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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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Cabot/mortimer claimform - +15 yr old HSBC Credit Card 'debt' - ** CLAIM DISCONTINUED **


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hi everyone i need help,

 

i defaulted on my HSBC credit card over 6 years ago , and since then ive been paying them £X a month. Never missed a payment

 

Went to check my credit file and now they have changed the date of the default to 2004 not 2001.

 

can they default me twice within the same period ?

 

My six years of being "blacklisted " was over , only for it to start all over again!

 

HELP PLEASE

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well ive been paying payments on all 3 HSBC's i fought hard not to get a CCJ , perhaps I should have got a CCJ may have been easier

 

IS IT LEGAL , sorry everyone am at my wits end, the 6 year black hole is up and then it gets extended.

 

the CA, said they could be a reason , the data comissioner says it probs is ilegal .

 

I was made homeless beacuse of my debts and never gave them a forwarding address, as that was a condition of me living with my parents again , ( didnt want bailliffs round)

 

however every 3 months I would ring them and keep in contact , I have never missed a payment in 6years since then. HSBC know this and were happy

 

ADVICE please

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  • 6 years later...

Hello everyone

 

I have an old HSBC credit card from 1999 which I have been paying of at £10 a month

I have never been contacted for additional payments or threatening letters. Over the years I have paid the money and got on with my life

 

The debt never went to CCJ and from 2005 the debt went from my file..

 

In 2013 the payments came back bounced as the HSBC account was closed , ( their collection account)

I was never contacted to set up new details so I just left it.

 

This week I have been given a letter saying Cabot have bought the debt from HSBC , it stayed with them for 15 years

 

What is the best way to play this?

My main concern is playing payment information on my credit file..

 

Can I pay the debt off in full , probably can?

It wont be statue barred , last payment was 7 months ago, will Cabot know this?

 

Any advice?

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Well I think they may have , if HSBC never contacted me or passed on to a DCA , they just sold the debt to cabot

 

I just think to be punished again if anything went on my file would mean 21 years before it dropped off my file...

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about time you send hsbc an sar me thinks

 

what was the debt back in 2007?

 

and what is it now

 

they should have been sending you statements {NOSIA} better that 6mts too

if the consider it in arrears.

 

dx

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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Don't know how much I owed or did owe.

don't know how much I owed I think it was 1900

 

 

,when it was first defaulted but I do need statements. I have paid £1320

 

Question is ,

would £10 a month really keep them happy ?

 

would asking for a SAR delay anything?

 

With the debt been relatively new , they would want to take the chance and go for a CCJ?

 

I cant use the statued barred as I have been paying for the last 15 years

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Don't know how much I owed or did owe. don't know how much I owed I think it was 1900 ,when it was first defaulted but I do need statements. I have paid £1320

Question is , would £10 a month really keep them happy ?

would asking for a SAR delay anything?

With the debt been relatively new , they would want to take the chance and go for a CCJ?

I cant use the statued barred as I have been paying for the last 15 years

It springs to mind that either Cabot has substituted the original default date for the date it acquired the debt or the bank did not default the account until just prior to sale.

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 correct default date was 2001. making 2007 the correct date for it be wiped.

 

about 2 months before it was due to be wiped it flagged up on Equifax as a default date of 2004 pushing it back to 2011

 

ahh so what your saying is HSBC sold the account in 2004 , not recently as I think happened?

 

Question is

 

is a SAR ect CCA request going to achieve anything ,

will I have to pay in the end ?

 

 

Is it better to wait for a settlement figure which always happens and settle?

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the correct default date was 2001. making 2007 the correct date for it be wiped.

 

 

about 2 months before it was due to be wiped it flagged up on Equifax as a default date of 2004 pushing it back to 2011

 

 

ahh so what your saying is HSBC sold the account in 2004 , not recently as I think happened?

 

 

Yes this happens a lot, debt sold in a large portfolio and lies dormant on the debt purchasers books.

 

 

Has the account shown on your credit files with the 2001 default date? Was this then removed in 2007.

 

 

Is Cabot now shown as the owner on the new entry?

 

 

A formal complaint to the data controller at Cabot is the next move.

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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it was HSBC showing on the both defaults

 

 

nothing now on my credit file , no transfer of ownership was ever shown on my file

 

 

So your credit file is clear no debt registered by Cabot or HSBC?

Meaning that this dead and buried since 2011?

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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yes that's right .

I have been making payments till dec 2013 when their bank details changed and their account closed.

 

 

So where do I stand legally in enforcement?

 

 

Well the debt is not statue barred but if it is not on the CRA files it's not causing any problems so you could cease payment completely.

 

 

If anything comes up again (which after so long is doubtful) come back to us.

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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  • 7 months later...

hello , just an update..

 

 

Cabot are now threating legal action with a CCJ

 

 

can I put in a defence , see what happens , of if I issue a defence and lose I am automatically issued the ccj without the opportunity of payment

 

will they be aware its not statued barred?

 

 

or do I dispute the debt now , before it gets to that stage?

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bet the letter doesn't say WILL anywhere read it carefully

 

 

they should not goto court without a signed cca

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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have you sent cabot a cca request?

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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