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Restons Cabot - Lloyds Gold Current Account Overdraft Claimform HELP


mukha
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Hi,

 

 

I am hoping someone can advise me

 

 

can I defend or challenge County Court Claim N1CPC issued by Restons Solicitors

on behalf of Cabot Finance on 10th November 2014.

 

 

The claim is for £10k overdraft on a gold current account that was originally held with Lloyds TSB.

 

 

I am in this mess because I was made redundant from my Job,

diagnosed with depression and unable to work for two years.

 

At the time I opened my account in 1995 I had an overdraft facility of a few hundred pounds (£200).

The facility was supposed to be reviewed every two/three months but never was.

I was also obliged to take out CPP card protection.

 

The Particulars of the claim are as follows:

 

1. The Claimant claims payment of the overdue balance due from the Defendant(s)

under a contract between the Defendant(s) and Lloyds Bank

– Current Account dated on or about Oct 12 1995 and

 

 

2. assigned to the claimant on Jun 17 2014

 

 

in the sum of £9918.09

 

Also what are my other options?

 

 

Do I offer a payment plan and

 

 

how can I do this without having a CCJ entered against me?

Please help.

Edited by mukha
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Correct mukha but make sure you use the correct 31.14

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387483-LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account

 

PS welcome to CAG:wink:

 

Regards

 

Andy

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hows this going?

 

 

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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Acknowledgement of service first as per the link provided in post #2 above which explains all

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 2 weeks later...

Hi All,

 

I have received a reply from Restons regarding my CPR request.

 

 

Their letter is asking me to provide a signature to my request so they know they are dealing with the correct person.

 

 

They say failing to do so they will not provide a response or acknowledge receipt.

 

Do I have to provide my signature?

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that's restons for you

 

 

they'll do anything to frustrate a defendant.

 

 

prob wont comply even if you do sign it.

 

 

cant see how they can ever check the sig is genuine anyway!!

 

 

theres no agreement already signed to compare against!

 

 

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

just sign it with anything you like

its immaterial, they cant compare it against anything anyway

 

 

they wont comply with the 31:14 anyway they never do

just go read a few reston threads here.

 

 

your def will stll be the same

no paperwork/holding.

 

 

just don't miss your date no matter what rubbish tricks restons pull.

 

 

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

Friday 12th 4pm is your deadline

 

 

go read a few reston thread in the forum you are in

 

 

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

Hi all, in a panic.

 

 

The issued date on the claim is actually 11th November 2014.

 

 

Do I have 28 days plus 5days to enter defence or is 28 days??

 

 

Is that working days ??

 

 

Is tomorrow the 9th the last day to enter my defence?

 

 

Also can you help me with my defence as Restons are stalling with my cpr request which I signed and resent.

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Friday the 12th by 4.00pm is your defence date.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi all, in a panic.

 

 

The issued date on the claim is actually 11th November 2014.

 

 

Do I have 28 days plus 5days to enter defence or is 28 days??

 

 

Is that working days ??

 

 

Is tomorrow the 9th the last day to enter my defence?

 

 

Also can you help me with my defence as Restons are stalling with my cpr request which I signed and resent.

 

 

go read some reston threads.

 

 

use the search on the right of the top grey toolbar.

 

 

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

Hi All, thanks your replies .

 

 

I got till friday which is a bit of relief.

 

 

I have read through a number of restons threads which relate to credit cards and loans.

 

 

I did come across a thread regarding a current account which was statute barred.

 

Sorry to ask but can anyone send me a link which deals with no paperwork/ holding defence with regards to current accounts and overdrafts.

 

 

I've been through a few embarrassed defence threads which again deal mostly with credit cards.

 

 

Thanks your help is greatly appreciated.

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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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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pdf shows per details

 

 

it is not an embarrassed defence..its a holding defence.

 

 

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 All, I received letter from Restons today. see attachment please advise. Also I emailed my embarrassed holding defence today.

 

 

if you go read other reston threads

you'll see that is their std response

 

 

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

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