimant has suffered distress.
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Steve5650

Equidebt now Cabot chasing co-op CC debt from 1996

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On 23 May 2013 I received a letter from Equidebt saying that they were closing my file

as the could not provide me with a valid CCA.

 

Today I received a letter from Cabot telling me that they had bought the debt, and what was I going to do about paying it.

 

They also enclosed a letter from the liquidators saying that Equidebt entered administration on 17/6/2013,

and that Cabot had bought the alleged debt.

 

Before I start a fight with cabot (already had dealings with them, and beaten them!),

is there any mileage in the fact Equidebt closed my account before they went bust,

and therefore before Cabot bought it?

 

Any advice gratefully received.

 

Thanks.

 

Steve

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I would send crapbot a copy of the EQ letter

saying no CCA.

 

is this debt on your CRA file?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Thanks for paragraphing my post, dx.

 

Will send off a copy of that letter.

 

Noddle and Check My File are not showing this alleged debt.

 

Thanks.

 

Steve

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prob well SB'd then.

 

you don't 'have' to enter into letter tennis

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Don't think it will be SB'd as was paying until fairly recently. Equidebt sent me a snotty letter so I made a CCA request and all they supplied was barely legible copy of an application form dated 1996.

 

After I let them know that this wasn't good enough they closed the account.

 

Thanks

 

Steve

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god

so its prob more than 6yrs defaulted and dropped off.

 

so what was the original debt then being that old?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Thanks for reply dx. It was for a CooP Bank credit card.

 

Only info I have is application form signed February 1996. Do not know when last payment was made before being passed to DCA, although I suspect it would be around late 1999/early 2000

 

Earliest record I can find of payment to DCA is mid 2007. Don't know if any payments made before that date.

 

Do you think the CooP would still have any records of the account, and would Equidebt have account details pre 2007?

 

Thanks.

 

Steve

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equidebt were as a re cabot a DCA

they never have paperwork

just assume they can fleece people

by pretending with clever words to have some sort of legal powers

 

they don't in 99/100 times

pers i'd just be ignoring them

 

phishing trip.

 

to spoof you out of money.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hi

After a 5 year battle Equidebt sent me a letter in March about a Co op debt, they could not enforce, case closed and l would not hear from then again.

Just got the Crapbot letter today, will send them a missive about the account being closed. Not doing it all over again.

Cups

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Hi

Sent my letter today, along with the Equidebt letter and email saying they cannot comply, case closed, will not be sold on.

Crapbot can go and whistle!!!

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Looking for a little advice, please. Quick calendar of events -

21/3/2013 request CCA from Equidebt after being hassled to increase payment.

8/5/2013 non compliant Application Form received.

12/5/2013 send letter saying provide compliant CCA or close account.

23/5/2013 letter received from Equidebt saying they have investigated the matter and have closed the file, and will receive no further correspondence from them.

5/8/2013 letter from Cabot saying they have bought the alleged debt and inviting me to contact them to make arrangements to pay (in their dreams!). Ignored that and three subsequent letters, but now they have uprated their threatograms. Wondering if they can re-open a closed file, and do I need to respond to their letters, given that they are acting more aggressively now. Thanks.

 

Steve

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cca them too

 

or send the letter from eq saying they dropped the lemon debt due to no cca

 

it this on your cra file?

 

what is the story of the debt please?

 

dx

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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three threads merged

 

please keep to one thread per debt.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Oops, sorry dx, forgot I'd posted previously.

 

Alleged debt details are as in merged thread.

 

Still nothing showing on CRA files.

 

Will copy the Equidebt letter to them and see what happens, athough I can"t see them giving up that easily.

 

Cups, have you heard anything from Crapbot yet?

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if there has now or ever been a 6yrs period whereby you neither paid on the debt or signed a letter saying this is my debt

 

quite honestly i'd send the statue barred letter to them


please don't hit Quote...just type we know what we said earlier..

 

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Hi

I actually got a letter from Crapbot the other day saying they had closed the file. I sent them 3 months ago my letter from Equidebt and told them they had bought a closed account, end of story.

They will take their time to reply l am sure, but once you have told them l would leave them to it.

Cups

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