Court papers received-Cabot/shoo smiths/vanquis

[Not that clever]

The paticulars you wrote first appear in the same order as the do on my claim form.

 

The second lot you kindly typed up for me are in a different order, does this matter?

 

Or have you done this in order to help my defence be better read by the claimant?

 

Sorry for sounding awfully stupid

 

but like I said before I'm really struggling with this

 

but I do appreciate your help

 

i don't want to come across as ungrateful

 

thank you so much

[dx100uk]

hey no worries

 

 

if they have numbered their particulars

 

 

go with their numbers .

 

 

dx

[Not that clever]

Good evening

 

Just wondering if I could get some more help with this?

 

 

Today I received from Cabot terms and agreement of the credit card along with a piece of paper which is apparently my online agreement printed off their computers.

 

I also got a letter from Cabot saying they have now cookies with my request and to contact them within 14 days to make payment.

 

The letter also says that to is a reconstituted true copy of the agreement. What does this mean?

 

Application date was 10/11/2006

 

Just to add

 

I also received a statement of account just giving the total that they claim for nothing about how this total is made up as original limit on card was quite a bit lower

 

Any help gratefully received

[dx100uk]

you've filed your defence

the next move is theirs if they want to pay and continue

 

can you scan up what they have sent you please

 

redact it, put it all in a multipage word doc

then PDF that and upload

 

and read

[Not that clever]

Thanks for your reply. I will do this tomorrow as i need to get the scanner plugged in and dusted off! All I can see is lots of pages of terms and agreements and the vanquis print off of my online application with name address income etc etc.

[Not that clever]

i think ive attached these right thsankyou

Edited May 21, 2015 by dx100uk
19Mb attachment reduced to <1Mb - please read the guide

[dx100uk]

is that a date of 12/2009 I see on the T&C's???

 

 

can t be right for a card signed up for in dec 2006?/

 

 

and you details are nowhere on the T&C's either

which they should be

 

 

dx

[Not that clever]

is that a date of 12/2009 I see on the T&C's???

 

 

can t be right for a card signed up for in dec 2006?/

 

 

and you details are nowhere on the T&C's either

which they should be

 

 

dx

 

 

I can see a date of September 2006 am I missing something any help on what part please?

 

And do my details have to be on these even tho it's a internet application

 

Thankyou

 

Found it!! 12/09 bottom right hand of column.

 

What's my next move do I wait for a court date now or do I contact Cabot?

 

Thankyou so much for pointing that out!

 

Charges are different too for cash withdrawals. I think they have sent me two lots of agreements here. One for 2009 and one for 2006 but could they argue the point that I have now received 2006?

[dx100uk]

They are required to sent the agreement and t&c,s for the time of birth and any major changes

 

Can you put them into sets and upload them please

They appear jumbled?

[Not that clever]

this is terms number one from 2009

[Not that clever]

these are the ones dated 2006

 

 

sorry for the jumble of the first lot hopefully these are easier to read?

 

 

thankyou for your time and your patience

[dx100uk]

you scans are huge!

one page should be about 300kb not 4Mb.

 

 

bother reduced and reloaded.

 

 

now

neither of those have any ref to you on them.

they could have some from a download from here or anywhere.

 

 

just like they do with cap1 T&C's.

[Not that clever]

So sorry about the size I have no clue when it comes to scanning and file size etc....in not very skilled when it comes to computers.

 

The letter they sent did say it's a reconstituted agreement, does that mean that it is just a copy of what it has been?

 

I recall reading somewhere on here that these where allowed for online agreements? Am I mistaken?

 

What would you recommend my next step should be? Should I write to Cabot and demand the actual terms?

[dx100uk]

if they are claiming its a recon

this is not on really

 

 

for an online agreement of dec 2006 they should be able to come up with the correct docs

and not need to rely on a recon.

 

 

I'd let it run.

 

 

if they were confident they were enforceable they issue proceedings and pay the court fee

they haven't..that speaks volumes.

 

 

dx

[Not that clever]

They have issues court proceedings? I have issued a defence as further up in this thread or do you mean taking it further thru the court system?

 

Should I just pay it if a recon agreement is allowed?

 

The amount claimed is significantly larger than the starting limit because of charges tho ao should I try and get reduced on this basis...fees on fees?

 

Thanks so much for your help

[dx100uk]

confused

 

 

have you read post 39?

 

 

dx

[Not that clever]

Yes you said if they were confident they would issue court proceedings.

 

They have already issued these, at least that's what I presume you mean proceedings being the court claim I received at beginning of this thread.

 

I issued a defence and now the ball remains in their court.

 

They have taken no furthar action as of yet since receiving my defence.

 

I understand that they should really have a original copy of my agreement but they have just provided me a recon.

 

If they do proceed furthar as my defence was based on no paperwork I presume this recon agreement will satisfy the judge?

 

My question being so I just give up or give it time to see what happens and what they decide to do with the claim?

 

sorry if I appear dim, user name matches me somewhat

 

Thankyou

[dx100uk]

they have issued a speculative claim

hoping as all DCA's do for a non contested default judgement

you've defended

 

 

they have not, to date, proceeded the claim further forward.

 

 

I doubt a judge would accept a recon with T&C's that don't show your details at all

 

 

dx

[Not that clever]

good afternoon all

 

 

so the above case appears to be on hold from shoosmiths/cabots side.

 

 

I filled my defence months ago and received a letter on the 9th july saying shoosmiths had passed it back to cabot for them to make a decision on how to proceed.

 

 

how long can they mess about and do whatever it is they will be doing before informing me of what they plan on doing? is there no time frame they have to stick to in persuing this matter?

 

 

thanks

[dx100uk]

Nopevclaim is stayed

Their next move

As explained before

Can be that way for years