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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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mrcooper

Cabot/Weigtmans Claim Form- Lloyd's loan 'debt'***Claim Discontinued***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1583 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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1000's of speculative claims issued every week

 

 

hoping for a non contested default judgement


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" have spoken to Weightmans who have confirmed that they received notification from their client on 31st March to go proceed with court action"

 

Doesn't mean they have advised the court to proceed...that's just for your benefit...mind games do not copy that letter to them.

 

Andy


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Quick update

 

- the court have advised me that they have received Cabot/Weightmans intention to proceed

and that a N181 form is on its way to me vai snail mail.

 

They were kind enough to email me through the form though so that I could have a look at what is required for the next step.

 

I can do the form but have a question about the Draft Disclosure list.

 

..do I list everything that I want to see from them as per CCA/CPr31.14 requests already sent to them (still no compliance)

or is that done later in the process?

 

trying to help myself as much as possible and have been reading other threads and saw your advice to others about this stage..

 

 

I have had a look at the post on http://www.consumeractiongroup.co.uk...received/page4 as you suggested for the others,

 

 

my question is probably a little stupid but

 

 

in the example posted Point 3 is By ? on ? etc.

 

 

Who should I put me or Cabot and in which order please?

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No they are for dates to be inserted by....but the court will set them.The example provided is the DJ directions gathered from the parties submitted directions and only an example for you to consider when preparing your directions.


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OK..Thanks

 

When I have put something together would it be alright to post it up for someone to have a look at?

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Hi andyorch

 

1st attempt below - edited from one of yours I think:

 

Inthe Northampton County Court

Claim number xxxxxxxx

 

 

Between

Cabot Financial - Claimant

 

and

 

xxxxxxxxxx - Defendant

 

Draft Order for Directions

 

 

The Claimant must clarify the case set out in thedocuments sent to court so far. That party must deliver to the defendant andthe court office by 4pm on …….

Written details and copies of:

(1) The original credit or other agreementbetween the defendant and Lloyds TSB which complies with the Consumer CreditAct 1974 and all subsequent regulations, which the claimant seeks to rely upon.

(2) The default notice compliantwith s87 (1) Consumer Credit Act 1974 and Consumer Credit (Enforcement, Defaultand Termination Notices) Regulations 1983 (SI 1983/1561) as amended.

(3) A full statement of account settingout how the debt is calculated.

(4) Document,contract or deed of assignment with proof of service of the same compliant withs196 of the Law of Property Act 1925.

(5) Copiesof any statement or other document relied upon.

(6) The original documentsmust be brought to the hearing.

If the Claimant fails to comply with this order, the claim will be struck outwithout further order with costs in the case.

 

The Defendant shall thereafter file and serve the following:

 

(7) An amended defence sufficiently particularised in response to the documentssupplied by the claimant.

Not sure whether (6) is worth adding? I am still waiting for Lloyds to send SAR documents. Also, something wierd going on with my Experian credit history too, amounts go from £15k down to £0 for 2 months last year then go up again to £12k ,£3k less, not sure whats going on there at all!

 

Another question, is it worth another letter to Cabot reiterating that surely they should be able to comply with my CCA request now that they have initiated court proceedings?

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Directions as in the sense of how the claim will proceed up to trail...not really disclosure ...the court directs disclosure.


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Have received Proposed Directions from Weightmans asking me to agree to Small Claims track ( for 12k!!!) & also to a 3 month stay !

 

Don,t think so from all I,ve been reading....why would I want to give another 3 months when they have already had since February!

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Wouldn't you rather it be SCT?

 

It just seems weird to me that they have chosen to instigate possible court proceedings for an amount which

,if you follow the rules, should be automatically assigned to Fast track,

which is evident in my receipt of the N181, because they have the documentation to back it up..and they want a further 3 months on top .

 

 

They are asking for a court date near to Xmas.

.if they have something why have they not produced it after telling me in writing that the debt is unenforceable

and then still going ahead?..

 

 

I am happy to fight this as I am in the unenviable position of having absolutely nothing to lose with a partner backing me to the hilt..

 

 

...I understand that SCT is a less risky option with regards to costs but if they have nothing enforceable will they really risk me getting a judge who is knowledgable on CCA ?

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OK...so I know I am relying on them to have some sort of common sense about what they can produce but would appreciate any advice on whether to accept/ or not the change of track and whether I should just stick to my guns and get them to full disclosure stage ( in receipt of an SAR acknowledgement request fulfilment from O C on the 8th May which should be really interesting!) for all sorts of reasons

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they ask for a 3 mth stay, guessing maybe cause they havent yet had any info back from the original creditor re yr cca request? have they responded to that at all further from their template letter; looking for it, no enforcement until?


IMO

:-):rant:

 

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Have received a Notice of Discontinuance:-) Is there anything else that I need to do other than check that the Court has received the same?

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No..... that concludes this little matter MrCooper.

 

Well done...... thread title amended to reflect the outcome.

 

Regards

 

Andy


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:)

IMO

:-):rant:

 

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hey 10/10 for holding your nerve

 

 

dx


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A quick question - I have sent a Debt in Dispute letter to Cabots and asked them the stop updating my CRF.... is this the correct thing to do or will they still keep adding default markers until it falls off of my history?

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No not correct...we didnt advise that mrcooper...the debt still exists as does the default marker...just because a claim is discontinued....does not eradicate the debt or the need to update CRA,s.

 

Andy


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so what is the defaulted date from the debt summary up top?

 

 

dx


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so 18mts and it vanishes from the credit file


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Yes.. there haven't been any markers on it for over 3 years until Cabot got bought it (which seemed strange as it kept getting passed around)

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doesn't matter what they do cant harm it anymore

 

 

as long as the defaulted date does not get changed from that twitch was placed by the OC before sale.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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