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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Caboot / barclaycard **WON - Default removed**


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I have a Barclaycard which has been assigned to Caboot in April 2014.

 

 

Caboot then promptly registered a default against me.

 

 

I'm pretty sure that it was defaulted a few years before but there is no evidence of this on my credit report.

 

I have asked Caboot for a CCA which they were not able to get but they are still pursuing me.

 

I am going to do a SAR to Barclaycard

 

 

but would I have to ask specifically for the original default?

 

 

I have a feeling that they will just send me the statements and nothing else.

 

Should I just use the SAR template and request the CCA and Default notice?

 

 

Reason I ask is that I understand that they are under no obligation to include all documentation for a SAR request

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No The SAR Request wiull give you EVERYTHING they hold on you.

What did Cabot send to you when they couldnt comply with your CCA request

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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hope you are not paying them then?

 

 

you wont get a DN out of an SAR

all they have to do is prove one was sent.

 

 

BC would have defaulted this before the sale

 

 

so I doubt cabot have defaulted you

only updated the existing line.

 

 

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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hope you are not paying them then?

 

 

you wont get a DN out of an SAR

all they have to do is prove one was sent.

 

 

BC would have defaulted this before the sale

 

 

so I doubt cabot have defaulted you

only updated the existing line.

 

 

dx

 

according to my credit report the default date is definitely April and has been registered by Cabot.

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they cant

only the OC can default a debt

so a date appears in the summary line

a debt buyer cannot change that date

 

credit reports don't tell you who defaulted a debt.

 

history of the card please.

when taken out

when was it sold

 

 

etc etc

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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just read your 1st post again to try and get a diff angle

 

I think you maybe mis understanding what happens when a debt is sold to a debt buyer.

the original creditor [OC] will always default a debt when they sell it on

 

when its purchased, the debt buyers name replaces that oc the OC

so

I think that's why you are seeing what you are.

 

unless.

this debt was defaulted MORE than 6yrs ago and has since dropped off your credit file

and you can prove it.

 

and now its back under cabots name?

 

if this is the case you need the default date from the BC sar.

or past copy of CRA file

 

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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Hi Doing,

 

Do you have old statements for the a/c. If so, you need to check for PPI or for any penalty charges that were added to the a/c.

 

If not, get them with a SAR enclosing the £10 fee.

 

Reclaiming PPI and/or penalty charges can help reduce the a/c balance.

 

If you haven't sent Cabot a formal CCA request with the £1 fee, do so now.

 

When did the a/c fall into arrears approx.

 

:-)

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Many thanks for your replies.

 

 

I see what you mean Dx.

 

 

The account was defaulted according to the CRA just before it was sold.

 

 

Also, there is no previous records before the debt was sold this year according to the CRA.

 

 

I might be wrong but I believe I was defaulted previously but I will have to wait to see what the SAR throws up.

 

Account opened in 1997,

 

 

I fell behind about 6 years ago and started making token payments.

 

I will attach the letter that Cabot sent me when I questioned the default.

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I bet it was defaulted years ago then

 

 

1997, take out and your indication of issues 6yrs ago almost guarantees it.

 

 

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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ok lets see

 

 

a debt buyer cannot default a debt

 

 

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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ok lets see

 

 

a debt buyer cannot default a debt

 

 

dx

 

That's interesting, we'll see what the SAR shows. I've no default paperwork from either BC or Cabot. On the BC section the date settled is 10/3/2014, In the Cabot section it shows Default on 10/3/2014.Is that normal then that BC would settle and then default an account on the same day?

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  • 3 weeks later...

Hi all, I recieved the paperwork which consists of statements and the application forms (Barclaycard and Mastercard) which obviously have my signature on it but there are no prescribed terms etc. There are no default notices from either the DCA or B/C and no letter of assignment. Am I correct in believing that although the debt is owed it cannot be legally chased?

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it can

 

 

just that any judgement cannot be enforced.

if its un-en

.....

 

 

you wont see default notices

just ref to in the account logs.

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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  • 7 months later...

Howdy all. Can anybody help me with the following questions please?

 

If there is no credit agreement how can I default on it?

 

B/C obviously never defaulted me but as soon as the account was assigned to Cabot they defaulted me the same day and are yet to produce the CCA.

 

They have not written to me since the request but I was wondering whether I should complain to them about the default and ask them to remove it.

 

What do you think?

Edited by slick132
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bc would have defaulted the loan on the date they sold it

 

having no enforceable CCa

 

is sadly no reason to having a default removed.

 

 

sorry

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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Hi DMB,

 

Spacing added for you. :wink:

 

They haven't provided a signed credit agreement but they have provided a signed application form. The existence, or not, of the credit agreement or debt can only be decided by a court.

 

Have you made any formal complaint to Cabot and the CRA's about the incorrect default date.

 

What's the month and year of the default date.

 

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Hi DMB,

 

Spacing added for you. :wink:

 

They haven't provided a signed credit agreement but they have provided a signed application form. The existence, or not, of the credit agreement or debt can only be decided by a court.

 

Have you made any formal complaint to Cabot and the CRA's about the incorrect default date.

 

What's the month and year of the default date.

 

:-)

 

Default date was March 2014. I was paying token payments of £1 per month until then.

I have not complained at all. I just requested the CCA.

 

ps thanks for the spacing

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Do you know when you first defaulted, ie failed to make the normal monthly pay'ts required.

 

BC should have issued a DN within a reasonable period after that failure, maybe 3 to 6 months maximum.

 

While you were making the token payments, were BC adding interest and penalty charges.

 

:-)

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Hi sorry for not replying sooner.

My last payment to them was July 2006.

Token payments show for January to March 2007 and then zero balance until my sar October 2014.. They stopped adding interest and charges April 2007

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The debt is now Statute Barred and they cannot take collection action, or seek a CCJ.

 

You need to write to Cabot and to BC complaining that :-

 

1. The default date showing on CRA files is incorrect due to BC's failure to issue a Default Notice in a timely manner.

 

2. This may cause you damage for which you can seek compensation.

 

3. If they fail to amend the default date within 14 days, you will complain to the ICO and take action seeking compensation.

 

:-)

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Did the SAR response disclose data about penalty charges added to the a/c.

 

Or do you have this data yourself, in the form of old statements.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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