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    • Sorry, I may have forgot to get back on this. Please monitor for a reply tomorrow
    • Yes, now its just about getting the WS / Court bundle finalised to send to the court / Evri. I've attached the most recent version of the WS / Court bundle to save having to scroll back up to the previous post (#204) where it was also shared. If you, @BankFodder or anyone else has any feedback on this, i'd be grateful for your thoughts. In my previous post #204, i'd also attached an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at Her mes - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender [origin] and the recipient [destination] - I have redacted personal details in the attached invoice.  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (the sender / recipient) is involved in this transaction. I have also attached this redacted invoice in this post to save having to scroll back up. Happy to get any thoughts and if this invoice is no good, then please let me know.   Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • Does anyone know if I would be allowed to record conversations with health professionals for my own use on my phone without them knowing. I know that we are allowed to record phone calls. I do record some of my phone calls for my own use due to my disability and if anything is said then I am covered. I would only record audio in private area's of myself and the professional dealing with me. I know I could not get and other persons audio in it and I don't intend to. my only other option is to buy a body cam but I am not sure the rules regarding this.I never thought i would have to but things are getting worse Thanks for any guidance 
    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
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Cabot/mortimer claimform - +15 yr old HSBC Credit Card 'debt' - ** CLAIM DISCONTINUED **


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PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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ps are you the original starterof thisthread and changed your username

 

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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they know very well what they have to provide inreply to your s78 request, its a statutory requirement

PLEASE HELP US TO KEEP THIS SITE RUNNING

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ignore

 

 

until/unless you get a claimformlink3.gif now

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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  • 3 weeks later...

will move to financial legal issues

 

please read and fill out as far as possible

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thank you very much

 

Claimant Cabot Financial

 

Date of issue 17th of April

Particulars of claim

 

By Agreement between HSBC bank PLC and the defendant on or around 18/10/1996 ( the agreement)

HSBC agreed to issue the defendant with a credit card

upon the terms and conditions set out therein

In Breach of the agreement the defendant failed to make the minimum payments due

and the agreement was terminated.

The agreement was assisgned to the claimant .

 

 

THE CLAIMANT THEREFORE CLAIMS £768.02

I Received a notice of assignment

 

I rececived two 6 monthly statements.

 

why did I stop paying? The bank account of HSBC that was taking the payments , closed

and after the advice I was told I was royally cash cowed!

orginal agreement was 1996

although I would dispute this as if I did have the card the current account was opened in 1995

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Thank you very much

 

 

Claimant

Cabot Financial

 

 

Date of issue 17th of April

 

 

Particulars of claim

By Agreement between HSBC bank PLC and the defendant on or around 18/10/1996 ( the agreement) HSBC agreed to issue the defendant with a credit card upon the terms and conditions set out therein In Breach of the agreement the defendant failed to make the minimum payments due and the agreement was terminated. The agreement was assisgned to the claimant . THE CLAIMANT THEREFORE CLAIMS £768.02

 

 

 

Agreement in 1996 with HSBC?????????????// more like Midland Bank?????

:mad2::-x:jaw::sad:
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can you complete the remainder of the questions please to give us the full picture

PLEASE HELP US TO KEEP THIS SITE RUNNING

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your first job is to register on mcol acknowledge and tick defend all

 

what have cabot provided as a reply to you,r cca request?

 

as said ,register on mcol, acknowledge service, tick defend all, note the date your defence is due

 

get your cpr31.14 request to the claimants solicitors

 

when did you send your cca request to cabot, and what did they reply with?

PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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you were advised on March 14th to send a cca request under s78 to Cabot

 

did you send it?, if not get one sent to Cabot along with your CPR31.14 request to Mortimer Clark TODAY

 

they will be unable to enforce without complying to your s78 request but you must follow the correct proceedures

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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post up the defence you filed please

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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Share on other sites

so you've not yet filed a defence then?

other than defend all on MCOL website?

 

 

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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Share on other sites

what about the cca request to cabot sent that yet?

 

 

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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Share on other sites

no that's ok

unless it was months ago?

 

 

ideally within 6mts of any court action

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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Share on other sites

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