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CCJ from Cabot/restons lloyds credit card 'debt' - I knew nothing about


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Try again tomorrow...you may get someone with sense...state the claim number and the date of judgment and request a copy of the claim this pertains to.

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They said they would post everything today so hopefully il get it in the tomorrow afternoon

 

Just another quick question what would have happen if I didn't get the judgement letter ?? And still knew nothing about it

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Eventually they would try to execute the judgment if no payment made....

 

Charging Order on property....Third party debt Order...Attachment of Earnings....Bailiffs or even Bankruptcy

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Quick update

 

The court says I need a personal hearing cost £155

 

They also say they can't send me a copy of the original paperwork but are sending me the case notes

 

I have recived the n244

 

I have also found out cabots brought the debt from lloyds tsb

Should I give my new address to the solicitors

Should I send a CCR ? To cabots or lloyds ?

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Particulars of claim

 

The claimant claims payment of the overdue balance due from the defendant

under a contract between the defendant and lloyds tsb dated on or about 18/2/2004

and assigned to the claimant on 3/8/2012 in the sum of 988.61 particulars a/c num @@@@@@@

date item value 22/5/2014 default balance 988.61p

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Amount adjudged inc interest 988.61

Amount claimed 988.61

Total costs 152

Court fee 60.00

Sub total 1140.61

Solicitors cost 70.00

Paid befor jment 0

Total 1118.61

Total 1140.61

Date of issue 20/6/14

Instalment 50.00

Date of service 25/6/14

Date of judgement 18/7/14

First payment on 31/7/14

Registration date 18/7/14

Order posted 21/7/14

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  • 1 month later...

Letter received from Cabot on 12 aug saying they don't have the info and have to ask lloyds and I should have it within 40 days

Also

Letter received from Northampton saying its been transferred to my local court so I'm now waiting on a court date

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Two threads merged.

 

Please keep to this one thread for this issue.

 

Having now seen the history, you need to be aware that they don't have to comply with a CCA request as the judgement supersedes the original agreement.

 

You might be lucky and get them to comply though.

 

My comment about it being unenforceable no longer stands since a judgement has already been obtained.

 

In my view you need to concentrate on the set-aside part of things.

 

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  • 3 weeks later...
  • 2 weeks later...

Turned up saw the district judge and as Reston didn't turn up they sent a letter in saying they couldn't get anyone there in the time frame as they only got the court date a week ago the judge adjourned it

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Should of allowed it...if they cant even be bothered to attend.:!:

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Turned up saw the district judge and as Reston didn't turn up they sent a letter in saying they couldn't get anyone there in the time frame as they only got the court date a week ago the judge adjourned it

 

 

Only got the court date a week ago? Long enough surely to find someone capable of attending?

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Just looked at my credit file and i think its just got better but I don't really want to put it on here INCASE they view this is there an admin I can email

Just state what changed e.g. credit score, default removed?

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  • 1 month later...

Update

Back in court in January

 

Judge said to sort my defence out and get it in by 7 days before the date

 

Have spoke to the dca about the cca request as i have heard nothing since aug

when i recived a letter saying they needed to ask the bank as they didn't have all the paperwork

 

i have got a recording of the call and they said they don't have all the paper work and the debt is unenforcable !!!!

and they also emailed me a photo copy of a form which was unreadable

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then they'll discontinue I bet

 

 

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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can you please scan up the stuff you have had please

in PDF format.

 

 

you really need to stay off that phone!!

 

 

you need a papertrail

 

 

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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can you please scan up the stuff you have had please

in PDF format.

 

 

you really need to stay off that phone!!

 

 

you need a papertrail

 

 

dx

 

The only letters I have are the one saying they need more than 12 days and the court letters and papers

 

I only rung once and I am staying off the phone now they have admitted its not enforceable

 

So I'm going to try and include the recording in my reasons to have the ccj set aside

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might be an idea to await andyorch or one of the other more knowledgeable ones to advise.

 

 

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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