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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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Claimform from Cabot for jacamo catalogue 'debt'


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had a letter today out of the blue

 

about a claimform for a ccj

 

i have had letters from cabot before but kind of ignored them which was silly.

 

What do i do now i have filled out the bits needed

 

In order for us to help you we require the following information:-

 

cabot financial (uk) limited

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

20th of june 2014

 

What is the claim for – the reason they have issued the claim?

 

the claimant claims payment of the overdue balance due from the defendants(s) under a contract between the defendent(s) and jacamo.

dated on or about 29/01/2009 and assigned to the claimant on the 26/06/2012 in the sum of 337.44

 

particulars a/c no- my account number

 

then it just says the date default balance and post refel cr nil

 

What is the value of the claim?

 

there is no mention on any interest in the perticluars

 

Is the claim for a current or credit/loan account or mobile phone account?

 

online catalogue

 

When did you enter into the original agreement before or after 2007?

 

after 2007

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

 

assigned to cabot by the looks of the letter

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

no

 

Did you receive a Default Notice from the original creditor?

 

cant remeber dont think so

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

 

no i have never recieved any thing from anyone about defaults

 

Why did you cease payments:-

 

i came into finacial difficulties when i split from my wife i did think i had paid it up back in 2009 but cant be 100% sure

 

Was there a dispute with the original creditor that remains unresolved?

 

no

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementlink3.gif plan?

 

no

 

can anyone advise me further on what to do

 

i have seen there is a letter to send

 

but the are for loans and current accounts

 

and wasnt sure what to send as this is a catlogue.

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Hi trueblue924

 

Yes you can still request information using the CPR 31.14 and the CCA...get them posted today and then refer to your time lime ..Acknowledge the claim first.

 

Regards

 

Andy

We could do with some help from you.

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what would that give me and where do i go from there

 

do i send the loans letter

 

sorry spent a bit more time reading and understand these forms are to get the original copies of the forms

and default notice and cca,

 

am i right in thinking i can do this online and also acknoldge the fact i have got the forms,

 

then i have 14 days to put in my defence

 

if they do not return the cpr and cca before the 14 days

 

or do i get more time to make my defence.

Edited by trueblue924
done some more reading and got a bit more of an idea but not much lol
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Makes no odds whether the respond or not (and probably wont) you must follow the time line if defending.Yes you can do it on line once you have registered to use the MCOL service...just acknowledge the claim for now and give thought to how you wish to proceed.

We could do with some help from you.

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right i have acknoledged it online and

 

am going to send the forms

 

what can i used as my defence as i can not confirm that i made any payments

or how much they were for five years ago.

 

if they do not return the information i send off

 

what can i do from there

 

as i dont have proof of anything to use for my defence

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Ever requested a CCA? Cabot rarely hold paperwork for debts. Could the amount be made of charges too? Cabot seems to think they can do what lowell are doing and issue court claims as a debt collection procedure instead of a last resort.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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no i have not requested a cca or a cpr

 

do i send the cpr template letter for a loan with it being a catalogue

 

or do i send a different one.

 

if they do not have the documents

 

can i put in a defence to say they can not provide documentation that i requested.

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You need to edit the CPR 31.14 to suit the particulars that they have referred to in the claim.The CCA goes as it is.

 

No your defence will not be just based on what they can and cant provide there as to be an underlying reason...dispute ...unfair charges..etc.

We could do with some help from you.

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  • 3 weeks later...

hi guys i have had no update from cabot, when do i have to place my defence and i cant prove that i made payment so how am i best to make my defnece does the fact i have had no statements from jacamo at any point act as proof or is it in my benefit.

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Tuesday the 22nd July is your deadline for defence.

We could do with some help from you.

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You wont hear anything before your defence so start to look at other similar threads and defences in preparation.

 

Regards

 

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

 

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  • 2 weeks later...

They have 28 days to respond/proceed and then the claim will be allocated and transferred to your local county court...if they fail to respond the claim will be stayed.

We could do with some help from you.

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  • 4 weeks later...

hi just an update

 

 

i submitted my defence on the 22/07/14 and

 

 

received a letter from them to see they want proof of any payments i had made before the 19th of august

otherwise they would defend my reason but

 

 

so far i have heard nothing

 

 

what happens next

 

 

i went on mcol and there was no updates on it so

 

 

what happens now

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the claim is stayed

 

 

dx

  • Confused 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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post 14

 

 

type in stayed in the grey top toolbar search box

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i have had a search but dont quite get it

 

 

dont know if its just me being an idiot or what,

 

 

i take it stayed means there is a hold on the procedings that they can at any point in the future decide to continue on

with the proceddings or does it mean something else,

 

 

surely if they have not done anything against my defence that is them giving up

and they can no longer take action and if was stayed would it not say that on mcol

 

 

sorry for being a bit of an idiot but i just cant seem to get my head round and

 

 

i cant find any post like mine to help me get my head round it

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i have had a search but dont quite get it

 

 

dont know if its just me being an idiot or what,

 

 

i take it stayed means there is a hold on the procedings that they can at any point in the future decide to continue on

with the proceddings or does it mean something else,

 

 

surely if they have not done anything against my defence that is them giving up

and they can no longer take action and if was stayed would it not say that on mcol

 

 

sorry for being a bit of an idiot but i just cant seem to get my head round and

 

 

i cant find any post like mine to help me get my head round it

Your claim is on hold or "stayed" until the Claimant chooses to ask/apply to the Court to continue.

 

It could be stayed forever or a few weeks. No way to know I'm afraid.

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MCOL does not show if a claim is stayed...its explained in CCBC acknowledgement of your defence what happens if they don't respond to your defence within 28 days.

 

Andy

We could do with some help from you.

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